Tariff announcement: Thoughts from Viral Patel - Director of Research, Australia

Liberation day or ‘T-day’ (Tariffs not Trump) was 2 April 2025. And it was a big day.

History of tariffs - Why is the US is raising tariffs?
Since the end of WW2, the US has significantly dropped tariffs to allow the world to recover, and then grow, based on the US economy and consumer engine. The proposed tariffs could take effective rates back to the start of the 1900s. This would be the most painful for countries that have large exports to the US. Plus, for many of these countries, they have not contributed their fair share to NATO while relying on the US to defend them. Now, they have to increase their defense spend and face tariffs, and the combination of those two things has the potential to make a significant negative impact. On the other hand, the US government would look to benefit from these tariffs and be able to pay back some of their debt. However, this will have an impact on inflation and global growth, which will in turn impact markets. With that being said, the impacts will differ by country, sector and company, and that is where active management can uncover opportunity.

Existing US effective tariff rates (custom duty/total imports)


What was announced on 2 April 2025
The tariff announcements were a lot higher than the market anticipated. The good thing is that there should be more clarity, especially around what could be the worst-case scenario, which is what was recently announced in the reciprocal tariffs. This is shown in the list below of recently announced reciprocal tariffs.

Now the stage is set for bilateral negotiations. If those aren’t successful, it will lead to current tariff levels. If successful, it could lead to some lower tariff levels than what is now in market. Given we are unlikely to see the end of this news cycle and policy developments, investors should expect market volatility to remain elevated in the coming days and weeks. 

Impacts on different countries
There are clearly both winners and losers emerging, which makes careful stock selection critical to navigating this challenging environment. Our global platform gives us a clear advantage in gathering real-time on-the-ground information and enables us to assess potential opportunities by region with analysts in our offices across the globe. Approximate impact on regions can be seen in the chart below showing imports and exports from the US to various countries across the world. 

US liberation day - reciprocal tariffs in focus
Approximately 15 trade partners account for nearly all the trade deficit in the US

As we can see from these illustrations, Australia will only have a 10% tariff with about USD$20bn of exports to the US. And that is before any negotiation. India with 26% on USD$88bn. Pharma, which is a big export, is exempted. IT will be impacted, but the volatility has created opportunities for investment in the sector. Notably for India, as compared to China and other Asian countries, it has fared better and provides them with a competitive advantage over many other Asian countries. These new tariffs could have the biggest impact on China, EU, Mexico, and Canada given the significant amount they export to the US.

Australia: Relatively low impact given lower level of exports to the US and lower tariffs
As we better understand the tariffs, we see that there are different levels of impact. For example, pharmaceuticals are exempted from tariffs so this could have a positive impact for our big pharma manufacturers. For those companies with US based manufacturing, we see this as a net positive, but for those manufacturing in high tariff countries and exporting to the US, this could hurt. Retailers importing from China could potentially get better rates as capacity frees up if we see China exports to the US fall. Added complexity in the global supply chain could benefit those with systems that help ease the additional complexity. The impact on banks could come from lower growth or higher defaults for companies exporting to the US, but no first order impacts from the tariffs. For metals and mining, the impact is more around 2nd order impacts on Chinese growth, based on what impacts the tariff could have. We believe REITS and infrastructure should benefit in a volatile environment. We have an Australian election coming up, which will be a big driver on growth and markets. The election result could also impact outcomes from negotiations with the US government on tariffs. In Australia, we view tariff and election uncertainty as a driver for higher volatility, for now.

Trump’s tariff announcement: Implications for Australian investors

In our latest articles from Morningstar and Russell Investments, we delve into the newly introduced tariffs, their potential effects on Australian markets, and how investors can navigate the current market volatility. Gain valuable perspectives from both sources to stay ahead in these uncertain times.

For more insights, click the links below:
Morningstar | Trump’s tariff announcement: Implications for Australian investors
Russell Investments | How to Make Sense of Trump's 'Tough Love' Tariffs

Considerations with ESG investments – what you need to know

Environmental, social, and governance (ESG) investments are becoming more popular as people become increasingly aware of the need to consider how a company is run when making investment decisions. The goal is to generate financial returns while ensuring a positive social and environmental impact.

However, there are some key challenges that you must consider before making ESG investments, both to protect your return on investment and to ensure you achieve a positive social and environmental impact. In this blog post, we’ll explore these challenges in more detail — keep reading to find out what you need to know before making an ESG investment.

