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string(88) "Beyond the cash rate: How affordability reshaped Australia’s property playbook in 2025"
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Australian buyers are less fixated on interest rates and more constrained by affordability, a pivot that is quietly rewriting strategies for banks, developers and institutional investors. New sentiment data suggests rate anxiety has eased, yet borrowing capacity and housing supply remain the true bottlenecks. This case study tracks how the market recalibrated in 2025, what moved the needle, and where the next competitive edges will emerge.
Case Study: Australia’s housing market pivot from rates to affordability
Context: The narrative turned, but the maths still mattered
In 2025, the dominant story in Australian property isn’t falling interest rate anxiety; it’s the cost of getting into (or staying in) the market. InfoTrack’s 2025 State of Real Estate, drawing on a survey of over 130,000 participants, found 45% of respondents said interest rates did not influence their buying decision, and just 8% said rates had only a slight impact. That is a sharp reset from 2024, when roughly two-thirds said rates were a major factor. Affordability—especially purchase price—has become the primary barrier, cited by 27% of respondents.
The macro picture reinforces the sentiment. The Reserve Bank’s cash rate plateaued at restrictive levels through 2024, with market consensus pointing to cuts starting in Q2 2025. Yet serviceability remains tight due to the prudential assessment buffer (3 percentage points above the loan rate) maintained by APRA. Meanwhile, rents surged amid historically low vacancy rates (around 1% nationally through 2024 per industry trackers), net overseas migration stayed elevated (circa half a million over the year to late 2023 per ABS), and construction capacity struggled with cost inflation and labour shortages. The net result: strong underlying demand, constrained supply, and price stickiness despite high rates.
Against this backdrop, the Australian real estate sector—a market valued in the hundreds of billions of dollars—has re-optimised playbooks. The strategic lever is shifting: from rate speculation to affordability engineering.
Decision: Compete on affordability, not on rate calls
Three sets of actors made decisive pivots:
- Lenders focused on improving serviceability outcomes rather than chasing volumes with cashbacks. Product design moved toward flexible splits (fixed/variable), offsets, and targeted discounts for lower-risk borrowers. Several banks increased emphasis on granular expense verification and alternative income validation to responsibly lift borrowing capacity.
- Developers rebalanced pipelines toward smaller, more attainable dwellings and outer-metro projects, where land and construction economics can pencil. Value-engineering (modular elements, standardised fit-outs) aimed to keep ticket prices under thresholds critical for first home buyer schemes.
- Institutional landlords accelerated build-to-rent (BTR) to monetise demand for professionally managed rental housing. Federal tax settings introduced in 2023 (including a reduced withholding tax rate for eligible BTR investments) strengthened the economics, attracting global capital. Pipelines now number in the tens of thousands of units nationally.
Collectively, the sector’s decision was to treat affordability as the new growth engine—because that’s where buyer pain and willingness to pay converge.
Implementation: From policy to product to process
Execution spanned policy, product and process:
- Policy interface: With APRA keeping the 3% buffer, lenders leaned into granular risk-based pricing and borrower education. Broker channels built tools to show how prospective rate cuts translate into serviceability; as a rule of thumb, a 50bp reduction in assessment rates can lift borrowing capacity by roughly 5–7%, depending on income and expenses.
- Product innovation: Lenders pushed features that create real affordability—offset accounts to cut interest cost, tailored fixed/variable blends to smooth cash flow, and green-discounted loans for energy-efficient builds to lower running costs. On the public side, shared equity schemes in several states and federal first-home guarantees remained critical ladders to entry.
- Development economics: Developers used value-engineering, reconfigured apartment mixes, and phased releases to meet price points. Procurement shifted to mitigate supply-chain volatility, while pre-sales strategies targeted cohorts with stable incomes (health, public sector) to de-risk settlements.
- Operational digitisation: Proptech platforms—e-settlement rails, digital ID verification, instant title and contract checks—compressed time-to-settlement and reduced fallovers. Australia’s e-conveyancing penetration, led by platforms such as PEXA, now covers the vast majority of settlements, cutting frictional cost for buyers and vendors.
Results: Early signals in the data
- Sentiment realignment: Per InfoTrack (2025), the share of buyers unmoved by rate levels rose to 45%, with affordability supplanting the rate narrative (27% citing price as the top obstacle). That is a marked behavioural shift year-on-year.
- Capacity sensitivity: Modelling used by brokers indicates each 50bp cut in mortgage rates can increase typical borrowing capacity by around 5–7% under current buffers. This sets a floor under demand as monetary policy normalises.
- Supply-demand pressure: Industry data through 2024 showed rental vacancies hovering near 1% nationally and elevated population growth (ABS). The National Housing Finance and Investment Corporation (NHFIC) has projected a substantial dwelling shortfall over the medium term, underscoring persistent price support absent a rapid supply response.
- Institutional footprint: Australia’s BTR pipeline has expanded to well over 20,000 units in planning and development, with institutional occupancy typically high and operational performance buoyed by tight rental markets.
- Transaction resilience: Despite high rates, national dwelling values rose through 2023–2024 per major indices, reflecting the structural imbalance between demand and supply.
Lessons: What executives should take from 2025’s pivot
- Business impact: Don’t benchmark strategy to the cash rate alone. The constraint is serviceability plus supply. Products and projects that move the affordability dial—on purchase price, running cost, or certainty of payments—will gain share.
- Competitive advantage: Early adopters of affordability-first design (lenders with smarter risk engines; developers with value-engineered stock; BTR operators with proven amenity-cost trade-offs) will lock in demand while rivals wait for rate relief.
- Market trends: Expect gradual rate normalisation to unlock incremental capacity, but the secular story is population growth outpacing completions. That’s supportive for prices and rents, favouring income-focused strategies and counter-cyclical land banking.
