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In a world marked by economic fluctuations and geopolitical uncertainties, Australian investors are showing resilience and confidence, according to a recent survey by wealth app Sharesies. The survey, which polled over 2,500 retail investors, reveals that a significant portion of Australians remain steadfast in their investment strategies, with a focus on financial security, technology stocks, and achieving tangible personal goals.
" ["fulltext"]=> string(3806) "Despite the global economic turbulence, 61% of survey respondents indicated they are either maintaining or increasing their investments. Additionally, 65% of these investors expressed comfort with the same or even higher levels of risk in their investment choices. This robust confidence underscores a broader trend of Australians prioritising long-term financial stability over short-term market volatility.
Brooke Roberts, Co-founder and Co-CEO of Sharesies, commented on this trend, stating, "Australians are increasingly investing to build long-term wealth. Our research shows that 60% of Sharesies investors have got their investing strategy locked in, with a majority feeling confident about their financial future."
A notable preference for local assets emerged from the survey, with 73% of respondents investing in homegrown companies and 71% in exchange-traded funds (ETFs). These investments are not just about financial gains; they are seen as vehicles to achieve key personal milestones. The survey highlighted that 68% of investors aim to feel financially secure, while 56% are focused on setting themselves up for retirement. Additionally, 20% are investing with the goal of purchasing their own home.
The desire for financial security is a primary motivator for many Australian investors. Paying off a mortgage (30%), working by choice (21%), and relying on passive income (16%) are top factors contributing to this sense of security. For younger Australians, particularly those aged 18-24, buying a home is a significant driver, with 49% of this age group prioritising home ownership.
Family-oriented milestones also play a crucial role in shaping investment goals. Among 18-24-year-olds, 21% are investing to support starting a family, while 12% of those aged 35-45 are focused on funding their children's education. For those aged 45 and over, nearly 20% are investing to build an inheritance for their children, highlighting the importance of wealth transfer and legacy planning.
In terms of industry preferences, Australian investors are strategically backing sectors they believe will thrive in the evolving economic landscape. Technology remains the most favoured sector, with 77% of respondents expressing confidence in its potential. This is followed by healthcare (56%), financial services (51%), and resources (39%).
Sustainability and Environmental, Social, and Governance (ESG) factors are also gaining traction, particularly among younger investors. Two in five investors (43%) consider sustainability and ESG important when deciding where to invest, with 45% of those aged 18-44 prioritising these factors. However, a gap exists between interest and action, as only 4% of respondents currently hold ESG-focused investments.
Brooke Roberts emphasised the role of education and accessible platforms in fostering investor confidence. "We see this confidence in investing grow when people have access to the right education, paired with a user-friendly platform, empowering them to directly take action and make informed decisions about their wealth," she said.
The survey also sheds light on investors' confidence in managing their wealth and financial futures. While 25% of respondents feel confident in their financial management, nearly half (49%) feel somewhat confident. However, 30% are still in the process of developing their investing strategy, indicating a need for continued education and support in navigating the investment landscape.
As Australian investors continue to navigate a complex global economy, their focus on long-term goals, strategic sector investments, and confidence in their financial futures underscores a resilient and forward-thinking approach to wealth management.
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In a world marked by economic fluctuations and geopolitical uncertainties, Australian investors are showing resilience and confidence, according to a recent survey by wealth app Sharesies. The survey, which polled over 2,500 retail investors, reveals that a significant portion of Australians remain steadfast in their investment strategies, with a focus on financial security, technology stocks, and achieving tangible personal goals.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(152) "/invest-money/investment-insights/australian-investors-undeterred-amidst-global-uncertainty-prioritise-financial-security-tech-stocks-and-tangible-goals" ["image"]=> string(118) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1758220390/pexels-ivan-samkov-7213365_o7xuow.jpg" ["image_alt"]=> string(121) "Australian investors undeterred amidst global uncertainty, prioritise financial security, tech stocks, and tangible goals" } [1]=> object(stdClass)#8522 (57) { ["id"]=> int(18929) ["title"]=> string(76) "Escaping the dollar trap how treasuries and bullion are reshaping portfolios" ["alias"]=> string(76) "escaping-the-dollar-trap-how-treasuries-and-bullion-are-reshaping-portfolios" ["introtext"]=> string(596) "Gold’s geopolitical premium has broken out of the margins and into the mainstream of reserve and portfolio strategy. Central banks have been net buyers for years and, since 2022, their accumulation has helped push bullion to record highs as de‑dollarisation accelerates. This case study examines China’s reserve playbook alongside an Australian asset owner’s allocation shift, quantifying results and extracting practical lessons. The findings point to gold’s evolving role as an operational hedge against sanctions risk, currency volatility and tail events.
" ["fulltext"]=> string(9218) "Context: The geopolitics premium meets the risk budget
Gold’s resurgence is not a single-issue story. A multi‑polar world, sanctions risk in cross‑border payments, and a softer US dollar have converged with persistent geopolitical crises. The global gold market was valued at roughly US$276 billion in 2023 and is forecast to reach about US$458 billion by 2032, a 5.8% CAGR, with Asia–Pacific representing an estimated 66% share in 2023. At the same time, the official sector has been a structural buyer: according to industry data, central banks purchased a combined c.2,100 tonnes in 2022–23, the strongest two‑year run on record, with demand led by emerging markets.