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Missing the bounce? Why market patience matters

Market volatility can be unsettling, especially when investment portfolios take sudden dips due to unpredictable economic or geopolitical events. Yet, history consistently shows that volatility is a natural part of market cycles, and investors who maintain discipline and patience during turbulent times often reap substantial rewards when markets rebound. 

Missing out on these rebounds can significantly diminish long-term potential earnings, effectively locking in losses that might have otherwise recovered.

Read full article: Missing the bounce? Why market patience matters | Advice Evolution

Advice Evolution & Fintegrity Newsletter - March

Stay up-to-date with the tips, news and updates from Advice Evolution and Fintegrity’s latest newsletter.

  • Is a self-managed super fund right for you? Balancing flexibility with responsibility

  • Navigating redundancy: why financial advice is essential and 10 tips for getting help

  • The benefits of insurance coverage for young professionals and why advice is crucial

Read the newsletter here

Oliver's Insights - Australian home prices turning back up again

The key points are:

  • CoreLogic data shows average home prices rose 0.3% in February, after a brief three-month downturn of just 0.4%.

  • The upswing came in anticipation of, and then confirmation of, an RBA rate cut which boosted buyer confidence.

  • Annual growth in rents slowed to 4.1%yoy, the slowest since 2021. Poor rental affordability leading to rising average household sizes and easing student arrivals are weighing on demand for rental property.

  • Australia continues to have a chronic shortage of homes, estimated to be around 200,000 dwellings and possibly as high as 300,000. This partly explains the resilience of home prices despite the rise in mortgage rates since May 2022.

  • RBA rate cuts are expected to drive a modest upswing in average prices this year. However, while there is still a big housing shortfall in Australia, the upswing will be starting from a point of still poor affordability, interest rates are only likely to fall modestly, and population growth is slowing.

  • After 4.9% growth last year, we expect average property prices to rise around 3% this year.

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Advice Evolution and Fintegrity Monthly News Update

Welcome to this month's update from Advice Evolution and Fintegrity, where we share the latest insights and developments to keep you informed in today’s evolving landscape.

Top 10 concerns of retirees and how financial planners can help

Retirement marks the beginning of a new chapter—one filled with opportunities for relaxation, travel, and spending time with loved ones. 

However, it also brings unique challenges and uncertainties that can impact financial security and overall well-being. From managing healthcare costs to ensuring that savings last, retirees face a variety of concerns that require thoughtful planning and professional advice. 

Top 5 reasons people fear consulting a lawyer and why they should reconsider

Seeking legal advice can be a daunting task for many people. 

The idea of consulting a lawyer often stirs up feelings of anxiety and hesitation. Whether it’s due to misconceptions about the legal profession or personal experiences, people tend to avoid legal consultations until absolutely necessary. 

Renting a property to live in: key considerations and questions for your landlord

Renting a property is a significant decision that can impact your lifestyle, financial situation, and overall comfort. 

Whether you’re moving into your first apartment, relocating for work, or downsizing, understanding the rental process and knowing the right questions to ask can help you avoid unexpected surprises. 

Determining the right amount of life insurance coverage: the role of a financial adviser

Life insurance is a crucial financial tool designed to provide financial security to your loved ones in the event of your passing. 

However, determining the right amount of coverage can be challenging, as it depends on various factors such as income, debts, dependents, and future financial goals. 

Why is wellbeing important & what do we need to do to achieve it?

When people come across the term wellbeing, they usually associate it with physical health. However, wellbeing also encompasses other aspects of a person, namely their mental, social and spiritual health.

The reason wellbeing is so important is that it influences one’s outlook on life and a sense of happiness and satisfaction.

Advice Evolution & Fintegrity Newsletter - February

Stay up-to-date with the tips, news and updates from Advice Evolution and Fintegrity’s latest newsletter.

  • Understanding generational segments: lifestyles, financial needs, and technology expectations

  • Top 10 questions to ask your financial adviser and why a close relationship is key through life’s stages

  • The importance of financial advice in living a lifestyle of choice

Check out the newsletter

Oliver's Insights - Seven key charts for investors to keep an eye on

The key points are:

  • So far shares have been relatively resilient but uncertainties are mounting particularly around Trump’s policies.

  • We remain upbeat on a 12-month view but expect a rougher more constrained ride this year for shares, with a 15% plus correction likely somewhere along the way.

