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Tuesday, 21 September 2021
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Most commentators believe there is a positive correlation between economic growth and share market performance. The data disproves this, at a world and country level and over time.
Retirement planning is more than superannuation. No use having lots of money if health is poor, and eventually, most of us will face the need for aged care. And don't ignore home equity release when cash is needed.
It's a home-grown Australian success story, managing far more for foreign institutions than local, but it took a long time to gain traction while laying the foundations for the massive inflows that were to come.
It should be no surprise that many older Australians believe they have an entitlement to the age pension. Like an early version of the superannuation guarantee, pensions were once directly funded by personal tax.
Home ownership for Australians aged between 25 and 34 has fallen from 39% to 29% in the last 20 years, and government policies are doing little to make first home buying easier. What are the attitudes of younger clients?
Not all ETFs are created equally, and it's worth looking under the bonnet. Among many possible differences, the domicile of the fund can have broader implications.
Who knew? With some surprise results, the Government is on unexpected firm ground in asking people to draw on all their assets in retirement, although the comments show what feisty and informed readers we have.
The RBA Governor says rising house prices are due to "the design of our taxation and social security systems". The OECD says "the prolonged boom in house prices has inflated the wealth of many pensioners without impacting their pension eligibility." What's your view?
It's a remarkable statistic. In any year since 1875, if you had invested in the Australian stock index, turned away and come back eight years later, your average return would be 120% with no negative periods.
Never stand between Australian households and an uncapped government programme with $3 billion in ‘free money’ to build or renovate their homes. But excess supply is coming with an absence of net migration.
Picking macro trends is difficult. What may seem logical and compelling one minute may completely change a few months later. There are better rewards from focussing on identifying the best companies at good prices.
Some high-quality companies have emerged even stronger since the onset of COVID and are well placed for outperformance. We call these the ‘COVID Opportunists’ as they are now dominating their specific sectors.