Investor Insights

Archive: December, 2025

December 30, 2025

The $400,000 mirage vs. The $65,000 reality

By Roger Montgomery

According to a survey by Finder and, separately, modelling from investment and annuities firm Challenger, Australians are being haunted. Not in their homes, mind you, but in their bank accounts. The ghost, however, isn’t inflation; it’s the distant and diminishing finish line for what’s considered ‘financial peace of mind.
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December 30, 2025

Fear + Greed Podcast – Why private credit is booming

By Roger Montgomery

I joined Sean Aylmer for Fear and Greed’s summer series to talk about the growth of private credit, why it has expanded so quickly, and what investors should look for when assessing these opportunities. We also discussed how private credit can complement a diversified portfolio, providing an income stream that is uncorrelated to equity markets.
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December 24, 2025

The AI land grab just hit a wall

By Roger Montgomery

In my video insight ‘How General Purpose Technology booms end”, last month, I spoke about the five stages of a GPT boom and the inevitable, sometimes violent, way they end.
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December 24, 2025

Geometry of gains

By Roger Montgomery

As investors, if we’re intellectually honest, we’re bound to be wrong a few times more than we would like. And the longer the investment career, the higher the accumulated mistakes pile up. So how do successful investors survive them and continue to build on their success?
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December 24, 2025

Markets at a crossroads

By Roger Montgomery

Goldman Sachs Research represents one of the largest stockbroking firms in the world.   So, it should come as no surprise that the investment bank has recently published its stock market outlook for the next decade, predicting an average annual return of almost eight per cent.
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December 24, 2025

The death of iRobot

By Roger Montgomery

According to Google, Matt Stoller is a prominent American writer, researcher, and anti-monopoly advocate, known for his work at the American Economic Liberties Project and his popular Substack newsletter, BIG, which focuses on market power, antitrust, and the war against monopolies.
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December 18, 2025

The Time Magazine cover curse

By Roger Montgomery

Time Magazine has awarded the 2025 person of the year to…wait for it…a group of people. The architects of artificial intelligence (AI) have been nominated for this year’s cover. Before the advent of digital magazines, billions were spent annually on buying physical magazines representing every topic and subculture known to man.
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December 12, 2025

Lessons from past technology booms

By Roger Montgomery

Debt nuances I just read the following sentence: “Graphic Processing Unit (GPU) rich clouds are now raising multi-billion-dollar debt with GPUs as collateral. ” It got me thinking… Figure 1. General Purpose Technology (GPT) booms and busts, Gartner’s hype cycle Source: Gartner In the railroad boom of the 1800s, U. S.
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December 12, 2025

Rates reset across the West – December 2025

By David Buckland

Back in October, I examined the emerging trend of interest rate cuts across the Western world, looking at why they were occurring and how different economies were responding. Since then, rate cuts have continued in several countries. In this update, I return to the same six economies (Australia, the U. S.
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December 8, 2025

Cutting through the clickbait – a clearer look at 2026

By Roger Montgomery

Would you ask a barber whether you need a haircut? Amid the negative sensationalist media headlines – what Macquarie Chief Economist, Ric Deverell, dubs “click bait”– it’s crucial for investors to filter out the noise and focus on underlying economic and business fundamentals.
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