News

Investing for long-term wealth? It pays to be boring.

Consistent, steady, predictable returns, along with the magic of compounding, are what protect, preserve, and build capital. When it comes to investing for long-term wealth, it pays to be boring. While equity markets rise and fall, real estate private credit has delivered steady, uncorrelated returns.

While this may seem boring to some investors, for us, that very consistency is what makes real estate private credit worthy of consideration in every investor portfolio.

A moderate economic recovery helps keep inflation on target

Growing evidence of a recovery in GDP growth, including household spending, has seen the futures market pare back pricing for future interest rate cuts. In effect, one 25 basis point interest rate cut has been ‘taken out’ of market pricing in the past month to the point where just two further cuts are priced between now and the middle of 2026.

Commercial to commerciality: Why terms matter in private credit

STOCKHEAD & THE AUSTRALIAN
The term ‘commercial’ has been synonymous with property for decades. It conjures images of office towers, industrial blocks, and retail precincts. However, in the context of commercial real estate debt (CRED) – part of the broader real estate private credit market – commercial doesn’t describe the building, but rather, the underlying loan transaction. It’s about lending to a commercial borrower, typically a developer, and assessing the quality of the sponsor, the project, risk exposure, and execution. Tom Cranfield, Executive Director of Risk & Execution at Zagga, explains why this distinction matters for investors.

Some encouraging signs in the economy as interest rate cuts continue

There is a growing list of economic indicators pointing to stronger growth in consumer spending and sentiment, dwelling construction, business confidence and exports. These more favourable trends have been positively influenced by falling inflation and solid wages growth.

Commercial loans aren’t just about glass towers and malls: Zagga

STOCKHEAD & THE AUSTRALIAN
SMSFs are turning to private credit, says Zagga, which is focused on showing “commercial” lending is less about skyscrapers and more about strong sponsors, steady margins and projects that actually stack up.

Interest rates cut again — what it means for the economy

The Reserve Bank of Australia has delivered its third interest rate cut of 2025, trimming the cash rate by another 25 basis points. Since the start of the year, cumulative rate reductions have begun to pack more of a punch — and the RBA hopes this momentum will help bolster economic growth and prevent unemployment from climbing too far.

Private Credit in Australia: Collaboration, Discipline, and the Path Forward

At the recent Commercial Property & Development Finance Summit, industry leaders came together to discuss one of the most significant shifts in Australia’s commercial real estate finance — the rapid rise of private credit.

From growth to income: Why Division 296 could trigger a shift in investment priorities

SMSF ADVISER
Tax has historically been levied on realised gains – profits made, not valuations. Division 296 breaks that tradition, creating a scenario where investors may owe tax on unrealised gains – values that could just as easily reverse.

This adds complexity for investors: it’s no longer just about selecting asset classes, but about structuring portfolios to manage tax exposure.

How sophisticated investors are accessing the private credit boom

STOCKHEAD & THE AUSTRALIAN
While the benefits of CRE debt are increasingly recognised, one fundamental question persists: how should investors access real estate private credit – directly or via a fund?

Both routes can be rewarding. What also needs to be considered is manager selection and doing your research to understand the structure, liquidity terms, and underlying credit processes. Now is the time to be diversified and defensive; in today’s uncertain investment environment, Australian real estate private credit is being duly recognised as an asset class of choice.

In a choppy world, SMSFs are steering toward calmer waters in private credit

STOCKHEAD & THE AUSTRALIAN
As the dust settles on a turbulent financial year, and Division 296 looms large on the super tax horizon, Aussie investors are waking up to a sober truth: you don’t have to shoot the lights out to build a smart portfolio. Sometimes it’s about holding the torch steady.

The focus has now shifted from big swings for capital growth to something a little more… sensible. Income, consistency, capital preservation.

And that’s why private credit, a once-niche corner of the market, is starting to get more airtime.

Blog Posts

Investing for long-term wealth? It pays to be boring.

A moderate economic recovery helps keep inflation on target

Commercial to commerciality: Why terms matter in private credit

Some encouraging signs in the economy as interest rate cuts continue

Commercial loans aren’t just about glass towers and malls: Zagga

Interest rates cut again — what it means for the economy

Private Credit in Australia: Collaboration, Discipline, and the Path Forward

From growth to income: Why Division 296 could trigger a shift in investment priorities

How sophisticated investors are accessing the private credit boom

In a choppy world, SMSFs are steering toward calmer waters in private credit

Do you have questions about investing through Zagga?

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