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Rick Cosier

Grandfathered commissions: what’s it about?

Financial advice commissions and grandfathering have become among the more contentious issues at the Royal Commission. Here's everything you need to know about where they came from but were afraid to ask.

Home ownership struggles will drive changes

Home ownership for Australians aged between 25 and 34 has fallen from 39% to 29% in the last 20 years, and government policies are doing little to make first home buying easier. What are the attitudes of younger clients?

Compulsory super not enough to avoid full pension

Australia's economy will struggle under an increasing age pension burden because the current level of compulsory super is inadequate to fund a comfortable retirement for most.

Real client experiences often differ from the headlines

In the financial and economic world, we use medians and averages to assess our position and make decisions about the future. But as each individual is different, aggregated statistics aren't always useful.

China beyond the myths and stereotypes

China is so complex and varied that few people can understand the whole picture, but on a third visit over two decades, it's possible to see changes, many of which are for the better.

Education not just legislation

Australians should be creating a comprehensive financial plan to live within their means. It may turn out badly unless we teach skills at an early age and incorporate financial planning into our education system.

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Are term deposits attractive right now?

If you’re like me, you may have put money into term deposits over the past year and it’s time to decide whether to roll them over or look elsewhere. Here are the pros and cons of cash versus other assets right now.

Retirement

How retiree spending plummets as we age

There's been little debate on how spending changes as people progress through retirement. Yet, it's a critical issue as it can have a significant impact on the level of savings required at the point of retirement.

Estate planning made simple, Part I

Every year, millions of dollars are spent on legal fees, and thousands of hours are wasted on family disputes - all because of poor estate planning. Here's a guide to a key part of estate planning - making an effective will.

Investment strategies

Markets are about to get a whole lot harder

As the world shifts away from one of artificially suppressed interest rates and cheap manufacturing, investors will need to carefully consider how companies are positioned to navigate the new higher-cost paradigm.

Investment strategies

Why commodities deserve a place in portfolios

2024 looks set to be another year of reflation and geopolitical uncertainty — with the latter significantly raising the tail risk of a return to problematic inflation. That’s a supportive backdrop for commodities.

Property

What’s next for Australian commercial real estate?

It's no secret that Australian commercial property has endured its most challenging period since the GFC. Yet, there are encouraging signs that the worst may be over and industry returns should improve in the medium term.

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Board games: two hidden risks for stock pickers?

Allan Gray's Simon Mawhinney thinks two groups with huge influence over our public companies often fall short of helping shareholders. In this interview, Mawhinney also talks boards, takeovers, and active investing.

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