Your Wealth

By NABBusiness Investing

Your Wealth episodes

June 15, 2018Borrowing to Invest 101
End of financial year is a common time for people to think about gearing – the potential deductibility of a year’s worth of interest cost can reduce your tax while borrowing to invest can boost your returns. This strategy is not without risk, however, and understanding the implications of both the strategy and the structures you use is critical.
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In this timely podcast, Gemma Dale interviews Craig Saunders, lending expert and nab Head of Margin Lending Sales, about the issues you need to consider including:
Whether borrowing to invest could be right for you
Positive vs negative gearing
The importance of getting your loan structure right
How to avoid margin calls, and
The impact of tax on your borrowing strategy.
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
40 min
June 07, 2018 Pre 30 June Strategies to Boost Your Wealth
The end of the financial year offers an ideal opportunity to review your financial position, and to take advantage of tax concessions and strategies that are offered to help you grow and protect your wealth. This year offers significant new benefits for many investors, as well as pitfalls to avoid, so the time to prepare is now.
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In this timely podcast, Gemma Dale interviews personal finance expert Katie Whiffen about the range of strategies you could consider prior to 30 June 2018, including:
What to look for when reviewing your portfolio,
Tax deductions of up to $20,000 for business assets,
Deductions of up to $25,000 for super contributions, even if you’re an employee,
How to get a 50% guaranteed return on your super contribution, and
Strategies to ensure every member of your family benefits this financial year.
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
29 min
May 30, 2018 The Impacts of Rising Bond Yields
With a decade of record-low interest rates, retail investors have previously steered away from the bond market and have focused their capital on equity markets. Now that the Federal Reserve has announced a rise in rates, should we be worried? Considering the current level of global household debt, a small rise in rates could have a dramatic impact on the Australian and global economies.
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Gemma Dale interviews Mark Todd, Head of Customer Direct at NAB to discuss the current state of the Australian bond market and his view on:
What the Australian and global bond market is currently looking like
How record-low rates are impacting global debt
The implications of rising U.S. rates for equity markets, and
How you can take action to protect your wealth from an increase in rates.
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
36 min
May 23, 2018 Buy, Sell and Hold with Morningstar’s Adam Fleck
A great company in a great market doesn’t always present a great investment opportunity; the value of a stock is often determined by how much you pay for it. As Morningstar’s equity expert Adam Fleck explains, valuations can vary dramatically with sentiment, market movements and changes in sector and company fundamentals.
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In our latest episode of Your Wealth, Gemma Dale interviews Adam about the companies Morningstar favours in the Australian market, and his thoughts on:
Several overlooked companies that Morningstar currently recommends,
Which sectors represent good value in the current market,
The Big Australian companies he’s avoiding right now,
Why he thinks the global market is over-valued, and
How Morningstar undertakes both quantitative and qualitative research, including methods you can also apply.
As a nabtrade investor, you have complimentary access to Morningstar quantitative research on over 180 Australian companies. If you are not a nabtrade customer and you’d like to access this research, join 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
36 min
May 15, 2018 How to Help Your Kids own their First Home
With capital city house prices having doubled in the last five years, many parents despair of their children ever being able to afford their first home, and wonder if they should be reaching into their own pockets to help. According to Digital Finance Analytics, the ‘Bank of Mum and Dad’ is providing up to $85,000 each to nearly 56% of first home buyers, and most of those buyers are already in their thirties1.
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In our latest episode of Your Wealth, Gemma Dale interviews popular guest Katie Whiffen about how to tackle this critical issue:
How to determine if you can really afford to help your kids
Cash-free ways of helping your kids save for their first home
Which strategies of helping are fraught with danger
How to deal with complex family structures, and
How to structure your affairs so you and your kids can live happily ever after
You can access this and previous episodes of the Your Wealth podcast now on iTunes, Podbean or at nabtrade.com.au/yourwealth.
1 Digital Finance Analytics, 2 May 2018 (quoted in AFR and Domain.com.au)
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
39 min
May 08, 2018 Federal Budget 2018 – Opportunities and Considerations
Treasurer Scott Morrison’s third budget features personal tax cuts as one of the Government’s core measures. Gemma Dale, discusses the key takeaways from the Budget announcement and specifically takes a deep dive into the proposed changes to the taxation, superannuation and pension systems.
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Any advice and information in this publication is of a general nature only. Any general tax information provided in this publication is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of an individual’s liabilities, obligations or claim entitlements that arises, or could arise, under taxation law, and we recommend that you consult a registered tax agent. nabtrade is not a registered tax agent.©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.
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
18 min
May 01, 2018 Market Threats and Opportunities with Jack Lowenstein
What do French trams, the Bank of Internet and a Pakinstani cement company have in common? They’ve all found their way into the global equity portfolios managed by Morphic Asset Management’s Jack Lowenstein. Morphic’s portfolios are global, ethically screened and allow for shorting, representing an expansive view of the world’s current investment opportunities.
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In our latest episode of Your Wealth, Gemma Dale interviews Jack about his current favourite stocks and his thoughts on:
Why an ethical screen makes good investment sense, and how to apply your own
Why he avoids the big names in technology, such as Apple and Google
Which strategies he recommends investors ‘don’t try at home’
Why he believes sharing his investment tips is a social responsibility,
Where he sees the most value in markets right now… and much more.
Access this and previous episodes 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
©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.
28 min
April 24, 2018 What’s ahead for the Australian property market
After five years of unprecedented growth in house prices in some of Australia’s largest cities, many investors are more exposed to residential property values than ever before. Others who may be looking to buy a first home or investment property are hopeful price growth has moderated.
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In our latest podcast, NAB Chief Economist Alan Oster discusses the key takeaways from the latest NAB Residential Property Survey report, which condenses the views of hundreds of property experts from around the country.
In this episode, Alan covers:
Both positive and negative sentiment in the current housing market
The likely composition of new property buyers over the next year
The outlook for house and apartment prices, and rents across major cities
Potential implications of proposed policy changes by Labor on domestic house prices, and
‘Black swan’ events that could rock the sector.
To download the latest NAB Residential Property Survey report, click here. You can access more of NAB’s economic insights on this page.

