As we step into January 2026, markets have done what they often do at year-end: pause, rebalance, and start pricing the “next chapter.” As 2025 drew to a close, markets delivered a reassuring message: despite volatility, diversification worked. December itself was mixed, but importantly, every major asset class delivered positive returns over the year for the first time since the COVID period — a solid foundation as investors turn their attention to what comes next. December

As 2025 draws to a close, financial markets are catching their breath after a year of strong gains and shifting dynamics. Global markets paused in November after a strong year, as uncertainty around U.S. economic data and the Federal Reserve’s interest rate path weighed on sentiment. Developed market equities were broadly flat, with the MSCI World Index up 0.2%, while U.S. equities edged higher (S\&P 500 +0.1%) despite a robust earnings season where over 80% of companies beat

Following our recent article HERE  on how superannuation benefits are taxed when passed to beneficiaries, one strategy worth exploring in more detail is the withdrawal and re-contribution strategy. This approach can be a powerful tool for improving estate planning outcomes and reducing tax for non-tax dependent beneficiaries. What Is a Withdrawal and Re-Contribution Strategy? A withdrawal and re-contribution strategy involves: Withdrawing  a portion (or all) of your superannu

Global equity markets continued their positive momentum in October, with major indices posting gains despite ongoing geopolitical and economic uncertainties. The S&P/ASX 200 rose by 0.4%, while global equities, as measured by the MSCI World Index (AUD), climbed 3.3%. Emerging markets outperformed developed markets, with the MSCI Emerging Markets Index (AUD) up 5.5%. Sector Performance: Winners and Losers Australian Equities Materials (+4.3%):  Led the gains, buoyed by rising