Your Wealth

By NABBusiness Investing

Your Wealth episodes

August 15, 2018The Rise and Rise of Technology – from the DotCom bubble to FANG and more
The growth of technology stocks over the last decade has completely reshaped investment markets, and investor returns - the technology-based NASDAQ index is up an astonishing 240% over 10 years, while the tech-lite ASX200 still languishes below its pre GFC highs. The technology sector itself, however, is diverse and complex, ranging from producers of core components to disruptive innovators.
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In this episode of Your Wealth, Gemma Dale speaks to Alex Barbi, Portfolio Manager of the Platinum International Technology Fund, which has focussed purely on global technology opportunities since its inception in 2000. Over the ensuing 18 years, Alex has experienced the ups and downs of a rapidly developing market, and shares his insights regarding:
The key trends that have driven the rise of technological dominance for both industry and consumers,
Specific mega-caps and smaller tech companies that he believes still offer upside,
The outlook for the FANG stocks, including saturation and regulatory risk, and
How to break down the technology sector to find value and invest for the long term.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.
35 min
August 07, 2018Australian Interest Rate Outlook: What it means for your portfolio
With the official cash rate at just 1.5% for the past two years, many Australians have become used to historically low rates on their mortgages – and their deposits. In addition, at the peak, 40% of all home lending in Australia was originated on interest only terms. Warnings of rising rates may feel overblown as the RBA maintains a neutral stance, and yet the funding pressures on lenders are increasing. So what does this mean for your portfolio?
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In this episode of Your Wealth, Gemma Dale speaks to InvestSmart Chief Market Strategist Evan Lucas about the outlook for rates in Australia, and such considerations as:
Whether the RBA’s next move is likely to be up or down, and how soon this move is likely to occur,
The impact of international central banks and global funding costs on your mortgage and deposit rates,
The outlook for consumption and markets in a rising rate market, and
How the move to principal and interest, among other factors, will impact markets and shares such as banks.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.
21 min
August 01, 2018Gold, Silver, Platinum and Palladium: Investing in Precious Metals
In a recent podcast, a respected investment strategist said that increasing downside risks were forcing him to allocate a proportion of his investment portfolio to gold – and he hates gold! So what can precious metals offer your portfolio?
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In this podcast, Gemma Dale speaks to ETF Securities’ Kris Walesby about the history of precious metals, and what role they can play in a portfolio, including:
How gold and silver tend to perform during different market cycles,
The gold/silver ratio and what it can tell you about valuations,
The demand and supply factors affecting platinum and palladium, such as industry usage, and
How to access each asset in a diversified portfolio.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.
35 min
July 25, 2018 Ethical Investing – How to have a positive impact with your portfolio
Appetite for ethical and sustainable investments has increased dramatically in recent years, as investors increasingly seek to avoid harmful corporate behaviour and support positive industries such as renewable energy and green alternatives to traditional waste management. While there are some universal values to which investors subscribe (such as avoiding modern slavery and cluster munitions, for example), however, the range of ethical investment choices can seem infinite to the uninitiated.
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To help you understand ways you can invest with an ethical focus, Gemma Dale interviews Simon O’Connor, CEO of the Responsible Investment Association of Australasia, demystifying the jargon and covering such issues as:
Whether investing with an ethical lens reduces your portfolio return,
How to align your portfolio with your own personal values,
Simple ways to introduce ethical, social and governance (ESG) factors to your investing decisions,
Real examples of ESG done well – and poorly, and
Hard-headed reasons to pay attention to sustainability issues, even if you’re not passionate about the cause.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.
33 min
July 18, 2018 Diversification - are you doing it right?
Most investors understand the principle that diversification reduces risk and potentially improves returns in a well-constructed investment portfolio. Yet when the whole of Asia ex-Japan represents approximately 2% of the MSCI World Index (according to MSCI data as at June 2018), are they really getting access to the opportunities they’re looking for?
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In the latest episode of Your Wealth, Gemma Dale talks to Blackrock’s Blair Hannon about the world of opportunities available to investors, and how to avoid some of the pitfalls, including:
Sector concentration risks in the domestic market,
How and why diversification can help protect your portfolio,
What you are really buying when you invest in an index tracking product, and
How to access opportunities that are not yet well represented in the major indices.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.
28 min
July 11, 2018 The case for small and mid-cap companies for growth
Small and mid-cap companies are often overlooked by investors, as the information available to assist with investment decisions, can often be harder to find when compared with those companies in the ASX top 50.
Yet many small and mid-cap stocks offer long-term growth opportunities that may exceed the mature investments that dominate investor portfolios.
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In our latest episode of Your Wealth, Gemma Dale interviews Simon Herrmann of investment research provider Wise-owl about some of his investing insights, including:
Why contrarian investing for small caps doesn’t work,
The stock he bought that did nothing for five years - then increased 10 fold,
How to assess value in companies that are not well covered,
His current buying ideas, and
His 5 step process for investing outside the top 50.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.
28 min
July 04, 2018 Tariffs, Tapering and Tax Cuts – Investing in Interesting Times
US markets have rallied strongly in recent years, shrugging off concerns about over-valuation and stretched fundamentals. The US economy is showing strong signs of growth also, buoyed by a decade-long period of low interest rates, huge tax cuts and Trump’s protectionist policy announcements. So are all lights turning green? Or will tapering and tariffs present headwinds that clash with tailwinds from Republican fiscal policy?
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In this timely podcast, Evan Lucas, Chief Investment Strategist for InvestSmart, discusses whether this is an inflection point for the US market and the globe, and expands on:
The current signal that has predicted a US recession with nearly 100% accuracy over the last 100 years,
Why neither textbooks nor history books have prepared us for the current scenario,
The likely implications of macro economic factors for Australian investors, and
The surprising asset he’s adding to his own portfolio right now.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.

