--- title: Lantern Advisory --- - [**linkedin](https://www.linkedin.com/company/lantern-advisory/) - ** Level 3, 345 Ann Street, Brisbane QLD 4000 - ** [(07) 3002 2690 ](tel:(07)%203002%202690) - ** [info@lanternadvisory.com.au](mailto:info@lanternadvisory.com.au) # INSIGHTS ## PLANNING | WEALTH | INSURANCE   ## [Living in Uncertain Times](https://blog.lanternadvisory.com.au/living-in-uncertain-times) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 01-Apr-2026 09:17:08 [![](https://blog.lanternadvisory.com.au/hubfs/LA%20-%20Uncertain%20times.png) ](https://blog.lanternadvisory.com.au/living-in-uncertain-times) In times of economic uncertainty, managing your living expenses can be challenging. However, with some careful planning and smart decisions, you can navigate these tough times more comfortably. Here are some practical steps you can take to manage your living expenses effectively. [Read More](https://blog.lanternadvisory.com.au/living-in-uncertain-times) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/living-in-uncertain-times#comments-listing) ## [Considerations throughout the Pre-Retirement Timeframe](https://blog.lanternadvisory.com.au/considerations-throughout-the-pre-retirement-timeframe) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 01-Apr-2026 09:12:26 [![](https://blog.lanternadvisory.com.au/hubfs/LA%20-%20Retirement.png) ](https://blog.lanternadvisory.com.au/considerations-throughout-the-pre-retirement-timeframe) So, you are planning to retire? [Read More](https://blog.lanternadvisory.com.au/considerations-throughout-the-pre-retirement-timeframe) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/considerations-throughout-the-pre-retirement-timeframe#comments-listing) ## [Separating the Wheat from the Chaff](https://blog.lanternadvisory.com.au/separating-the-wheat-from-the-chaff) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 29-Aug-2025 09:59:56 [![](https://blog.lanternadvisory.com.au/hubfs/LA%20-%20Blog%20%20-%20Separating%20the%20Wheat%20from%20the%20Chaff%20(400%20x%20200%20px).png) ](https://blog.lanternadvisory.com.au/separating-the-wheat-from-the-chaff)   [Read More](https://blog.lanternadvisory.com.au/separating-the-wheat-from-the-chaff) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/separating-the-wheat-from-the-chaff#comments-listing) ## [Global Economics update: Impact of tariffs on US shares](https://blog.lanternadvisory.com.au/global-economics-update-impact-of-tariffs-on-us-shares) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 04-Apr-2025 15:29:43 [![](https://blog.lanternadvisory.com.au/hubfs/LA%20-%20Blog%20How%20tariffs%20are%20forecast%20to%20affect%20the%20US%20(400%20x%20200%20px).png) ](https://blog.lanternadvisory.com.au/global-economics-update-impact-of-tariffs-on-us-shares) Financial markets have notably been volatile since Trump’s inauguration on 20th January and has recently spiked following tariff announcements made yesterday. This is an update on the impact of these tariffs on U.S. equities and some context on the global economy. [Read More](https://blog.lanternadvisory.com.au/global-economics-update-impact-of-tariffs-on-us-shares) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/global-economics-update-impact-of-tariffs-on-us-shares#comments-listing) Topics: [market update](https://blog.lanternadvisory.com.au/topic/market-update) ## [Superannuation Update: A Timely Check-in](https://blog.lanternadvisory.com.au/navigating-the-complex-world-of-superannuation) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 29-Nov-2024 16:18:01 [![](https://blog.lanternadvisory.com.au/hubfs/LA%20-%20Blog%20Navigating%20Super%20(400%20x%20200%20px).png) ](https://blog.lanternadvisory.com.au/navigating-the-complex-world-of-superannuation) Superannuation is big business as you may well know, with mandatory contributions at a current rate of 11.5% and many doing more via salary sacrifice, that can be tax effective. The industry is now worth over $3tn (fourth largest superannuation industry globally) and is expected to continue to grow exponentially. [Read More](https://blog.lanternadvisory.com.au/navigating-the-complex-world-of-superannuation) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/navigating-the-complex-world-of-superannuation#comments-listing) Topics: [superannuation](https://blog.lanternadvisory.com.au/topic/superannuation), [SMSF](https://blog.lanternadvisory.com.au/topic/smsf), [Self Managed Superannuation Funds](https://blog.lanternadvisory.com.au/topic/self-managed-superannuation-funds), [SMSF management](https://blog.lanternadvisory.com.au/topic/smsf-management) ## [Key Investment Themes to Consider in 2024](https://blog.lanternadvisory.com.au/key-investment-themes-to-consider-in-2024) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 22-Aug-2024 15:20:51 [![](https://blog.lanternadvisory.com.au/hubfs/LA%20-%20Blog%20Key%20Investment%20Themes%20(400%20x%20200%20px).png) ](https://blog.lanternadvisory.com.au/key-investment-themes-to-consider-in-2024) As advisers we often field a range of queries from our valued clients, so we thought to summarise a few of them for your interest that hopefully adds some value. [Read More](https://blog.lanternadvisory.com.au/key-investment-themes-to-consider-in-2024) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/key-investment-themes-to-consider-in-2024#comments-listing) Topics: [investment strategies](https://blog.lanternadvisory.com.au/topic/investment-strategies), [diversified portfolio](https://blog.lanternadvisory.com.au/topic/diversified-portfolio) ## [Defensives: Why Fixed Interest Should Be Back on Your Radar](https://blog.lanternadvisory.com.au/defensives-why-fixed-interest-should-be-back-on-your-radar) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 19-Jun-2024 12:16:49 [![](https://blog.lanternadvisory.com.au/hubfs/LA%20-%20Blog%20Defensives%20update%20(400%20x%20200%20px).png) ](https://blog.lanternadvisory.com.au/defensives-why-fixed-interest-should-be-back-on-your-radar) Interest