The Rodcast - Property, Business, Investment

*THIS IS NOT INVESTMENT ADVICE*

I was joined by Adam Lawrence and Manish Kataria for our Investment Mastermind for Q3 of 2022.

In these episodes we discuss the markets and then discuss what investments each of us are making in the Financial Markets.

As ever we discussed the current markets and how the economy, Inflation and Interest rates are and maybe will, affect them.

Topics include;

Terminal Interest rates.

How Bond yields correspond to Price to Earnings of some of the bigger markets.

Core Inflation vs Inflation including Energy and Food.

Sterling vs other currencies

Oil Prices

Central Bank views of short term pain as a price to pay for longer term stability.

Wage Price spirals in other periods of Inflation vs now.

Energy Caps

Tax Cuts

Bond Yields and their effect on Equities

Value vs Growth

Portfolio selection

This quarter our picks are as follows and you can listen to the reasons why;

Manish - Microsoft (Ticker MSFT) - from 26.00 minutes

Adam - Short on UK 5 year Gilt via shorting a bond ETF - from 37.11

Rod - Antofogasta (Ticker ANTO) - from 46.29

As ever we really appreciate any reviews on Spotify and Apple iTunes and we love to hear your feedback

Hosted on Acast. See acast.com/privacy for more information.

Charlotte has a stellar track record in Banking having been a Partner at Goldman Sachs and then as a Wealth Manager having won various awards and being Co Founder of Netwealth https://www.netwealth.com

This Episode is Jam packed with info.

We discuss;

Charlottes background and why she co founded Netwealth.

Individuals relationships with managing money.

Property vs other investment options.

Benchmarking your portfolio.

Investment exposure and concentration.

The need for capability when focusing on direct investment in a specific asset class.

Volatility in the market.

The importance of liquidity.

Property vs Pensions invested in financial markets for funding retirement. 

Wealth management Fees and what investors should understand about them. 

The impact of reducing wealth management fees on your retirement.

In recent times its the markets that have performed and not necessarily the wealth managers.

Understanding the type of wealth advice you may need.

Importance of having no emotional attachment when investing.

How should people go about finding a wealth manager and questions to ask?

Common mistakes in family finances and Estate Planning.

If you would like to know more about Netwealth and the services they provide please visit https://www.netwealth.com

Hosted on Acast. See acast.com/privacy for more information.

Tony Gilbertson has over 30 years experience in the property finance market as well as being a property developer during the difficult time of the great financial crisis. He certainly learnt the hard way what being a Developer is all about and used his experience to ensure that his lending business puts relationships at the core of their business model. It is a fascinating story and one I know you will enjoy listening to.

In the episode we discuss;

Tony's Background in Finance and how he became a property Developer.

What happened to him in 2008

What he learnt from the Great Financial Crisis

What made him decide to start a lending business

What has been the hardest part of scaling a lending business

What he sees as the biggest risks to his business and what he is doing to mitigate them.

And lots more.

You can find out more info on Signature by visiting www.signaturepropertyfinance.co.uk

They also have an offer of free legals if you take any development or bridging loan and mention The Rodcast. Email [email protected]

For information about the 7 day Property business retreat in October in Lancaster please email me [email protected]

Hosted on Acast. See acast.com/privacy for more information.

I was so fortunate to be joined by Zoopla's Head of Research, Grainne Gilmore to discuss the UK residential market.

In this episode we discuss;

Grainne's background and how she came to be Head of Research at Zoopla?

How does data from the portals typically differ from the likes of Land registry and Office for National Statistics (ONS) data?

Benchmarking performance year on year can not give the clearest picture as the start point may have been in the pandemic but how is the market comparing to the longer term trends?

How have cities performed and what does the data show for their future vs suburban areas?

What data points are important when looking at forecasting House and rental prices?

The biggest risks to the housing market and what can be done to mitigate them?

Hosted on Acast. See acast.com/privacy for more information.

Samantha Kempe is a Co Founder and Chief Investment Officer of Immo, Europe’s first technology-led residential real estate platform, designed to create quality portfolios of existing single-family rental (SFR) housing at speed and scale. https://immo.capital

After a career in the corporate world of real estate at companies such as Cushman & Wakefield, PWC and Blackstone she met her other co founders and investors whilst doing he MBA at The London School of business and Immo was born.

In this episode we discuss;

Samatha's background in the corporate world and what helped to give her and her co founders the idea to start Immo.

What problems Immo solves and is it seen as an Asset manager or a tech company?

Why does Immo focus on Single Family Homes?

What has institutional money targeted in the past when looking at residential property.

How does the UK market compare to other residential markets?

How has Immo used tech to enable it to build portfolios of single family homes at scale?

And lots more.

For more information about Immo, how to invest with them or for any other information on what they do you can contact Samantha on email [email protected]

Hosted on Acast. See acast.com/privacy for more information.

**This is not Investment Advice**

I was joined by Manish Kataria and Adam Lawrence on 21st June 2022 to discuss what is happening in investment markets.

Both guests have a wealth of knowledge about the economy, the markets and investment in various financial assets.

We decided to have a Quarterly Mastermind where we each pick an investment that is open to most people out there. Whether these are ETFs, Index funds, individual stocks or other financial instruments is up to the individual.

We give reasons for our investment choices and then the other members give feedback and concerns on each pick.

We are invested into these investment choices mentioned. Whether the choices will prove to be good in the long term, only time will tell.

