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2 November 2025
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Demographics, the ageing population and adverse impacts on economic growth, don't overlook risk in portfolios, bonds and inflation risk and pension reform.
Using interactive graphics, we can model the impact of changing demographics on economic growth for all major countries. Will lower growth become the 'new normal' due to an ageing population?
If we expect government policies to deliver implausible growth when a demographic tailwind has become a headwind, we'll have temporary ‘growth’ with debt-financed consumption, with longer term adverse consequences.
We focus far more on the return from our investments rather than the risk, and we should watch for leverage or high risk-taking and expect to be rewarded for it to pay for the added risk.
Investors should not shun bonds in their portfolios due to a misunderstanding about the potential for earnings to grow at least in line with inflation. Fixed income has a role in inflation risk management.
Tapering is the rate at which pensions reduce as other sources of income increase. A change is unlikely to make it onto Joe Hockey's list of pensions amendments in the upcoming budget.
Younger Australians think they’ll need $100k a year in retirement - nearly double what current retirees spend. Expectations are rising fast, but are they realistic or just another case of lifestyle inflation?
In any year since 1875, if you'd invested in the ASX, turned away and come back eight years later, your average return would be 120% with no negative periods. It's just one of the must-have stats that all investors should know.
More Australians are retiring with larger mortgages and less super. This paper explores how unlocking housing wealth can help ease the nation’s growing retirement cashflow crunch.
Five mega trends point to risks of a more inflation prone and lower growth environment. This, along with rich market valuations, should constrain medium term superannuation returns to around 5% per annum.
Whether for yourself or a family member, it’s never too early to start thinking about aged care. This looks at the best ways to plan ahead, as well as the changes coming to aged care from November 1 this year.
Labor has caved to pressure on key parts of the Division 296 tax, though also added some important nuances. Here are six experts’ views on the changes and what they mean for you.