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Welcome to Firstlinks Edition 569

Welcome to Firstlinks Edition 569

James Gruber is still on the mend so I’m afraid you’re stuck with me again. Before we get to today’s articles, I thought I’d talk about a couple of tricks I see used to sell financial products. There’s a saying in marketing and sales that nobody likes being sold, but everybody loves to buy. Take giving to charity for example. I think most people feel ...
Investors are threading the eye of the needle

Investors are threading the eye of the needle

For those believing the price you pay for an investment is an important determinant of future returns, life isn’t comfortable. Momentum and stories rule as ever more capital seeks to squeeze through the eye of the needle. As Robert Armstrong detailed in a recent Financial Times article, recent months have seen an alarming narrowing in equity market ...
Persistent, but not permanent

Persistent, but not permanent

While there is universal consensus that we experience climate change there is much more uncertainty about how much this will impact economic growth and output. While we have very good climate change models that are remarkably precise, our economic models for the impact of climate change are more dispersed. Which is why it is worthwhile checking in on ...
How super members can avoid missing out on tax deductions

How super members can avoid missing out on tax deductions

Claiming a deduction for personal super contributions can reduce personal tax and increase retirement savings, but there are many traps for the unwary. Misunderstanding the eligibility rules can mean a member isn’t able to claim all (or even any) of the contribution(s) as a tax deduction. In this article, we explain the requirements for being able to ...
Why certainty is so important in retirement

Why certainty is so important in retirement

Extensive research has been conducted into retiree concerns, with three key concerns consistently coming out on top: running out of money facing unexpected health and aged care costs not being able to maintain a comfortable standard of living in retirement. In other words, not knowing what’s waiting for us in the future – or uncertainty. Uncertainty ...
Welcome to Firstlinks Edition 568

Welcome to Firstlinks Edition 568

With Firstlinks’ editor James Gruber out sick, I had the privilege of editing this week’s edition for you. For those of you who don’t know me, I write about investing for Morningstar Australia. I guess you could say my route up to this point has been quite eclectic. I started off in an intern role promoting America’s role in European security. I then ...
Our finances should enable and not dictate our lives

Our finances should enable and not dictate our lives

The most motivated and successful people take a problem, outline a solution, and relentlessly pursue it. This is a good model to achieve success. And following it creates momentum. It provides a sense of empowerment as obstacles are overcome. It is self-motivating as each milestone is achieved and each new one appears on the horizon. The inherent flaw ...
Emerging market equities are ripe with opportunity

Emerging market equities are ripe with opportunity

The term ‘Emerging Markets’ (EMs) first emerged (if you’ll excuse the pun) in the early 1980s, and it took several years for the MSCI Emerging Markets Index to be launched in 1988. The EM Index initially consisted of 10 markets and accounted for less than 1% of the global equity universe. Over time, countries have been added and removed from the index, ...
Tomorrow’s taxpayers pay for today’s policy mistakes

Tomorrow’s taxpayers pay for today’s policy mistakes

There are two very significant intergenerational inequities in Australian public policy. They are the age pension and revenue from our natural resources. Both involve government spending today which will be paid for by future generations of taxpayers. Interest rates are higher today as a result of this stimulus. In the May 2024 Australian budget, the ...

Welcome to Firstlinks Edition 569

Welcome to Firstlinks Edition 569
James Gruber is still on the mend so I’m afraid you’re stuck with me again. Before we get to today’s articles, I thought I’d talk about a couple of tricks I see used to sell financial products. There’s a saying in marketing and sales that nobody likes being sold, but everybody loves to buy. Take giving to charity for example. I think most people feel ...

Investors are threading the eye of the needle

Investors are threading the eye of the needle
For those believing the price you pay for an investment is an important determinant of future returns, life isn’t comfortable. Momentum and stories rule as ever more capital seeks to squeeze through the eye of the needle. As Robert Armstrong detailed in a recent Financial Times article, recent months have seen an alarming narrowing in equity market ...

Persistent, but not permanent

Persistent, but not permanent
While there is universal consensus that we experience climate change there is much more uncertainty about how much this will impact economic growth and output. While we have very good climate change models that are remarkably precise, our economic models for the impact of climate change are more dispersed. Which is why it is worthwhile checking in on ...

How super members can avoid missing out on tax deductions

How super members can avoid missing out on tax deductions
Claiming a deduction for personal super contributions can reduce personal tax and increase retirement savings, but there are many traps for the unwary. Misunderstanding the eligibility rules can mean a member isn’t able to claim all (or even any) of the contribution(s) as a tax deduction. In this article, we explain the requirements for being able to ...

Why certainty is so important in retirement

Why certainty is so important in retirement
Extensive research has been conducted into retiree concerns, with three key concerns consistently coming out on top: running out of money facing unexpected health and aged care costs not being able to maintain a comfortable standard of living in retirement. In other words, not knowing what’s waiting for us in the future – or uncertainty. Uncertainty ...

Welcome to Firstlinks Edition 568

Welcome to Firstlinks Edition 568
With Firstlinks’ editor James Gruber out sick, I had the privilege of editing this week’s edition for you. For those of you who don’t know me, I write about investing for Morningstar Australia. I guess you could say my route up to this point has been quite eclectic. I started off in an intern role promoting America’s role in European security. I then ...

Our finances should enable and not dictate our lives

Our finances should enable and not dictate our lives
The most motivated and successful people take a problem, outline a solution, and relentlessly pursue it. This is a good model to achieve success. And following it creates momentum. It provides a sense of empowerment as obstacles are overcome. It is self-motivating as each milestone is achieved and each new one appears on the horizon. The inherent flaw ...

Emerging market equities are ripe with opportunity

Emerging market equities are ripe with opportunity
The term ‘Emerging Markets’ (EMs) first emerged (if you’ll excuse the pun) in the early 1980s, and it took several years for the MSCI Emerging Markets Index to be launched in 1988. The EM Index initially consisted of 10 markets and accounted for less than 1% of the global equity universe. Over time, countries have been added and removed from the index, ...

Tomorrow’s taxpayers pay for today’s policy mistakes

Tomorrow’s taxpayers pay for today’s policy mistakes
There are two very significant intergenerational inequities in Australian public policy. They are the age pension and revenue from our natural resources. Both involve government spending today which will be paid for by future generations of taxpayers. Interest rates are higher today as a result of this stimulus. In the May 2024 Australian budget, the ...