The Investor Exchange

This week, the Joel, Brett and Louis return to the podcast with a commentary on next year’s US election. Joel discusses the recent and historical impact that virus outbreaks have on the share economy and what position we should take to protect our holdings.  Brett shares insight on incentives in owning and investing in commercial property vs residential real estate. Louis expands on how we can maximise chances of achieving our very big goals.

This Week’s Investor Exchange Round Table Covered:

The podcast begins with a discussion around next year’s U.S election. Michael Bloomberg, the 11th richest man in the world with a net worth of $50 billion is now in the race against Donald Trump. We discuss the economic factors around election and re-election of presidents and where the U.S is gearing towards next years.

* Coronavirus and the share market: Joel brings with him historical data from outbreaks like SARS, Bird Flu, Swine Flu, Polio, Ebola and Zika to forecast what will happen in the markets as a result of the Coronavirus. This data covers impact of these outbreaks over 12 months and Joel gives us his recommendation on what we should do with our share market position during a viral outbreak. The round table also briefly discusses the share price movement of Tesla which recorded a 50% increase followed by a 25% decrease in the past week.

* Commercial Real Estate: Brett discusses the potential risks and rewards in investing in commercial real estate and discusses the current trends that we are seeing in this market. He dissects Australian geographical data of the commercial real estate market and provides us with real information on what the market is currently expecting for potential investors.

* Reaching your BIG goals: As an active contributor to the United Global Capital blog posts, Louis expands on his recent topic of  pathways to success. He speaks about the mindset and behavior that successful people have that helps reach their big life goals and gives us real advice on what we can  integrate in our day to day lives.

 

You Cannot Be Serious

Bitcoin Auction: In the U.S, the federal government has seized approximately USD$38m worth of bitcoin that they are now auctioning out to the public. If you are a U.S resident with a minimum $200,000 deposit, you are eligible to apply before February 12.

Lottery Losers: According to a study by the financial planning association in the U.S, one third of lottery winners end up broke.

Expelled Over Instrument: A student has recently been expelled as he drummed the tune of a familiar adult website theme song in a school talent show.

 

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

This week, Joel, Brett and Louis discuss climate change and how that impacts the real estate market and your future retirement fund. Joel addresses the record high valuation of Tesla and how it compares to other major car manufacturers. Louis brings with him the common trait that successful people share and how we can set ourselves up for future success.

This Week’s Investor Exchange Round Table Covered:

The episodes begins with a controversial lawsuit filed by a 23-year old gentleman called Mark McVeigh. He is suing the $50 billion super fund REST superannuation as he believes that they are not doing enough in their investing strategy to gear against climate change. Joel, Louis and Brett weighs in a on whether investing in environmental funds will affect the behavior of companies involved in pollution.

Market Update: Tesla share price closed at $640 last night from a price of around $180 this time last year. Using Tesla as an example Joel explains how they were able to soar in the stock market and whether they will be able to continue this momentum moving forward. Furthermore, with Brexit formalised and the Coronavirus increasingly prevalent in the headlines we are starting to see a correction in the market. Joel gives us insight on what the outcome from this correction would be and what to do during this sell off.

Real Estate Update: Continuing on the subject of climate change, Brett talks about the impact that these bushfires would have to median house priors in the affected regions. He utilises historical data and current data to forecast these impacts and gives us an idea of what to expect in the near future.

Personal Wealth: Austria has just elected the youngest country leader in the world, Sebastian Kurz. He will be commencing his role as the Chancellor of Austria at the young age of 33 years old. In recent times we are seeing a prevalence of young country leaders and people who achieve success early on in life. Louis dissects this phenomenon by talking about the advantages they have and the common traits that these successful people share.

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

The episode begins with an introduction of how the residential real estate market plays into the economy as a whole. How can we evaluate the future volatility of the real estate market based on things like unemployment, world events as well as interest rates. The real estate market is consistently plagued by rumours of recession and the viability of those rumors are dissected in this episode of the podcast by United Global Capital’s Head of Property Development, Brett Dickinson alongside Stephanie, Joel and Louis.

This Week’s Investor Exchange Round Table Covered:

* Real Estate Economy: The last real estate recession occurred almost 20 years ago in 1991. Will there be a recession coming up soon? Brett evaluates the affordability of Melbourne’s most in demand dwellings alongside employment, interest rates as well as median house prices to bring you up to speed on the current situation. Furthermore there is a discussion on the types of buildings and characteristics you should look out for if you are thinking of buying an apartment.

