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21 December 2025
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Chris Cuffe's views on risk, the paradox of living longer, the need for super funds to provide individual reporting, how to manage for real returns, and an interview with Ken Henry on opportunities for Australian businesses.
Risk means different things to different people, and there is a misallocation of resources, energy and intellect across the superannuation industry (and investment industry more broadly) to address risk.
Living longer does not necessarily translate into financial freedom. The hope is that you can work longer and therefore have more savings for your retirement, but people have less income-earning years.
There is a significant leadership opportunity for super funds to manage real return risk, where the inflation risk represents a potential erosion of retirement outcomes.
Super funds should provide a calculation of a member’s actual average return over their period of membership based on their own personal cash flow of contributions and fees experienced.
The Australian businesses likely to succeed in the Asian century are those that provide goods or services to the 3.2 billion middle-class consumers living in Asia within 15 years.
I’ve long seen Buffett as a flawed genius: a great investor though a man with shortcomings. With his final letter to Berkshire shareholders, I reflect on how my views of Buffett have changed and the legacy he leaves.
With rates on hold and housing demand strong, lenders are pushing boundaries. As risky products return, borrowers should be cautious and not let clever marketing cloud their judgment.
Retirement isn’t a clean financial arc. Income shocks, health costs and family pressures hit at random, exposing the limits of age-based planning and the myth of a predictable “retirement journey".
The superannuation system has succeeded brilliantly at what it was designed to do: accumulate wealth during working lives. The next challenge is meeting members’ diverse needs in retirement.
I am a professional real estate investor who hears a lot of opinions rather than facts from so-called experts on the topic of property. Here are the largest myths when it comes to Australia’s biggest asset class.
What should you do if you think this market is grossly overvalued? While it’s impossible to predict the future, it is possible to prepare, and here are three tips on how to best construct your portfolio for what’s ahead.