Investment Insights – December 2025

Understanding markets as we head into the new year

Our Investment Insights – December 2025 report is now available, providing a forward-looking perspective on markets, economic conditions and key themes shaping the investment landscape.

This report is designed for clients interested in understanding the broader drivers influencing markets as we move into the year ahead.

Investment Insights December 2025

What’s covered in this report

In this edition, the Investment Insights report explores:

• Inflation and interest rate expectations, including recent shifts in Australian cash rate outlooks

• Global equity markets, with a focus on earnings growth expectations and valuation trends

• The outlook for 2026, including key risks and opportunities across markets

• Artificial intelligence adoption and its growing impact on productivity and corporate earnings

• Australian housing and household debt, and the implications for the broader economy

Read the full Monthly Economic Update

Download the Report

Final thoughts

As we head toward the end of the year, the December Investment Insights report highlights a market environment shaped by solid earnings momentum, evolving interest rate expectations and the growing influence of structural themes such as artificial intelligence.

While volatility is likely to remain a feature as markets respond to economic data and policy settings, diversification and a long-term focus remain key for navigating periods of uncertainty.

If you’d like to discuss how the December 2025 Investment Insights may relate to your own long-term investment approach, our team is here to help.

You might also like to read our November 2025 Market Update for a detailed month-by-month view of recent market performance.

Middleton Financial Planning Pty Ltd is a Corporate Authorised Representative (No. 450278) of Matrix Planning Solutions Pty Limited ABN 45 087 470 200 AFSL No. 238256. This document provides general advice only and not personal financial advice. It does not take into account your objectives, financial situation or needs. Before acting or making any investment decision, you should consider your personal financial situation or needs, consult a professional adviser, and consider any applicable disclosure documents. 

Information in this document is based on sources believed to be reliable, but Middleton Financial Planning does not guarantee its accuracy. All opinions expressed are honestly held as at the applicable date. Neither the information, nor any opinion expressed, constitutes an offer, or invitation, to buy or sell any financial products. Middleton Financial Planning does not accept any liability to any person or institution who relies on this document and the information it contains and shall not be liable for any loss or damage caused to any person in respect of this document and the information it contains. 

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