Investment insights

array(6) { [0]=> object(stdClass)#8728 (57) { ["id"]=> int(18954) ["title"]=> string(81) "Gold’s new playbook: from safe haven to strategic reserve as prices hit records" ["alias"]=> string(77) "golds-new-playbook-from-safe-haven-to-strategic-reserve-as-prices-hit-records" ["introtext"]=> string(506) "

Gold’s rally to record territory in 2025 is not a speculative sideshow—it is a structural signal. With central banks accelerating diversification away from US Treasuries, real yields easing, and geopolitical risk elevated, gold is moving from ‘nice-to-have’ to core risk management tool. For Australian boards, the implications span treasury policy, export earnings, capital allocation and competitive positioning. The winners will treat gold as a strategy, not a trade.

" ["fulltext"]=> string(8708) "

Here is the headline for decision-makers: gold above US$3,600/oz in 2025 is less about animal spirits and more about a regime shift in global reserves, rates and risk. The World Gold Council has logged back‑to‑back years of net central‑bank purchases above 1,000 tonnes, a pace not seen in decades. Meanwhile, investors are betting on further US rate cuts and a softer dollar—classic conditions that amplify gold’s appeal. As Andrew McAuley, Chief of Investments at UBS Global Wealth Management Australia, frames it, gold functions as a “geopolitical hedge” in the current environment, with UBS running a low‑single‑digit allocation across portfolios.

Signal vs noise: three engines behind the surge

Use a simple stack: geopolitics, real yields, and reserve diversification.

Geopolitics: Conflicts in the Middle East, a volatile Russia–Ukraine front, and hardening US–China strategic rivalry have boosted demand for assets with no counterparty risk. In stress regimes, gold’s liquidity and portability matter more than its lack of yield.

Real yields and the dollar: Gold’s inverse correlation with US real yields and the DXY remains intact. Markets are pricing a multi‑cut Fed path into 2025–26; each incremental basis point decline in real yields mechanically raises the opportunity cost of not owning gold. A softer dollar amplifies non‑US demand.

Reserve diversification: Central banks—particularly in emerging Asia—are steadily reallocating reserves away from US Treasuries into bullion. China’s share of US Treasuries has trended lower over recent years; at the same time, official sector gold buying has been robust for two consecutive years and remained strong into 2024. This “sticky” bid is less sensitive to price than ETF flows, compressing downside.

Business impact: P&L, cash flow and cost of capital

Mining and resources: Australian producers benefit from the dual tailwind of record USD gold and a still‑discounted AUD. At US$3,600/oz and an AUD/USD near two‑thirds, the local price is north of A$5,500/oz—supportive for margins, reserve replacement and equity valuations. Expect higher exploration budgets and M&A interest, particularly in Tier‑1 jurisdictions.

Manufacturing and retail: Jewellers and electronics manufacturers face rising input costs and working capital intensity. Pricing power becomes strategic: premium brands can pass through; mid‑market players risk margin squeeze and inventory markdowns if prices whipsaw.

Financial services: Wealth platforms, private banks and super funds are fielding renewed client interest. Even modest model‑portfolio shifts (e.g., 2–5%) can drive sizeable flows across ETFs, Perth‑minted bars, and OTC swaps. Custody, vaulting and collateral solutions are a revenue line, not a footnote.

Macro spillovers: If global demand for Treasuries is structurally lower at the margin, US term premia could remain sticky. That supports gold’s medium‑term case while complicating global borrowing costs. For boards, this is a cue to recalibrate capital structure assumptions.

Competitive advantage: the early‑mover allocation

Portfolio construction: A disciplined 2–5% strategic allocation has historically improved risk‑adjusted returns when real yields are falling or geopolitical risk is elevated. UBS runs ~2% as a baseline; many CIOs use 3–5% with dynamic tilts. Oversizing invites drawdown risk when yields back up.

Exposure routes: Choose by mandate and governance.

• Physical/allocated bars: lowest tracking error, higher storage/insurance, suitable for long‑term hedging and treasury reserves.
• ETFs and listed products: efficient, transparent and liquid; useful for tactical tilts and rebalancing. Australian investors have access to physically backed vehicles listed on the ASX.
• Futures/OTC swaps: capital‑efficient but introduce counterparty and roll risks; better for sophisticated hedgers.
• Equities and royalties: leveraged exposure with operating risk; best treated as satellites, not substitutes for bullion.

Treasury policy: Corporates with USD exposure can consider gold as a complementary hedge to FX forwards, especially for tail risks where the AUD sells off and gold rallies. Establish board‑approved limits, counterparties, and accounting treatment (e.g., fair value through profit or loss under AASB 9), and stress‑test liquidity under margin calls.

Australia’s edge—and constraints

Australia is a top‑tier producer with world‑class geology, established infrastructure, and reputable refining via the Perth Mint. Exports have risen alongside global safe‑haven demand, positioning gold among the country’s most valuable commodities. For miners, the opportunity set is real: expand production, accelerate debottlenecking, and progress brownfield expansions while the AUD gold price is buoyant.

Constraints matter. Labour availability, energy costs, water, and permitting timelines are gating factors. Investors will reward disciplined capital allocation—high‑grading reserves, modular expansions, and royalty/streaming finance—to avoid the capex blowouts that plagued previous cycles. Downstream, minting and vaulting capacity must keep pace with institutional demand for allocated bars.

Technical deep dive: what’s different this time?

Flow composition: The last major bull market leaned heavily on ETF inflows; this one is anchored by official sector buying. That reduces price elasticity and can keep prices firm even when ETF holdings are flat or choppy.

Market microstructure: Tighter balances in the OTC market, a persistent Shanghai premium (a proxy for Chinese onshore demand), and robust retail bar/coin demand in Asia support spot tightness. China and India together account for over half of global jewellery and retail investment demand, providing a floor when Western flows pause.

Correlation regime: Gold’s beta to real yields has strengthened during policy pivots. If the Fed undershoots inflation or growth weakens, the negative correlation intensifies; if growth re‑accelerates and real yields rise, the relationship works in reverse. Build scenarios, not narratives.

Risk dashboard: what could derail the thesis?

Re‑steepening real yields: A hawkish Fed or upside inflation surprise could lift real yields, pressuring gold. A 50–75 bps move higher has historically shaved double‑digits from prices.

Official demand reversals: Central banks are price‑insensitive until they are not. A pause by a large buyer can spark momentum‑led selling, particularly if leveraged futures positioning is crowded.

Geopolitics cooling: A meaningful de‑escalation lowers the safety bid. Meanwhile, volatility in currencies (notably JPY and CNY) can cause episodic gold liquidation to meet domestic needs.

Operational risks: Physical mis‑matches, settlement delays, and collateral calls on derivatives can turn a hedge into a liquidity headache. Governance, not cleverness, is the antidote.

Outlook and boardroom actions

Base case: Easing US policy, a softer dollar, and steady official sector demand keep gold well supported through 2025. Upside tails come from renewed geopolitical flare‑ups or a faster‑than‑expected Fed cutting cycle. Downside risks concentrate around higher real yields and a pullback in central‑bank buying.

Actions for leaders:

• Set a strategic allocation policy: codify 2–5% core gold exposure at the fund or treasury level, with triggers for tactical +/- adjustments tied to real‑yield thresholds.
• Diversify implementation: blend physical/allocated holdings for durability with listed products for liquidity; keep derivatives strictly for hedging with pre‑funded collateral buffers.
• Stress‑test cash: model liquidity under 15–25% gold drawdowns and 100 bps real‑yield shocks; ensure covenants and hedges hold.
• For miners: prioritise returns on capital, modular expansions, and power efficiency; lock in margins with disciplined hedging, not blanket forward selling.
• For importers/retailers: build dynamic pricing and inventory turns; use options to cap upside risk without sacrificing all upside.