- Implementation reality: Affordability requires end-to-end discipline—costed design, procurement hedges, rigorous borrower assessment, and digitised conveyancing to compress timelines. Measure success by total cost to occupy, not just sticker price or headline rate.
- Future outlook: If rate cuts materialise, watch first-home buyer activation and upgraders re-entering. But the long game is supply: partnerships that unlock medium-density near transport, streamlined approvals, and scalable offsite construction will define winners over the next cycle.
Technical deep dive: Why affordability eclipses rate anxiety
Three mechanics explain the pivot:
- Assessment arithmetic: With a fixed 3% serviceability buffer, small rate changes at high base levels keep assessment rates elevated. Buyers internalise that the buffer, not the spot rate, is the binding constraint.
- Supply elasticity: Cost inflation and labour scarcity keep new supply inelastic in the short run, so prices respond slowly to demand changes. Policy-led incentives (e.g., BTR tax settings) influence supply more than marginal rate shifts.
- Total cost to occupy: Energy efficiency, strata and maintenance, and commuting costs matter more as households strain at the affordability margin. Financial products and building designs that lower lifetime occupancy cost create tangible value.
As InfoTrack’s Lee Bailie observes, the market’s attention has migrated from watching the RBA to engineering affordability at the point of decision. That mental model is a better guide for 2025 than any rate forecast.
Strategic implications
- Banks and non-banks: Invest in borrower analytics that optimise serviceability within prudential settings; expand green and flexible products; partner with brokers on capacity education tools.
- Developers: Prioritise medium-density near transport, modular methods to tame cost spikes, and pricing below shared-equity and guarantee thresholds to amplify demand.
- Institutional investors: Scale BTR and consider rent-to-buy pilots aligned to affordability metrics; use data-led amenity design to balance yield and tenant retention.
- Policy-makers: Pair targeted demand support with supply unlocks—planning reforms, infrastructure alignment, and workforce pipelines—to address the structural shortfall.
- Yes
Australian buyers are less fixated on interest rates and more constrained by affordability, a pivot that is quietly rewriting strategies for banks, developers and institutional investors. New sentiment data suggests rate anxiety has eased, yet borrowing capacity and housing supply remain the true bottlenecks. This case study tracks how the market recalibrated in 2025, what moved the needle, and where the next competitive edges will emerge.
Case Study: Australia’s housing market pivot from rates to affordability
Context: The narrative turned, but the maths still mattered
In 2025, the dominant story in Australian property isn’t falling interest rate anxiety; it’s the cost of getting into (or staying in) the market. InfoTrack’s 2025 State of Real Estate, drawing on a survey of over 130,000 participants, found 45% of respondents said interest rates did not influence their buying decision, and just 8% said rates had only a slight impact. That is a sharp reset from 2024, when roughly two-thirds said rates were a major factor. Affordability—especially purchase price—has become the primary barrier, cited by 27% of respondents.
The macro picture reinforces the sentiment. The Reserve Bank’s cash rate plateaued at restrictive levels through 2024, with market consensus pointing to cuts starting in Q2 2025. Yet serviceability remains tight due to the prudential assessment buffer (3 percentage points above the loan rate) maintained by APRA. Meanwhile, rents surged amid historically low vacancy rates (around 1% nationally through 2024 per industry trackers), net overseas migration stayed elevated (circa half a million over the year to late 2023 per ABS), and construction capacity struggled with cost inflation and labour shortages. The net result: strong underlying demand, constrained supply, and price stickiness despite high rates.
Against this backdrop, the Australian real estate sector—a market valued in the hundreds of billions of dollars—has re-optimised playbooks. The strategic lever is shifting: from rate speculation to affordability engineering.
Decision: Compete on affordability, not on rate calls
Three sets of actors made decisive pivots:
- Lenders focused on improving serviceability outcomes rather than chasing volumes with cashbacks. Product design moved toward flexible splits (fixed/variable), offsets, and targeted discounts for lower-risk borrowers. Several banks increased emphasis on granular expense verification and alternative income validation to responsibly lift borrowing capacity.
- Developers rebalanced pipelines toward smaller, more attainable dwellings and outer-metro projects, where land and construction economics can pencil. Value-engineering (modular elements, standardised fit-outs) aimed to keep ticket prices under thresholds critical for first home buyer schemes.
- Institutional landlords accelerated build-to-rent (BTR) to monetise demand for professionally managed rental housing. Federal tax settings introduced in 2023 (including a reduced withholding tax rate for eligible BTR investments) strengthened the economics, attracting global capital. Pipelines now number in the tens of thousands of units nationally.
Collectively, the sector’s decision was to treat affordability as the new growth engine—because that’s where buyer pain and willingness to pay converge.
Implementation: From policy to product to process
Execution spanned policy, product and process:
- Policy interface: With APRA keeping the 3% buffer, lenders leaned into granular risk-based pricing and borrower education. Broker channels built tools to show how prospective rate cuts translate into serviceability; as a rule of thumb, a 50bp reduction in assessment rates can lift borrowing capacity by roughly 5–7%, depending on income and expenses.
- Product innovation: Lenders pushed features that create real affordability—offset accounts to cut interest cost, tailored fixed/variable blends to smooth cash flow, and green-discounted loans for energy-efficient builds to lower running costs. On the public side, shared equity schemes in several states and federal first-home guarantees remained critical ladders to entry.
- Development economics: Developers used value-engineering, reconfigured apartment mixes, and phased releases to meet price points. Procurement shifted to mitigate supply-chain volatility, while pre-sales strategies targeted cohorts with stable incomes (health, public sector) to de-risk settlements.
- Operational digitisation: Proptech platforms—e-settlement rails, digital ID verification, instant title and contract checks—compressed time-to-settlement and reduced fallovers. Australia’s e-conveyancing penetration, led by platforms such as PEXA, now covers the vast majority of settlements, cutting frictional cost for buyers and vendors.
