lerquorivaxo
Making sense of market movements through real data and practical experience
The Reserve Bank held rates steady again last month. But here's what surprised me when looking at the data—property yields in Sydney's west actually improved despite flat capital growth. I spent the last three weeks comparing historical patterns from 2018 to 2023, and the correlation between rate pauses and subsequent market behaviour isn't what most commentators suggest.
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BNPL services changed consumer spending patterns dramatically over the past eighteen months. I've tracked purchase behaviour across three different income brackets, and the results challenge some popular assumptions about financial responsibility.
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New legislation passed in late 2024 affects how employer contributions interact with salary sacrifice arrangements. Most financial advisors I've spoken with haven't adjusted their recommendations yet—but they probably should.
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Everyone talks about how small caps struggle when rates rise. But when you separate out companies with actual revenue growth versus those burning cash, the picture gets more interesting. Here's what twelve months of ASX data revealed.
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Lead Analyst
The disconnect between what financial news reports and what actually moves markets kept me up at night for years. Then I started tracking patterns nobody else seemed to notice.
Most market commentary focuses on the obvious stuff. Interest rate decisions. GDP announcements. Big corporate earnings. And sure, those matter. But after analysing market movements for the past seven years, I've found that smaller indicators often tell you more about where things are heading.
Take building approvals, for instance. They peaked in Queensland's regional centres four months before anyone in Sydney noticed a shift. Or look at retail electricity contracts—renewal rates started dropping in September 2024, well before consumer confidence surveys reflected any change. These quiet signals add up.
That's what drives my research here at lerquorivaxo. Finding the patterns that only become obvious in retrospect—and helping people recognize them before everyone else does. Not every trend matters. But the ones that do? They usually whisper before they shout.