The strategic message is clear: treat gold as a portfolio ballast and a balance‑sheet tool, not a speculative bet. In a world short of trust and long on risk, that is an advantage worth owning.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(295) ["created"]=> string(19) "2025-10-12 22:20:30" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-10-13 18:06:00" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-12 22:25:24" ["publish_down"]=> NULL ["images"]=> string(486) "{"public_id_cloudinary":"pexels-zlataky-cz-61823415-8442318_bzcwru","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1760378682\/pexels-zlataky-cz-61823415-8442318_bzcwru.jpg","image_intro_alt":"Gold\u2019s new playbook: from safe haven to strategic reserve as prices hit records","float_intro":"","image_intro_caption":"Photo by Zla\u0165\u00e1ky.cz","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(765) "Reframe gold as core risk insurance: a 2–5% strategic allocation can stabilise portfolios when real yields fall or geopolitical risk spikes., Early adopters that combine allocated bullion with liquid listed exposures gain both durability and tactical flexibility compared with single‑channel approaches., Central‑bank buying above 1, 000 tonnes a year and a softer USD create a supportive price regime, boosting Australian miners’ margins and export receipts., Implementation discipline matters: set board‑approved limits, accounting treatment, collateral buffers and counterparty controls to avoid liquidity shocks., Base case supports firm prices into 2025; watch real yields and official‑sector demand as the two swing variables shaping the next leg." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(96) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(8708) ["ordering"]=> int(68) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(19) "Investment insights" ["category_route"]=> string(32) "invest-money/investment-insights" ["category_access"]=> int(1) ["category_alias"]=> string(19) "investment-insights" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(58) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Invest" ["parent_id"]=> int(284) ["parent_route"]=> string(12) "invest-money" ["parent_alias"]=> string(12) "invest-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8708 (3) { ["data":protected]=> object(stdClass)#972 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["menu-meta_description"]=> string(160) "Let us help you decide how you want to invest your money on. Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-12 22:25:24" ["slug"]=> string(83) "18954:golds-new-playbook-from-safe-haven-to-strategic-reserve-as-prices-hit-records" ["event"]=> object(stdClass)#9200 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(745) "

Gold’s rally to record territory in 2025 is not a speculative sideshow—it is a structural signal. With central banks accelerating diversification away from US Treasuries, real yields easing, and geopolitical risk elevated, gold is moving from ‘nice-to-have’ to core risk management tool. For Australian boards, the implications span treasury policy, export earnings, capital allocation and competitive positioning. The winners will treat gold as a strategy, not a trade.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9228 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8928 (3) { ["data":protected]=> object(stdClass)#8744 (1) { ["options"]=> object(stdClass)#8746 (2) { ["options0"]=> object(stdClass)#8747 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8745 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8927 (3) { ["data":protected]=> object(stdClass)#8742 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9234 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8926 (3) { ["data":protected]=> object(stdClass)#8748 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8743 (3) { ["data":protected]=> object(stdClass)#8738 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9230 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8741 (3) { ["data":protected]=> object(stdClass)#8913 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8739 (3) { ["data":protected]=> object(stdClass)#8908 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9229 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8914 (3) { ["data":protected]=> object(stdClass)#8904 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8907 (3) { ["data":protected]=> object(stdClass)#8912 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9227 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8911 (3) { ["data":protected]=> object(stdClass)#8909 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8910 (3) { ["data":protected]=> object(stdClass)#8938 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9215 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8906 (3) { ["data":protected]=> object(stdClass)#8940 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8937 (3) { ["data":protected]=> object(stdClass)#8942 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9236 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8939 (3) { ["data":protected]=> object(stdClass)#8947 (1) { ["options"]=> object(stdClass)#8945 (2) { ["options0"]=> object(stdClass)#8944 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8946 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8941 (3) { ["data":protected]=> object(stdClass)#8949 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9161 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8943 (3) { ["data":protected]=> object(stdClass)#8951 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8948 (3) { ["data":protected]=> object(stdClass)#8953 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9235 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8950 (3) { ["data":protected]=> object(stdClass)#8955 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8952 (3) { ["data":protected]=> object(stdClass)#8957 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(111) "/invest-money/investment-insights/golds-new-playbook-from-safe-haven-to-strategic-reserve-as-prices-hit-records" ["image"]=> string(126) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1760378682/pexels-zlataky-cz-61823415-8442318_bzcwru.jpg" ["image_alt"]=> string(81) "Gold’s new playbook: from safe haven to strategic reserve as prices hit records" } [1]=> object(stdClass)#8727 (57) { ["id"]=> int(19039) ["title"]=> string(69) "Investors maintain positive sentiment amid geopolitical uncertainties" ["alias"]=> string(69) "investors-maintain-positive-sentiment-amid-geopolitical-uncertainties" ["introtext"]=> string(398) "

In a surprising show of resilience, investors maintained a positive outlook in September, according to the latest State Street Institutional Investor Indicators released by State Street Markets. The State Street Risk Appetite Index remained buoyant, matching July's 2025 peak, as investors continued to embrace risk despite a backdrop of geopolitical uncertainties and mixed economic data.

" ["fulltext"]=> string(3319) "

Lee Ferridge, Head of Macro Strategy in The Americas at State Street Markets, highlighted the prevailing optimism among investors. "Despite heightened geo-political uncertainty in a number of major economies, somewhat mixed economic data, and growing valuation concerns across a raft of pro-risk assets, our broad measures of risk appetite continued to show strong positivity through September," he remarked. This optimism was further bolstered by the US Federal Reserve's decision to lower interest rates in September, the first cut of the year, with indications of further easing before the year's end.

The State Street Holdings indicators revealed that long-term investor allocations across equities, fixed income, and cash remained largely unchanged in September. This suggests that even as global yield curves steepen, investors are not yet swayed back into duration assets. Ferridge noted, "Within the month, the asset allocation weight to equities, the riskiest class of assets, was virtually unchanged; while the same is true for allocations to cash and fixed income assets. Investors are overweight risk and, happy to remain that way."

The sentiment is supported by State Street's broader suite of institutional flow indicators. "Indeed, the sentiment reading from our across asset Behavioural Risk Scorecard shows the 3-month moving average for sentiment at its most positive since January 2021," Ferridge added. Despite political, economic, and valuation concerns, investors seem content to "ride the positive price wave."

In the foreign exchange (FX) market, there has been a noticeable shift in investor behaviour. "Digging deeper, in FX, dollar selling persists, even as USD holdings now show the most pronounced underweight since early 2021," Ferridge explained. The US dollar's underweight position is the most significant among major currencies. Interestingly, the pro-risk sentiment is not limited to USD selling. Ferridge pointed out a "pronounced move into carry currencies," suggesting that this trend could continue, especially with high-yield FX still underweight.

Riskier commodity currencies such as the Canadian and Australian dollars are also seeing increased buying. In equities, North America remains the most favoured region. "Further buying of US equities adds to the existing overweight," Ferridge noted. However, elsewhere, equity demand is mixed, with a slowdown in the buying momentum of emerging market (EM) Asia equities.

In the fixed income sector, overall demand remains tepid, particularly in developed markets. Yet, there is a growing interest in EM fixed income assets, aligning with the carry theme observed in FX. "In September, seven countries showed above-average demand for sovereign bonds, and six of these were EM nations. Australia was the exception," Ferridge mentioned.

The report underscores the complex landscape investors are navigating, balancing geopolitical and economic uncertainties with a sustained appetite for risk. As the year progresses, it remains to be seen how these factors will influence investment strategies and market dynamics. For now, the sentiment is clear: investors are willing to take on risk, buoyed by central bank actions and a quest for higher returns in a low-yield environment.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(295) ["created"]=> string(19) "2025-10-07 23:55:30" ["created_by"]=> int(2421) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-10-07 23:55:30" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-10-07 23:56:42" ["publish_down"]=> NULL ["images"]=> string(439) "{"public_id_cloudinary":"pexels-rdne-7414274_wyflhd","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1759942489\/pexels-rdne-7414274_wyflhd.jpg","image_intro_alt":"Investors maintain positive sentiment amid geopolitical uncertainties","float_intro":"","image_intro_caption":"Photo by RDNE Stock project","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(69) "investors, maintain, positive, sentiment, geopolitical, uncertainties" ["metadesc"]=> string(389) "In a surprising show of resilience, investors maintained a positive outlook in September, according to the latest State Street Institutional Investor Indicators released by State Street Markets. The State Street Risk Appetite Index remained buoyant, matching July's 2025 peak, as investors continued to embrace risk despite a backdrop of geopolitical uncertainties and mixed economic data." ["access"]=> int(1) ["hits"]=> int(98) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(3319) ["ordering"]=> int(4) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(19) "Investment insights" ["category_route"]=> string(32) "invest-money/investment-insights" ["category_access"]=> int(1) ["category_alias"]=> string(19) "investment-insights" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(58) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(38) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Invest" ["parent_id"]=> int(284) ["parent_route"]=> string(12) "invest-money" ["parent_alias"]=> string(12) "invest-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#970 (3) { ["data":protected]=> object(stdClass)#8693 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["menu-meta_description"]=> string(160) "Let us help you decide how you want to invest your money on. Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-10-07 23:56:42" ["slug"]=> string(75) "19039:investors-maintain-positive-sentiment-amid-geopolitical-uncertainties" ["event"]=> object(stdClass)#9211 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(629) "