As Andrew McAuley, Chief of Investments, UBS Global Wealth Management Australia, notes, “gold is functioning as a geopolitical hedge,” with central banks diversifying away from US Treasuries into bullion. World Gold Council research echoes the rationale: reserve managers cite long‑term store of value, performance in crisis, and lack of default risk as primary motivations. Despite rising real yields since 2022, bullion has printed successive highs through 2024–25—an anomaly explained by official‑sector accumulation and the search for sanctions‑resistant reserves.
Decision: China’s reserve pivot and an Australian asset owner’s allocation upgrade
China (sovereign case): Against the backdrop of potential financial sanctions, settlement fragmentation, and a desire to reduce reliance on US assets, Beijing incrementally raised the share of gold in its reserves through steady monthly purchases reported over 2023–24. The strategic intent: lower exposure to US duration risk, improve crisis‑liquidity optionality, and anchor confidence in the renminbi’s long‑term credibility as China advances alternative rails (e.g., CIPS) and local‑currency trade.
Australian asset owner (portfolio case): An anonymised A$50 billion industry super fund (“the Fund”) reviewed strategic asset allocation in mid‑2024 after stress‑testing equity, credit, and currency shocks. Baseline allocations had limited explicit tail hedges. The investment committee elected to lift gold from 0.5% to 2.0% of total assets, targeting: negative‑to‑low correlation in acute drawdowns, protection against AUD weakness in risk‑off periods, and a partial hedge to inflation and geopolitical shock.
Implementation: Turning policy into position
Sovereign toolkit: China’s execution relied on a blend of domestic supply capture (state guidance to miners), discreet OTC purchases through state banks, and accumulation via the Shanghai Gold Exchange. The operational preference was for physically held, unencumbered reserves under domestic custody to minimise seizure risk and reduce dependency on Western clearing systems. The decision complemented broader reserve diversification—moderating US Treasury holdings and increasing non‑USD assets—while retaining sufficient liquidity to manage balance‑of‑payments needs.
Portfolio toolkit (the Fund): The Fund opted for a primarily physical approach to minimise basis risk:
- 50 bps in a locally listed, physically backed ETF with transparent bar lists and Australian custodial storage (Good Delivery bars).
- 100 bps via an institutional segregated account with an LBMA member, on an allocated basis with no rehypothecation rights.
- 50 bps via exchange‑traded futures for tactical rebalancing and to manage inflows/outflows without incurring full logistics costs.
Key design choices included keeping the exposure unhedged to USD to benefit from the historical tendency of the AUD to weaken during global stress, establishing a 1.5–2.5% rebalancing band, and deploying a light options overlay (covered calls over a portion of the position) to monetise volatility spikes without diluting the core hedge. Governance enhancements covered daily look‑through reporting, NSFR/Basel III counterparty assessments for bullion banks, and alignment with internal liquidity buckets (gold classified as a Tier‑2 liquidity sleeve).
Technical deep dive: Why gold behaves differently now
Three structural shifts underpin today’s gold dynamics:
- Sanctions‑resilience premium: Physical gold held domestically is difficult to freeze, unlike reserve deposits at foreign central banks. This feature has explicit value in central bank utility functions.
- Balance‑sheet diversification: Official‑sector buying is relatively price‑insensitive and long‑horizon, dampening the usual negative relationship with real yields.
- Currency convexity for AUD investors: Gold is priced in USD; in risk‑off episodes, AUD depreciation amplifies local returns, improving hedge efficiency for Australian portfolios.
Second‑order effects are visible across metals: elevated gold demand has tightened the gold/silver ratio range and supported silver and platinum intermittently, influencing refinery runs and industrial users’ procurement strategies.
Results: Market outcomes and measurable portfolio impact
Market level: Since 2022, near‑record official purchases coincided with bullion printing all‑time highs through 2024–25. Price leadership has been official‑sector and Asia‑led: Asia–Pacific commanded about two‑thirds of global demand in 2023, with China and India pivotal on the retail side, and China, Singapore, Turkey and Poland prominent on the official side. The broader market value trajectory—US$276 billion in 2023 to a projected ~US$458 billion by 2032—signals durable institutionalisation of gold’s role.
Portfolio level (the Fund): Back‑tested across 2005–2024 and live‑observed during 2024–25 volatility windows, the 2% gold sleeve delivered:
- Return contribution: +35–60 bps to total fund returns in a 12‑month period marked by elevated geopolitical tension and growth scares, largely via USD/AUD translation and spot appreciation.
- Drawdown relief: Peak‑to‑trough drawdown reduced by ~60–120 bps versus the pre‑change policy portfolio during equity sell‑offs.
- Risk‑adjusted uplift: Portfolio Sharpe ratio improved by 5–10% relative, consistent with industry research showing 2–5% gold allocations enhance risk‑adjusted outcomes.
- Liquidity integrity: 95% of the sleeve could be liquidated same‑day without material price impact, preserving rebalancing agility.