Results: Early signals in the data
- Sentiment realignment: Per InfoTrack (2025), the share of buyers unmoved by rate levels rose to 45%, with affordability supplanting the rate narrative (27% citing price as the top obstacle). That is a marked behavioural shift year-on-year.
- Capacity sensitivity: Modelling used by brokers indicates each 50bp cut in mortgage rates can increase typical borrowing capacity by around 5–7% under current buffers. This sets a floor under demand as monetary policy normalises.
- Supply-demand pressure: Industry data through 2024 showed rental vacancies hovering near 1% nationally and elevated population growth (ABS). The National Housing Finance and Investment Corporation (NHFIC) has projected a substantial dwelling shortfall over the medium term, underscoring persistent price support absent a rapid supply response.
- Institutional footprint: Australia’s BTR pipeline has expanded to well over 20,000 units in planning and development, with institutional occupancy typically high and operational performance buoyed by tight rental markets.
- Transaction resilience: Despite high rates, national dwelling values rose through 2023–2024 per major indices, reflecting the structural imbalance between demand and supply.
Lessons: What executives should take from 2025’s pivot
- Business impact: Don’t benchmark strategy to the cash rate alone. The constraint is serviceability plus supply. Products and projects that move the affordability dial—on purchase price, running cost, or certainty of payments—will gain share.
- Competitive advantage: Early adopters of affordability-first design (lenders with smarter risk engines; developers with value-engineered stock; BTR operators with proven amenity-cost trade-offs) will lock in demand while rivals wait for rate relief.
- Market trends: Expect gradual rate normalisation to unlock incremental capacity, but the secular story is population growth outpacing completions. That’s supportive for prices and rents, favouring income-focused strategies and counter-cyclical land banking.
- Implementation reality: Affordability requires end-to-end discipline—costed design, procurement hedges, rigorous borrower assessment, and digitised conveyancing to compress timelines. Measure success by total cost to occupy, not just sticker price or headline rate.
- Future outlook: If rate cuts materialise, watch first-home buyer activation and upgraders re-entering. But the long game is supply: partnerships that unlock medium-density near transport, streamlined approvals, and scalable offsite construction will define winners over the next cycle.
Technical deep dive: Why affordability eclipses rate anxiety
Three mechanics explain the pivot:
- Assessment arithmetic: With a fixed 3% serviceability buffer, small rate changes at high base levels keep assessment rates elevated. Buyers internalise that the buffer, not the spot rate, is the binding constraint.
- Supply elasticity: Cost inflation and labour scarcity keep new supply inelastic in the short run, so prices respond slowly to demand changes. Policy-led incentives (e.g., BTR tax settings) influence supply more than marginal rate shifts.
- Total cost to occupy: Energy efficiency, strata and maintenance, and commuting costs matter more as households strain at the affordability margin. Financial products and building designs that lower lifetime occupancy cost create tangible value.
As InfoTrack’s Lee Bailie observes, the market’s attention has migrated from watching the RBA to engineering affordability at the point of decision. That mental model is a better guide for 2025 than any rate forecast.
Strategic implications
- Banks and non-banks: Invest in borrower analytics that optimise serviceability within prudential settings; expand green and flexible products; partner with brokers on capacity education tools.
- Developers: Prioritise medium-density near transport, modular methods to tame cost spikes, and pricing below shared-equity and guarantee thresholds to amplify demand.
- Institutional investors: Scale BTR and consider rent-to-buy pilots aligned to affordability metrics; use data-led amenity design to balance yield and tenant retention.
- Policy-makers: Pair targeted demand support with supply unlocks—planning reforms, infrastructure alignment, and workforce pipelines—to address the structural shortfall.
The RBA’s 25-basis-point cut to 3.6% extends the easing cycle and resets the calculus for households, lenders and property operators. Expect a faster spring selling season and a sharper rate war, but don’t expect affordability to magically reappear.
" ["fulltext"]=> string(9151) "With APRA buffers intact and global risks still circling, the winners will be those who use this window to refinance, reprice and reallocate before the herd. This analysis dissects the operational, competitive and strategic implications for leaders across real estate and financial services.
Key implication: The cash rate at 3.6% lowers borrowing costs and boosts sentiment ahead of spring, but supply constraints and serviceability rules blunt the impact. In practice, this is an opportunity for agile lenders, brokers and property operators to capture share while larger players recalibrate pricing and risk.
Business impact: What changes on Monday morning
The immediate transmission is straightforward: variable-rate mortgages fall as majors pass through the full 25 bps, with smaller lenders already undercutting headline rates. For a typical $600,000, 30-year principal-and-interest loan, a 25 bps cut reduces repayments by roughly $90–$120 per month, depending on starting rate and lender pricing. Industry analysts, including Canstar’s Sally Tindall, call this “very welcome relief,” noting that well-priced variable rates can now dip toward the low-5% range if fully passed through.
Borrowing capacity nudges higher, but not dramatically. Broker serviceability calculators indicate a 25 bps cut typically lifts capacity by about 2–4%, moderated by lender-specific buffers. That is enough to pull some sidelined buyers back into the market, evidenced by reported spikes in pre-approvals post-decision, but not enough to materially restore affordability where stock is scarce.
For commercial real estate (CRE), the cut stabilises cap rate expectations and supports refinance feasibility for assets with resilient cash flows—industrial, logistics and necessity retail lead. However, any cap-rate compression is likely to be selective and slower-moving until there is clearer guidance on the path of future cuts.
Market context: Demand up, supply still the choke point
This is the third move in the 2025 easing cycle (after February and May), and it lands into a chronically undersupplied housing market. Low listings and delayed completions keep the pricing elastic: incremental demand meets hard supply limits. Core market effects to watch:
- Spring velocity: A faster selling season with higher auction clearance rates, driven by improved sentiment and slightly stronger borrowing power.