The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au
27 min
July 04, 2018 Top stocks for FY19 with Paul Rickard
Investors have generally been rewarded for holding – and sticking with – growth stocks throughout FY18, with the ASX delivering another year of strong portfolio returns. Many valuations look stretched, however, and headwinds are facing many popular stocks and sectors.
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As the new financial year presents an opportunity to review your strategy, veteran market commentator Paul Rickard talks with Gemma Dale about:
His views on current value in the Australian sharemarket,
Three stocks worth buying at current prices,
What to do with CSL and other highly valued blue chips, and
What to look for in the financial year ahead.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.

The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au
28 min
June 26, 2018Top stocks for FY19 with Paul Rickard
Investors have generally been rewarded for holding – and sticking with – growth stocks throughout FY18, with the ASX delivering another year of strong portfolio returns. Many valuations look stretched, however, and headwinds are facing many popular stocks and sectors.

As the new financial year presents an opportunity to review your strategy, veteran market commentator Paul Rickard talks with Gemma Dale about:
His views on current value in the Australian sharemarket,
Three stocks worth buying at current prices,

What to do with CSL and other highly valued blue chips, and

What to look for in the financial year ahead.

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

The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au
28 min
June 20, 2018 What did you do during the GFC? Warning signs and lessons for investors
The collapse of Lehman Brothers in 2008 is often seen as the catalyst for the Global Financial Crisis, which wiped trillions of dollars from global markets and shook confidence in financial systems across the world.
According to veteran investor and commentator Graham Hand, the GFC actually started a year earlier in the global credit markets, but the equity markets ignored it. With hindsight, everyone had the chance to exit shares at elevated prices with plenty of notice, as the credit markets were screaming for all to see, in every part of the world.
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As Graham tells Gemma Dale, panic hit the multi-billion dollar borrowing programme he was managing a full 13 months before the Lehman crisis. In this fascinating and timely podcast, Graham discusses:
How global funding markets effectively closed overnight, never to re-open
The warning signs as a subprime debt crisis swept across the Atlantic
How equity markets ignored the signals for over 12 months before collapsing, and
What he learned, including steps he takes to protect his investments from similar risks in the future.
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.

The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au
30 min