Sovereign level (China): While reserve performance is not marked‑to‑market publicly, the accumulation strategy achieved three objectives: lower exposure to US duration and policy risk, improved crisis optionality through domestically held bars, and credibility signalling for alternative settlement ambitions. The cost was acceptance of bullion’s carry and storage expense, offset by reduced vulnerability to asset freezes.
Lessons: What decision‑makers should do now
1) Treat gold as infrastructure, not just an asset. For central banks and treasurers, custody, bar lists, and legal jurisdiction are strategic decisions. Explicitly price the sanctions‑resilience premium in reserve optimisation.
2) Size the allocation to the risk, not the headline. For diversified portfolios, 1–3% can deliver material drawdown benefits without crowding out growth assets; above 5% requires clear conviction about regime change.
3) Choose physical first; use derivatives as a bridge. Physical (allocated) minimises counterparty and basis risks; futures and options are best for tactical adjustments and volatility harvesting.
4) Leverage currency dynamics. For Australian investors, leaving gold unhedged to USD typically enhances crisis protection due to AUD’s beta to global risk.
5) Build governance for the new regime. Set rebalancing bands, define liquidity tiers, and update risk models to recognise that central‑bank‑driven demand can keep gold buoyant even with positive real rates.
6) Watch the spillovers. Rising gold allocations can compress returns in other safe assets and lift related metals. Procurement, treasury, and treasury‑adjacent functions (insurance, working capital) should stress‑test for tighter collateral haircuts and shifting correlations.
Gold’s role is evolving from passive diversifier to active geopolitical hedge. Early movers—whether sovereigns engineering de‑risked reserve stacks or funds installing small, disciplined sleeves—are securing resilience at a reasonable cost. In an era where payment rails, trade blocs and policy rates are all in flux, that optionality is fast becoming a competitive advantage.
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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) "2025-09-15 03:20:37" ["slug"]=> string(82) "18929:escaping-the-dollar-trap-how-treasuries-and-bullion-are-reshaping-portfolios" ["event"]=> object(stdClass)#9006 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "- Yes
Gold’s geopolitical premium has broken out of the margins and into the mainstream of reserve and portfolio strategy. Central banks have been net buyers for years and, since 2022, their accumulation has helped push bullion to record highs as de‑dollarisation accelerates. This case study examines China’s reserve playbook alongside an Australian asset owner’s allocation shift, quantifying results and extracting practical lessons. The findings point to gold’s evolving role as an operational hedge against sanctions risk, currency volatility and tail events.
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This case study shows how a disciplined review program cut risk, freed up cash flow and boosted returns for a mid-sized Australian investor. The playbook blends hard-nosed governance, modern analytics and pragmatic execution—useful for boards, CIOs and founders managing multi-asset or property‑heavy portfolios.
" ["fulltext"]=> string(8494) "Context: volatility, cost of capital and the review imperative
After a decade of cheap money, the Reserve Bank of Australia lifted the cash rate by more than 400 basis points across 2022–2023. Financing costs jumped, cap rates expanded, and loan covenants tightened. Equity markets oscillated as inflation data whipsawed expectations. For property investors, interest coverage ratios were squeezed; for multi-asset allocators, bonds no longer hedged equities as reliably as they did in the 2010s.
In this environment, investor behaviour shifted. Advice firms report heightened demand for independent portfolio reviews—a pragmatic response to higher hurdle rates and thinner error margins. Industry estimates peg the broader Australian financial advice market at roughly A$15bn in 2022, with review and optimisation mandates a growing slice. Globally, decades of research suggest asset allocation and cost control explain much of performance dispersion; in a high-rate regime, review discipline makes that theory operational.
As Peter Drucker famously observed, “what gets measured gets managed.” The question is how to measure—and act—fast enough.
Decision: institutionalise a quarterly ‘OODA’ for capital
An anonymised Australian family investment office (property-led, ~A$600m AUM) chose to formalise its portfolio review into a quarterly Observe–Orient–Decide–Act cycle, overseen by a refreshed investment committee (IC). The goals were unambiguous:
- Protect downside: maintain loan compliance under severe rate scenarios and increase cash runway.
- Optimise risk-adjusted returns: codify rebalancing, reduce fee drag, and tilt toward resilient income streams.
- Improve operating discipline: unify data, benchmark decisions, and shorten time-to-action.
The IC adopted three design principles: evidence-first (analytics before anecdotes), policy over ad hoc (pre-agreed bands and triggers), and execution certainty (pre-negotiated pathways with lenders and managers).
Implementation: a technical and operational playbook
Data fabric and tooling
- Connected cash, custody and loan accounts via Consumer Data Right (Open Banking) feeds and property management systems; reconciled to a single dashboard.
- Built factor analytics (equity/bond) and property risk models (cap rate, net operating income, vacancy, lease expiry, maintenance capex), with scenario engines for rates, rents and cap rates.
- Established benchmarks: public market indices for liquid sleeves; sector cap-rate ranges and rent growth bands for property; custom liquidity and drawdown metrics across the total portfolio.
Risk policy and thresholds
- Rebalancing bands: ±20% around strategic weights for each sleeve, with drift triggers prompting trades.
- Debt policy: weighted average LVR target ≤65% (hard cap 70%); minimum interest coverage ratio (ICR) 1.7x. Stress tests aligned to APRA’s 3% serviceability buffer plus an additional 200bps tail event.
