Your Wealth

By NABBusiness Investing

Your Wealth episodes

April 04, 2018 Don't Let Tariffs Trump Your Portfolio
Global markets have entered a critical juncture due to the uncertainty involving trade tariffs announced by the Trump administration.
The U.S. argues that trade barriers are warranted in order to reduce its deficits against its trading partners as well as to protect American jobs and intellectual property. However, the risk is that as other countries retaliate against tariffs, there could be unintended consequences for various industries and workers and global growth is impacted.
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In this podcast, Gemma Dale speaks to Mark Todd, Head of Customer Direct at NAB, about:
an overview of free trade versus protectionism
further detail behind why Trump has announced tariffs
the potential consequences for global growth and interest rates
potential implications for Australia, given China and the U.S. are its two biggest trading partners
what investors can do to protect their portfolios
This podcast was recorded on 23 March 2018.

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.
37 min
April 04, 2018Don’t Let Tariffs Trump Your Portfolio
Global markets have entered a critical juncture due to the uncertainty involving trade tariffs announced by the Trump administration.

The U.S. argues that trade barriers are warranted in order to reduce its deficits against its trading partners as well as to protect American jobs and intellectual property. However, the risk is that as other countries retaliate against tariffs, there could be unintended consequences for various industries and workers and global growth is impacted.

In this podcast, Gemma Dale speaks to Mark Todd, Head of Customer Direct at NAB, about:
an overview of free trade versus protectionism
further detail behind why Trump has announced tariffs

the potential consequences for global growth and interest rates

potential implications for Australia, given China and the U.S. are its two biggest trading partners

what investors can do to protect their portfolios

This podcast was recorded on 23 March 2018.

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.
37 min
March 27, 2018 Top 5 mistakes with SMSF borrowing
For many SMSF experts, the number one question they get from prospective and current SMSF trustees is ‘Can I use my super to borrow to buy property?’ The legislation governing SMSF borrowing is complex and fraught with pitfalls for the unwary investor, and yet there is plenty of potential to use this strategy to grow your retirement savings.
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SMSF guru Meg Heffron, founder of Heffron SMSF Solutions, has decades of experience managing SMSF administration and has consulted to Government and industry on SMSF legislation, policy and regulation, and has seen all the mistakes a trustee can make with the borrowing rules.
In this podcast, Gemma Dale asks Meg to discuss many of the issues you can and should consider if you want to use your super to borrow, such as:
how do the borrowing rules really work,
whether you can develop or renovate a property inside super
what kind of property you can rent to yourself inside an SMSF,
what risks make borrowing difficult for most SMSFs, and
how to minimise the risks and make sure you’re getting the most out of this strategy.

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 has a business relationship with Heffron. 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.
24 min
March 20, 2018 Currency outlook for 2018 – how the dollar could affect your portfolio
The Australian dollar is renowned as a volatile currency, having traded as high as $US1.10 and as low as $US0.49 over the last two decades. Over the last two years, however, it has traded in a relatively narrow range – is this lulling investors into a false sense of security?
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In this timely podcast, Gemma Dale interviews Ray Attrill, NAB’s Head of Foreign Exchange Strategy and regular guest on the popular Morning Call podcast, about his views of the current state of the Australian dollar and his thoughts on:
Where interest rates are headed in the short to medium term
How fluctuations in the $US dollar can impact portfolios,
The potential impact of Brexit and Trump trade wars, and
NAB’s view on the $USD, UK pound and Euro over the coming twelve months.