In a surprising show of resilience, investors maintained a positive outlook in September, according to the latest State Street Institutional Investor Indicators released by State Street Markets. The State Street Risk Appetite Index remained buoyant, matching July's 2025 peak, as investors continued to embrace risk despite a backdrop of geopolitical uncertainties and mixed economic data.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9239 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8928 (3) { ["data":protected]=> object(stdClass)#8744 (1) { ["options"]=> object(stdClass)#8746 (2) { ["options0"]=> object(stdClass)#8747 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8745 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8927 (3) { ["data":protected]=> object(stdClass)#8742 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9245 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8926 (3) { ["data":protected]=> object(stdClass)#8748 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8743 (3) { ["data":protected]=> object(stdClass)#8738 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9241 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8741 (3) { ["data":protected]=> object(stdClass)#8913 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8739 (3) { ["data":protected]=> object(stdClass)#8908 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9240 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8914 (3) { ["data":protected]=> object(stdClass)#8904 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8907 (3) { ["data":protected]=> object(stdClass)#8912 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9238 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8911 (3) { ["data":protected]=> object(stdClass)#8909 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8910 (3) { ["data":protected]=> object(stdClass)#8938 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9226 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8906 (3) { ["data":protected]=> object(stdClass)#8940 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8937 (3) { ["data":protected]=> object(stdClass)#8942 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9247 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8939 (3) { ["data":protected]=> object(stdClass)#8947 (1) { ["options"]=> object(stdClass)#8945 (2) { ["options0"]=> object(stdClass)#8944 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8946 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8941 (3) { ["data":protected]=> object(stdClass)#8949 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9137 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8943 (3) { ["data":protected]=> object(stdClass)#8951 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8948 (3) { ["data":protected]=> object(stdClass)#8953 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9246 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8950 (3) { ["data":protected]=> object(stdClass)#8955 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8952 (3) { ["data":protected]=> object(stdClass)#8957 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(103) "/invest-money/investment-insights/investors-maintain-positive-sentiment-amid-geopolitical-uncertainties" ["image"]=> string(111) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759942489/pexels-rdne-7414274_wyflhd.jpg" ["image_alt"]=> string(69) "Investors maintain positive sentiment amid geopolitical uncertainties" } [2]=> object(stdClass)#8726 (57) { ["id"]=> int(18974) ["title"]=> string(98) "Women in Finance Awards 2025: A leading indicator for talent, performance and regulatory readiness" ["alias"]=> string(96) "women-in-finance-awards-2025-a-leading-indicator-for-talent-performance-and-regulatory-readiness" ["introtext"]=> string(586) "

A record 617 submissions and 236 finalists in this year’s Women in Finance Awards signal more than celebration—they’re a proxy measure of talent pipeline strength across Australia’s financial services. Broking appears to be out in front, pointing to operating models that other parts of finance can emulate. But awards are a leading indicator, not the finish line: finance still records one of the widest gender pay gaps in Australia and investors are sharpening scrutiny. Here’s what the data means for performance, risk and competitive advantage.

" ["fulltext"]=> string(8157) "

Strip away the confetti and the Women in Finance Awards 2025 read like a dashboard for the sector’s future. The awards drew 617 submissions and named 236 finalists across banking, broking, wealth, superannuation, insurance and fintech—evidence of depth in the female talent pipeline. The broker-heavy finalist lists are particularly telling: broking’s operating model—entrepreneurial, flexible, performance-coded—appears to be cultivating female participation faster than some incumbent institutions. For boards, CEOs and HRDs, the signal is clear: where diverse talent thrives, operating models—not just messaging—have been redesigned.

Market context: a growing pipeline against stubborn structural gaps

Australia’s finance industry has made visible strides in participation and recognition, and the surge in award submissions is one such marker. Yet system-level indicators still demand attention. Workplace Gender Equality Agency (WGEA) disclosures show finance and insurance consistently ranks among the widest gender pay gaps of any Australian industry, and women remain underrepresented at the most senior profit-and-loss roles. In other words, the pipeline is filling, but progression and reward systems require continued reform.

This tension mirrors global experience. The UK’s mandatory gender pay gap reporting (since 2017) and the EU’s Pay Transparency Directive (adopted 2023) have pushed institutions beyond intent statements into measurable action. Australia’s 2024 employer-level pay gap publication by WGEA has similar teeth. Investors are already folding these metrics into stewardship conversations, with super funds and proxy advisers challenging boards where gaps persist without credible remediation plans.

Business impact: diversity is an operating lever, not a CSR line item

The commercial case is settled. McKinsey’s long-running studies have shown companies in the top quartile for gender diversity are more likely to outperform on profitability; diverse teams also tend to deliver better risk-adjusted decision-making and customer alignment. In financial services—where trust, risk discipline and personalised advice are differentiators—gender-balanced teams are correlated with improved client retention and cross-sell, particularly in retail banking, SME lending and wealth advice.

There’s also a hard cost lens. Replacing a mid-level finance professional can cost 1.5–2x salary when you add recruiting, onboarding and lost productivity. Inclusive cultures reduce regrettable attrition and shorten time-to-fill. For brokers and aggregators competing in a tight credit market, that translates to fewer pipeline disruptions and steadier conversion from lead to settlement.

Why broking is pulling ahead—and what incumbents can borrow

The finalist cohort suggests broking has become a de facto incubator for female leadership. Several structural features help:

• Flexible, output-based work design: Commission and portfolio models allow schedule autonomy—critical during caregiving phases—without penalising earnings potential.
• Network effects: Aggregators and industry bodies have built dedicated communities and mentoring for women, normalising sponsorship and deal-sharing.
• Clear P&L line-of-sight: Performance is transparent (settlements, trail, arrears), which can reduce bias in assessment compared with vague potential-based evaluations.

Large institutions can import these advantages without upending governance. Practical moves include: redesigning roles around outcomes rather than presenteeism; codifying sponsorship (not just mentorship) with targets and accountability; and giving earlier P&L exposure to high-potential women through micro-P&L ownership (e.g., segment pods or digital products).

Implementation reality: from statements to systems

Treat gender equity as a core operating transformation with a balanced scorecard. Four levers matter:

• Representation: Track by level, function and pay quartile; set 40:40:20 targets (40% women, 40% men, 20% open) to acknowledge non-binary talent while pushing balance.
• Pay and progression: Conduct annual pay equity audits across fixed and variable pay; use structured promotion criteria and calibration sessions to reduce bias.
• Culture and flexibility: Make flexible work the default, not a special request; equalise paid parental leave for all parents and remove minimum tenure hurdles.
• Pipeline: Run returnships for career returners; insist on balanced candidate slates and diverse interview panels; invest in sponsorship tied to executive KPIs and remuneration.

Measurement is non-negotiable. Monitor hiring mix, promotion rates, performance distribution, attrition differentials, and time-in-grade by gender. Add lead indicators such as belonging and psychological safety scores from engagement surveys. Publish progress—internally quarterly, externally annually—to meet stakeholder expectations and lock in momentum.

Risk, regulation and investor expectations: the new compliance-performance nexus

Regulatory momentum is shifting baseline expectations. In Australia, WGEA’s expanded reporting and the Corporate Governance Principles (Recommendation 1.5) require boards to set and disclose measurable diversity objectives. Falling short is now a reputational and funding risk. Global asset managers increasingly link voting policies to diversity disclosures, and credit rating agencies are incorporating human capital management into qualitative assessments.

There’s also a technology risk. As AI screening tools permeate recruitment, finance leaders must audit models for bias, ensure explainability, and maintain human-in-the-loop decisions. Bias in training data can calcify past inequities; governance should include regular disparate-impact testing and vendor accountability clauses.

Case signals and comparators

Industry bodies in broking have run targeted programs to attract, retain and promote women—mentoring cohorts, leadership intensives and peer networks—aligned to commercial KPIs like loan book growth and arrears control. In the institutional arena, several Australian majors have adopted balanced-slate hiring policies, equalised parental leave and set public targets for women in leadership. Internationally, UK banks that embedded pay transparency and sponsorship reported faster narrowing of gaps than peers relying solely on unconscious-bias training—an important lesson in prioritising structural over purely behavioural interventions.