- Rate risk: hedge 50–70% of floating exposure via fixed-rate facilities or swaps, laddered over 3–5 years.
Actions executed over two quarters
- Disposed of two non-core commercial assets with capex overhangs; redeployed into logistics with stronger rent indexation and into short-duration term deposits to build liquidity.
- Refinanced three loans with covenant-lite structures and extended tenors; executed interest rate swaps on 40% of remaining floating debt.
- Consolidated external managers, cutting duplicative mandates; negotiated fee breaks with performance tiers.
- Tax-loss harvested a small public equities sleeve to offset gains from property disposals; brought forward efficiency capex to lift energy ratings and reduce operating expenses.
Governance cadence
- Quarterly IC with pre-read dashboards; monthly risk huddles focused on deviations and trigger breaches.
- RACI-defined ownership for each asset sleeve; documented decision rationales to improve auditability.
- KPIs: tracking error and Sharpe by sleeve, cash flow at risk, vacancy, WALE, maintenance backlog, counterparty concentration, fee-to-return ratio.
Results: measurable gains in resilience and returns
Within 12 months of the program start, the composite outcomes were:
- Balance sheet resilience: weighted average LVR reduced from 71% to 61%; interest coverage improved from 1.3x to 1.9x.
- Cost of capital: effective debt cost lowered by 120bps versus ‘do-nothing’ path through refinancing and hedging.
- Liquidity: cash buffer increased by ~A$10m, extending covenant headroom to >12 months under severe downside scenarios.
- Performance: total portfolio delivered +2.4 percentage points above its blended benchmark with 18% lower volatility.
- Fees: manager and platform costs fell 22%, equating to ~A$0.48m annual savings.
- Compliance robustness: portfolio remained covenant-compliant under a simulated +300bps rate shock and 10% rental decline.
None of these moves were heroic; they were the compounding payoff of codified reviews and pre-agreed triggers.
Lessons: translating review hygiene into competitive advantage
1) Treat reviews as a capital allocation system, not a meeting. Use OODA or PDCA cycles with clear inputs, thresholds and playbooks. Decision latency is now a risk factor.
2) Anchor on risk budgets. Set explicit limits for drawdown, liquidity and concentration. Build stress tests using both regulatory heuristics (e.g., APRA’s 3% buffer) and bespoke tails relevant to your assets.
3) Codify rebalancing and automate where possible. Drift-based triggers and pre-trade analytics reduce behavioural bias and market timing errors. In liquid sleeves, automation enforces discipline; in illiquid real assets, use rolling disposals/acquisitions pipelines.
4) Cut frictional costs early. Fee drag is deterministic. Consolidate mandates, negotiate breakpoints, and deploy low-cost beta where conviction is low. Many studies show cost and allocation decisions dominate long-horizon outcomes.
5) Build a modern data stack. CDR/Open Banking feeds, clean reference data and a single source of truth enable faster, auditable decisions. Integrate property operations data (leases, arrears, capex) with finance to anticipate cash flow pressure.
6) Bake in tax and sustainability. Align review cycles with tax calendars for loss harvesting and distribution planning. Efficiency capex and higher energy ratings can lift NOI and valuation while reducing risk.
7) Plan the lender conversation before you need it. Pre-vetted refinance options and hedging lines turn a review insight into execution within days, not months.
Market and technology context: why now, what’s next
Business impact. In a higher-for-longer rate world, reviews directly affect interest expense, fee load, covenant safety and reinvestment velocity—core drivers of free cash flow and enterprise value.
Competitive advantage. Early adopters institutionalise review discipline, gaining cheaper debt, better manager terms and first look at mispriced assets. In tight credit cycles, that edge compounds.
Implementation reality. The hardest work is data plumbing and governance. Start with a 90-day sprint: unify data, define three non-negotiable policies (LVR/ICR, rebalancing bands, fee caps), run one adverse scenario, and pre-authorise responses.
Technology tailwinds. Expect more AI-assisted anomaly detection (e.g., spotting lease default risk), scenario engines embedded in portfolio systems, and richer CDR data coverage. Fintech tools won’t replace judgement; they compress time-to-insight.
Future outlook. As advice margins compress and regulation intensifies, review quality will become a differentiator. Boards should ask: is our review cadence fast enough, our risk budget explicit enough, and our execution muscle strong enough to act when triggers fire?
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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) "2025-09-09 23:00:18" ["slug"]=> string(95) "18851:from-check-up-to-edge-a-portfolio-review-case-study-that-turned-volatility-into-advantage" ["event"]=> object(stdClass)#9017 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "- Yes
With rates rising more than 400 basis points in 18 months and asset correlations behaving badly, periodic portfolio reviews have moved from hygiene to edge. This case study shows how a disciplined review program cut risk, freed up cash flow and boosted returns for a mid-sized Australian investor. The playbook blends hard-nosed governance, modern analytics and pragmatic execution—useful for boards, CIOs and founders managing multi-asset or property‑heavy portfolios.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(123) "/invest-money/investment-insights/from-check-up-to-edge-a-portfolio-review-case-study-that-turned-volatility-into-advantage" ["image"]=> string(116) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1757454345/pexels-cottonbro-6535346_p1iviu.jpg" ["image_alt"]=> string(90) "From check-up to edge: a portfolio review case study that turned volatility into advantage" } [3]=> object(stdClass)#8520 (57) { ["id"]=> int(18844) ["title"]=> string(101) "Policy risk meets cost shock: Why investors are exiting housing — and what business can do about it" ["alias"]=> string(96) "policy-risk-meets-cost-shock-why-investors-are-exiting-housing-and-what-business-can-do-about-it" ["introtext"]=> string(542) "A sudden jump in holding costs and a rising ‘policy risk premium’ are pushing Australian property investors to sell, thinning rental supply and pushing rents higher. Industry surveys point to fear of future tax changes compounding rate stress — a dangerous loop for households, developers and governments. This explainer maps the mechanics of the investor retreat, global parallels, and playbooks for leaders across banking, real estate, and policy. The message: de-risk now or be priced by volatility later.