* New First Home Owner Schemes: In 2020, there is a first home loan deposit scheme introduced by the government as well as an introduction of new mortgage insurance. The first home loan deposit scheme is eligible for those who fall within an income and house pricing category and varies for different location. Louis explains the criteria of these schemes and helps us understand what it means for our home loan.

* Stock Market Update and the Coronavirus: The stock market is currently at an extreme optimism which often hints at a potential market correction. Especially now that we are seeing the Coronavirus hitting the new headlines. Joel answers the deep questions that we have about what we should expect in the next few months and how we can navigate a market correction.

 

You cannot be serious

A Charitable Bet – Supermac’s has committed to donating $1000 for every set that Nick Kyrgios wins in the Australian Open.

Tiny Gold Coin, Big Discovery – Switzerland has minted a gold coin that is just 2.9mm tagged the “World’s Smallest Gold Coin”. If you look closely enough, you will see Albert Einstein sticking his tongue out at you!

Powerful Wordplay – In New Zealand, the Abalone shellfish is called a Paua, the New Zealand Fishery has put forward to parliament to be renamed as the Paua Rangers.

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

The episode kicks off with a discussion about how the 2020 Australian bushfires will affect major economic sectors such as tourism, insurance and construction. With uncertainties removed after the finalisation of trade numbers, the stock market has begun to rally into new highs, Joel gives us his perspective on what we should expect this year. Brett brings with him research about what immigration an birth rates mean for the Australian residential property market in the long run. Louis expands on new ATO regulations in self-managed superfund and how that has contributed to an over 2.5 billion dollars recovery to accounts.

* Stock Market Update: In the last podcast Joel has expressed positive sentiment for 2020 due to major political resolutions occurring around the end of 2019. Since then, his prediction has proven right as we are seeing new highs in major indexes such as the S&P 500, NASDAQ and Dow Jones. He gives us insight of which sector have the best upside potential this year and also a run down on his own portfolio performances and results in  the calendar year 2019.

* Property Update: Australia is recording the lowest record birth rate but with the highest numerical amount of babies to date. Brett dives into a conversation about birth rates, population changes as well as immigration and to what extent these factors are currently affecting the residential real estate market. As we see a 12% growth in dwelling approvals in November last year, Brett gives us valuable insight about what to expect if you’re looking to buy or rent this year.

* Personal Finance Update: Louis tackles the topic of procrastination and what we can do to break out of this behavioural pattern. It was reported by the ATO last year that there was a total of $2.16billion unclaimed superannuation balances in inactive superannuation accounts. Louis gives us a rundown of where the money has gone and what we expect to see in the future.

 

You cannot be serious!

The Big Acronym Fail – Subaru released a new limited edition model of the Subaru Forester at the Singapore 2020 Motorshow. It was named the Forester Ultimate Customised Kit, an accidental PR success or a total PR disaster?

Do Not Hide In Your Instrument Case – After finding out that an infamous executive of Nissan has attempted to escape capture by hiding in an instrument case, YAMAHA has sent out warning to its consumers telling them that hiding in the instrument case may results in death.

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

This week, Joel, Brett and Louis gives us a 2019 review on major political events, government financial initiatives, stock market movers and residential real estate statistics. Some events that are covered include the US-China phase 1 trade deal, Brexit, major bank fines as well as tax revenues by the ATO.

This Week’s Investor Exchange Round Table Covered:

Major Political Updates

The big bank fail: We saw in the recent months that regulators have tightened their reigns by holding Westpac responsible for illegal transactions and inappropriate advice. This week NAB is making headlines for potentially seeing a $10 billion fine for charging fees for no service, including accounts of deceased individuals. Following the scandal, we have receive news from the RBA head of financial stability that there are new technology disruptions that pose significant threats to banks’ power over consumers.

Federal Government Economic Update: Surpluses for the Federal Government has downgraded from $7.1b to $5b, noted from the recent mid-year economic update release. Major contributors included droughts, additional age care expenditures as well as an overall sluggish retail environment. However, we are seeing additional tax income from major technology companies such as Google, Facebook, Apple and Microsoft as the ATO has increased tax pressure that will require these companies to act in a way that ensures that their Australian business activities benefits the Australian economy when it comes to paying taxes.

Financial Market and Real Estate 2019 Review and 2020 Predictions

Stock Market Movers: What are the biggest movements in 2019 within the stock market? Joel gives us a rare insight into popular stock movements which includes Marijuana, Tesla and Beyond Meat. Listen in to find out what the most profitable trade of 2019 is within the global financial markets and if we expect to see a bull market or a bear market coming into 2020.

Real Estate Price Prediction: Brett gives us a rundown on which capital city may see the most growth and what we can expect price movements to be within the Australian residential real estate market in 2020.