The outlook to 2030: from awards to advantage

If current momentum holds, finance could move from episodic recognition to systemic balance by 2030. The winners will treat the awards as a pipeline barometer and act on three fronts:

• Talent economics: Build female-majority graduate and returner intakes in growth domains (data, risk, SME lending, wealth tech) and track conversion to leadership.
• Operating model redesign: Scale flexible, output-based role architectures beyond pilot teams; decentralise P&L exposure to accelerate leadership readiness.
• Transparent accountability: Link executive remuneration to diversity outcomes and publish granular progress, anticipating tightening disclosure norms at home and abroad.

For brokers specifically, the strategic opportunity is to brand the sector as the most meritocratic pathway in finance, codify best practices (sponsorship, flexible structures, safe workplaces) across aggregator networks, and convert talent advantage into market share as customer expectations lean toward relationship-led advice.

Bottom line: the 2025 awards are not just a celebration; they’re a signalling mechanism. Leaders who translate that signal into redesigned systems—pay, progression, flexibility and accountability—will out-hire, out-innovate and out-perform in the next cycle.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(295) ["created"]=> string(19) "2025-09-29 02:06:13" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-09-29 21:25:30" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-09-29 02:25:14" ["publish_down"]=> NULL ["images"]=> string(499) "{"public_id_cloudinary":"524707398_1165112452323444_4060018309464374454_n_als87j","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1759181082\/524707398_1165112452323444_4060018309464374454_n_als87j.jpg","image_intro_alt":"Women in Finance Awards 2025: A leading indicator for talent, performance and regulatory readiness","float_intro":"","image_intro_caption":"","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(912) "Treat the surge in Women in Finance Awards participation (617 entries, 236 finalists) as a leading indicator of a strengthening female talent pipeline, especially in broking., Early adopters who redesign roles around outcomes, codify sponsorship, and publish pay-equity progress gain a durable edge in talent attraction, client trust and profitability., Regulatory momentum (WGEA reporting, ASX governance expectations) and global norms are turning diversity from reputational nice-to-have into a funding and investor scrutiny issue., Implement a four-lever scorecard—Representation, Pay & Progression, Culture & Flexibility, Pipeline—with quarterly internal reporting and executive pay tied to outcomes., By 2030, firms that meaningful scale flexible operating models and transparent accountability will convert recognition into competitive advantage, while laggards face higher attrition and capital costs." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(135) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(8157) ["ordering"]=> int(53) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(19) "Investment insights" ["category_route"]=> string(32) "invest-money/investment-insights" ["category_access"]=> int(1) ["category_alias"]=> string(19) "investment-insights" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(58) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Invest" ["parent_id"]=> int(284) ["parent_route"]=> string(12) "invest-money" ["parent_alias"]=> string(12) "invest-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#973 (3) { ["data":protected]=> object(stdClass)#8691 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["menu-meta_description"]=> string(160) "Let us help you decide how you want to invest your money on. Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-09-29 02:25:14" ["slug"]=> string(102) "18974:women-in-finance-awards-2025-a-leading-indicator-for-talent-performance-and-regulatory-readiness" ["event"]=> object(stdClass)#9222 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(844) "

A record 617 submissions and 236 finalists in this year’s Women in Finance Awards signal more than celebration—they’re a proxy measure of talent pipeline strength across Australia’s financial services. Broking appears to be out in front, pointing to operating models that other parts of finance can emulate. But awards are a leading indicator, not the finish line: finance still records one of the widest gender pay gaps in Australia and investors are sharpening scrutiny. Here’s what the data means for performance, risk and competitive advantage.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9250 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8928 (3) { ["data":protected]=> object(stdClass)#8744 (1) { ["options"]=> object(stdClass)#8746 (2) { ["options0"]=> object(stdClass)#8747 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8745 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8927 (3) { ["data":protected]=> object(stdClass)#8742 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9256 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8926 (3) { ["data":protected]=> object(stdClass)#8748 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8743 (3) { ["data":protected]=> object(stdClass)#8738 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9252 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8741 (3) { ["data":protected]=> object(stdClass)#8913 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8739 (3) { ["data":protected]=> object(stdClass)#8908 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9251 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8914 (3) { ["data":protected]=> object(stdClass)#8904 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8907 (3) { ["data":protected]=> object(stdClass)#8912 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9249 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8911 (3) { ["data":protected]=> object(stdClass)#8909 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8910 (3) { ["data":protected]=> object(stdClass)#8938 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9237 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8906 (3) { ["data":protected]=> object(stdClass)#8940 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8937 (3) { ["data":protected]=> object(stdClass)#8942 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9258 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8939 (3) { ["data":protected]=> object(stdClass)#8947 (1) { ["options"]=> object(stdClass)#8945 (2) { ["options0"]=> object(stdClass)#8944 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8946 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8941 (3) { ["data":protected]=> object(stdClass)#8949 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9136 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8943 (3) { ["data":protected]=> object(stdClass)#8951 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8948 (3) { ["data":protected]=> object(stdClass)#8953 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9257 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8950 (3) { ["data":protected]=> object(stdClass)#8955 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8952 (3) { ["data":protected]=> object(stdClass)#8957 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(130) "/invest-money/investment-insights/women-in-finance-awards-2025-a-leading-indicator-for-talent-performance-and-regulatory-readiness" ["image"]=> string(140) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759181082/524707398_1165112452323444_4060018309464374454_n_als87j.jpg" ["image_alt"]=> string(98) "Women in Finance Awards 2025: A leading indicator for talent, performance and regulatory readiness" } [3]=> object(stdClass)#8725 (57) { ["id"]=> int(19027) ["title"]=> string(74) "Brokers turn complaints into gold by transforming compliance into strategy" ["alias"]=> string(111) "when-complaints-become-conduct-how-australias-brokers-are-turning-a-compliance-problem-into-strategic-advantage" ["introtext"]=> string(566) "

Complaint volumes aren’t just rising — they’re getting harder, touching product suitability, vulnerable customers and data use. With brokers now originating the majority of Australian home loans, the stakes are system-level. Early movers are reframing complaints as risk intelligence, using AI-enabled triage and tighter partner governance to cut escalation risk and improve NPS — without adding headcount. This case study unpacks the playbook, the ROI, and the market shifts every broker, lender and aggregator should see coming.

" ["fulltext"]=> string(9296) "

Context: A volume market meets a complexity problem

Connective has warned that the nature of complaints against mortgage and finance brokers is changing — and the timing matters. Brokers now intermediate the majority of home lending: industry analyses in 2023 placed broker-originated flows at roughly seven in ten mortgages, making the channel systemically significant. At the same time, industry commentary points to a pivot from simple service grievances (missed calls, delays) toward more complex issues: suitability of credit assistance, the handling of financially vulnerable customers, disclosures around fees and clawbacks, and the use of customer data and analytics in decisioning.

Two macro forces amplify the risk. First, digital visibility: the ACCC has noted Google held nearly 94 per cent of general search in Australia as recently as August 2024. One unresolved complaint can become the top search result for your brand overnight. Second, regulatory expectations: ASIC’s Internal Dispute Resolution regime (RG 271) tightened timeframes and standards, while its 2024 governance review warned of controls lagging technology adoption. As ASIC’s Report 798 put it, “The landscape of AI regulation in Australia is evolving.” In parallel, AFCA continues to receive tens of thousands of complaints across financial services annually, spotlighting systemic issues where they emerge.

The competitive context is shifting too. As rates and credit appetite changed, brokers increasingly placed customers with non-bank lenders — a rational response to policy niches and turnaround times, but one that introduced new complaint patterns (servicing, hardship and collections practices, and communications) that brokers must anticipate and manage.

Decision: From cost centre to risk intelligence capability

Leading aggregators and broker groups have reframed complaints handling from a reactive cost to a proactive, intelligence-led capability. The strategic decision had three planks:

• Re-architect IDR around root cause: Move beyond ticket closure to systemic analysis (product fit, remuneration conflicts, disclosure practices, lender selection logic).
• Adopt AI-enabled triage with strong guardrails: Use natural language processing (NLP) to classify complaints by conduct risk, consumer vulnerability and urgency, while implementing strict model governance aligned to ASIC’s guidance and public-sector exemplars such as the ATO’s AI governance approach.
• Tighten partner governance: Create standardised service-level and conduct scorecards for non-bank and bank partners, embedding complaint trends, hardship responsiveness and policy exceptions into placement decisions.

