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I joined Philip Clark on ABC Nightlife to discuss the shift toward a more volatile market environment in 2026. With inflation likely rising again, growth slowing and oil prices climbing, the key conditions that supported recent equity gains are fading. We also explored potential war scenarios involving Iran and how they could impact markets, inflation and interest rates.

Given this backdrop, I highlighted the need to rethink portfolio construction, with private credit emerging as a potential alternative offering attractive income with lower volatility. We also touched on rising fuel costs, price pressures on consumers, and broader structural challenges in Australia’s economy. continue…

by Roger Montgomery Posted in Aura Group, Global markets, Insightful Insights, Investing Education, Market commentary, Market Valuation, Radio.

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The traditional 60/40 portfolio approach is proving less effective at balancing risk and return in today’s environment, particularly as the historical relationship between equities and bonds has shifted. Where bonds once tended to rise when equities fell, both asset classes have at times moved in the same direction during periods of persistent inflation and policy uncertainty, weakening diversification benefits. At the same time, elevated equity valuations, increased concentration in major indices and higher government debt levels have contributed to a more volatile and policy-sensitive market backdrop. As a result, some investors are reassessing how capital is allocated and how diversification is achieved. continue…

by Roger Montgomery Posted in Aura Group, Digital Asset Funds Management, Whitepapers.

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How to maximise your savings with higher-yield funds with competitive returns and risk.

Looking to make your money work harder this year? Whether you’re looking to fund a better lifestyle, build your nest egg or simply grow some savings, you may want to read this article.

For many retirees – and particularly people who may be navigating their finances independently for the first time – the stock market can feel less like an ‘opportunity’, and more like a rollercoaster you never asked to board. When you are at a stage in life where preserving what you’ve built is as important as growing it, the daily ups and downs of the stock market can keep anyone awake at night.

The traditional “safe” bets, like term deposits, often fail to keep pace with the lifestyle you’ve worked so hard to earn. So, where do you turn when you want the yield of a high-performer but the stability of a fortress? continue…

by Roger Montgomery Posted in Aura Group, Insightful Insights, Investing Education, Popular.

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For decades, Australian and global investors seeking income have depended on a traditional “Core” fixed income allocation for their portfolios, mainly consisting of government-related debt and investment-grade corporate bonds. The result is the conventional 60/40 portfolio – a widely accepted blend of equities and fixed income (bonds).

Structural changes in liquidity, regulation, and market dominance, however, are occurring rapidly and may reduce the effectiveness of these old benchmarks. continue…

by Roger Montgomery Posted in Aura Group, Insightful Insights, Investing Education.

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I think a lot about how higher-yielding income products, such as the Aura Private Credit Income Fund and the Aura Core Income Fund, might fit in a retiree’s portfolio and how to articulate that. 

It’s a challenge to explain, primarily because we don’t know the future. We don’t know how long we’ll live; we don’t know when/if the stock market might crash, and therefore we don’t know how much we can withdraw each year from our retirement savings because we don’t know how much we will spend in retirement, nor how much we’ll actually have left each year.

It leaves many investors paralysed; “I’ll worry about it tomorrow.” continue…

by Roger Montgomery Posted in Aura Group, Investing Education.

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This week I join Nicola and Di for the first 2026 episode of Over The Money Fence. This series aims to help you take control of your finances with clarity and confidence.

In this episode, we take a look at the changes that are currently happening in the world, and how that could impact our finances. I explain how the tailwinds that have benefited the stock markets in the past, and have benefited the Baby Boomers and Gen X are shifting, and why that means investors may need to consider other investments. continue…

by Roger Montgomery Posted in Aura Group, Digital Asset Funds Management, Investing Education, Market commentary, Podcast Channel.

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Many believe the era of easy investing is over and after several strong years in equity markets, opportunities are harder to find and valuations are less forgiving. So, with traditional 60/40 portfolios under pressure, investors are looking for diversification, income and resilience.

In this exclusive Ausbiz event, I joined Nadine Blayney for an in-depth discussion on equity alternatives and the strategies designed to help protect and grow your wealth.

We explored

• The importance of rebalancing in the current market environment
• How to think about diversification, income and resilience
• How private credit works – and why investors can use it for a reliable income stream
• High-frequency trading and arbitrage funds: historically the domain of proprietary trading firms and institutions, now accessible to investors
• Key risks and what to look for when assessing these types of strategies

continue…

by Roger Montgomery Posted in Aura Group, Digital Asset Funds Management, Investing Education, Market commentary, Popular, TV Appearances.

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It’s a shot across the bow. In recent weeks, short, sharp sell-offs across the largest global artificial intelligence (AI) hyperscalers have woken investors from their technology and AI-inspired slumber. In just six trading sessions, Microsoft fell 18 per cent. Meanwhile, Amazon has declined 14 per cent in eight sessions, and Google parent Alphabet has fallen 8 per cent in just four sessions. Elsewhere, Meta fell 10 per cent, and Tesla has declined almost 12 per cent in 10 trading sessions.

This article was first published in The Australian on 11 February 2026. continue…

by Roger Montgomery Posted in Aura Group, Digital Asset Funds Management, In the Press, Insightful Insights, Investing Education, Market commentary.

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In my first video insight for 2026, I explained that the era of easy investing is over. With valuations elevated, markets concentrated in a narrow group of stocks and volatility rising, I believe investors need to think more carefully about diversification.

That is why we continue to focus on strategies uncorrelated to markets, such as the Aura Private Credit Income Fund, which seeks to provide investors with access to regular income, and the Digital Asset Funds Management – Digital Income Fund, which seeks to profit from volatility and pricing inefficiencies across global asset exchanges.

These strategies may offer diversification benefits and alternative sources of income in a changing investment environment. If you would like to learn more about our offerings and whether they are appropriate for your circumstances, please fill in the form below to receive further information. continue…

by Roger Montgomery Posted in Aura Group, Digital Asset Funds Management, Insightful Insights, Investing Education, Market commentary, Video Insights.

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Yet, the stock market’s buoyancy belies the head-spinning conga line of events over the first month of 2026 that would, at any other time in history, have caused the market to plunge or coincided with it.

Take gold’s 17 per cent ascent so far this month, which follows a 66 per cent rise in 2025. Such moves are unusual. Since gold began trading freely in the 1970s, the average annual return for gold has been roughly 6-8 per cent. January’s return doubles that annual number.

This article was first published in The Australian on 04 December 2025. continue…

by Roger Montgomery Posted in Aura Group, Digital Asset Funds Management, Economics, Global markets, In the Press, Insightful Insights, Investing Education, Market commentary, Market Valuation.

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