Consumer Sentiment: Louis brings with him his predictions on what we should see for wages and consumer confidence in 2020.

Peak Finance and Peak Performance

Get the most out of yourself: Louis expands on his topic psychology and discusses how we prepare ourselves to reach our peak performance. He also speaks about the benefits of the new Silicon Valley theory of “Dopamine Fasting” in increasing attention span and mental health.

You cannot be serious

A popular adult website has recorded 6.38 million hours of newly uploaded video content in 2019.

In Perth a man has successfully roasted a 1.5kg slap of pork in his old Datsun Car by leaving it in for 10 hours.

Too lazy to decorate? You can now hire someone to come in and decorate your Christmas tree over Christmas!

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

This week, Joel, Brett, Louis and returning special guest Huw Davies (Episode 67) engages in a roundtable discussion about insurances policy changes, major political updates as well as home ownership in Australia. The episode kicks off with Louis leading the discussion on regulatory changes to your insurance policies and provides advice on what to do before the deadline to best prepare yourself. Joel then gives us a rundown on Trump and tariff talks, Brexit and the UK election as well as the update on the recent Westpac controversies. Brett breaks down some findings on how Australia compares to the rest of the world in terms of cost of housing as well as property ownership.

This Week’s Investor Exchange Round Table Covered:

* Insurance Regulatory Changes: APRA, an insurance industry regulator has come under fire under the new regulations set by the royal commission. In disability insurance alone, there has been $3b worth of losses largely attributed to insurance claims posing growing concerns over the long term sustainability of these financial institutions. Therefore in March 2020, APRA has given insurance provider an ultimatum to get rid of agreed value income protection which will drastically affect consumers in their future insurance claims.

* Political Update: The Westpac Annual General Meeting occurred following the 23 million alleged breaches to the anti-money laundering laws. Ironically, it also revealed that all board members involved were found to be part of the bank’s risk committee. This week is a major week for both Trump and China’s trade talk as well as the Brexit UK election. The results of these major events will cause a major movement within the stock market as it will mark the end of a stalemate.

* Australia vs Others: A report done by Swinton, a UK research company revealed home ownership statistics. It has shown that over the past 10 years, home ownership have declined by 11% in the UK vs an increase in Australia by 86%. What does this mean in terms of dwelling sizes and costs? Brett provides comprehensive explanation of Swinton’s findings and metrics that will give you understanding of where Australia sits in terms of affordability, dwelling sizes and home ownership compared to the rest of the world.

* Behavioural Finance: Is Santa Claus a wealthy man? In the spirit of Christmas, Louis brings with him learnings from renown finance guides and explains what Santa Claus can teach us about adopting a growth mindset.

 

You Cannot Be Serious

* Would you do a job that pays you $50k a year to smoke dope? A US medicinal marijuana company is offering a professional reviewer a $36k USD ($50k AUD) salary to review their products.

* A subway employee told police that she conducted a robbery in her own subway shop to teach her employees a lesson on how dangerous where they are working could be.

* A man went viral on the internet by protesting a vegan protest by streaming himself eating a big bucket of KFC.

 

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

This week, special guest star Marshall Condon, co-founder of Wefund, gives us an insight into the world of loans and debt financing. We get a first-hand insight into the different types of loans and debt financing are available in the market and also an understanding of what to do when banks say no. Joel then gives us insight on where he sees the share market heading in the near future with both the ASX 200 and S&P 200 breaking out into all-time highs. Brett continues to speak on his findings regarding the recovery of the Australian Residential Real Estate market. Louis expands on the topic of biases and how it causes people to make risky investment decisions.

This Week’s Investor Exchange Round Table Covered:

The podcast beings with a discussion of Marshall’s journey to becoming the co-founder of Wefund. Marshall began his finance career at the mere age of 18 with a vision of becoming the next Tom Piotrowski. Since then he has progressed his career from mortgage broking, banking and even running his own debt advisory and broking business.

Loans and financing: Many people after getting turned away by banks don’t know where to go or who to go to for financing. Recent regulations have made it even harder for businesses and home buyers to take loans from banks. Marshall Condon, founder of an online non-bank property & development finance Wefund gives us an insight on what accredited non-bank lenders mean for your loans vs getting a bank loan. He also expands on how his platform allows property developers to access appropriate and trustworthy lenders through transparency in rates an risks for a better return on equity.

Share market update: Cash balances in money markets have reached levels higher than what we saw in the 2009 Global Financial Crisis. We are also seeing new all-time highs with both the ASX 200 and the S&P 200. What does that mean for us share market investors? Is this a good time to invest in equities? Joel gives us his predictions based on trends that he has seen in the past during similar conditions.

