Author Archive | Phil Ruthven

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?

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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?

Retiring with dignity

Retiring is coming later and later in life, and given that most jobs are now cerebral rather than physical, the only way to wear the brain out is to stop using it! Retiring closer to 80 years of age in 2100 will probably be the norm.

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