Implementation: The operating model that actually works

Execution was built on a pragmatic operating model — technology plus governance, not technology instead of governance.

• Data taxonomy and capture: Standard fields for complaint type, channel, customer cohort, lender, product, and outcome; structured flags for potential vulnerability and hardship; secure storage with data minimisation.
• AI triage, human-in-the-loop: An NLP model classifies inbound narratives into categories (e.g., suitability vs. service) and risk tiers. Confidence thresholds route low-risk items to frontline resolution and high-risk to compliance/legal. All models are subject to bias testing, version control and periodic validation, per the control themes highlighted in ASIC REP 798.
• Root-cause analytics: Monthly dashboards run Pareto analysis on complaint drivers (e.g., valuation delays, channel conflict, fee misunderstanding). Drill-through links to specific lender/product combinations and broker behaviours to inform coaching and product governance.
• Vulnerability playbooks: Scripts and pathways for hardship, domestic and family violence, and financial abuse, aligned with Australian Consumer Law guarantees and credit obligations, to ensure consistent, humane responses and faster resolution.
• Partner scorecards and escalation paths: Aggregated complaint metrics feed quarterly reviews with lenders (banks and non-banks), with clear thresholds for remediation plans and, if required, de-selection.
• Digital reputation hygiene: Given Google’s near-total share of search discovery, teams implemented consistent, timely responses on public platforms, structured FAQs, and schema-marked content to ensure authoritative pages rank above isolated grievances.

Results: Modelled ROI and measurable risk reduction

Because firms disclose little publicly, we model outcomes for a mid-sized broker group using conservative assumptions. For a network writing 25,000 loans annually with a 1 per cent complaint rate (250 cases):

• Faster resolution: AI-enabled triage and playbooks reduce average time-to-resolution from 12 days to 6–7 days, improving RG 271 on-time closure to 95–98 per cent.
• Fewer external escalations: Targeted coaching and partner remediation halve AFCA escalations from 10 per cent to 5 per cent of complaints (from 25 to ~12 cases annually). Even ignoring fee savings, the avoided management time is material.
• First-contact resolution (FCR): Structured scripts and authority matrices lift FCR from ~40 per cent to 60–65 per cent, freeing capacity without headcount growth.
• Conduct risk detection: Categorisation shifts reveal that 30–40 per cent of complaints now relate to suitability/disclosure rather than pure service, enabling targeted rectification (e.g., templated fee explanations and lender-selection rationale).
• Placement optimisation: Partner scorecards cut repeat issues with two underperforming products, shifting 5–8 per cent of flow to higher-performing alternatives without customer detriment.

These gains align with the direction set by ASIC’s governance emphasis and industry initiatives showcased during Australia’s AI Month in 2024: use AI to augment, not automate away, responsible decision-making.

Business impact and competitive advantage

For brokers and aggregators, the business case runs on three lines:

• Revenue protection: Lower churn and improved referral rates from FCR improvements and transparent remediation; reputation risk contained in an environment where search concentrates discovery.
• Cost-to-serve: Automation of intake and routing reduces swivel-chair effort; fewer AFCA matters mean less senior time and external adviser spend.
• Regulatory resilience: Evidenced root-cause remediation lowers the likelihood of systemic issue findings; model governance and data lineage show your work when ASIC or AFCA asks.

Implementation reality: What trips firms up

Three practical hurdles consistently emerge:

• Data quality: Free-text narratives without structure neuter analytics. Mandate fields and train staff.
• Model governance: AI without controls creates a new risk vector. Borrow from public-sector exemplars like the ATO’s AI governance framework and ASIC’s REP 798 control expectations.
• Partner alignment: Non-bank product strengths can be offset by post-settlement pain if service slips. Make complaint data a non-negotiable agenda item in quarterly business reviews, with consequence management.

Future outlook: Predict and prevent

Insurance leaders talk about a shift to “predict and prevent”; credit distribution is heading the same way. Expect more pre-issue suitability checks supported by explainable AI, enhanced vulnerability detection, and dynamic product governance that reacts to emerging complaint clusters within weeks, not quarters. With national initiatives like the National AI Centre spotlighting responsible adoption, the winners will be those who blend analytics with empathy and governance — turning a rising tide of complex complaints into a moat of trust.

Lessons

• Treat complaints as a strategic dataset, not a regulatory obligation. It’s the cleanest signal of product–market and process–customer friction.
• Invest in explainability so front-line staff can articulate reasoning to customers. Black boxes invite complaints.
• Scorecard your partners using the same rigour you apply to your own teams; shift flow where customer outcomes prove better.
• Design for vulnerability from the first script to the last email. It accelerates resolution and reduces escalation risk.
• Manage search reputation actively because discovery is concentrated; timely, factual responses and authoritative content protect brand equity.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(295) ["created"]=> string(19) "2025-09-26 05:08:21" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-09-28 19:05:32" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-09-26 05:26:11" ["publish_down"]=> NULL ["images"]=> string(480) "{"public_id_cloudinary":"pexels-sevenstormphotography-443383_xo6hsc","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1759086295\/pexels-sevenstormphotography-443383_xo6hsc.jpg","image_intro_alt":"Brokers turn complaints into gold by transforming compliance into strategy","float_intro":"","image_intro_caption":"Photo by SevenStorm JUHASZIMRUS","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(733) "Reframe complaints as risk intelligence to identify suitability, disclosure and partner performance issues early and at meaningful scale, AI-enabled triage with strong model governance can lift first-contact resolution by 20+ percentage points while maintaining ASIC compliance, Concentrated search discovery (Google ~94% share) magnifies reputational risk, making digital response discipline a commercial necessity, Partner scorecards that integrate complaint data allow brokers to optimise lender placement and reduce repeat issues without harming customer outcomes, The market is moving toward ‘predict and prevent’ complaint management; firms combining analytics, empathy and governance will build durable trust and advantage" ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(120) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(9296) ["ordering"]=> int(8) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(19) "Investment insights" ["category_route"]=> string(32) "invest-money/investment-insights" ["category_access"]=> int(1) ["category_alias"]=> string(19) "investment-insights" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(58) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Invest" ["parent_id"]=> int(284) ["parent_route"]=> string(12) "invest-money" ["parent_alias"]=> string(12) "invest-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#974 (3) { ["data":protected]=> object(stdClass)#8684 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["menu-meta_description"]=> string(160) "Let us help you decide how you want to invest your money on. Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-09-26 05:26:11" ["slug"]=> string(117) "19027:when-complaints-become-conduct-how-australias-brokers-are-turning-a-compliance-problem-into-strategic-advantage" ["event"]=> object(stdClass)#9233 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(839) "

Complaint volumes aren’t just rising — they’re getting harder, touching product suitability, vulnerable customers and data use. With brokers now originating the majority of Australian home loans, the stakes are system-level. Early movers are reframing complaints as risk intelligence, using AI-enabled triage and tighter partner governance to cut escalation risk and improve NPS — without adding headcount. This case study unpacks the playbook, the ROI, and the market shifts every broker, lender and aggregator should see coming.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9261 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8928 (3) { ["data":protected]=> object(stdClass)#8744 (1) { ["options"]=> object(stdClass)#8746 (2) { ["options0"]=> object(stdClass)#8747 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8745 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8927 (3) { ["data":protected]=> object(stdClass)#8742 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9267 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8926 (3) { ["data":protected]=> object(stdClass)#8748 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8743 (3) { ["data":protected]=> object(stdClass)#8738 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9263 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8741 (3) { ["data":protected]=> object(stdClass)#8913 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8739 (3) { ["data":protected]=> object(stdClass)#8908 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9262 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8914 (3) { ["data":protected]=> object(stdClass)#8904 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8907 (3) { ["data":protected]=> object(stdClass)#8912 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9260 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8911 (3) { ["data":protected]=> object(stdClass)#8909 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8910 (3) { ["data":protected]=> object(stdClass)#8938 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9248 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8906 (3) { ["data":protected]=> object(stdClass)#8940 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8937 (3) { ["data":protected]=> object(stdClass)#8942 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9269 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8939 (3) { ["data":protected]=> object(stdClass)#8947 (1) { ["options"]=> object(stdClass)#8945 (2) { ["options0"]=> object(stdClass)#8944 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8946 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8941 (3) { ["data":protected]=> object(stdClass)#8949 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9154 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8943 (3) { ["data":protected]=> object(stdClass)#8951 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8948 (3) { ["data":protected]=> object(stdClass)#8953 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9268 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8950 (3) { ["data":protected]=> object(stdClass)#8955 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8952 (3) { ["data":protected]=> object(stdClass)#8957 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(145) "/invest-money/investment-insights/when-complaints-become-conduct-how-australias-brokers-are-turning-a-compliance-problem-into-strategic-advantage" ["image"]=> string(127) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1759086295/pexels-sevenstormphotography-443383_xo6hsc.jpg" ["image_alt"]=> string(74) "Brokers turn complaints into gold by transforming compliance into strategy" } [4]=> object(stdClass)#8724 (57) { ["id"]=> int(18990) ["title"]=> string(76) "Australia’s growth beat is real — but it’s running on the wrong engine" ["alias"]=> string(66) "australias-growth-beat-is-real-but-its-running-on-the-wrong-engine" ["introtext"]=> string(522) "

Australia’s June-quarter expansion surprised to the upside, powered by households and government even as public investment sagged. The composition matters: consumption rose faster than essentials, and public demand did the heavy lifting, while capex receded. For executives, this is a window to monetise demand and fortify balance sheets before capacity constraints and a thinner investment pipeline catch up. The strategy play is disciplined: sell into the upswing, invest for the downcycle.

