Chart - Z1P, page-6943

agree with this entirely, but you've only mentioned Aus though.

it's inevitable in time that the long rates will rise with healthy nflation. it's signs of a strong economy.

zip model will thrive regardless of whichever interest rate environment it's working with, however it isn't the Aus rates that concern anyone, it's the US - which is our largest target market at the minute

RBA have locked the rates down here until 2024 because we had some of the harshest lockdowns seen (most Victoria) and with nil immigration, the low rates have bolstered the property market, hence the recent explosion in property growth (little thanks to overseas buyers this time)

The stim package in the US will keep the transition of long rates rising, at bay, at least for the next year or two anyway (similar time line as RBA).

with explosive growth in consumer spending seen in Europe, Americas and Asia PAC, its inevitable rates will rise in time.


long story short, no interest rate threats for at least the next 2+ years here and overseas, but people need to get used to the idea of inflation and long rates increasing at some stage.

z1ps model should be sound enough and diverse enough to thrive in whichever environment - solid inflation means strong economies - strong economies means more business for zips clients, and subsequently zip

just my opinion dyor