  • Seven key charts worth watching are: Trump’s tariffs; long term inflation expectations; inflation; business conditions PMIs; profit growth; the gap between earnings yields and bond yields; and the $US. Right now, they are mixed.

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How will the rate cut impact your mortgage?

The Reserve Bank of Australia (RBA) recently cut the cash rate by 0.25%, prompting many lenders to reduce their variable interest rates, potentially lowering your repayments.

The Moneysmart mortgage calculator can help you see how this change affects your payments and assist with planning.

If you're benefiting from the rate cut, consider using the extra cash to pay down credit card or buy now pay later debt, start a savings habit, or even keep paying the higher rate to pay off your mortgage faster. Every dollar counts, so plan how you can make the most of this extra money.

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Oliver's Insights - The RBA starts cutting rates

The RBA starts cutting rates -implications for the economy and investors

The key points are:

  • As widely expected, the RBA cut its cash rate to 4.1% from 4.35% after 13 rate hikes reflecting “more confidence that inflation is moving sustainably towards” the 2-3% target.

  • However, the RBA noted that it is “cautious on prospects for further policy easing”.

  • We expect the RBA to cut again in May and August taking the cash rate to 3.6% this year with another cut next year.

  • The start of a gradual easing cycle should help provide support for the shares and home prices, albeit some of the good news on rates has already been factored in.

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Oliver's Insights - Investment outlook Q&A

Investment outlook Q&A - Tariff man & Aust exports, the RBA, $A & gold

 The key points are:

  • Trump’s tariff war has potentially another 6-9 months to go at least. This poses an ongoing threat to shares, but their relative resilience so far risks emboldening Trump to do even more.

  • Even if Australian exports are not exempted from US tariffs the direct economic impact will be minor eg, steel and aluminium exports to the US are just 0.03% of Aust GDP.

  • The RBA is expected to start cutting interest rates next week and trade war uncertainty adds to the case to cut.

  • It could take till 2032 before Australian real wages get back to 2020 levels. Decent economic reforms could speed this.

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Oliver's Insights - More Trump tariffs (and deals) - implications for investors and Australia

The key points are:

  • US President Trump has announced tariffs on Canada, Mexico and China and is threatening more tariffs.

  • The one-month delay to tariffs with Canada & Mexico is a sign they may be averted, but the uncertainty with more tariffs likely means a volatile ride for investment markets.

  • Australia is vulnerable to a US/global trade war via a hit to China, but its less vulnerable than many other countries.

  • Trump’s trade war adds to the case for an RBA rate cut as its more of a threat to Australian growth than inflation.

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Advice Evolution & Fintegrity Monthly News Update

Welcome to this month's update from Advice Evolution and Fintegrity, where we share the latest insights and developments to keep you informed in today’s evolving landscape.

Market volatility: why time in the market matters more than timing the market

Market volatility is an inherent part of investing. Prices fluctuate due to economic changes, geopolitical events, and investor sentiment. 

While the unpredictability of the market can cause anxiety, it’s essential to understand that volatility is a natural component of long-term wealth creation. Instead of fearing it, savvy investors embrace it with a calm, disciplined approach, focusing on the principle that time in the market is far more critical than attempting to time the market.

Understanding estate planning and key legal tools: why legal advice is essential

Estate planning is the process of organising and managing your assets during your lifetime and determining how they will be distributed after your death. 

It goes beyond simply writing a will; it involves making key decisions about property ownership, financial management, and medical care in the event of incapacity. 

Aussie-made tax breaks urged to combat forced labour

The rapid shift to renewable energy should not depend on forced labour to dig up and process critical minerals to make batteries, solar panels and wind turbines, an anti-slavery expert says.

Fiona David, creator of the Walk Free Global Slavery Index, is calling for a “bi-partisan approach” on proposed tax breaks to boost Australian-made products as another salvo against human trafficking and modern slavery.

Solar boost could mean good news for renters, regions

Low-income households, renters, and people in regional and rural areas could be among those who benefit most from greater investments in solar energy projects.

Environment and community groups issued their assessments on Tuesday after Energy Minister Chris Bowen revealed he had directed the Australian Renewable Energy Agency (ARENA) to accelerate solar electrification projects.

Bid for better education standards to fix skills crisis

Australia must set new education targets aimed at returning to the 10 top rankings among developed countries for key subjects, or else risk a chronic skills shortage, a peak business group says.