- Affordability gap: First-home buyers benefit least where competition is fiercest; investor inquiry rises on improved yield spread versus term deposits.
- Regional divergence: Tight inner-ring suburbs and key regional hubs with infrastructure tailwinds likely see outsized price responses; fringe and high-supply corridors remain more balanced.
Tim Lawless, research director at CoreLogic, has previously highlighted that easing cycles tend to bring forward demand and firm prices, particularly where listings lag. The pattern appears set to repeat: more heat, not necessarily more homes.
Competitive dynamics: The rate war is back
Expect aggressive repricing from smaller lenders and non-banks seeking share while majors defend margins. Three dynamics define the battlefield:
- Price: Sub-major and challenger brands move swiftly with sharp variable and fixed specials; cashback offers stay subdued but targeted fee waivers return.
- Speed: Brokers prioritise lenders with faster SLAs and consistent credit policies to absorb pre-approval surges—turnaround time becomes a competitive wedge.
- Policy: Niche credit (professionals, high-LVR with insurance, near-prime) expands as risk appetite normalises, within regulatory guardrails.
Banks are publicly cautious on the number of cuts still to come, but brokers see tangible access improvements now. The result: a widening gap between headline rhetoric and actual lending behaviour—classic conditions for share shifts toward nimble players.
Implementation reality: APRA buffers still rule
The Australian Prudential Regulation Authority’s 3 percentage point serviceability buffer remains the key gatekeeper. Even as rates fall, borrowers must qualify at a materially higher assessment rate, limiting the uplift to capacity and tempering systemic risk. For CFOs and credit leads, this means:
- Limited elasticity: Capacity gains from each cut are incremental, not explosive.
- Segment focus: Greatest responsiveness among borrowers with low leverage and stable dual incomes; minimal relief for already-stretched cohorts.
- Portfolio hygiene: Early outreach to rollover and expiring fixed-rate cohorts reduces arrears risk as funding costs adjust.
Regulatory continuity also constrains speculative excess. That is good for stability, but it will frustrate buyers expecting 2019-style capacity jumps.
Technical deep dive: How the easing transmits to the bottom line
For banks: Net interest margins feel a mixed effect. Asset yields step down quickly on variable books, while deposit costs adjust more gradually depending on deposit beta. Wholesale funding spreads matter: if global risk premia remain contained, funding relief will support margin defence even as competition intensifies. Expect selective repricing of investor and interest-only loans where risk-weighted returns are stronger.
For property investors and REITs: Lower discount rates improve project IRRs at the margin. But because construction costs and planning delays are the real bottlenecks, development pipelines will not surge unless approvals accelerate. For income assets, the focus shifts to leasing momentum: industrial remains the standout, office bifurcates further with prime stabilising and secondary stock challenged.
For SMEs and developers: Working capital lines ease modestly; debt service coverage ratios improve. However, lenders will maintain conservative pre-sale thresholds and interest coverage for projects, given lingering macro uncertainty.
Lessons from past cycles: What history says
In prior Australian easing episodes, transaction volumes and prices typically respond within 1–2 quarters, led by higher-income buyers and investors. The 2019 cycle showed that sentiment can do as much heavy lifting as rate mechanics—especially in Sydney and Melbourne—when listings are tight. The risk, as ever, is asset price inflation outpacing incomes, reinforcing affordability divides without materially lifting supply.
Today’s cycle differs in three ways: buffers are stricter, household balance sheets carry more mortgage debt concentrated in higher-rate vintages, and construction capacity is constrained. That argues for a more measured—yet still positive—price and activity response.
Global backdrop: Tailwinds with crosswinds
RBA Governor Michele Bullock has defended a cautious cadence, citing volatile monthly data and offshore uncertainty. Global growth wobble, China’s property drag, and the path of US and European policy all feed through via funding costs and the AUD. A softer AUD can nudge imported inflation, which could slow or space out future cuts. Translation: easing will continue, but not in a straight line.
Strategy playbook: Five moves for decision-makers
Lenders: Accelerate refinance funnels now. Pair sharper frontline pricing with disciplined back-book retention. Invest in credit decisioning speed; capacity gains from the cut are marginal, so approval agility is the real differentiator.
Brokers: Pre-position clients with updated servicing models reflecting the new rate. Target cohorts that benefit most from small capacity gains—upgraders and investors with equity—while managing expectations for first-home buyers.
Developers and REITs: Recut hurdle rates and revisit deferred projects, but sequence launches with verified pre-sales. Focus on build-to-rent and infill townhouses where demand depth is clearest.
Corporate occupiers: Use the window to renegotiate leases in soft submarkets; lock in incentives while landlords seek certainty. Reassess capex financing as borrowing costs trend down.
Households and SMEs: Stress-test at least 200–300 bps above current rates despite the cut; use the reprieve to pay down principal or build buffers. Reprice every loan: the spread between best-in-market and laggard rates widens during easing cycles.
Bottom line: This cut moves the dial from headwinds to gentle tailwinds. But with supply tight and regulators vigilant, execution speed—not exuberance—will separate the winners from the rest this spring.
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The RBA’s 25-basis-point cut to 3.6% extends the easing cycle and resets the calculus for households, lenders and property operators. Expect a faster spring selling season and a sharper rate war, but don’t expect affordability to magically reappear.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(122) "/earn-money/australias-rate-cut-has-arrived-heres-what-it-really-means-for-property-profit-margins-and-the-next-six-months" ["image"]=> string(108) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1755242801/hero-91-plSFmYtB_ruzkob.png" ["image_alt"]=> string(89) "Australia’s rate cut revealed: What it means for property, profits and the months ahead" } [2]=> object(stdClass)#8562 (57) { ["id"]=> int(18758) ["title"]=> string(81) "Beyond the sticker price: decoding a property’s real value in a volatile market" ["alias"]=> string(77) "beyond-the-sticker-price-decoding-a-propertys-real-value-in-a-volatile-market" ["introtext"]=> string(493) "As prices in several Australian cities keep defying slower growth and higher rates, the question isn’t what a property costs—it’s what it’s truly worth. Value today is a stack: cash flows, replacement cost, optionality, and risk. The investors winning allocations, bank credit, and board support are those who can evidence value across all four layers. Here’s the framework and the practical playbook leaders are using to underwrite intelligently in 2025.