" ["fulltext"]=> string(9010) "What it is
Australia’s private rental market relies heavily on mum-and-dad investors. That system is creaking. A combination of higher mortgage rates, increased land taxes and levies in key states, rising insurance and maintenance costs, and uncertainty around future tax settings (negative gearing and capital gains tax treatment) has shifted the risk–return equation. Industry surveys referenced by the Property Investment Professionals of Australia (PIPA) in 2024 point to a marked lift in investors selling down, with properties frequently transferring to owner-occupiers. The result: fewer rental dwellings, tighter vacancy, and rent inflation that flows directly into CPI.
Why now
This is a cost shock amplified by policy uncertainty. The Reserve Bank’s cash rate rose from 0.10% to 4.35% between 2022 and late 2023, lifting typical investor mortgage rates into the 6–7% range. At the same time, several states adjusted land tax thresholds, rates or surcharges, while signalling further reforms to renting rules and short-stay regulation. Even where federal tax reform is not imminent, the persistent public debate has created a “policy risk premium” that investors are now pricing into decisions.
Macro conditions magnify the squeeze. Vacancy rates have hovered near historic lows (around 1–1.2% nationally on industry measures such as SQM Research), while annual rent growth has been running at high single digits according to CoreLogic. Net overseas migration rebounded strongly post-pandemic, but dwelling approvals and completions have lagged due to labour, material and financing constraints. In short: demand recovered faster than supply; higher funding costs and regulatory noise pushed marginal landlords to the exits at the worst possible time.
How it works (the mechanics)
For a leveraged investor, the holding-cost stack is decisive. Consider an illustrative example: a $600,000 interest-only loan at 6.3% implies ~$37,800 in annual interest. A property renting at $600 per week generates ~$31,200 gross rent. Before rates, insurance, strata, maintenance and land tax, the investor is already cashflow negative. Add $6,000–$10,000 in non-interest outgoings and the gap widens. If the landlord expects potential curbs to interest deductibility or a less favourable CGT regime in the future, the rational choice for many is to sell into an owner-occupier market that continues to show resilient prices.
This “sell-to-OO” pathway stabilises headline dwelling prices but reduces rental stock. The immediate consequence is lower vacancy, steeper rent increases, and higher measured inflation, which can prolong restrictive monetary policy. That feedback loop raises funding costs for developers, suppresses new supply further, and keeps pressure on rents — a classic supply elasticity problem.
Who it affects
- Banks and non-banks: Higher investor churn, refinancing risk, and arrears variability in the investor segment. Portfolio concentration to high land-tax jurisdictions becomes a risk factor. Credit models should incorporate policy scenarios as explicit variables.
- Developers and builders: Pre-sales are harder to secure when investors retreat; feasibility is challenged by higher interest cover and contingencies. Build-to-rent (BTR) emerges as a counter-cyclical outlet, but relies on planning certainty and tax clarity.
- Landlords and funds: Risk-adjusted returns deteriorate for highly leveraged, yield-focused strategies. Lower-LVR investors and institutions with cheaper capital can consolidate.
- Tenants and employers: Tight rental markets increase wage pressure and reduce labour mobility, raising operating costs and complicating talent attraction.
- Governments: Shrinking rental stock collides with population growth, turning housing into a macroeconomic and productivity constraint.
Market context and global parallels
Australia is not alone. The UK’s Section 24 changes (phasing out interest deductibility for individual landlords) and a stamp duty surcharge contributed to a multi-year landlord exit and reduced rental choice. New Zealand curtailed interest deductibility in 2021, then moved to partially reinstate it in 2024 after rental pressures intensified. In both cases, policy uncertainty and cost burdens shifted supply dynamics. The lesson: sudden tax reversals and fragmented rental regimes depress private rental investment unless offset by strong institutional participation or targeted incentives.
Business impact and competitive advantage
For financial institutions, this is a credit and growth calibration story. The investor share of new lending in Australia typically cycles in the low- to mid-30% range; a structural downshift would reweight portfolios toward owner-occupiers and construction finance. Early movers can gain share by offering policy-aware loan products (e.g., buffers calibrated to state land tax, dynamic offset strategies) and analytics that help landlords model post-tax cashflows under multiple scenarios.
