Your Wealth

One of the greatest challenges for any investor is determining the value of a company they wish to invest in – how good is the business model, and how much should you pay for it?

----more----

In this engaging and enjoyable discussion, Marissa Rossi, senior analyst at Milford Asset Management and former Head of Research at UBS discusses:

How to understand a company’s business model

Why past performance should guide your assessment of future performance

When a one-off is not a one-off, and how to avoid accounting trickery, and

The real numbers that matter, and how to read them.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

If you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

Australian retailers are currently recording some of their worst trading conditions on record, but are these challenges cyclical or structural? In other words, is the pain inflicted on your portfolio likely to be temporary, or permanent?

----more----

Morningstar equity analyst Johannes Faul has run the numbers and also looked at the experience of Australia’s retailers during our last recession nearly three decades ago. He tells:

What a recession could do to Australian retailers, and how they’re likely to fair if the economy keeps growing

Which retail stocks are likely to survive a downturn

How structural challenges are likely to affect the sector, and

What you can do to protect your portfolio.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

If you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

Phil Muscatello hosts the podcast Shares for Beginners, where he shares his experiences on getting started in the sharemarket.

----more----

Over many years he has learned from experience, and more recently from experts, including:

The most important lesson he’s learned

What all the experts he’s spoken to agree on

How investing has changed, and how his portfolio has changed, and

What tips, tools and insights he’s found most valuable as an investor.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

If you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

The ASX has delivered over 18% calendar year to date, an exceptional result. So is there still value to be found in Australian equities, or should you look elsewhere for returns on your investments?

----more----

In this succinct and informative conversation, Kate Howitt, manager of the Fidelity Australian Opportunities Fund, gives her thoughts on:

Why the ASX continues to offer compelling value for investors

How a PE ratio of more than 100x can make sense in today’s world

Where to look for growth in a slowing economy, and

The greatest defensive play when valuations are stretched.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

If you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

The ATO recently sent letters to 18,000 SMSF trustees with potentially inadequate diversification, which sent a lot of recipients and their advisers into a spin. So what is the ATO really looking for when they regulate the SMSF sector?

----more----

In this helpful and engaging conversation, ATO Deputy Commissioner for SMSF Dana Fleming outlines the ATO’s programme of work, including:

Their real level of concern about borrowing in Super

What constitutes a well diversified fund, and what doesn’t

The implications of not lodging your fund’s return on time, and

How to get it right and stay in the ATO’s good books.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

If you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

While the overall results looked mildly positive, there were some warning signs in the latest reporting season, for specific sectors and the outlook for the ASX in general.

----more----

AMP Capital’s renowned economist Shane Oliver breaks down these results to reveal:

Which sectors performed well and which look disappointing

Why investors should be nervous about dividends going forward

Why the Australian economy continues to grow despite downturns in retail and housing, and

Where to invest as the outlook sours.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

If you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

With interest rates at unprecedented lows in Australia, the search for yield is pushing investors into new assets and asset structures to boost their income. Lower yields may result in higher risk strategies, however; how do investors avoid falling income along with falling rates?

----more----

In this timely conversation, Gopi Karunakaran of Ardea Asset Management discusses:

Why Australian Government bonds have delivered 12% return year to date, despite a yield of less than 2%

The vanishing yield cushion, and why investor need to consider its implications

Achieving uncorrelated returns in credit and bond markets, and

What credit markets are trying to tell us about the world economy.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

This podcast is somewhat longer than usual, so if you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

We all know someone who has fallen victim to a scam – a phone call purporting to be from Telstra, a link supposedly from your bank, PayPal or the ATO. The world of scamming has become increasingly and terrifyingly sophisticated, and you’re at risk. Far from a kid with a laptop in their parent’s basement, scammers are now likely to work with hundreds of others, have targets and procedure manuals – and be very well trained to convince you of their legitimacy.

----more----

After a close friend lost $3,000 to a phone scammer purporting to be from NAB, Gemma Dale interviewed Tara McCarthy from NAB Security to understand – and help you understand:

The most common types of scams, from phishing and malware to computer ransoms

Why phishing is now targeted, as scammers match details from stolen databases with your publicly available information

How the Brisbane City Council lost $450,000 to the kind of scam being directed at small business, and

What you can do to protect yourself.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

This podcast is somewhat longer than usual, so if you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

Chris Joye, AFR columnist and portfolio manager at Coolabah Capital, is a prolific and thought-provoking commentator on economic and credit topics; he also runs a number of credit strategies which are unlike the traditional buy-and-hold fixed income strategies most retail investors are generally familiar with. So is this area of credit for you, and how do you make room for it in a traditional portfolio? 

----more----

In part one of this lengthy and insightful discussion, Chris tells:

Why he only buys floating (rather than fixed) rate securities,

Why he thinks Australian term deposits offer very good value,

Why the hybrid market is imperfectly priced, offering potential for excess returns

At which point he believes bank shares will be worth buying, and

How to get ‘edge’ and deliver meaningful returns in fixed income.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

This podcast is somewhat longer than usual, so if you’re short on time, consider listening at 1.5-2x speed, which should be shown on the screen of your device as you listen. This won’t just reduce your listening time; it has also been shown to improve knowledge retention.

Given its powers, it’s generally a good idea to understand the ATO’s views on how to manage your affairs – and comply with them. Thankfully with SMSFs, it’s not that hard, so long as you keep up to date.

----more----In this relaxed and plain English discussion, ATO Deputy Commissioner for SMSF, Dana Fleming, explains:

The ATO’s view on good – and not so good – reasons to start an SMSF

Common mistakes that can bring you undone (and Gemma’s five-minute fix for the biggest)

Investment strategies that are likely to attract the ATO’s attention, and

How to ensure you stay in the good books, and keep your retirement dollars safe.

You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean, Spotify or at nabtrade.com.au/yourwealth

If you’d like a regular snapshot of the major developments in world finance, NAB Markets produces a hugely popular daily podcast, The Morning Call, which you can access here.