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According to chief market strategist at CMC Markets and host of The Artful Trader podcast Michael McCarthy, there are certain investor personality traits that seem to predict success in the share market.

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In this episode of the nestegg Podcast, Michael joins host Grace Ormsby to outline exactly what these characteristics are, the difference between high-risk and low-risk appetites, and how investors can apply different strategies depending on their own personality type.

Michael also explains how fear can be both helpful and a hindrance for confident decision-making, why failure is a crucial process for investors seeking growth, and where budding investors can begin educating themselves about the markets.

Thanks Matthew, for sharing your insights with the nestegg podcast team!

You can keep up to date with what CMC Markets are up to HERE

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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Saturday, 29 February 2020

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Borrow

Major bank slashes floor rate

By Malavika Santhebennur · February 11 2020

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Borrow

Major bank slashes floor rate

By Malavika Santhebennur
February 11 2020

Reading:

Major bank slashes floor rate

By Malavika Santhebennur · February 11 2020

Reading:

A big four bank has updated its home loan serviceability assessment policy for the second time in response to APRA’s regulatory amendments.

ANZ has announced that it will decrease its interest rate floor for home loan serviceability assessments from 5.5 per cent to 5.25 per cent.

The changes, which will be effective for all applications from Monday, 17 February, have come in response to the Australian Prudential Regulation Authority’s decision to scrap its 7 per cent interest floor and raise its sensitivity buffer to 2.5 per cent.

ANZ was the first major lender to implement the changes in July last year, when it reduced its interest rate floor for home loan serviceability assessments from 7.25 per cent to 5.5 per cent. It also increased its sensitivity buffer from 2.25 per cent to 2.5 per cent.

In the latest update to brokers, ANZ said its sensitivity margin remains at 2.5 per cent.

In explaining the reason behind the change in its floor rate, ANZ said: “To ensure ANZ remains in line with community expectations by applying appropriate tolerances when assessing serviceability, ANZ has reviewed the floor rate used for calculating serviceability.

“As a result, ANZ will reduce the minimum floor rate to 5.25 per cent.”

The bank said all new and existing applications for residential lending will have the new floor rate applied as part of the home loan assessment process. The new floor rate will apply to:

ANZ home loans
ANZ residential investment loan
ANZ Simplicity Plus Home Loan
ANZ Simplicity Residential Investment Loan
ANZ/OFI Line of Credit (limit)
Other financial institution (OFI) home or investment loan facilities

ANZ has joined the Commonwealth Bank of Australia, Auswide, Heritage Bank and Westpac in revising its serviceability rates twice in response to APRA’s changes to its home lending guidance.