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.
30 min
March 14, 2018 Going global in 2018
Australian listed companies represent approximately only 2% of world share market capitalisation according to MSCI and many great investment opportunities, particularly in sectors such as technology and pharmaceuticals, are available only in markets such as the US and Europe. As a result, Australian investors are increasingly looking offshore to diversify and grow their portfolios.
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In this informative and educational podcast, Gemma Dale interviews James Swan, Manager, International at nabtrade, about the different ways investors can get access to international markets, with discussion topics including:
the easiest ways to get started in international share markets
the pros and cons of managed funds, ETFs and direct equities
managing risks such as currency and sector concentration
the features to look for, and be aware of, when choosing how to invest in international equities, and
how to manage international exposure in a balanced portfolio

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.
24 min
March 07, 2018 Is an SMSF right for me?
There are now over 600,000 SMSFs in Australia, with over 1.1million investors having chosen to manage their own retirement savings. SMSFs offer unprecedented control, flexibility and investment choice, but also come with a long list of responsibilities and obligations, so it’s worth giving considerable thought to whether it’s the right structure for you.
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If you’re thinking about an SMSF, or want to know more, tune in to hear SMSF guru Meg Heffron, who has decades of experience managing SMSF administration and has consulted to Government and industry on SMSF legislation, policy and regulation, give her guidance on how to answer this question.
NAB’s SMSF expert Gemma Dale and Meg discuss many of the issues you can and should consider, such as:
how much do you really need to start an SMSF
how much work it really takes to manage your retirement savings,
what risks make an SMSF difficult to manage, and
who you should engage to help you, whether you prefer to do it yourself or seek out an expert.

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 has a business relationship with Heffron. 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
February 28, 2018 Should you consider the new Downsizing Contribution to Super?
Recent legislation gives older Australians the opportunity to contribute up to $300,000 each to superannuation if they sell their homes. This sounds like a great way to increase your super and free up some capital for a more comfortable retirement, but do the benefits really stack up?
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In Should you consider the new Downsizing Contribution to Super?, Vishal Teckchandani interviews Gemma Dale, nab’s Director, SMSF and Investor Behaviour, about this new strategy and whether it offers an opportunity for you. This conversation covers:
the new rules and how you need to meet them
the impact of the downsizer contribution on your Age Pension
whether the tax savings of super are likely to be beneficial for you, and
some scenarios where using the contribution might help – or harm – your situation.

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.
18 min
February 20, 2018 How much can I afford to spend in retirement?
While many of us long for leisurely days playing golf and gardening, or perhaps travelling the world, the reality of retirement presents many challenges for older Australians. Making your savings last a lifetime is a tricky proposition, and both spending too much, and too little, during this stage of life can hugely affect the quality of your post working life.
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After the huge popularity of his recent appearance on this podcast in Busting the $1million Retirement Myth, nab’s Head of Retirement Brian Long is back to answer your most asked question: how much can I afford to spend in retirement?
Gemma Dale interviews Brian on such thorny issues as:
what the average Australian really spends now in retirement
the three stages of retirement expenses, and how they may affect you,
what risks can derail your retirement savings and how to plan around them, and
what you can do to improve your prospects if you’d like a more aspirational lifestyle.

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.
16 min
February 14, 2018 ETFs - Behind the Hype
Exchange Traded Funds, or ETFs, have become one of the most popular products for investors who are wishing to create long term wealth. Once just simple index trackers, they now offer exposure to currencies, sectors such as robotics and biotechnology, and even allow investors to short or leverage their market exposure.
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In ETFs – Behind the Hype, Gemma Dale interviews Kris Walesby, Head of ETF Securities Australia, about the pros and cons of ETFs, and covers such issues as:
how ETFs work and what they offer investors
the differences between passive, smart beta and active ETFs
some of the sectors and unique exposure ETFs can provide access to, and
the risks and costs you need to consider if you are considering these products.

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.
35 min
February 07, 2018 The Great Disconnect – Portfolio Risks in 2018
In early 2018, US equity markets had reached their highest levels on record, the ASX had shrugged off the shroud of the 5000s and volatility was at all-time lows. Yet for those who closely watch Treasury markets and geopolitics, there was great uncertainty unheeded by exuberant equity investors.
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In this very timely podcast, The Great Disconnect, Gemma Dale interviews Mark Todd, fixed income expert and host of Your Money, Your Call – Bonds vs Equities on Sky Business, about his views of the current market and his thoughts on:
geopolitical risks across the globe and their likely impact on markets
the potential impact of US tax cuts and unwinding QE over the long run
what he’s watching out for in 2018, and
ways to manage upside and downside risk in your portfolio.

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.
33 min