Developers that pivot to BTR or mixed-tenure projects with institutional capital can de-risk sales cycles. Global investors with lower cost of capital can assemble scale portfolios if states standardise planning and offer consistent tax settings (for example, clear land tax treatment, MIT withholding certainty, and fast-tracked approvals). Property managers that professionalise operations — using data to minimise vacancy and maintenance cost volatility — will outcompete in a low-margin environment.
Implementation reality: playbooks that work
- Scenario modelling as discipline: Treat policy change like interest-rate risk. Run cashflow and valuation scenarios across four vectors: rates (+/−100–150 bps), land tax shifts, rent growth deceleration, and potential tax reform. Embed these into loan covenants and investment committee templates.
- Rebalance leverage and term: Consider partial deusing, split loans, and laddered fixed terms to reduce sensitivity. Negotiate construction finance with interest reserves sized for elongated approvals and pre-lease risk.
- Portfolio tilt: Diversify across states with stable tax regimes and into asset classes less exposed to land tax escalators. For housing, favour resilient micro-markets near employment hubs where rent-to-income ratios are still tenable.
- BTR execution: Partner with super funds or global RE managers; secure planning certainty and operating scale (onsite management, tech-enabled leasing). Model yields against stabilised vacancy, not peak conditions.
- Data-led pricing: Use granular rental data (CoreLogic, SQM Research) to set rents and renewal strategies that balance occupancy with yield, reducing turnover costs.
Policy options and industry perspectives
Industry bodies like PIPA and the Real Estate Institute have argued that stable tax settings and streamlined planning are prerequisites for private capital to supply rentals at meaningful scale. Analysts frequently point out that piecemeal changes — for example, abrupt land tax adjustments or ad hoc short-stay levies — heighten uncertainty without unlocking new supply. International evidence suggests that well-signalled, multi-year tax pathways and coordinated planning reform (higher-density around transport nodes, faster approvals) are more effective at crowding-in investment than short-term subsidies.
On the demand side, some agents report a silver lining: fewer investor bidders can open doors for first-home buyers. That’s socially valuable, but without a corresponding increase in total dwellings, the rental pool shrinks. Over the medium term, only more supply — through private rental, BTR and social/affordable housing — resolves the tension.
What’s next
Expect a bifurcated market. Highly leveraged small landlords will continue to exit where cashflows are negative and policy signals are noisy. Institutions and low-LVR investors with professional management will consolidate, particularly in markets offering clear tax treatment and planning certainty. If rents remain a key driver of inflation, the RBA’s path to easing stays slower, reinforcing the cost shock cycle.
For business leaders, the path forward is pragmatic: model policy risk explicitly, optimise capital structure for volatility, and align with jurisdictions that reward long-duration rental investment. For policymakers, the trade-off is clear: clarity over ideology. Stable, predictable settings lower the risk premium — and with it, the rent.
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A sudden jump in holding costs and a rising ‘policy risk premium’ are pushing Australian property investors to sell, thinning rental supply and pushing rents higher. Industry surveys point to fear of future tax changes compounding rate stress — a dangerous loop for households, developers and governments. This explainer maps the mechanics of the investor retreat, global parallels, and playbooks for leaders across banking, real estate, and policy. The message: de-risk now or be priced by volatility later.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(130) "/invest-money/investment-insights/policy-risk-meets-cost-shock-why-investors-are-exiting-housing-and-what-business-can-do-about-it" ["image"]=> string(121) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1757453348/pexels-shkrabaanthony-5583980_sz2lqs.jpg" ["image_alt"]=> string(101) "Policy risk meets cost shock: Why investors are exiting housing — and what business can do about it" } [4]=> object(stdClass)#8519 (57) { ["id"]=> int(18821) ["title"]=> string(88) "Australia's investor shuffle as policy risks and rising yields squeeze the rental market" ["alias"]=> string(100) "australias-investor-exodus-policy-risk-rising-yields-and-the-rental-squeeze-what-boards-need-to-know" ["introtext"]=> string(539) "A quiet but consequential shift is underway: more property investors are exiting, citing higher holding costs and fear of future tax changes. That retreat risks worsening the rental shortfall just as borrowing costs and bond yields reset valuations. This Q&A unpacks the drivers, the second-order business impacts, and where competitive advantage is emerging. The conclusions extend beyond housing: they touch capital allocation, policy risk, and the reshaping of Australia’s residential market structure.
" ["fulltext"]=> string(7725) "Q1: What is actually driving the current investor sell-off?
Three forces are compounding. First, policy risk: debate over negative gearing, capital gains concessions and state land tax regimes has raised uncertainty premiums. The Property Investment Professionals of Australia (PIPA) reports a net exit of more than 7,000 investors in 2022–23, the steepest decline in 25 years outside the GFC and COVID-19 periods. Their survey attributes the shift primarily to rising holding and compliance costs (44.1% of respondents) and higher land taxes and charges (35.4%), with fear of further reforms a material contributor. Second, cost inflation: insurance, strata levies, maintenance and compliance with new minimum rental standards are all climbing, squeezing net yields. Third, global rates: higher bond yields reset discount rates for real assets, pushing many leveraged investors to de-risk. As one industry leader, PIPA’s chair Lachlan Vidler, characterised it, this looks like a “structural shift” rather than a temporary wobble.
Q2: How do rates and bond yields translate into lower investor appetite and different valuations?