" ["fulltext"]=> string(8284) "

Key implication: The economy expanded despite the investment slump, but growth quality is fragile. Firms that treat this as a tactical demand window — not a structural boom — will outperform.

The numbers behind the surprise

Australia’s GDP increased an estimated 0.6% in the June 2025 quarter, up 1.8% year-on-year. For the 2024–25 financial year, growth of roughly 1.3% marked the weakest annual pace since the early 1990s outside the pandemic era. The quarter’s composition is the story: household consumption rose 0.9%, with discretionary spend up 1.4% versus a 0.5% lift in essentials, according to the Australian Bureau of Statistics (ABS). Government final consumption also increased, offsetting a sharp fall in public investment.

ABS Head of National Accounts Tom Lay has highlighted the mix: retail-driven end‑of‑financial‑year promotions, new product cycles, and an elongated holiday period thanks to the Easter–Anzac Day cluster buoyed discretionary activity. Several private‑sector economists also noted that the expiry of energy subsidies in some jurisdictions did not dent spending as feared, pointing to resilient household demand.

Business impact: revenue uptick, margin compression risk

For operators, this is a classic consumption‑led pulse. The near‑term winners are retailers, travel and leisure, quick‑service dining, and experiential categories. Expect higher basket sizes in discretionary goods and a tilt to services‑led spend: travel, events, hospitality. Government outlays support healthcare, social services, and defence-adjacent providers.

The P&L nuance: promotions and EOFY discounting helped volumes but at the cost of gross margin. Input prices have stabilised from 2022–23 peaks, yet wage and rent pressures linger. Inventory turns improved in categories linked to new releases (consumer electronics, apparel) but remain uneven in home‑related durables. Net-net, revenue beats are possible; margin beats are harder without pricing discipline and mix management.

What’s really driving demand: the microeconomics

Three forces intersected this quarter:

• Calendar and promotion effects: The rare Easter–Anzac adjacency created an extended domestic travel and leisure window. Aggressive EOFY promotions pulled forward demand, particularly in electronics, fashion, and automotive accessories.
• “Experiences over things” shift: Post‑pandemic preferences continue to favour services. That aligns with the 1.4% rise in discretionary spend outperforming essentials. Airlines, accommodation, entertainment and dining captured the uplift.
• Policy backdrop and sentiment: While interest rates remain restrictive by historical standards, inflation’s descent has steadied consumer expectations. Some economists, including KPMG’s chief economist Brendan Rynne, flagged the role of policy expectations and improving sentiment in unlocking spend, even with fiscal supports (such as energy rebates) rolling off in places.

Important caveat: the household saving ratio remains near multi‑decade lows, indicating limited buffer. This is demand you must monetise efficiently — not rely on as a structural tailwind.

Quality of growth and the investment hole

From a growth‑accounting lens (Y = C + I + G + NX), the quarter leaned on C and G as I (investment) fell. That matters for potential output. Without business and public investment — machinery, equipment, digital, and infrastructure — capacity tightens and productivity stalls. It’s the classic “sugar hit” problem: near‑term demand support without the supply‑side upgrades that sustain real income growth.

Several bank desks caution that a prolonged capex dip would cap future growth, stretch supply chains, and entrench services inflation. The policy mix has done its job stabilising activity; the baton must pass back to private investment and tradables competitiveness to extend the cycle.

Playbook for early movers: convert demand, bank resilience

• Precision pricing and mix: Use targeted, data‑driven promotions tied to cohort elasticity (youth, families, regional travellers) and channels with highest attach rates. Prioritise high‑margin add‑ons in experiences (bundled dining, priority access, upgrades).
• Calendar‑aware planning: Treat the holiday adjacency and EOFY as repeatable scenarios. Build demand models that price in movable feasts, state‑based school holidays, and sports/event calendars. Pull-forward inventory selectively to avoid post‑promotion margin bleed.
• Working capital discipline: Tighten DSO/DPO with supplier collaboration; implement SKU rationalisation in slow movers; lock in logistics rates while spot markets remain benign.
• Productivity now, capacity next: Channel capex to high‑ROI automation and AI‑enabled demand forecasting that lift labour productivity 5–10% without expanding floor space. Where feasible, secure long‑lead assets (critical equipment, network upgrades) at today’s prices to pre‑empt supply constraints.
• Customer lifetime value (CLV) over transactions: Lean into loyalty science: personalised offers, experiential tiers, and soft benefits that convert one‑off EOFY shoppers into repeat customers. CLV expansion is the hedge if headline demand softens.

Implementation reality: constraints and how to navigate them

• Labour: Services growth collides with staffing shortages in hospitality and care. Solutions: cross‑training, flexible rosters powered by demand forecasting, and targeted retention bonuses tied to shift coverage rather than flat wage hikes.
• Supply chain: While freight rates have normalised, key categories (electronics, autos) still face sporadic component delays. Hedge with dual‑sourcing and buffer stock for A‑SKUs; avoid broad‑based inventory build that bloats working capital.
• Regulatory and public procurement: Government consumption is up even as public investment falls. Contractors should rebalance pipelines toward service‑heavy contracts (health, social care, defence support) and prepare for slower approvals on capital‑intensive projects.

Outlook: scenarios and what to watch

Base case: Growth cools sequentially as calendar effects fade and low savings constrain further consumption gains. Government demand remains a partial stabiliser, but investment must recover to sustain momentum.

Upside case: If real wages keep improving and funding costs ease, private capex and housing activity could turn, extending the cycle and broadening sector participation.

Downside case: A labour‑market wobble or renewed price pressures could expose the thin household buffer, pushing discretionary spend back to essentials.

Indicators to track: ABS retail trade monthly prints; job vacancies and underemployment; business capex intentions; government budget updates; and RBA communications on the balance of risks.

Technical note: what’s moving GDP

The quarter’s “real” GDP is chain‑volume adjusted, stripping out price effects. Government final consumption (services delivered by the public sector) added to growth, while public gross fixed capital formation (infrastructure and equipment) detracted — a reminder that not all “government spending” is equal in multipliers and durability. Household consumption’s discretionary bias, flattered by promotions and timing, typically has a shorter half‑life than investment. Net exports were not the hero; services imports often rise alongside outbound travel when households feel better off, partially offsetting domestic gains.

