Author Archive | Phil Ruthven

world best practice

We have many world best practice companies

While Australian businesses generally achieve returns below global comparisons, our Best 50 have delivered results well above the accepted world best practice level, and they come from a diversity of industries.

household

Housing prices from black hole to blue sky

Housing prices and construction rose dramatically until 2016, and since then, low interest rates are helping home owners weather the storm of falling prices. How long until the blue sky shines again?

bank trouble

The bank trouble started decades ago

The big institutions looked outside banking for growth, but found complex conglomerate structures hard to manage and needing different skills. Now it’s back to basics, just as another challenge looms.

asset classes

Financial assets performance over time

There is no single asset class that consistently outperforms all others year on year but over the long term (>10 years), actively managed asset classes have performed better, and all asset classes have outperformed inflation.

income and wealth distribution

In Australia, who’s got the money?

Income taxes in Australia are over 2.5 times larger than the ‘spending’ taxes such as GST, excise, and stamp duties. The latest legislation ignored reforms in taxing spending over saving again.

Australian wealth and jobs

Where do our wealth and jobs come from?

There’s no doubt Australians love property, especially housing, and despite slowing economic growth and a lack of political leadership, the business sector continues to create Australian wealth and jobs.

housing market

Is the housing market in bubble territory?

Everyone from the Reserve Bank Governor down is talking about apartment prices, and worrying about the consequences for the economy, and especially our banks. How does Australia’s leading futurist interpret the data?

Screen Shot 2016-06-22 at 10.13.10 pm

Where is Australia’s future growth?

The Australian economy is changing, with new jobs in services, retail and health replacing the lost jobs in manufacturing. These trends are important for investors to find the successful companies of the future.

reform

Taxation reform: is Canberra serious?

Major reform of Australia’s tax laws hits a hurdle when opposition builds to unpopular policies. We have lost the ability to explain and advocate for change, especially when you look at global comparisons.

recession

Are recessions a thing of the past?

Less than half of today’s workforce has experienced a proper recession, but in the absence of serious reform and vision, Australia may break its 25 years of economic growth.

Where to put your money these days

Investment conditions across all asset classes are especially challenging at the moment, with investors struggling to find attractive yields or capital appreciation while managing risk.

Superannuation and our growing wealth

Average superannuation balances are increasing with each generation as more of a person’s working life is covered by compulsory saving. It won’t be long before super is the dominant source of wealth.

Living within one’s means

Australia in 2014 is the lowest taxed nation in the developed world. Facing ten years of budget deficits, is the Abbott Government unwilling to raise tax rates, or will Joe Hockey make us share the pain come budget time?

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