An historical (not hysterical) look at gold

For much of the last 2,500 years, one ounce of gold has been able to buy items worth the equivalent of around USD500 in today’s dollars adjusted for inflation. But retail buyers are rushing to buy physical gold at current levels.

Look towards your investment horizon

Every super fund member fears a downturn, but with an expected working life of 45 years and retirement of 30 years, we need to look beyond the short -term. A look at stock market cycles helps with the long-term view.

Ownership requires taking action

A fundamental tenet of free market capitalism is that owners choose how their assets are used to their best advantage. Does this apply to shareholders? And do super fund members get to exercise such choice?

Not all growth is good

As equity holders we love to see companies reporting profit growth. In fact, we become wary if they don’t. Find out how the wrong sort of growth can quickly and permanently destroy wealth.

A brighter view of dependency ratios

In 1909, there were 15 workers for every retiree, but by 2025 it will be down to only 3.5 workers. But we’re still defining ‘retiree’ as over 65. Using dynamic retirement age principles gives a brighter perspective on old age dependency.

Wealth managers need a new car not a faster horse

Sit through a dozen fund manager presentations and they all start to sound the same. There’s been little significant innovation in the managed funds industry in the last 15 years. Why is this and what are the consequences?

Investment strategies need healthy dose of realism

An investment strategy and its appropriate ‘strategic asset allocation’ should balance what you are hoping to achieve against the risk of adverse outcomes along the way. It calls for honesty, realism and the right risk tolerance.

Michael Porter’s Social Progress Index

Traditional indicators of economic growth do not tell the whole story of a country’s progress. In the new Social Progress Index, Australia ranks 7th overall of the 50 countries studied, but 3rd for ‘Opportunity’.

Until debt do us part, Act 1

When the media latches onto stories dealing with debt, the tone tends to be alarmist. Such news lifts ratings but it doesn’t always shed light on the issues at hand. How much is ‘too much’ debt, and what debt are we talking about?

Until debt do us part, Act 2

The debt debate continues. Should a government be using or reducing debt to overcome its country’s financial woes? What works, what doesn’t, under what circumstances, and how much should we worry about it?

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