Financial Planning

Superannuation: Inertia & Urgency

Partly due to constant media focus on short-term performance, more people these days are concerned about their superannuation. There is a sense of urgency for some investors, who, feeling the need to "catch up" later in life, have sought out better returns. Unfortunately, this has very sadly led some people into risky investments, and they have been caught in the recent failures of funds like First Guardian and Shield Master Fund.

2025 Q2 June Quarter Review

  • Tariffs hit hard initially, but stockmarkets bounce hard.

  • Tariffs create some distortion as US business pulls forward orders.

  • Euro and UK economies still sluggish, but increased defense spending on the way.

  • A political backlash in the UK, with both major parties on the nose.

  • Australian government keeps its foot on housing demand, while missing supply targets.

  • Commonwealth Bank hits record highs during Q2.

2025 Q1 March Quarter Review

  • Early tariff concerns prompt a stock rotation from the US to Europe.

  • The Magnificent Seven come off the boil as Chinese AI emerges as a threat.

  • Increased defence spending coming in Germany and Japan?

  • The UK stuck in a low growth environment.

  • Australian stocks down, with few green sectors.

  • Australian real estate up slightly to hit record highs.

2024 Q3 September Quarter Review

  • The US Fed moves on rates.

  • Brief chaos in Japanese market highlights value of long term thinking.

  • Global and Australian stock gains, with bonds offering good returns. 

  • Strong returns across many sectors, while tech struggles on AI questions.

  • Australian real estate beginning to ease up with quarterly falls in some capitals.

2024 Q2 June Quarter Review

Points of Note:

The US economy continues to be resilient while Europe sees rate cuts.

Slightly negative market returns in Australia.

Positive global returns, but Australian dollar a headwind for unhedged investors.

Market rally narrows back to big tech names.

Australian real estate still strong, but Melbourne & Hobart lag.