Bottom line: enjoy the demand dividend, but fund the supply side. That’s how you turn a sugar hit into a sustainable run-rate.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(295) ["created"]=> string(19) "2025-09-22 21:10:05" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-09-23 12:37:16" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-09-23 00:36:48" ["publish_down"]=> NULL ["images"]=> string(463) "{"public_id_cloudinary":"pexels-kindelmedia-7979441_ghfsz2","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1758627105\/pexels-kindelmedia-7979441_ghfsz2.jpg","image_intro_alt":"Australia\u2019s growth beat is real \u2014 but it\u2019s running on the wrong engine","float_intro":"","image_intro_caption":"Photo by Kindel Media","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(752) "Treat the consumption-led uptick as a tactical revenue window, not a structural boom; prioritise margin management and cash conversion., Exploit calendar effects and cohort elasticities with precision pricing, bundles, and loyalty to expand customer lifetime value in experiences-led categories., Rebalance toward productivity capex (automation, forecasting, AI) now and queue capacity investments to pre‑empt future bottlenecks from weak current capex., Harden operations: dual-source critical inputs, hold targeted buffer stock for A‑SKUs, and align labour rosters to demand to protect margins., Watch capex intentions, labour-market slack, and RBA guidance; sustained growth requires an investment handover from the public to the private sector." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(150) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(8284) ["ordering"]=> int(15) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(19) "Investment insights" ["category_route"]=> string(32) "invest-money/investment-insights" ["category_access"]=> int(1) ["category_alias"]=> string(19) "investment-insights" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(58) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Invest" ["parent_id"]=> int(284) ["parent_route"]=> string(12) "invest-money" ["parent_alias"]=> string(12) "invest-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8692 (3) { ["data":protected]=> object(stdClass)#8678 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["menu-meta_description"]=> string(160) "Let us help you decide how you want to invest your money on. Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-09-23 00:36:48" ["slug"]=> string(72) "18990:australias-growth-beat-is-real-but-its-running-on-the-wrong-engine" ["event"]=> object(stdClass)#9244 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(750) "

Australia’s June-quarter expansion surprised to the upside, powered by households and government even as public investment sagged. The composition matters: consumption rose faster than essentials, and public demand did the heavy lifting, while capex receded. For executives, this is a window to monetise demand and fortify balance sheets before capacity constraints and a thinner investment pipeline catch up. The strategy play is disciplined: sell into the upswing, invest for the downcycle.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9272 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8928 (3) { ["data":protected]=> object(stdClass)#8744 (1) { ["options"]=> object(stdClass)#8746 (2) { ["options0"]=> object(stdClass)#8747 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8745 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8927 (3) { ["data":protected]=> object(stdClass)#8742 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9278 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8926 (3) { ["data":protected]=> object(stdClass)#8748 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8743 (3) { ["data":protected]=> object(stdClass)#8738 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9274 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8741 (3) { ["data":protected]=> object(stdClass)#8913 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8739 (3) { ["data":protected]=> object(stdClass)#8908 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9273 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8914 (3) { ["data":protected]=> object(stdClass)#8904 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8907 (3) { ["data":protected]=> object(stdClass)#8912 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9271 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8911 (3) { ["data":protected]=> object(stdClass)#8909 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8910 (3) { ["data":protected]=> object(stdClass)#8938 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9259 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8906 (3) { ["data":protected]=> object(stdClass)#8940 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8937 (3) { ["data":protected]=> object(stdClass)#8942 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9280 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8939 (3) { ["data":protected]=> object(stdClass)#8947 (1) { ["options"]=> object(stdClass)#8945 (2) { ["options0"]=> object(stdClass)#8944 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8946 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8941 (3) { ["data":protected]=> object(stdClass)#8949 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9176 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8943 (3) { ["data":protected]=> object(stdClass)#8951 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8948 (3) { ["data":protected]=> object(stdClass)#8953 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9279 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8950 (3) { ["data":protected]=> object(stdClass)#8955 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8952 (3) { ["data":protected]=> object(stdClass)#8957 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(100) "/invest-money/investment-insights/australias-growth-beat-is-real-but-its-running-on-the-wrong-engine" ["image"]=> string(118) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1758627105/pexels-kindelmedia-7979441_ghfsz2.jpg" ["image_alt"]=> string(76) "Australia’s growth beat is real — but it’s running on the wrong engine" } [5]=> object(stdClass)#8723 (57) { ["id"]=> int(18945) ["title"]=> string(84) "Australia’s 5% deposit reboot: who wins, who pays, and what changes from 1 October" ["alias"]=> string(77) "australias-5-deposit-reboot-who-wins-who-pays-and-what-changes-from-1-october" ["introtext"]=> string(569) "

By pulling forward and widening the 5% Home Guarantee Scheme, Canberra has reset the entry point to home ownership — and the chessboard for banks, brokers, developers and insurers. The higher price caps and broadened eligibility could double viable suburbs for first-home buyers and accelerate demand into Q4. But policy that juices purchasing power without new supply rarely ends where it starts. The strategic question for business leaders is how to capture upside now while insulating against policy, credit and price risks that follow.

" ["fulltext"]=> string(8440) "

The key implication: Australia’s expanded 5% deposit scheme, brought forward to 1 October 2025, will shift market power to first-home buyers (FHBs) in the near term, intensify competition around new price caps, and rewire lender and developer product strategies — while introducing fiscal, credit and inflationary risks that will surface over the next 12–24 months.

Market context: demand brought forward, choices enlarged

FHB momentum was already building: 125,220 FHB loans settled in 2024 (up 5.9% year on year), with projections pointing to roughly 6.5% growth in 2025 to around 133,000 loans. The expanded scheme, which allows eligible buyers to purchase with a 5% deposit and avoid Lenders Mortgage Insurance (LMI) via a government guarantee, raises regional price caps and removes some previous constraints, effectively doubling viable suburbs for many buyers.

Cotality economist Kaytlin Ezzy notes that earlier iterations funnelled buyers to fringe or regional markets. With higher caps, “the location set broadens materially,” particularly in middle-ring suburbs where prior thresholds were binding. The scheme’s accelerated launch concentrates demand into the December and March quarters — a classic demand-pull dynamic.

Competitive dynamics: banks, brokers and insurers recalibrate

Banks and mutuals: Guarantee-backed loans carry lower upfront cash requirements for customers but standard credit risk obligations for lenders. Expect major banks to prioritise fast pre-approvals, digital verification and dedicated FHB pipelines to convert volume in a compressed window. Mutuals and regional banks, already competitive on service, can win on speed-to-yes and local broker relationships. Pricing is likely to remain disciplined; the playbook will focus on conversion and cross-sell (transaction, insurance, savings) rather than rate wars.

Brokers: With complexity up (eligibility, caps, timing), brokers become the navigators. Expect higher broker share of FHB originations and a wave of eligibility calculators, suburb-specific cap maps and pre-qualification tools. The near-term broker opportunity is substantial as customers seek to reconcile caps, stock and timing.

LMI providers: The scheme bypasses LMI on qualifying loans, pressuring volumes and premium income. Expect pivot strategies: risk-sharing partnerships with lenders on non-scheme high-LVR loans, product innovation (e.g., investor LMI optimisation), and advisory services on credit analytics. The LMI sector remains systemically relevant — but the mix shifts away from FHBs.

Price effects and supply bottlenecks: the cap becomes the anchor

Demand-side subsidies tend to capitalise into prices when supply is inelastic. The raised caps will likely pull prices toward the new thresholds in targeted postcodes, particularly for townhouses and entry-level detached homes. International analogues — from the UK’s Help to Buy to Canada’s first-time incentives — show price clustering near eligibility cut-offs and faster absorption in projects designed just under the cap.

On the supply side, construction capacity, planning delays and input costs have not meaningfully improved. Without a matching supply response, the scheme may lift transaction volumes but not affordability. Several economists caution the policy risks a “false sense of affordability” if repayments stretch household budgets once promotional rates roll off or if unemployment ticks up.

Implementation reality: operations, credit and technology

Operational readiness: The brought-forward start date compresses lender technology and process updates (eligibility logic, pricing flags, documentation flows). Lenders that pre-stage conditional approvals and automate document capture will convert disproportionately. Expect weekend auction spikes once approvals flow.

Credit risk: The government guarantee mitigates LMI costs for borrowers, not default risk for the system. Prudent lenders will intensify serviceability buffers, verify non-wage income rigorously, and monitor concentration risk around cap-priced stock. APRA settings still apply; the guarantee does not change responsible lending obligations.

Data and analytics: The near-term edge lies in suburb-level heatmaps intersecting new caps with listing stock, build pipelines and auction clearance rates. Developers and lenders who combine cap-aware product design with real-time demand signals will out-execute peers.

Industry reshaping: developers and proptechs move to the cap

Developers: Expect product engineering to target configurations that sit just beneath caps (2–3 bedroom townhouses, compact detached on smaller lots, and compliant apartments). Staged releases calibrated to the October–March demand window can preserve margins. Greenfield projects near transport nodes stand to benefit as buyers trade up from fringe to middle-ring options unlocked by higher caps.

Proptechs and portals: Eligibility filters (deposit, cap, suburb), lender pre-approval integrations, and scheme-status badging on listings will improve conversion. This is an opening for marketplaces to offer end-to-end journeys — from eligibility to contract exchange — and capture incremental ad spend from lenders and developers chasing FHB cohorts.

