Regime first
Start with the economic and liquidity environment, then evaluate which assets are being rewarded or punished.
Independent macro research
Map the regime. Record what would change it.
A practical research journal for investors navigating growth, inflation, liquidity, geopolitical risk, real assets, and durable portfolio income.
Last reviewed · 8 September 2026
Decision sequence
More information is not the goal. Clear change conditions are.
Evidence over certainty
Write down the indicators, counter-signals, and conditions that would change the working view.
Income with resilience
Treat income as one portfolio objective among several, never as a substitute for risk analysis.
Latest research
This month's decision record.
01
·9 min read
JEPI vs JEPQ: compare the funds, not just the yield
Compare JEPI and JEPQ by equity exposure, option income, fees and risk, then see what changes for Australian JEPI and JPEQ investors.
02
·13 min read
Why older Australians expect to delay retirement in 2026
What a 2026 survey says about delayed retirement intentions, how ABS retirement ages differ, and a worksheet for testing a household funding gap.
03
·12 min read
Term deposit or share ETF? Match the money to its date
Compare a fixed-date Australian term deposit with a diversified share ETF using the payment date, shortfall risk, access terms, tax timing and a worked A$30,000 example.
Every view should reveal its evidence, its uncertainty, and the conditions that would change it.
The standard