It calls for a lift in standards to reverse the decline in students’ performance and for a careers counsellor to be placed in every school to help meet future demand.

Neil Rogan on Fear & Greed: How advisers deliver value beyond their fees

Neil Rogan, Managing Director and Head of Distribution, sat down with Sean Aylmer on the Fear & Greed podcast to unpack the findings of our 2024 Value of an Adviser report. From helping clients navigate emotional decisions during market volatility to optimising tax strategies and enhancing retirement outcomes, financial advisers deliver value that typically exceeds the fees they charge.

Listen to the podcast

Moneysmart tips: Is 2025 your year to thrive?

Kickstart 2025 with a financial reset
Decided that this year is the year you'll build a healthier relationship with money? 

Getting on top of your finances is one of the most common new year's resolutions. And while more than half (52%) of Australians will set a financial goal for 2025, only about 1 in 8 (12%) will stick to it. 

You don’t have to overhaul your life to achieve your financial goals. Even small changes can make a big difference over time. 

Money saving tips 

·   You may be spending too much on streaming services. If you haven’t used a streaming service in months, it’s time to hit that unsubscribe button. Doing a budget can help you identify other expenses you might want to cut back on. 

·   Automate your savings to build an emergency fund. Set up a recurring transfer to your savings account – even $1 or $2 a day, if you can afford it, can help over time to set aside money for unexpected expenses that may come up. 

·   Your super is your income in retirement. Take five minutes when your next super statement arrives to review your balance, fees, and investment options. You can check MoneySmart’s handy guide on how to review your super is here to help.

·   If you got into debt over the holiday period, make a plan to pay it off. It'll feel great to have it behind you.

Visit Moneysmart.gov.au for more simple, actionable tips you can take. 

Advice Evolution & Fintegrity Newsletter - January

Stay up-to-date with the tips, news and updates from Advice Evolution and Fintegrity’s latest newsletter.

  • Life insurance offers a sense of relief and security for both policyholders and their beneficiaries

  • Lifetime pensions urged to make super system easier

  • Ethical investing: what types are there plus the pros and cons

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Oliver's Insights - What’s driven the fall in the $A? Does it threaten inflation and RBA easing?

The key points are:

  • The $A has been hit since September by the return of Trump, a hawkish pivot by the Fed versus the RBA and concerns about the outlook for iron ore prices.

  • We doubt the fall is significant enough to boost inflation much and shouldn’t stop the RBA easing in February if underlying (or trimmed mean) inflation falls as expected.

  • In any case, it’s now had a bit of a bounce from oversold levels as Trump has refrained from Day One tariffs opting for government agencies to investigate unfair trade & tariffs and reportedly more of a negotiating approach. 

  • The $A could be stuck between $US0.60 and $US0.70, but with the risk skewed to the downside if Trump acts more aggressively on tariffs in the months ahead. Note that Trump still said in his inaugural speech that tariffs are coming.

Read full article

Advice Evolution & Fintegrity Monthly News Update

Discover valuable insights to help you stay informed, prepared, and empower you to navigate challenges, make informed decisions, and stay on track toward your goals.

Deceased estates: navigating a difficult time with compassionate legal support

Losing a family member or loved one is one of life’s most challenging experiences. 

Managing the legal and administrative responsibilities of a deceased estate can feel overwhelming amid the grief and loss. 

Financial New Year Resolutions to make in 2025

The new year is a perfect time to reflect on your achievements from the ending year and to plan for the new year.

While you can also make resolutions for other aspects of life, financial success should be at the top of your list.

6 tips to overcome the deposit barrier

In Australia, the deposit barrier is a significant challenge for many people who wish to buy their own homes. 

Saving up for a deposit can be a daunting task, especially for first-time homebuyers. 

Tax planning strategies for small businesses

Every dollar counts in business, especially for small enterprises. Therefore, you need to find ways to minimise your tax liability in addition to optimising income or profit.

Welfare payments, wage theft laws to change in new year

Major changes are coming to welfare payments and wage theft laws in 2025. Stay informed about the new regulations that will impact Australians this year.

Advice Evolution and Fintegrity Newsletter - December 2024

Welcome to the December 2024 edition of the Advice Evolution and Fintegrity Newsletter. This month, we explore key insights on managing rising business insurance costs, potential tax changes for large superannuation withdrawals, and strategies for effective retirement planning. Stay informed on the latest trends and developments to help secure your financial future.

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