Aussie FIRE | Financial Independence Retire Early 49. Q&A: Market highs, geared super, investment bonds
Oct 10, 2025
Dave and Hayden dive into listener questions about investing during market highs, offering practical insights on lump sum versus dollar cost averaging. They explore the complexities of geared superannuation, discussing its potential benefits and risks. The duo also unpacks investment bonds, revealing their hidden fees and limitations, while suggesting simpler, tax-efficient alternatives. With a mix of strategies and behavioral insights, they aim to help investors navigate their long-term financial paths with confidence.
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Split Lump Sums: Half Now, Drip The Rest
- If you have a lump sum, consider putting some in immediately and dollar-cost-average the rest over time.
- This balances statistical advantage of lump-sum with psychological comfort and timing risk.
All-Time Highs Are Not Always Meaningful
- Markets are frequently at all-time highs because they trend upward over time, so
Valuation Metrics Haven't Timed Markets Well
- Traditional valuation metrics (CAPE, P/E) and media recession talk have been poor short-term predictors.
- Tech-driven earnings growth has changed historical valuation relationships, making many indicators less actionable.