A very insightful article that provides some reminders for sensible investing during market downturns.

In recent years, market volatility has once again tested the nerves of investors. From the post-COVID recovery to ongoing geopolitical tensions, persistent inflation, and rising interest rates, many are questioning how best to position their investments for the future. For retirees, the challenge is even greater, finding reliable income while preserving capital isn’t easy in this kind of environment. And with super balances under pressure and living costs on the rise, many are starting to question whether their money will go the distance.

It’s no secret that investing successfully requires patience, clear goals, a long-term view and sound financial advice; however in times of uncertainty it can be easy to forget these principles.

Here are some other key investment concepts to keep front of mind:

In this article we delve into the heart of a recession and answer the question “What does a recession mean for me?”

A recession is more than just a buzzword that gets thrown around by the media.

A recession represents a significant decline in economic activity that can span months, even years. Think of it as the winter of the economic cycle - cold, challenging, but not permanent.

It's often marked by tangible shifts in key economic indicators such as GDP, employment, income, and consumer spending. From high inflation rates to increased consumer debt, reduced spending, or global events like pandemics, various factors can set the stage for a recession.

You might be thinking… “Yeah, but what does a recession actually mean for me”.

A detailed description of exactly what recessions are and how they impact the Australian share market.

When the media starts reporting higher interest rates and spiralling price rises, their next story will almost certainly scream the impending doom of a possible economic recession.

But what exactly is a recession and is it all bad news for local share market investors?

Most commentators believe a ‘technical recession’ occurs when there have been two consecutive quarters of negative growth in real gross domestic production or economic output, but there really is no strict definition. It’s more just a time when unemployment increases and growth falls.

This article discusses who the Baby Boomer generation are and why their exit from the workforce will leave a large impact on the Australian economy.

From psychedelic drugs and the birth of rock and roll in the sixties to the sexual revolution and female equality of the seventies through to the rapid up take of personal computers in the eighties, Australian ‘baby boomers’ have always caused waves. 

Now as they move into retirement, the groovy generation are about to flood our hospitals and age care facilities, beach our economy with falling demand and workforce shortages and dump Government revenue via a sharply reduced tax take.

So, who are these people? 

Our latest quarterly economic update includes commentary on the gold and oil price and its implications to Australia’s economy, the US and Australian outlook on rates, an analysis of share prices and key events that may be relevant to the market and economy.

Quarterly Economic Update — July to September 2025

The September quarter has been one of cautious optimism. Inflation appears to be finally cooling, central banks are holding steady, and investors are weighing up what the next phase of the cycle might look like. While the pace of global growth has slowed, stability is slowly returning — and that’s not a bad thing.

Current Price of Gold and Its Implications

Gold has been one of the standout performers this quarter. Prices surged to around US$4,100 an ounce in early October — making record highs.