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
©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.
28 min
April 17, 2018 How to Create Your Own Financial Plan with Paul Clitheroe – Part 2
In part 1 of this must-listen podcast, renowned finance expert Paul Clitheroe, Chair of InvestSmart and the Government’s Financial Literacy Board, outlined the critical steps for creating your own financial plan – and achieving your goal of financial independence. In part 2 of this two part series, Paul goes further to explain some of the critical concepts of building wealth.
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Part 2 continues Paul's explanation, including:
His thoughts on the future of the Australian property market
How to determine what financial independence means for you
How Paul invests his money, including the asset allocation strategy he has used for decades
The Rule of 17
What financial topics he doesn’t feel competent to advise on… and much more.
If you missed Part 1, you can find it here.

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
©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.
20 min
April 11, 2018 How to Create Your Own Financial Plan with Paul Clitheroe – Part 1
Most Australians know that a good financial plan will set them up for the life they dream of, but are nervous about seeking advice from a financial planner. Renowned finance expert Paul Clitheroe, Chair of InvestSmart and the Government’s Financial Literacy Board, is passionate about helping all Australians reach their financial goals – the smart way.
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In part one of this two part series, Paul outlines the critical steps to ensuring your own financial success, and answers your questions:
Do you really need a financial plan?
How to get value for money if you choose to see a financial planner
How to become financially free
Why he hates the term ‘retirement’
Why budgeting always fails, and what you should do instead
How to complete your own financial stocktake
The savings strategy he and his wife have used for 40 years… and much more.
Please enjoy this podcast with Paul Clitheroe, and join us for part 2 next week.

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
©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.
26 min