Advisers and newsletters like ours inevitably focus on financial strategies that can help people prepare for, and thrive in, retirement. Managing risk is a core part of these strategies.
Recently, John Kalkman penned a fantastic article in Firstlinks outlining the long list of financial risks that retirees face, including longevity risk, inflation ...
The Callaghan Report prepared for the Treasury on Australian superannuation released four years ago was the first to highlight that people are just not spending their superannuation (super) balances. This finding was confirmed in a recent report released by the Grattan Institute which suggested that guiding people towards purchasing lifetime annuities ...
In his 2022 Berkshire Hathaway shareholder letter, Warren Buffett discussed the ‘secret sauce’ to investing, highlighting growing dividends at two of his long-term holdings: Coca-Cola (NYSE:KO) and American Express (NYSE:AXP).
Berkshire bought shares of Coke for a total cost of US$1.3 billion in 1994. The cash dividend that Berkshire received from Coke ...
Ok, I am pretty sure today’s post will be controversial, so I have already put on my Kevlar suit to protect me against the inevitable comments I will get from readers about this one. Because I am going to talk about taxes.
Look, I work in finance, and you can only get a job in finance if you commit yourself to being a low-tax advocate always and ...
Thanks to some new rules introduced late last year, many people with old-style super pensions (known as ‘legacy pensions’) will look to wind them up this year.
If you have one, you’ll know. You’ll have seen your accountant grimace slightly when talking about your pension and it will have a name like market-linked (also known as term allocated), ...
"For a premium, a title may be insured with a title insurance company, the very existence of which is surely no compliment to our present system" - Charles Alfred Patterson, 1938“Since the distribution and protection of land is generally held to be a natural function of the State, why can not the guarantee of title also be included as a natural ...
The data centre industry is a critical backbone of the global digital economy, enabling the storage, processing, and dissemination of data across businesses, governments, and individuals. The sector has experienced rapid growth over the past decade, driven by technological advancements, the proliferation of cloud computing, and the increasing ...
Every year around 60,000 humpback whales leave the frigid, food-rich waters of Antarctica and begin the world's longest mammal migration, a 5,000-kilometre, three-month journey to the warm waters of northern Western Australia and Queensland.
One cohort of Australians who make an effort to witness this event are retirees, blessed with abundant free time ...
As we head into an election year, the cost-of-living crisis will be at the forefront of voters’ minds. The good news for the Government is that cost inflation is continuing to ease.
The Australian Bureau of Statistics’ (ABS) cost-of-living indices show living costs for age pensioner and pensioner and beneficiary households fell by 0.1% in the December ...
Most economists expect the RBA to cut rates by 25 basis points this month. They also expect that this will fuel renewed demand for housing, and lead to a bounce in home prices.
I get frustrated by the almost universal forecasts for house prices to increase by 8-10% annually, like they’ve done in the past. It’s extrapolation and it’s lazy. For instance, ...
If our working years can be regarded as the time when we aim to build up our superannuation savings, our retirement years can equally be regarded as the time when we aim to spend them.
At least that’s the objective for most Australians. Which generally leads to the question: how do I start accessing my super funds when I do stop working, or maybe even ...
In the middle of 2024, my mantra was 'don’t overthink it': positive nominal growth and interest rate cuts were supportive of equity markets, even against the backdrop of stretched valuations in the US.
Moving into 2025, I maintain that stance as I expect corporate earnings to hold up and, for now, inflation is still moving in the right direction. But ...
Advisers and newsletters like ours inevitably focus on financial strategies that can help people prepare for, and thrive in, retirement. Managing risk is a core part of these strategies.
Recently, John Kalkman penned a fantastic article in Firstlinks outlining the long list of financial risks that retirees face, including longevity risk, inflation ...
The Callaghan Report prepared for the Treasury on Australian superannuation released four years ago was the first to highlight that people are just not spending their superannuation (super) balances. This finding was confirmed in a recent report released by the Grattan Institute which suggested that guiding people towards purchasing lifetime annuities ...
In his 2022 Berkshire Hathaway shareholder letter, Warren Buffett discussed the ‘secret sauce’ to investing, highlighting growing dividends at two of his long-term holdings: Coca-Cola (NYSE:KO) and American Express (NYSE:AXP).
Berkshire bought shares of Coke for a total cost of US$1.3 billion in 1994. The cash dividend that Berkshire received from Coke ...
Ok, I am pretty sure today’s post will be controversial, so I have already put on my Kevlar suit to protect me against the inevitable comments I will get from readers about this one. Because I am going to talk about taxes.
Look, I work in finance, and you can only get a job in finance if you commit yourself to being a low-tax advocate always and ...
Thanks to some new rules introduced late last year, many people with old-style super pensions (known as ‘legacy pensions’) will look to wind them up this year.
If you have one, you’ll know. You’ll have seen your accountant grimace slightly when talking about your pension and it will have a name like market-linked (also known as term allocated), ...
"For a premium, a title may be insured with a title insurance company, the very existence of which is surely no compliment to our present system" - Charles Alfred Patterson, 1938“Since the distribution and protection of land is generally held to be a natural function of the State, why can not the guarantee of title also be included as a natural ...
The data centre industry is a critical backbone of the global digital economy, enabling the storage, processing, and dissemination of data across businesses, governments, and individuals. The sector has experienced rapid growth over the past decade, driven by technological advancements, the proliferation of cloud computing, and the increasing ...
Every year around 60,000 humpback whales leave the frigid, food-rich waters of Antarctica and begin the world's longest mammal migration, a 5,000-kilometre, three-month journey to the warm waters of northern Western Australia and Queensland.
One cohort of Australians who make an effort to witness this event are retirees, blessed with abundant free time ...
As we head into an election year, the cost-of-living crisis will be at the forefront of voters’ minds. The good news for the Government is that cost inflation is continuing to ease.
The Australian Bureau of Statistics’ (ABS) cost-of-living indices show living costs for age pensioner and pensioner and beneficiary households fell by 0.1% in the December ...
Most economists expect the RBA to cut rates by 25 basis points this month. They also expect that this will fuel renewed demand for housing, and lead to a bounce in home prices.
I get frustrated by the almost universal forecasts for house prices to increase by 8-10% annually, like they’ve done in the past. It’s extrapolation and it’s lazy. For instance, ...
If our working years can be regarded as the time when we aim to build up our superannuation savings, our retirement years can equally be regarded as the time when we aim to spend them.
At least that’s the objective for most Australians. Which generally leads to the question: how do I start accessing my super funds when I do stop working, or maybe even ...
In the middle of 2024, my mantra was 'don’t overthink it': positive nominal growth and interest rate cuts were supportive of equity markets, even against the backdrop of stretched valuations in the US.
Moving into 2025, I maintain that stance as I expect corporate earnings to hold up and, for now, inflation is still moving in the right direction. But ...