" ["fulltext"]=> string(8670) "Key implication: In a market defined by tight supply, patchy demand, and higher funding costs, the price you pay is a negotiation; the value you own is a system. Treat valuation as a multi-lens stack—income, comparables, replacement cost, residual land value, and real options—or risk mispricing both upside and downside.
Market context: rates up, resilience persists, dispersion widens
Despite a softer macro backdrop and a modest uptick in unemployment, residential prices in several Australian capitals have continued to rise, with robust auction clearance rates flagging persistent demand. The headline hides dispersion: inner-ring houses with scarce land and high amenity continue to command premiums, while outer-ring stock and secondary apartments face affordability constraints and higher vacancy risk. Migration has reinforced demand in employment hubs, but construction cost inflation and capacity constraints have slowed new supply, supporting the value of well-located existing assets.
Globally, higher bond yields have repriced risk. Commercial sectors tied closely to long-duration cash flows (e.g., traditional office) have seen cap rate pressure, while logistics, data centres, and build-to-rent (BTR) show relative resilience due to structural demand and index-linked or short-cycle pricing power. Australian lenders remain conservative—serviceability buffers and debt coverage ratios matter—so a credible valuation narrative is now a competitive necessity for both buyers and vendors.
The valuation stack: five lenses, one investment decision
There is no single “correct” number—only a distribution of values, conditional on assumptions. Robust underwriting triangulates across five lenses:
1) Comparable sales (market lens). Anchor to recent, like-for-like transactions adjusted for time, quality, and location. Use multiple comps; discard outliers. For thin markets, widen the radius and triangulate with listings-to-sales ratios and days-on-market trends to sense momentum.
2) Income and DCF (fundamentals lens). Model net operating income (NOI), normalised for vacancies, incentives, maintenance, and insurance. Discount explicitly using a risk-adjusted rate; test cap rate exit, leasing downtime, and capital expenditure (CapEx). A simple sensitivity grid (rent ±5–10%, cap rate ±25–50 bps) often shifts value by 10–20%; if your thesis breaks under mild stress, it isn’t a thesis.
3) Replacement cost (supply lens). Land plus today’s build cost (materials, labour, contingencies) sets a rational floor for new supply. When market prices sit below replacement cost, new construction is unlikely—supporting existing asset values barring severe demand shocks.
4) Residual land value and highest-and-best-use (HBU). For sites with development potential, backsolve residual land value from end-product pricing, less total development costs, finance, profit, and risk. Planning constraints, utilities, and timing are material drivers; a zoning uplift can shift value more than any cosmetic renovation.
5) Real options (optionality lens). Properties embed managerial choices—stage development, reconfigure layouts, add secondary dwellings, convert use, or run energy retrofits. Options have value when uncertainty is high and management is skilled. Treat them explicitly rather than as vague “upside”.
Technical deep dive: from theory to numbers
Consider an income asset with $60,000 annual gross rent, 5% vacancy, and $12,000 operating costs. NOI is roughly $45,000. At a 5.25% cap rate, the implied value is about $857,000; at 5.75%, $783,000. That 50 bps change erases ~$74,000 of value—more than many renovation budgets. Add a five-year DCF with rent growth at 2.5% and exit at a 25 bps softer cap rate; the present value is typically 3–7% lower than a flat cap model, reminding us that exit assumptions dominate.
For a small infill site, suppose end-product sales of $12m, total development cost of $9.6m (including contingencies and finance), and a target developer margin of 17%. The residual land value approximates $0.36m ($12m − $9.6m − $2.04m). If planning risk is high, haircut a further 10–15%. A successful planning uplift that increases net saleable area by 8% can swing residual by multiples of the initial equity cheque—why experienced sponsors obsess over HBU and approvals sequencing.
Data reality: AVMs are a starting line, not the finish
Automated valuation models (AVMs) have improved and are invaluable for triage, but they can misread micro-markets, unique assets, and turning points. Practical workflow for decision-makers:
- Blend models and judgement. Use AVMs for comp sets and price bands, then overlay local knowledge—school catchments, noise corridors, owner-occupier share, and planned infrastructure.
- Normalise cash flows. Strip one-off incentives, assume sustainable rents, and include full-cycle CapEx (roofs, lifts, energy systems). Convert “net lettable area” to “rentable reality”.
- Scenario over precision. Run base, downside, and upside cases, each with coherent macro and leasing assumptions. Present bankable covenant analyses for income assets.
- Climate and compliance. Model heat, flood, and bushfire exposure; energy retrofits can materially affect NOI and exit liquidity. In many markets, sub-par energy performance is already priced via higher cap rates and lender scrutiny.
Where alpha hides: value creation levers for operators
With cheap debt gone, operational excellence is the new multiple expansion. Playbooks delivering measurable value:
- Planning and design. Secure floor area uplift, better layouts, or secondary dwellings (where permissible). Even minor efficiency gains (2–3% net saleable area) compound through margin.
- Energy and operations. Solar, insulation, electrification, and smart metering reduce outgoings and improve tenant retention—supporting higher effective rents and tighter yields.
- Lease engineering. Stagger expiries, embed CPI clauses where market allows, and tighten make-good provisions to reduce downtime.
- Capital discipline. Stage works to preserve optionality; avoid overcapitalising. In a volatile cost environment, early contractor involvement and fixed-sum elements de-risk budgets.
- Data advantage. Build proprietary micro-market datasets (time-on-market, rent discounts, buyer demographics). Small informational edges at purchase become large equity cushions over hold periods.
