Malhi Private Wealth

14/10/2026

Rates are at a 15-year high, and it’s hitting savers and borrowers differently.

Term deposits are paying around 5.30% to 5.35%, which is great for retirees. But cash isn’t a whole retirement plan.

For borrowers, I recently saw a refinance that cut the rate but reset the loan to a fresh 30 years instead of the 24 left. That quietly adds around $224,000 of interest on $750,000. The fix was an offset account that kept the original payoff timeline.

The rate is only half the story. This month’s article covers both.

Read it below:

Last week a couple came to see us with good news. Their bank had just offered them a lower repayment, and they were relieved. Then, in the same breath, a retired client mentioned that her term deposit was finally paying a rate she hadn't seen in years. Two conversations, one cause: interest rates. B...

03/09/2026

In this update we provide an overview of the recent sell-off in global bond markets and what it means for the way we position client portfolios, particularly for those drawing an income in retirement.

In this update we provide an overview of the recent sell-off in global bond markets and what it means for the way we position client portfolios, particularly for those drawing an income in retirement.

03/08/2026

The new financial year quietly brought in a handful of superannuation changes that are worth understanding, especially if you're within a few years of retirement or already there. Some of them open up genuine opportunities to get more into super before you stop work. One or two are worth a closer look if you have a larger balance. None of them need to keep you up at night, but a quick review of your strategy this year could make a real difference. Here's a plain-English rundown of what changed on 1 July 2026 and what it might mean for you.

The new financial year quietly brought in a handful of superannuation changes that are worth understanding, especially if you're within a few years of retirement or already there. Some of them open up genuine opportunities to get more into super before you stop work. One or two are worth a closer lo...

01/07/2026

"James materialised my dream." 💙 Two of my clients are retiring this year, and I've shared their stories. No jargon, no numbers, just what it really takes to feel secure when you finish work. Have a read 👇
https://www.malhiprivatewealth.com/articles/he-materialised-my-dream-two-brisbane-retirement-stories .

"He materialised my dream." Two Brisbane retirements, and what they can teach you. Most people don't come to a financial adviser because they love spreadsheets. They come because a quiet question has started keeping them up at night: When I finish work, will I actually be okay? I want to share two a...

04/06/2026

Elon Musk’s float reminds us that every passive investor and super fund member is now endangered by a sector whose economics are still built largely on hope.

Read the column: https://ebx.sh/OE5Xp5

04/06/2026

Thematic ETFs are booming - but the most exciting funds are often the thinnest, and that's exactly where careless buyers lose 10% the moment they hit "Buy." A plain-English look at spreads, last-price illusions, and how to trade them properly.
A short lesson in not handing strangers your money at the open.
Open your trading app one morning and you might see something that looks like good news: an ETF you own - or were thinking of buying - is suddenly "up 9%." A big green number. Before you celebrate, or worse, rush to buy, it's worth understanding what you're actually looking at. Because nine times out of ten, that ETF hasn't moved at all. What you're seeing is a quirk of how prices are displayed, and behind it sits someone who just overpaid badly.

Thematic ETFs are booming - but the most exciting funds are often the thinnest, and that's exactly where careless buyers lose 10% the moment they hit buy. A plain-English look at spreads, last-price illusions, and how to trade them properly.

07/08/2024

Key views:
- Recession fears, worries over tech valuations and the rapid unwind of yen-funded trades are hurting global stocks.
- Risk assets could recover as recession fears are alleviated.
- We stay overweight U.S. equities, driven by the AI mega force, and Japanese stocks.

Key views: - Recession fears, worries over tech valuations and the rapid unwind of yen-funded trades are hurting global stocks. - Risk assets could recover as recession fears are alleviated. - We stay overweight U.S. equities, driven by the AI mega force, and Japanese stocks.

14/05/2024

Please find below a high-level overview of key takeout’s from the Federal Budget Summary 2024 as delivered overnight.

Please find below a high-level overview of key takeout’s from the Federal Budget Summary 2024 as delivered overnight.

06/10/2023