Mosaic Wealth

This month's commentary from our investment manager, Drummond Capital Partners, explores the shifting interest rate environment, ongoing inflation pressures, and the impact these factors may have on investment markets and portfolio positioning. As always, the focus remains on filtering out short-term noise and maintaining a disciplined, long-term investment approach.

https://mosaicwealth.au/drummond-capital-partners-market-insights-august-2026/

Still working but thinking about retirement? A Transition to Retirement (TTR) strategy can help eligible Australians aged 60 and over access part of their super while continuing to work. Contact us to see if a TTR is right for you.

Investment opportunities that seem too good to be true, probably are. If you’re approached via unsolicited emails or calls, it’s crucial that you complete some checks before you hand over any personal details.

Tips for staying safe online - https://mosaicwealth.au/tips-for-staying-safe-online/

Even though redundancies are often part of business, being told your role has become redundant can still leave you feeling blindsided. The key is not to panic. Some people discover that a redundancy can in fact open doors to new financial and lifestyle
possibilities.

Navigating redundancy – make it work for you - https://mosaicwealth.au/navigating-redundancy-make-it-work-for-you/

Many people think financial advice is about investments, superannuation and strategy.

While those things matter, the foundation of every successful client relationship is trust.

Trust that calls will be returned. Trust that questions will be answered. Trust that someone genuinely cares about helping you make good decisions.

A recent testimonial reminded me of that:

"I was really pleased with the move over to Mosaic Wealth. I am happy with how things are going and especially appreciate Courtney's responsiveness when I have new questions or follow ups from our meetings."

Being responsive sounds simple, but when clients are making important financial decisions, knowing someone is available to provide clarity can make all the difference.

Thank you for the kind words and for placing your trust in Mosaic Wealth.

While there are benefits in establishing an SMSF, running your own fund is complex and there are many things you have to consider. Learn more.

Understanding the rules and obligations of an SMSF - https://mosaicwealth.au/understanding-the-rules-and-obligations-of-an-smsf/

RBA Holds Interest Rates Steady

At yesterday's meeting, the Reserve Bank of Australia (RBA) left the cash rate unchanged at 4.35%, choosing to assess the impact of the three rate increases already delivered this year.

A few key takeaways:
- Inflation has eased from its recent highs but remains above the RBA's target range, meaning the fight against inflation isn't over yet.
- The RBA acknowledged signs that higher interest rates are slowing consumer spending and cooling parts of the housing market.
- While rates were left unchanged this month, the RBA indicated it remains prepared to increase rates further if inflation proves more persistent than expected.

As always, interest rate decisions are important, but they're just one piece of the puzzle. For long-term investors, remaining focused on your financial plan and avoiding short-term reactions continues to be the more important driver of outcomes.

What we're seeing is a reminder that economic conditions can change quickly, but a well-structured strategy is designed to navigate both uncertainty and opportunity.

Which super strategy fits your age? If you’re likely to retire within the next 10 or 15 years, there are several strategies you can use to build your super faster.

Every super fund charges fees, but it’s not always obvious what you’re paying for. This article breaks down each fee type in plain English and explains how to compare funds properly.

Super fund fees explained - https://mosaicwealth.au/super-fund-fees-explained/

Things That Matter & July Month in Review
1 - Central banks hawkish in tone and largely holding rates, tolerating supply driven inflation for the time being.
2 - Geoeconomic fragmentation is driving structural reallocation of global supply chains toward regional and allied country blocs.
3 - AI adoption cycle relatively nascent, yet its productivity and displacement effects are reshaping competitive dynamics.
4 - Big tech's AI buildout transitioning from balance sheet strength to leverage, adding debt market supply and rate sensitivity.
5 - From liquidity tailwind to funding cost concern; government debt burdens push bond yields to multi-year highs.