Australian specifics: policy, lending, and sector shifts
Policy settings matter. State-based taxes and proposed stamp duty reforms alter hold-period economics and mobility. APRA’s serviceability buffers keep household and investor risk in check, but reduce borrowing capacity—favouring buyers with equity and disciplined underwriting. Migration continues to support rental demand in major employment centres, while BTR momentum highlights institutional appetite for stabilised income streams. Construction capacity constraints and higher materials costs elevate replacement cost, reinforcing the value of well-located existing stock. Regional divergence will persist: assets with strong amenity, transport access, and energy performance remain more liquid and defensible.
Roadmap: governance, funding, and execution
For boards, investment committees, and lenders, the playbook is clear:
- Adopt the five-lens valuation stack as standard in investment papers; require explicit sensitivities and climate-adjusted risk.
- Tie funding terms to underwritten resilience, not just LVR—reward robust downside cases with better pricing.
- Institutionalise post-investment reviews to calibrate models against realised cash flows; close the loop on assumptions.
- Build cross-functional teams—valuation, planning, sustainability, and capital projects—so optionality is captured, not merely noted.
Bottom line: in 2025’s market, value isn’t discovered; it’s constructed—analytically, operationally, and through disciplined risk management. Those who prove it, win.
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As prices in several Australian cities keep defying slower growth and higher rates, the question isn’t what a property costs—it’s what it’s truly worth. Value today is a stack: cash flows, replacement cost, optionality, and risk. The investors winning allocations, bank credit, and board support are those who can evidence value across all four layers. Here’s the framework and the practical playbook leaders are using to underwrite intelligently in 2025.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(89) "/earn-money/beyond-the-sticker-price-decoding-a-propertys-real-value-in-a-volatile-market" ["image"]=> string(109) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1755242284/hero-146-ZlTMF5S8_nbe6hf.png" ["image_alt"]=> string(81) "Beyond the sticker price: decoding a property’s real value in a volatile market" } [3]=> object(stdClass)#8561 (57) { ["id"]=> int(18714) ["title"]=> string(87) "Cohorts, credits and competition: decoding Australia’s retirement reform consultation" ["alias"]=> string(82) "cohorts-credits-and-competition-decoding-australias-retirement-reform-consultation" ["introtext"]=> string(277) "Can a $3.9 trillion super system finally crack the ‘last mile’ of retirement? Canberra’s consultation on cohort-based retirement solutions aims to move beyond accumulation-era thinking, with principles for design and a new reporting framework.
" ["fulltext"]=> string(8799) "The stakes are commercial as much as social: the winners will combine data-driven segmentation, longevity pooling and guided advice at meaningful scale. Here’s the case study of a system in transition—what’s being decided, how it will be implemented and where the returns are likely to land.
Context: a decumulation gap in a $3.9 trillion system
Australia’s superannuation assets reached roughly $3.9 trillion by June 2024, yet decumulation remains the weak link. Most members enter retirement with a lump sum mindset, annuity take-up is minimal, and guidance is fragmented. The government’s consultation zeroes in on a practical pivot: segment members into clear cohorts, set best-practice principles for retirement solutions, and build a reporting regime so outcomes can be measured and compared. The direction aligns with global shifts towards personalisation and transparency seen in the UK’s drawdown pathways and OECD recommendations on retirement income adequacy.
Decision: principles, cohorts and visibility
Treasury is canvassing views on two anchors: best-practice design principles for retirement income solutions and a reporting framework to illuminate retirement outcomes. Industry debate is coalescing around one thorny question—how to define cohorts. Options range from simple (age bands, approximate balance) to richer segmentation incorporating income needs, risk tolerance, home ownership, likely Age Pension entitlement and health proxies. Define too coarsely and members fall through the cracks; define too finely and complexity explodes for trustees and regulators.
APRA’s expected role is to harden the data spine: collecting, standardising and publishing metrics on retirement income, volatility, longevity protection and drawdown sustainability. The policy aim is twin-track—nudge funds to build better in‑fund solutions while giving members and policymakers clear, comparable signals on what ‘good’ looks like.
Implementation: the new operating model for retirement
Making cohorts real requires more than a new product. It demands an operating model spanning data, design, distribution and risk management. A practical 12–24 month build plan for trustees looks like this:
- Data and segmentation: consolidate member data into a retirement “profile” (balance, contributions, partner status, housing, likely Age Pension, risk preferences). Start with rules-based segmentation for auditability; layer explainable machine learning later. Consent governance and privacy-by-design are non-negotiable.
- Product architecture: assemble a modular shelf that blends account-based pensions with longevity pooling (e.g., group deferred lifetime income or in‑fund pooled options). The aim is to convert mortality credits into higher sustainable income while preserving access to liquidity—a hybrid that global research suggests can lift income by roughly 15–25% versus pure drawdown, all else equal.
- Guidance and advice at meaningful scale: build a digital retirement journey with scenario modelling, nudges and a clear pathway to scoped personal advice. The UK’s “Investment Pathways” provide a useful analogue: simple, goal-based choices reduce paralysis while preserving choice for those who want it.
- Risk and capital: for longevity products, partner with insurers and reinsurers to transfer tail risk, or pool risk in‑fund with robust governance and disclosure. Align investment with the income objective—more real income assets, cashflow-matching mandates and inflation-linked securities where feasible.
- Reporting and controls: prepare for APRA’s metrics by instrumenting solutions at launch. Track net retirement income (after fees and Age Pension interactions), income variability, probability of depletion and member satisfaction.
Market trends and competitive landscape
The consultation will rewire market incentives. Expect three shifts:
- Insurer–super partnerships: Insurers (including specialist retirement players) are positioning to embed longevity pooling within mainstream super funds. Reinsurance capacity and capital-light structures will matter for pricing competitiveness.
