So they are stuck with the "life book" liability and AMP Bank and AMP wealth which are suffering from 50 knot headwinds.
There is nothing in the AMP business that isn't heading or at the very bottom of their cycle.
The only way this could get worse would be if we saw a bear market, which would squeeze their AMP capital arm, which I would speculate would end in collapse.
Lot's of good reasons to not own AMP right now. Not convinced this is the bottom, not by a long shot.
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So they are stuck with the "life book" liability and AMP Bank...
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