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22 December 2025

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Edition: 469

1-8 out of 8 results.

Welcome to Firstlinks Edition 469 with weekend update

  • 4 August 2022
  • 5

Don't switch off when you see a China story. China represents one-third of Australia's global trade, and its many headwinds hitting health, economic growth, military conflict, demographics and tech are threats. Plus common sense in Dalio versus Marks.

Dalio v Marks is common sense v uncommon sense

Billionaire fund manager standoff: Ray Dalio thinks investing is common sense and markets are simple, while Howard Marks says complex and convoluted 'second-level' thinking is needed for superior returns.

Michael Witts: changes over the final 12 years of my career

After 40 years in the market, Michael Witts retired recently as Treasurer of ING Bank Australia, a position he held for 12 years. He reflects on changes over the years including in mortgages, regulations and funding.

Meg on SMSFs: should you start a pension before selling assets?

A super fund stops paying tax when it is in the pension phase, which can mean a tax exemption on capital gains built up over many years. Does that mean a pension should be started before an asset is sold? Not always.

Annuities cost more for women: it's time for unisex rates

Lifetime annuities will become a more important tool to manage longevity, but they are the only part of our retirement income system where the benefit is determined by an individual’s sex. It's time to change.

Five key trends driving the Australian office sector

Most people are returning to their offices, often three days a week with flexibility. The trend to premium offices supports health and lifestyles, while office designs focus more on collaboration and social spaces.

Reserve Bank has both a date and data dilemma

Central banks need data and sources as up-to-date as possible, yet Australia's Reserve Bank sees a new CPI only once a quarter. And the US Fed's rate committee waits two months for its next meeting. 

Tribute to Phil Ruthven, thanks for the wonderful contributions

Phil Ruthven, AM - forecaster, entrepreneur, storyteller - passed away last week at the age of 82. Phil was a fantastic supporter of Cuffelinks/Firstlinks from the start and we link to all 26 of his original articles.

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Warren Buffett's final lesson

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.

The housing market is heading into choppy waters

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.

Why it’s time to ditch the retirement journey

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".

Australia's retirement system works brilliantly for some - but not all

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. 

The 3 biggest residential property myths

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.

Australian stocks will crush housing over the next decade, 2025 edition

Two years ago, I wrote an article suggesting that the odds favoured ASX shares easily outperforming residential property over the next decade. Here’s an update on where things stand today.

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