- Distribution and retention: Early adopters with credible guided retirement journeys will win a larger share of members’ balances at retirement. For a $50 billion fund, improving retirement retention by just 1 percentage point preserves roughly $500 million in funds under management; at a 60 basis point revenue margin that’s around $3 million in recurring annual revenue—before cross-sell of advice and ancillary services.
- Scale advantage and M&A: Larger funds can amortise data, tech and compliance costs; smaller funds may seek alliances or mergers to shoulder the cohorting and reporting burden. This will quicken consolidation already underway in super.
Results so far and credible benchmarks
Australia’s decumulation market is early in its redesign, but there are useful datapoints:
- International comparators: OECD analyses have repeatedly shown that longevity pooling allows retirees to convert savings into 15–25% higher sustainable income than individual drawdown due to mortality credits, without increasing portfolio risk. This is the core economic engine behind the current reform focus.
- Fee economics: In‑fund retirement solutions can reduce total cost of ownership by an estimated 30–60 basis points versus retail constructs, according to industry fee surveys, due to scale, simpler distribution and trustee oversight. Lower fees compound into materially higher lifetime income.
- Annuity penetration remains low in Australia (a low single-digit share of retirement assets). That gap represents headroom for insurers and funds to co-develop pooled-income options that retain flexibility—addressing the historic deterrents to traditional annuities.
While the government’s reporting framework is still being shaped, funds that pilot cohort-based guidance and income pooling today are likely to demonstrate earlier improvements in measured outcomes such as drawdown sustainability and income stability—metrics that, once public, can become powerful competitive signals.
Risks and safeguards
- Cohort misclassification: Overly rigid cohorts risk poor fit for edge cases. Start simple, allow member opt-out, and embed periodic re‑assessment as circumstances change.
- Consumer complexity: With more product choice comes comprehension risk. Plain‑English disclosures, income-focused dashboards and guardrails (e.g., default pathway with soft advice prompts) are essential.
- Age Pension interactions: Optimising net income requires modelling of assets tests and deeming rates. Product designers should integrate Centrelink rules so members see the total income picture, not just super flows.
- Governance and bias: Use explainable models, documented assumptions and board-approved principles to prevent opaque or discriminatory segmentation.
Lessons: a playbook for executives
1) Treat retirement as a product system, not a product. Combine guidance, investment, longevity pooling and advice into a cohesive pathway.
2) Build the data spine first. A pragmatic, auditable cohort engine beats theoretical perfection—and accelerates compliance with incoming reporting.
3) Partner for risk transfer. Use insurer/reinsurer capacity to price longevity credibly; keep flexibility in-fund to preserve member trust.
4) Compete on outcomes, not complexity. Anchor design to three metrics: net retirement income, income variability and depletion risk. Publish them.
5) Monetise retention with service. Advice, Centrelink support and aged care navigation create stickiness and new revenue streams while improving member outcomes.
Future outlook
Over the next three to five years, expect a de facto “guided default” for retirement to emerge: members enter a cohort-informed pathway that blends account-based pensions with pooled income, supported by digital advice, and monitored through APRA-aligned outcome dashboards. Asset allocation will tilt toward real income and inflation-linked exposures as funds manage cashflow promises. For early movers, the competitive prize is durable—higher retention, stronger brand trust and a defensible cost advantage. For laggards, the cost of catch-up will only rise as transparency normalises performance comparisons. The consultation is the starting gun; execution will decide who owns the retirement relationship.
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Can a $3.9 trillion super system finally crack the ‘last mile’ of retirement? Canberra’s consultation on cohort-based retirement solutions aims to move beyond accumulation-era thinking, with principles for design and a new reporting framework.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(94) "/earn-money/cohorts-credits-and-competition-decoding-australias-retirement-reform-consultation" ["image"]=> string(102) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1754961717/man-charts_c3axzv.jpg" ["image_alt"]=> string(87) "Cohorts, credits and competition: decoding Australia’s retirement reform consultation" } [4]=> object(stdClass)#8560 (57) { ["id"]=> int(18692) ["title"]=> string(93) "Australian employment data shows mixed signals as full-time jobs rise despite overall decline" ["alias"]=> string(93) "australian-employment-data-shows-mixed-signals-as-full-time-jobs-rise-despite-overall-decline" ["introtext"]=> string(208) "Australia's employment landscape presented mixed signals in May, with overall employment declining despite a strong rise in full-time positions, according to analysis of the latest Labour Force data.
" ["fulltext"]=> string(1418) "Krishna Bhimavarapu, APAC Economist at State Street Global Advisors, said the employment figures reflected contrasting trends across the country.
"Australia's employment landscape remained mixed in May as overall employment declined despite a strong rise in full-time employment," he said.
Bhimavarapu noted that a large contraction in flood-impacted New South Wales could explain the downside surprise in the data.
However, he highlighted that Victoria also experienced a similar decline, suggesting broader factors may be at play.
The economist said the employment data may not be sufficient to alter the Reserve Bank of Australia's recent dovish stance on monetary policy.
"The big picture is that this data may not be sufficient to alter the dovish turn made by the RBA, as the strong labour market is not translating into strong growth (yet)," Bhimavarapu said.
He suggested the central bank could consider easing monetary policy in the near term, pending upcoming inflation data.
"Absent any surprise in inflation data next week, the RBA could very well consider a July rate cut," he said.
State Street Global Advisors is part of State Street Corporation, one of the world's leading providers of financial services to investors with US$46.8 trillion in assets under custody and administration, and $4.7 trillion in assets under management.
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Australia's employment landscape presented mixed signals in May, with overall employment declining despite a strong rise in full-time positions, according to analysis of the latest Labour Force data.
