Are Rising Bond Yields and Higher Interest Rates Changing Where You Should Invest?
Financial AutonomyShow Notes
If you have been waiting for mortgage rates to fall, wondering whether property prices can keep climbing or questioning whether shares still offer enough reward for the risk, there is one market worth watching.
And it is probably not the one you think.
While most investors are focused on the sharemarket, sharp moves in the bond market are changing the price of money around the world. What happens next could flow through to your mortgage, your super, your investments and even what governments can afford to spend.
For years, ultra-low interest rates made the investment choice feel relatively simple. If you wanted a decent return, you had to accept more risk. Now that assumption is being tested, and the investments that made sense when money was cheap may need to work much harder to earn their place.
In this episode, Paul looks beyond the headlines to unpack the signal coming from the bond market and why it matters to anyone building or protecting wealth.
Are today's higher rates a temporary interruption, or are we entering a very different investment era? And if the rules of the game are changing, what should investors be paying attention to now?
Inside this episode:
The overlooked market movement that could affect how far mortgage rates fall
Why shares and property may now have a much higher bar to clear
The global squeeze that could keep the cost of money elevated
Why a painful market sell-off may also be creating new possibilities
The question that could change how you think about risk, return and where your money belongs
FOR PERSONALISED INVESTMENT ADVICE: Book an initial meeting with Guidance Financial Services. You can also find all our links here.
General advice disclaimer
More from Financial Autonomy
UPDATED: This episode was originally published with the wrong episode audio; it has been republished with the correct audio. Thanks for your patience!
You've worked hard, built up your savings and investments, and spent years making sensible financial decisions. But when was the last time you gave yourself permission to actually enjoy the money you've earned? It's easy to tell yourself you'll take that big holiday, make that purchase or finally start doing the things you've dreamed about once you retire. But what if waiting comes at a cost you haven't considered? In this episode, financial adviser Paul Benson explores one of the trickiest decisions when it comes to building wealth: how much should you put towards your future, and how much should you enjoy today? Through real client conversations and a spending dilemma of his own, Paul challenges the idea that the financially smartest decision is always the best one. And why getting the balance wrong could leave you with regrets that money can't fix. Inside this episode: Why being disciplined with money can sometimes work against you
You're earning good money, paying down your mortgage and doing all the right things. But are you missing an opportunity to build wealth along the way?
You've spent decades building your super and retirement is finally within reach. But what if the sharemarket crashes just as you're preparing to stop work? Could you still retire as planned? Would you need to scale back your lifestyle? And could a few bad years in the market affect how long your money lasts? In this episode, Paul Benson explores a retirement risk many people overlook. He reveals why two people with identical savings and investment returns could end up with vastly different outcomes, and what you can do to prepare. Inside this episode: Why the timing of a market downturn matters more as retirement approaches
You want to retire while you're young enough to enjoy it, with enough money to say yes to the trips, the experiences and more time with the people you love. But how do you feel confident spending your savings when you don't know how long they need to last?