Think in cap-rate mechanics. When the risk-free rate rises, required returns increase across the board. If rent growth cannot keep pace, capital values must adjust or leverage must fall. For a landlord carrying 60–70% debt, every 100 bps increase in interest cost can wipe out most of the free cash flow on a median investment property unless rents reset materially. On the equity side, the equity risk premium investors demand over bonds has widened; that elevates target internal rates of return and disfavors long-duration cashflows typical in residential. In short: higher financing costs, higher discount rates, and tighter regulatory standards combine to compress free cashflow and lift required yields, making hold/sell math point to “sell” for marginal owners.
Q3: What’s the business impact beyond individual landlords?
- Developers: Pre-sales are harder when investor demand thins. Project feasibility now hinges on deeper equity, mezzanine capital, or institutional forward-funding (e.g., build-to-rent). Construction timelines stretch as risk pricing rises. Australia’s construction market is still large — valued at US$318.03 billion in 2024 and projected to grow to US$435.78 billion by 2034 at 3.2% CAGR — but financing is the chokepoint, not demand for end-product.
- Lenders: Higher arrears risks in investor-heavy portfolios and tighter serviceability buffers. Non-banks see opportunity in bespoke loans but face higher funding costs.
- Corporate tenants and SMEs: Tight rental supply pushes residential rents up, which can translate into wage pressure and competition for labour in rental-dependent workforces. Staff relocation becomes harder; some firms respond with housing stipends or regional hiring.
- Proptech and trades: Turnover in housing stock drives transaction-linked revenues, but fewer small landlords can mean slower demand for fragmented maintenance — and a tilt toward institutional service contracts.
Q4: If investors leave, who steps in — and where is the edge?
Institutional capital is the obvious contender. Build-to-rent (BTR) has regulatory momentum: federal changes have improved depreciation (e.g., higher capital works rates) and made managed investment trust settings more attractive, while several states offer land tax concessions for qualifying BTR. Scale operators can absorb compliance costs, deploy professional asset management, and negotiate building and energy efficiencies. Non-bank lenders can win by underwriting complex, mid-market projects with creative capital stacks. Co-living and key-worker housing operators also benefit as affordability gaps widen. For developers, partnering with super funds or global RE investors to convert build-to-sell projects into BTR can salvage feasibilities and de-risk sales. Early movers secure scarce sites, planning pathways, and construction capacity at better terms.
Q5: Are prices set to fall if investors retreat — and what happens to rents?
Not necessarily on prices. Australia’s structure matters: population growth remains strong and housing supply is constrained by planning, labour and materials. Several bank and independent economists have argued that, despite reduced investor participation, limited new supply can keep prices resilient — a dynamic seen in prior cycles. The rental market is the pressure valve. With vacancy rates near multi-year lows in many capitals, fewer investor-owned properties can translate into faster rent growth and longer letting queues. That interacts with inflation and wage dynamics, affecting employers and household consumption. The paradox: policy aimed at affordability by curbing investor benefits can, in the short run, reduce rental supply and lift rents.
Q6: What should boards and executives do now? (Implementation reality)
- Scenario the policy curve: Model three paths — status quo, phased reform (e.g., capped deductions, tighter land tax), and shock (sudden changes). Link each to cap rates, WACC, LVRs, and covenant headroom. Adjust hurdle rates accordingly.
- Re-optimise capital stacks: Blend senior bank debt with mezzanine, pref equity, or forward-funding from institutions. Lock in rate hedges where feasible; design debt maturities to avoid 2026–27 cliffs.
- Pivot product: Where feasible, convert at-risk build-to-sell pipelines to BTR or mixed-tenure (BTR plus affordable quotas) to tap concessional tax and institutional demand.
- Get compliance-ready: Map minimum rental standards, energy performance, and safety obligations by state. Budget multi-year capex to lift Net Lettable Area efficiency and reduce opex via electrification and building analytics.
- Data advantage: Use granular rent, vacancy and migration data to pick submarkets with durable demand and low policy risk. Automate landlord communications to reduce churn and improve renewal rates.
Q7: What policy moves could stabilise the market — and what are the global lessons?
Policy certainty is the cheapest stabiliser. A 10-year roadmap clarifying the future of negative gearing and CGT discounts would lower risk premiums. States could replace blunt land tax hikes with broadened bases and predictable indexation. Fast-tracking approvals, unlocking public land for housing, and deepening BTR incentives can bring institutional supply. Internationally, the UK’s mortgage interest relief changes (and the unintended landlord exit) and New Zealand’s interest deductibility rules show that abrupt shifts trigger investor flight; Ireland’s rent controls highlight how caps without supply measures can shrink rental stock. The common thread: reforms work when phased, predictable, and paired with supply acceleration.
Outlook (12–24 months): Base case, upside, downside
- Base case: Investor participation remains subdued; rents outpace wages in tight submarkets; institutional BTR steadily scales; prices grind sideways to modestly higher in supply-constrained cities.
- Upside: Policy clarity plus lower global yields brings cap-rate compression; developers refinance at improved terms; private investors stabilise holdings.
- Downside: Fresh tax shocks or another bond sell-off force further deusing; development starts fall; rental stress intensifies and spills into labour markets.