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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(105) "/earn-money/australian-employment-data-shows-mixed-signals-as-full-time-jobs-rise-despite-overall-decline" ["image"]=> string(116) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1751346843/pexels-cottonbro-5989928_n9nzf7.jpg" ["image_alt"]=> string(93) "Australian employment data shows mixed signals as full-time jobs rise despite overall decline" } [5]=> object(stdClass)#8559 (57) { ["id"]=> int(18677) ["title"]=> string(78) "Millennials face 'generational squeeze' as most vulnerable group in retirement" ["alias"]=> string(76) "millennials-face-generational-squeeze-as-most-vulnerable-group-in-retirement" ["introtext"]=> string(232) "Millennials will be the most vulnerable demographic to face the "generational squeeze" in retirement, caught between supporting elderly parents and adult children while funding their own later years, new research has found.
" ["fulltext"]=> string(4157) "The study by financial advisory firm Findex revealed 51 per cent of millennials believe they will need to support extended family members in retirement, with 32 per cent expecting to financially support elderly parents and 22 per cent supporting their children.
Across the broader Australian population, 43 per cent expect to use retirement funds to help family members, including children (22 per cent), elderly parents (20 per cent), siblings (15 per cent) and grandchildren (10 per cent).
The generational squeeze describes a situation where one age group becomes caught between two cohorts of financial dependents during retirement.
About one in five millennials expressed low confidence in their ability to support dependents in retirement, while 42 per cent of baby boomers and Generation X reported similar concerns.
Findex co-chief executive Matt Games said supporting dependents represents a hidden retirement cost often overlooked in financial planning.
"Financially supporting dependents in retirement tends to be a hidden cost," he said.
"We have clients coming to us with their retirement goals and expected expenditure, and often this excludes accounting for supporting dependents."
Games noted the Association of Superannuation Funds of Australia retirement standard of $73,011 annually for couples and $51,805 for singles does not factor in dependent support costs.
"It is vital for Australians to not only have a strong understanding of their own financial position and potential spending in retirement but to also engage, early on in transparent conversations with their own parents and older kids, to understand how their wider family unit will require monetary support so they can navigate the potential pressures of the 'Generational Squeeze'," he said.
The research identified retirement aspirations including establishing passive income streams (46 per cent), travelling extensively (44 per cent) and improving living standards (40 per cent).
Nearly one-third of Generation Z respondents (31 per cent) want to retire before age 60, while most millennials (37 per cent) prefer retiring between 60 and 64.
Generation X and baby boomers anticipate later retirement between 65 and 69.
However, retirement aspirations often clash with financial reality, with main concerns including running out of money (54 per cent), physical and mental deterioration (50 per cent) and unexpected expenses (44 per cent).
Only one in four Generation X and baby boomer respondents believe they will retire at their preferred age, with 35 per cent considering it unlikely they can afford comfortable retirement until average life expectancy.
Younger generations showed more optimism, with 74 per cent of Generation Z and 69 per cent of millennials believing they can retire at their desired age.
Different generations are adopting varying strategies to secure retirement funding.
Generation X and baby boomers focus on lifestyle sacrifices, with 46 per cent considering postponing retirement beyond 65, 34 per cent scaling back major purchases and 24 per cent considering early downsizing.
Millennials are pursuing wealth generation through additional income streams (47 per cent) or second jobs (24 per cent), with 42 per cent recognising the value of professional financial advice.
Generation Z respondents are making early life decisions to reduce retirement costs, including 14 per cent choosing not to have children and 27 per cent opting for fewer children.
Games emphasised the importance of tailored financial planning for each individual's circumstances.
"Everyone's financial situation is unique, and this is an opportunity for Aussies to evaluate what they want in retirement, consider their financial standing – and as we know, their wider family unit's financial standing – to better prepare for this life stage without needing to work longer, harder or sacrifice comfort," he said.
The research surveyed 1,000 Australian respondents through YouGov in March 2025.
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Millennials will be the most vulnerable demographic to face the "generational squeeze" in retirement, caught between supporting elderly parents and adult children while funding their own later years, new research has found.
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object(stdClass)#8748 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(3) ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#9299 (33) { ["id"]=> int(4) ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> int(2351) ["ordering"]=> int(1) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8747 (3) { ["data":protected]=> object(stdClass)#8745 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8746 (3) { ["data":protected]=> object(stdClass)#8776 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#9287 (33) { ["id"]=> int(6) ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> int(2351) ["ordering"]=> int(2) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8742 (3) { ["data":protected]=> object(stdClass)#8778 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8775 (3) { ["data":protected]=> object(stdClass)#8780 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#9308 (33) { ["id"]=> int(3) ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> int(2351) ["ordering"]=> int(3) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8777 (3) { ["data":protected]=> object(stdClass)#8785 (1) { ["options"]=> object(stdClass)#8783 (2) { ["options0"]=> object(stdClass)#8782 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#8784 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8779 (3) { ["data":protected]=> object(stdClass)#8787 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#9224 (33) { ["id"]=> int(5) ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> int(2351) ["ordering"]=> int(4) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8781 (3) { ["data":protected]=> object(stdClass)#8789 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8786 (3) { ["data":protected]=> object(stdClass)#8791 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#9307 (33) { ["id"]=> int(2) ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> NULL ["checked_out_time"]=> NULL ["note"]=> string(0) "" ["state"]=> int(1) ["access"]=> int(1) ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> int(2351) ["ordering"]=> int(5) ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#8788 (3) { ["data":protected]=> object(stdClass)#8793 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#8790 (3) { ["data":protected]=> object(stdClass)#8795 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> int(2) ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> int(0) ["only_use_in_subform"]=> int(0) ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> int(1) ["group_state"]=> int(1) ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(88) "/earn-money/millennials-face-generational-squeeze-as-most-vulnerable-group-in-retirement" ["image"]=> string(114) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1747912541/pexels-shvetsa-3987034_kf7pkk.jpg" ["image_alt"]=> string(78) "Millennials face 'generational squeeze' as most vulnerable group in retirement" } }
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