rates have increased over 4% in the past couple of years following the dramatic inflation spike in the US on 15 June 2022 (9.1%), causing cash flow pain and much uncertainty in certain areas of the market and economy affecting individuals, households and small business. However, a certain asset class has returned to significance and relevance, that is fixed interest. Fixed interest is around 10 times the size of the equity market so is meaningful, although widely misunderstood. [Read More](https://blog.lanternadvisory.com.au/defensives-why-fixed-interest-should-be-back-on-your-radar) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/defensives-why-fixed-interest-should-be-back-on-your-radar#comments-listing) Topics: [market update](https://blog.lanternadvisory.com.au/topic/market-update), [investment strategies](https://blog.lanternadvisory.com.au/topic/investment-strategies), [diversified portfolio](https://blog.lanternadvisory.com.au/topic/diversified-portfolio) ## [Time to Diversify? US Equities & Fixed Income Shine as Asian Market Slows](https://blog.lanternadvisory.com.au/us-equities-fixed-income-shine-as-asian-market-slows) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 07-Feb-2024 14:50:24 [![](https://blog.lanternadvisory.com.au/hubfs/Untitled%20(400%20x%20200%20px).png) ](https://blog.lanternadvisory.com.au/us-equities-fixed-income-shine-as-asian-market-slows) | Asian markets from an investor’s view point have been rather underwhelming these last few years, with sentiment towards China (being 43% of the MSCI Emerging Markets Index) remaining disappointing despite relatively positive industrial production and retail sales data. The ongoing weakness in their outsized property market, a soft consumption-led recovery and geopolitics in Taiwan and the US have all weighed on sentiment. Chinese policy makers and their central bank have often cited their willingness to stabilise the economy and promote their economic strength however their measures to achieve sustainable growth has not eventuated to a level or pathway required at this point in time.  | | --- | [Read More](https://blog.lanternadvisory.com.au/us-equities-fixed-income-shine-as-asian-market-slows) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/us-equities-fixed-income-shine-as-asian-market-slows#comments-listing) Topics: [investment portfolio](https://blog.lanternadvisory.com.au/topic/investment-portfolio), [financial planning](https://blog.lanternadvisory.com.au/topic/financial-planning), [international investing](https://blog.lanternadvisory.com.au/topic/international-investing) ## [Developing a Safe Retirement Withdrawal Rate](https://blog.lanternadvisory.com.au/developing-a-safe-retirement-withdrawal-rate) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 17-Aug-2023 12:26:12 [![](https://blog.lanternadvisory.com.au/hubfs/Lantern%20Advisory%20-%20JuneJuly%202022.jpg) ](https://blog.lanternadvisory.com.au/developing-a-safe-retirement-withdrawal-rate) Retirement planning is an investment advisers so called “bread and butter”, with resources, research and technology available to help manage a client’s retirement journey. Retirement advice and an acceptable drawdown rate has become a more topical discussion point where more Australian retire without advice, and in a shrinking pool of advisers locally. Unexpected events have wreaked havoc on individuals and families, such as flood, covid and an inflationary event in Europe all affecting asset values, performance, income and diverging risks sped up by ever-changing technology and the looming need for better security. According to the Australian Bureau of Statistics (ABS, 2020), 16% of Australia’s population are retirees or 4.2 million (as at 30/6/20) whose average retirement age is 55, equal to superannuation preservation age that is increasing depending on your date of birth, to age 60. In terms of longevity, females live to 85 on average and 81 for males. So, this means your retirement savings may need to last from 20 to 30 years time. [Read More](https://blog.lanternadvisory.com.au/developing-a-safe-retirement-withdrawal-rate) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/developing-a-safe-retirement-withdrawal-rate#comments-listing) ## [Federal Budget 2023/24 - Key Highlights & What You Need to Know](https://blog.lanternadvisory.com.au/federal-budget-2022/23-summary-what-you-need-to-know-0) Posted by [James Cavanough](https://blog.lanternadvisory.com.au/author/james-cavanough) on 11-May-2023 14:00:00 [![](https://blog.lanternadvisory.com.au/hubfs/Lantern%20Advisory%20%20Federal%20Budget%20202122-png.png) ](https://blog.lanternadvisory.com.au/federal-budget-2022/23-summary-what-you-need-to-know-0) On the evening of 9 May 2023, the Government delivered its second Budget in the current parliamentary term. [Read More](https://blog.lanternadvisory.com.au/federal-budget-2022/23-summary-what-you-need-to-know-0) 0 Comments [Click here to read/write comments](https://blog.lanternadvisory.com.au/federal-budget-2022/23-summary-what-you-need-to-know-0#comments-listing) Topics: [superannuation](https://blog.lanternadvisory.com.au/topic/superannuation), [budget](https://blog.lanternadvisory.com.au/topic/budget) [All posts](https://blog.lanternadvisory.com.au/all) [Next](https://blog.lanternadvisory.com.au/page/2) ### Subscribe to Email Updates ### Recent Posts ### Posts by Topic - [wealth management (14)](https://blog.lanternadvisory.com.au/topic/wealth-management) - [financial plan (13)](https://blog.lanternadvisory.com.au/topic/financial-plan) - [superannuation (13)](https://blog.lanternadvisory.com.au/topic/superannuation) - [insurance (8)](https://blog.lanternadvisory.com.au/topic/insurance) - [market update (7)](https://blog.lanternadvisory.com.au/topic/market-update) - [budget (6)](https://blog.lanternadvisory.com.au/topic/budget) - 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