Manish's pick - A US financials ETF (XLF) through an option to earn some premium https://www.google.com/finance/quote/XLF:NYSEARCA?sa=X&ved=2ahUKEwiH_46gmsT4AhXFiVwKHX7tC9UQ3ecFegQIHRAY

Adam's pick - Energy Sector specifically Oil and Gas through an ETF (IEO) https://www.google.com/finance/quote/IEO:BATS?sa=X&ved=2ahUKEwjGxLa2msT4AhU-Q0EAHYGxAyoQ3ecFegQICBAY

Rod's pick - An individual contrarian stock pick, Meta https://www.google.com/finance/quote/META:NASDAQ

Hosted on Acast. See acast.com/privacy for more information.

Hannah Marsh is Co Founder of HomeViews https://www.homeviews.com the residential review platform that provides trustworthy verified reviews and assists buyers and renters in making decisions on their new home.

She is also the Author of the 2022 Build to Rent Report which you can find here https://business.homeviews.com/2022-build-to-rent-report/ 

In This episode we discuss;

Hannah's background in marketing and business and how she came to be a Co Founder of Home Views.

What were the biggest challenges in scaling her start up business.

How has the BTR market in the UK changed over the past 5 to 10 years.

What are the highest priorities from renters perspectives on new rental stock?

How does what Developers should include into a BTR development change from inner city to suburban sites? 

With BTR so highly rated by residents on HomeViews what are BTR developers getting right in terms of their end product?

What are the biggest mistakes you see BTR developers make in terms of their end product?

How important is the management of the rental properties vs the amenities for renters?

How do you see BTR increasing its market share in the UK PRS over the next few years?

What are the biggest risks to BTR developers and what can they do to mitigate that?

and lots more

The link to the BPF report mentioned in this episode can also be found here https://bpf.org.uk/our-work/research-and-briefings/who-lives-in-build-to-rent/

Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with [email protected] and when you mention The Rodcast they will pay your legals!

Hosted on Acast. See acast.com/privacy for more information.

Paul Bridge is the CEO of Civitas a leading impact investor. Paul is responsible for the Social Housing side of the business and joined Civitas after a distinguished career running some of the top Housing Associations and Registered Providers.

Paul was instrumental when Civitas had an IPO of the first social Housing specific REIT on the London Stock Exchange.

In this episode we discuss;

Paul's background and experience in running Housing Associations responsible for 25,000 plus homes 

His advice to residential landlords looking to scale their portfolio.

What was it that made him move on to join Civitas? 

Social housing and the different types of housing that the term encompasses.

What are the key metrics he looks at for the REIT and what metrics/ data is he finding that investors want to see now that maybe they were not as interested in 5 or 10 years ago?

What we're the biggest challenges in raising investment for the IPO?

How are they future proofing their current stock of housing?

Is there a concern about the increase in new rents in the PRS making a fixed rent for a longer lease period (as many social houses are) look to possibly underperform vs the rest of UK rental stock and cause even less supply to be considered for social housing? 

The majority of the Social housing stock they own is existing homes. Does he see Civil investing in more new build stock?

How does the social housing market in the UK compare to other nations and what can we learn from those? 

What does he feel some of the biggest risks are to the public and private social housing?

and lots more.

You can find more information regarding Civitas and their Social Housing REIT at https://www.civitasim.com

Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with [email protected] and when you mention The Rodcast they will pay your legals!

Hosted on Acast. See acast.com/privacy for more information.

Jon Rose from Suitable life https://suitablelife.co.uk is not your standard IFA. He became one out of necessity and has an incredibly insightful perspective on how individuals should plan their finances around the different stages of their life. This is such a vital episode for everyone to listen to regardless of your business, job or investments.

We discuss;

Jon's career in Business and property and the life events that brought him to becoming a Financial Advisor.

The mistake people make in focusing on financial products and wrappers and allowing them to be the tail that wags the dog. 

Where individuals should start in trying to plan finances for different stages of life, retirement and passing on. 

The various stages of retirement and what they mean for us as individuals and the finances that they require. 

Wealth creation vs Wealth use and is there any middle ground. 

Taking advice from those that are motivated by our decision to purchase financial products or invest into specific assets.

And lots more

We love to hear your feedback so please leave us a review on the platform you listen to podcasts on or at our website https://www.podpage.com/the-rodcast-property-business-investment/ where you can also subscribe to our newsletter

Once again a huge thanks to www.signaturepropertyfinance.co.uk for sponsoring the Rodcast. If you are looking for a Bridging or Development Product get in touch with [email protected] and when you mention The Rodcast they will pay your legals!

Hosted on Acast. See acast.com/privacy for more information.

I was joined in this episode by Dion Mellows the Managing Director of SHA Envirnmental   https://shaenvironmental.co.uk

Dion is an Energy, sustainability and Carbon consultant for the Built environment who has been awarded by the industry awards for energy for his pursuit of energy performance to make peoples lives better.

In this episode we discuss the difference between carbon reduction, energy performance and improving EPCs, what they all mean and what can be done to improve on each of these in existing building and new builds. 

The UK energy market vs other markets. 

What are the issues with current energy legislation for buildings? 

Typical energy demands of residential buildings. 

Where the majority of energy is used in residential buildings. 

Gas supply in the UK. 

Gas substitutes. 

Insulation for reducing heat loss as well as reducing the chances of overheating. 

How roof colours and exterior types can improve overheating in summer. 

Cost benefit of energy performance for end users as well as property investors. 

Cost efficient fixes for existing buildings and new builds for improving EPCs and Energy performance. 

The importance of air permeability. 

How EPC assesors can assess. 

Different certifications of certain materials and how the certifications can differ in their scoring on EPCs 

Different types of Electric heating systems. 

Changes in the regulations.

Financing benefits of having better EPCs for developers and investors.

As always a huge thanks to our sponsors of the episode www.signaturepropertyfinance.co.uk If you are looking for a bridging or development lender please contact [email protected] and mention The Podcast to get your legals paid for on any loan.

Hosted on Acast. See acast.com/privacy for more information.