Investor Insights

In this section we explore investing basics, common themes and information to help guide your investing journey. 

The information provided is general information only. The information does not take into account your investment objectives, financial situation or particular needs. You should consider your own investment objectives, financial situation and particular needs before acting upon any information provided in this document and consider seeking advice from a financial adviser if necessary.

September 29, 2025

The puzzle of U.S. bond yields

By Roger Montgomery

Since inflation peaked at 9. 1 per cent in mid-2022, consumer prices have cooled dramatically, job growth has dwindled from nearly 4 per cent annually to a meagre 0. 9 per cent, nominal gross domestic product (GDP) expansion has halved from 10 per cent to 4. 6 per cent, and commodity prices have dropped 15 per cent.
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September 25, 2025

Negative Equity Risk Premium: what does it all mean?

By Roger Montgomery

I recently read an interesting post on Substack about the state of the market. However, there was one paragraph whose significance might have been missed, even by those who subscribe to the author’s musings.    Here’s the paragraph in question, followed by what I hope will prove a useful explanation. The paragraph was titled “No Equity Risk Premium.
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September 19, 2025

Is it time to cash in?

By Roger Montgomery

There are four major criticisms for holding cash as an investment. But what if there was a simple alternative that went some way to invalidating those criticisms?
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September 17, 2025

Where will baby boomers put their $42 billion?

By Roger Montgomery

As we approach September 22, 2025, Westpac is set to redeem all $1. 7 billion of its Westpac Capital Notes 5 (WCN 5, ASX code: WBCPH). It’s the beginning of an avalanche of cash to be returned to investors – mostly Boomers – that will need to find a home elsewhere. Why?
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September 12, 2025

The power of Private Credit

By Roger Montgomery

In today’s dynamic financial landscape, and with public market volatility constantly rising, investors are increasingly seeking opportunities that strike a balance between solid returns and stability and diversification. Enter private credit, a rapidly and predictably growing asset class that’s reshaping how investors approach lending and portfolio construction.
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September 8, 2025

A lesson for billionaires

By Roger Montgomery

A recent article in the Wall Street Journal captivated me with its blend of betrayal, eccentric characters, the contrast between opulence and collapse, and the modern-day parable of a crypto catastrophe. In addition to its spellbinding narrative, it reminded me of my mother’s advice to make your friends before you make your money.
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September 4, 2025

Insights from reporting season

By Roger Montgomery

As August 2025 has now wrapped up, Australia’s reporting season has again delivered a snapshot of the economy’s trajectory. For years, we’ve heard the refrain of a “resilient” domestic market weathering global headwinds, interest rate hikes, and inflationary pressures. But this time around, the narrative has evolved.
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August 14, 2025

How will artificial intelligence shape your retirement funds?

By Roger Montgomery

Parts of America’s industrial heartland are being transformed, and smokestacks and steel mills are being replaced by the scream of Graphic Proocessing Units (GPUs) housed inside concrete bunkers known as data centres. The transformation of parts of the U. S.
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July 10, 2025

Buffet' litmus test for quality stocks

By Roger Montgomery

When Warren Buffett was asked to distil the essence of investing success, he offered the following: “Your goal as an investor should simply be to purchase, at a rational price, a part interest in an easily-understandable business whose earnings are virtually certain to be materially higher five, 10 and 20 years from now.
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July 9, 2025

Lighting your FIRE

By Roger Montgomery

Have you heard of the FIRE movement? FIRE – Financial Independence Retire Early is a lifestyle and investment philosophy and movement that’s focused on aggressively saving and investing to achieve financial independence and retire much earlier than the traditional retirement age.
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July 8, 2025

Beyond the big win – how do you protect and grow your wealth?

By Roger Montgomery

We’ve all heard the stories of entrepreneurs who succeeded after failure. Less common are the stories of those who failed after succeeding. Heck, I Googled “entrepreneurs who failed AFTER succeeding” and Google returned pages and pages of articles with titles similar to; “How successful entrepreneurs bounce back from failure. ” The opposite of what I was searching for.
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