Australian Property Market: Brett brings with him this week November data extracted from CoreLogic reports. CoreLogic claims that the Australian housing markets is now 5 months into its recovery and the nation index has recorded an average national increase in dwelling prices by 1.7%. Brett breaks down why these metrics may be flawed and what to take into account if you are in the market to buy.

Behavioral Finance: Louis expands on the topic of biases and hindsight and how it may lead you down a bad financial path. What is the science behind why people lose big in the share market? Louis discusses the ways emotions and social influence play into creating the your biases during decision making and gives you some insight on what experts in the financial markets do to protect themselves against making rash and risky decisions.

You Cannot Be Serious:

The Tesla Cybertruck’s “indestructible” windows shattered not only once but twice during an official demonstration when hit with a steel ball.

A lady in Michigan found out that she had won $5.5m on a lottery ticket while scrolling through her Facebook newsfeed.

A new species of electric eels are being used in a Zoo in Tennessee to power their Christmas lights.

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

 

This Week’s Investor Exchange Round Table Covered:

This week, Joel brings with him rare insights on the stock screening and analysis methods he consistently employ within the stock market that has enabled him to outperform the market for 6 years in a row. Brett provides us with information where he sees the highest growth within the Australian Real Estate Market and what the 2019-2020 Federal Budget to signifies for South East Queensland. Louis introduces the idea of being Above The Line and Below The Line and how understanding this theory will help you in your work life, personal relationships and personal growth.

The podcast begins with a discussion about International Men’s Day. Life expectancy survey published by the Australian Bureau of Statistics has detailed that men’s life expectancy is lower than women’s. Women’s life expectancy have been proven to increase after childbirth. Given this information Joel, Brett and Louis engages in light-hearted and comedic banter sparked by this interesting and controversial topic.

Share Market Update: Joel opens with details of the latest Westpac banking controversies. Banking transaction regulating body Austrac has accused Westpac of having more than 23 million breaches of anti-money laundering and counter-terrorism finance laws that involved $11 billion, this also included transfers that were potentially linked to child exploitation. Furthermore, Joel gives us his detailed knowledge on the methods he used to pick stocks that have outperformed the market more than 6 years in a row. He breaks down his explanation by utilizing Facebook as an example of a recent recommendation made to investors. Amidst all  the controversies and scandals of Facebook, Joel gives us a run down on what fundamental, technical and qualitative analysis really show.

Property Update: Brett brings in more information about the growth prospects within the residential real estate market. He brings with him research by Domain and discusses at which price point the residential real estate market is experiencing the steepest growth and deepest declines time and time again. This year, this particularly category of housing has seen a surge in average price level by 9.8% in Melbourne and 8.2% in Sydney. This leads into the topic of the 2019-2020 federal budget and how the government infrastructure plan will affect demand levels for housing in the South East Queensland residential market.

Above The Line vs Below The Line: Louis takes us through the psychological theory of acting above the line vs acting below the line in life. He delves deeply into the concept of being responsible for your action vs blaming the situation than you are in and how it affects your workplace, finances, relationship and even your health and fitness.

You Cannot Be Serious:

Drug dealers have taken a hit to their business as wild boars had found their stash and ate it all.

One gentlemen in a doctor’s appointment found marijuana that were in stuck in his nose for 18 long years.

A University in the Netherlands have encouraged their students to take a mindfulness session in grave that they have dug out. It was rumoured that the students were dying to get in.

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

This week, Brett returns to the podcast from a 2 week holiday with two “crystal balls” that gives us research backed insight into the future of the Australian Real Estate market. Joel discusses the economic significance of “Singles’ Day” and how it helped one company gross in a record 38 billion dollars in just one day. Louis continues on his topic of mindset and how to use that to your advantage and be the master of your career.

This Week’s Investor Exchange Round Table Covered:

The podcast begins with a discussion around bushfire initiatives. Airbnb has opened a platform for users to offer their homes to those who are affected by bushfires. Over 350 Australians have jumped on board and shown us the true Aussie spirit of community.

Real Estate Update: Is the real estate market going to have a steady recovery or will there be a boom? Brett brings with him two real estate research pieces by SQM and ME Bank that will give you some insight into what future holds. SQM outline four real life scenarios that speculates the likely market performance in Australian capital cities. In the best scenario, the total residential market should grow around 7-11% with Melbourne and Sydney exceeding their peaks from two years ago. ME Bank conducted a consumer sentiment survey that outlines what people are speculating about market performance. Out of 1000 responses, approximately 50% expect the market to rise, 30% to remain unchanged, 17% to drop and the rest unclear about what the future holds.