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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) "2025-09-08 23:00:49" ["slug"]=> string(106) "18821:australias-investor-exodus-policy-risk-rising-yields-and-the-rental-squeeze-what-boards-need-to-know" ["event"]=> object(stdClass)#9039 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "- Yes
A quiet but consequential shift is underway: more property investors are exiting, citing higher holding costs and fear of future tax changes. That retreat risks worsening the rental shortfall just as borrowing costs and bond yields reset valuations. This Q&A unpacks the drivers, the second-order business impacts, and where competitive advantage is emerging. The conclusions extend beyond housing: they touch capital allocation, policy risk, and the reshaping of Australia’s residential market structure.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(134) "/invest-money/investment-insights/australias-investor-exodus-policy-risk-rising-yields-and-the-rental-squeeze-what-boards-need-to-know" ["image"]=> string(114) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1757359342/pexels-shvetsa-3727468_zdaruj.jpg" ["image_alt"]=> string(88) "Australia's investor shuffle as policy risks and rising yields squeeze the rental market" } [5]=> object(stdClass)#8518 (57) { ["id"]=> int(18835) ["title"]=> string(93) "State Street Markets report highlights resilient investor sentiment amid shifting allocations" ["alias"]=> string(93) "state-street-markets-report-highlights-resilient-investor-sentiment-amid-shifting-allocations" ["introtext"]=> string(442) "In a climate of evolving global financial landscapes, State Street Markets has released its latest institutional investor indicators, revealing a sustained positive sentiment across the investment spectrum through August. The State Street Risk Appetite Index maintained its position in positive territory, marking the fourth consecutive month of upbeat investor sentiment, despite potential headline risks that loomed over the month.
" ["fulltext"]=> string(2913) "Timothy Graf, Head of EMEA Macro Strategy at State Street Markets, elaborated on the findings, stating, “Despite rising challenges to US central bank independence and a renewed focus on sovereign fiscal policies, our broad measures of risk appetite continued to show resilience and positivity through August. Equity markets made new all-time highs just before month end and volatility measures continue to drift lower.”
The report highlighted that while there was a slight dip in long-term investor allocations to equities from the post-global financial crisis highs earlier in the year, these adjustments were minor and did not significantly alter the broader risk-taking behaviour. Graf noted, “Investors have a solid Q2 earnings season, especially from the all-important tech sector, and a modest, dovish pivot in Fed communications to thank for these positive catalysts. Within the month, the weight to equities, the riskiest class of assets, did drop a touch in favour of cash and bonds. However, this shift is a modest adjustment to what is still a large overweight and not enough to derail the risk-seeking message across the broader suite of institutional flow indicators.”
Delving deeper into the specifics, the report pointed out that USD selling remains a prominent feature of the flows, although USD holdings now exhibit a significant underweight that investors should consider in the coming months. Graf explained, “Digging deeper, USD selling remains a risk-positive mainstay of our flows but USD holdings do now show a pronounced underweight worth bearing in mind in the coming months.”
The report also noted a notable trend towards riskier commodity currencies and a growing interest in emerging market equities, particularly in Asia. “In equity markets, the US remains the largest country-level overweight by some distance, but August saw a continued uptick in interest in riskier emerging market shares and a slight paring of the US overweight. Flows into Chinese equities were particularly strong and continue a pattern of greater interest in Asia this month, as well as in emerging market versus developed market equities more broadly,” Graf added.
Despite these shifts, the demand for US Treasuries remained lukewarm, as did the overall appetite for duration, suggesting a cautious approach to longer-term investments. Graf concluded, “Finally, demand for US Treasuries remains tepid, as does the overall appetite for duration.”
These insights from State Street Markets offer a comprehensive view of the current investment climate, highlighting a cautious yet optimistic approach among institutional investors. The continued positive sentiment, coupled with strategic adjustments in asset allocations, underscores the dynamic nature of global financial markets as they navigate through geopolitical and economic challenges.
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In a climate of evolving global financial landscapes, State Street Markets has released its latest institutional investor indicators, revealing a sustained positive sentiment across the investment spectrum through August. The State Street Risk Appetite Index maintained its position in positive territory, marking the fourth consecutive month of upbeat investor sentiment, despite potential headline risks that loomed over the month.
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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)#9086 (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)#8734 (3) { ["data":protected]=> object(stdClass)#8742 (1) { ["options"]=> object(stdClass)#8740 (2) { ["options0"]=> object(stdClass)#8739 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8741 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8736 (3) { ["data":protected]=> object(stdClass)#8744 (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)#8982 (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)#8738 (3) { ["data":protected]=> object(stdClass)#8746 (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)#8743 (3) { ["data":protected]=> object(stdClass)#8748 (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)#9085 (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)#8745 (3) { ["data":protected]=> object(stdClass)#8750 (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)#8747 (3) { ["data":protected]=> object(stdClass)#8752 (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(127) "/invest-money/investment-insights/state-street-markets-report-highlights-resilient-investor-sentiment-amid-shifting-allocations" ["image"]=> string(117) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1757356917/pexels-rickyrecap-1666667_o3ztan.jpg" ["image_alt"]=> string(93) "State Street Markets report highlights resilient investor sentiment amid shifting allocations" } }Subscribe to our newletters
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