Fiscal and regulatory risk: the bill comes later

Guarantees shift risk onto the public balance sheet. If price growth stalls or reverses for cap-clustered stock, loss severity on defaults can rise. Policymakers will track cohort arrears closely; any sign of stress could trigger tighter eligibility or slower future releases. Conversely, persistent price inflation near caps could invite scrutiny from competition regulators and housing authorities. For corporate planning, assume policy fluidity in 2026 and build scenarios accordingly.

International lessons and what Australia can adapt

Global experience suggests three durable lessons. First, programme design matters: tighter geographic and price targeting reduces windfall gains to sellers. Second, pairing demand support with supply unlocks — planning acceleration, build-to-rent incentives converting to build-to-sell pathways, and modular construction — improves affordability outcomes. Third, data transparency tempers speculative price spikes; publishing granular uptake, postcode distribution and default metrics builds market discipline.

Strategy playbook: capture upside, hedge the downside

For lenders: Stand up cap-aware pre-approval funnels; prioritise instant verification of income and deposit; deploy nudges for valuation-ready properties; and institute cohort-level early warning indicators (post-settlement buffers, repayment holidays usage). Align broker incentives with quality metrics, not just volume.

For developers: Re-scope product to price-point; secure fixed-price trades where possible to protect margins; synchronise release schedules with the October start; and partner with lenders for onsite pre-approval clinics. Emphasise energy efficiency to meet serviceability tests and operating cost expectations.

For insurers (LMI): Develop risk-sharing models on non-scheme loans; invest in borrower-level risk scoring; and target investor and upgrader segments where LMI remains relevant.

For proptechs and portals: Build eligibility engines, surface cap-optimised inventory, and integrate with lenders’ APIs for instant conditional approvals. Monetise through lead quality guarantees and co-branded campaigns.

For policymakers: Publish real-time dashboards on uptake and price effects; commit to sunset reviews; and tie future cap changes to clear supply milestones to avoid fuelling pure price inflation.

The bottom line: the 5% scheme is a powerful accelerator for transactions and an immediate catalyst for competitive repositioning. Early movers that operationalise against the new caps — while staying disciplined on credit and product — will win share now and remain resilient when policy and price cycles turn.

" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["catid"]=> int(295) ["created"]=> string(19) "2025-09-17 05:31:50" ["created_by"]=> int(1891) ["created_by_alias"]=> string(8) "Newsdesk" ["modified"]=> string(19) "2025-09-18 21:05:52" ["modified_by"]=> int(2421) ["publish_up"]=> string(19) "2025-09-17 06:05:30" ["publish_down"]=> NULL ["images"]=> string(476) "{"public_id_cloudinary":"pexels-jakubzerdzicki-30381207_sw4jnd","image_intro":"https:\/\/res.cloudinary.com\/momentum-media-group-pty-ltd\/image\/upload\/v1758229518\/pexels-jakubzerdzicki-30381207_sw4jnd.jpg","image_intro_alt":"Australia\u2019s 5% deposit reboot: who wins, who pays, and what changes from 1 October","float_intro":"","image_intro_caption":"Photo by Jakub Zerdzicki","image_fulltext":"","image_fulltext_alt":"","float_fulltext":"","image_fulltext_caption":""}" ["urls"]=> string(112) "{"urla":"","urlatext":"","targeta":"","urlb":"","urlbtext":"","targetb":"","urlc":"","urlctext":"","targetc":""}" ["attribs"]=> string(604) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","readingDiff":"3","comments":"1"}" ["metadata"]=> string(52) "{"robots":"","author":"","rights":"","metatitle":""}" ["metakey"]=> string(704) "Accelerated demand from the 1 October launch will cluster around new price caps, rewarding lenders and developers that pre-stage cap-aware approvals and inventory., Banks and mutuals can win share via speed-to-yes, digital pre-approvals and broker enablement rather than rate discounting., Price effects are likely near caps where supply is tight, creating clustering and potential margin lift for cap-optimised stock., Operational readiness is critical: automate eligibility, tighten credit verification and deploy suburb-level analytics to target viable listings., Plan for policy and credit volatility in 2026: monitor arrears in cap-clustered cohorts and scenario-test changes to eligibility or caps." ["metadesc"]=> string(0) "" ["access"]=> int(1) ["hits"]=> int(302) ["featured"]=> int(0) ["language"]=> string(1) "*" ["readmore"]=> int(8440) ["ordering"]=> int(20) ["featured_up"]=> NULL ["featured_down"]=> NULL ["state"]=> int(1) ["category_title"]=> string(19) "Investment insights" ["category_route"]=> string(32) "invest-money/investment-insights" ["category_access"]=> int(1) ["category_alias"]=> string(19) "investment-insights" ["category_language"]=> string(1) "*" ["published"]=> int(1) ["parents_published"]=> int(1) ["lft"]=> int(58) ["author"]=> string(8) "Newsdesk" ["author_email"]=> string(33) "[email protected]" ["modified_by_name"]=> string(17) "Nicole Comendador" ["parent_title"]=> string(6) "Invest" ["parent_id"]=> int(284) ["parent_route"]=> string(12) "invest-money" ["parent_alias"]=> string(12) "invest-money" ["parent_language"]=> string(1) "*" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#8685 (3) { ["data":protected]=> object(stdClass)#8677 (94) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["menu-meta_description"]=> string(160) "Let us help you decide how you want to invest your money on. Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, proper" ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2025-09-17 06:05:30" ["slug"]=> string(83) "18945:australias-5-deposit-reboot-who-wins-who-pays-and-what-changes-from-1-october" ["event"]=> object(stdClass)#9255 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

• Yes

" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(808) "

By pulling forward and widening the 5% Home Guarantee Scheme, Canberra has reset the entry point to home ownership — and the chessboard for banks, brokers, developers and insurers. The higher price caps and broadened eligibility could double viable suburbs for first-home buyers and accelerate demand into Q4. But policy that juices purchasing power without new supply rarely ends where it starts. The strategic question for business leaders is how to capture upside now while insulating against policy, credit and price risks that follow.

Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#9283 (33) { ["id"]=> int(1) ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> int(2355) ["ordering"]=> int(-1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8928 (3) { ["data":protected]=> object(stdClass)#8744 (1) { ["options"]=> object(stdClass)#8746 (2) { ["options0"]=> object(stdClass)#8747 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#8745 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8927 (3) { ["data":protected]=> object(stdClass)#8742 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(1) ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(3) "Yes" ["rawvalue"]=> string(1) "1" } [7]=> object(stdClass)#9289 (33) { ["id"]=> int(7) ["title"]=> string(17) "First article URL" ["name"]=> string(3) "url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-09 01:32:54" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8926 (3) { ["data":protected]=> object(stdClass)#8748 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8743 (3) { ["data":protected]=> object(stdClass)#8738 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "First article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [8]=> object(stdClass)#9285 (33) { ["id"]=> int(8) ["title"]=> string(18) "Second article URL" ["name"]=> string(18) "second-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:04" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8741 (3) { ["data":protected]=> object(stdClass)#8913 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8739 (3) { ["data":protected]=> object(stdClass)#8908 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#9284 (33) { ["id"]=> int(9) ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> int(2351) ["ordering"]=> int(0) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8914 (3) { ["data":protected]=> object(stdClass)#8904 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8907 (3) { ["data":protected]=> object(stdClass)#8912 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9282 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8911 (3) { ["data":protected]=> object(stdClass)#8909 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8910 (3) { ["data":protected]=> object(stdClass)#8938 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9270 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8906 (3) { ["data":protected]=> object(stdClass)#8940 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8937 (3) { ["data":protected]=> object(stdClass)#8942 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9291 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8939 (3) { ["data":protected]=> object(stdClass)#8947 (1) { ["options"]=> object(stdClass)#8945 (2) { ["options0"]=> object(stdClass)#8944 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8946 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8941 (3) { ["data":protected]=> object(stdClass)#8949 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9187 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8943 (3) { ["data":protected]=> object(stdClass)#8951 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8948 (3) { ["data":protected]=> object(stdClass)#8953 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9290 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8950 (3) { ["data":protected]=> object(stdClass)#8955 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8952 (3) { ["data":protected]=> object(stdClass)#8957 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(111) "/invest-money/investment-insights/australias-5-deposit-reboot-who-wins-who-pays-and-what-changes-from-1-october" ["image"]=> string(122) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1758229518/pexels-jakubzerdzicki-30381207_sw4jnd.jpg" ["image_alt"]=> string(84) "Australia’s 5% deposit reboot: who wins, who pays, and what changes from 1 October" } }