How this company made $38B in One Day: In 1993 “Singles’ Day” became a phenomenon that spread throughout China by a group of students at Nanjing University. Fast-forward to 2019, “Single’s Day” represents one of the biggest shopping days of the year, with one particular company making a staggering $38B in one day with the first $12B made within the first hour. This outperforms the yearly revenue figures of some of the world’s biggest companies; McDonalds($20B), Coca-Cola ($33B), Rio-Tinto ($38B) and Commonwealth Bank ($15.5B). Tune in to find out which company was responsible for this huge achievement.

Big Picture Thinkers VS Detailed Oriented Thinkers: . In what ways can you incorporate the traits of “Big Picture Thinkers” and “Detailed Oriented Thinkers” to ensure the most desirable outcomes? Louis deep dives into the value of introspection and understanding what areas you can work on to be more successful in your career and in life. READ MORE: https://ugc.net.au/blog/2019/11/22/creating-partnerships-with-big-picture-and-detail-oriented-thinking/ 

You Cannot Be Serious:

Are men funnier than women? Tell us what you think by writing in https://theinvestorexchange.com.au/ask/.

A lady was hit by a car on her electric scooter right after she gave an interview that outlines how to ride electric scooters in a safe way.

What are the most amazing real jobs on the planet? A Baby Name Consultant, Stand-in Bridesmaid or even potentially a Chief Biscuit Dunker?

Listener Questions

Write in to get your investment and wealth management questions answered by Joel, Brett, and Louis.

Ask a Question: https://theinvestorexchange.com.au/ask/

Join the Conversation: fb.me/theinvestorexchange

This week Joel and Louis introduces Huw Davies the new Lead Investment Analyst and Trader at United Global Capital, formally of HSBC London, Deutsche Bank London and Morgan Stanley. In this episode we delve into Huw’s experience working within the Over-The-Counter (OTC) derivatives team at the pinnacle of the Credit Default Swaps (CDS) market right before the GFC in 2008. Joel discusses the latest Labour Party dissection of it’s loss in the election this year. Louis gives us a run down of how to identify differences in personalities and mindsets and the reasons we should utilise it to achieve more effective outcomes especially in a team environment.

A definition: Credit Default Swaps

Most securities are traded on an exchange, however OTC securities are traded between two parties (banks) rather than a broker. CDS is a type of credit derivative that provides the buyer with protection against default and other risks. The buyer of the CDS makes periodic payments to the seller until the credit maturity debt. In that agreement, the seller commits that, if the debt issuer defaults, the seller will pay the buyer all premiums and interest that would’ve been paid up to the date of maturity.

This Week’s Investor Exchange Round Table Covered:

Have you ever wondered about how the Global Financial Crisis (GFC) in 2008 came about? Huw gives us a crash course on Credit Default Swaps (CDS’s), how it operated, the parties involved and what life was like from an insider’s point of view before, during and after the GFC. Huw, Louis and Joel expands on the topic using examples from the Oscar-nominated film and bestseller novel “The Big Short” to describe the relationship between investment banks, mortgage issuers, credit rating agencies as well as interest rate rises that lead to the notional value of CDS’s in 2007 ($62.2 trillion) to rise above the total Gross Domestic Product (GDP) of all countries in the world in 2008 ($60 trillion). This means that much of the value traded in this market was not in providing insurance against defaults and other risks but in the speculation of the CDS within the market and the consequences are discussed further within this episode.

Joel discusses the dissection of the Labour Party loss in the election this year. Labour has now complete their review and according to Labour itself it must cull it’s policies, embrace an economic growth agenda, rebuild  bridges with business and reconnect with blue collar workers if it has any chance of winning in the next election. He discusses the “fear factors” within the election and explained how Liberal utilised it to their advantage. In a general market update, Joel opens with progress that is taking place for the US and China trade tariffs and the potential it holds for the stock markets.

Louis continues his discussion on the psychology of managing outcomes. He compares the mindset of a big picture person and a detail-oriented person and how you can use their strengths to work effectively within a team. He explains the theory that recognition and utilisation of individual strengths can create a complementary relationship between diverse individuals that can lead to highly effective outcomes.

You Cannot Be Serious:

* A British tradesman who won almost $1.78m AUD had to thank an anonymous shopper who let him jump the queue before he won the lucky dip.

* A University in Alaska allows for people to pay their parking fines with peanut butter and jelly sandwiches to combat student hunger.

* Several attendees of a funeral in Germany experienced nausea and required medical treatment as an employee accidentally served a marijuana laced cake baked by their 18 year old daughter.

Listener Questions:

Write in to get your investment and wealth management questions answered by Joel, Brett and Louis.