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Here at nestegg, we love podcasts for two reasons: For the intelligent and interesting people that we get the chance to speak to and for the insight that we can glean from sitting down for half an hour with them.

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From an editorial perspective, it would be too difficult for us to ever decide on a top five for the year. Each podcast brings something different to the table – whether it’s a good story, a valuable piece of knowledge, or a lesson learned.

What we can do though, is give you a run-down of the five podcasts that piqued the interest of our readers and listeners the most.

Without further ado, we present to you the top five most listened-to nestegg podcasts for 2019:

All things Robo, artificial intelligence and exchange-traded fund

In this podcast, host David Stratford was joined by Richard Lightbound, ETF Securities’ co-head of sales and Robo Global’s CEO of EMEA Asia, to discuss the Robo Global Index.

They also did a deep dive into changes affecting commercial business in 2019 and how technology is being deployed as product in society.

Planning for tomorrow’s lifestyle today

Retirement’s always been a hot topic on nestegg, and this chat with Jason Nyilas, Aberdeen Standard Investments’ head of retirement and product strategy, was no different.

This popular podcast explored the importance of receiving financial advice into retirement and how default pension options aren’t always an individual’s best bet.

How savvy investors are turning otherwise idle cash into a wealth-creation tool

IPO Wealth CEO Ewan Laughlin and Mayfair 101 managing director James Mawhinney unpacked their insight for nestegg to reveal how individuals can grow their wealth through better distribution.

The podcast’s release pre-election also provided listeners with commentary on the May election and its potential impacts on the property market, as well as the importance of customer transparency throughout the investment process.

2. Why investors shouldn’t be afraid of a slowdown in the market

The June appearance of Bell Direct equity strategist Julia Bell provided some much-needed reassurance to investors during a particularly bleak period of the year market-wise.

She shared a number of ways investors can build up a diversified portfolio in a low interest rate environment and illustrated the silver linings of a market slowdown for Australian investors.

Making a full-time income in just a few hours a day a few days a week

The most popular podcast for nestegg’s listeners this year came in May, when David Stratford spoke with former television personality Greg Morgan.

Touching on topics as varied as broadcasting Saddam Hussein’s capture to the world to sitting by a pool in Bali, it’s no surprise this podcast nabbed the top spot.

In just 20 minutes, Mr Morgan shared so much of his trading and investment insight with the nestegg team, from his early mistakes and education to how he has shifted his investment strategies.

As relevant for listeners now as it was on the day of its release, it’s worth checking out – and definitely worth it’s first place ranking!

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["page_heading"]=> string(66) "Borrow Money - Your Guide to Loans and Credit Management | nestegg" ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2019-12-30 01:00:24" ["slug"]=> string(47) "14342:counting-down-the-top-5-podcasts-for-2019" ["catslug"]=> string(11) "302:podcast" ["link"]=> string(60) "/resources/podcast/counting-down-the-top-5-podcasts-for-2019" ["image"]=> string(55) "images/article-826x550/woman-listening-earphones-ne.jpg" ["image_alt"]=> string(41) "Counting down the top 5 podcasts for 2019" } }

Saturday, 18 January 2020

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Borrow

Treasurer challenges banks over rate cuts

By Cameron Micallef · October 14 2019

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Borrow

Treasurer challenges banks over rate cuts

By Cameron Micallef
October 14 2019

Reading:

Treasurer challenges banks over rate cuts

By Cameron Micallef · October 14 2019

Reading:

Treasurer Josh Frydenberg has challenged the banks on interest rates, calling for the competition watchdog to look into mortgage prices and obstacles customers face in switching banks.

Since June, the Reserve Bank of Australia has passed on three rate reductions, with the big four banks failing to pass on the full reduction to their customers.

The Treasurer outlined that the large banks have passed on just 57 basis points out of a total reduction of 75 basis points on average.

The average Australian with a $400,000 mortgage is $519 worse off per year with the banks only passing on part of the interest rate cuts, Mr Frydenberg said.

“If the big banks had passed on the recent rate cuts in full, a family with a $400,000 mortgage would be paying around $2,200 a year less in interest payments. This compares to the $1,680 they are saving that they are currently getting from the 57 basis point rate cut.”

How much are the banks saving?

Mr Frydenberg suggested that by not passing on the full rate cuts, the big four banks have “boosted their bottom line by around $570 million”.

As the Productivity Commission observed last year, “the consistently high returns of Australia’s largest financial institutions are over and above many other sectors in the economy and in excess of banks in most other developed countries post-GFC”.

“Nobody begrudges a profitable business; indeed, we want more businesses to be so. However, the funding costs of the banks have ‘declined across the board’ and are at ‘historical lows’, according to the Reserve Bank of Australia,” the Treasurer continued.

This has led the RBA to say that the rate cuts should be fully passed on.

“The fact that the big banks are ignoring the RBA is of concern,” Mr Frydenberg said.

Home loan pricing inquiry

Following the Treasurer’s directions to the ACCC, an interim report is to be provided to the Treasurer by 31 March 2020 and a final report by 30 September 2020.

Mr Frydenberg outlined the inquiry’s goals in a statement as follows:

Investigating the prices charged for residential mortgages across the entire market, including by major banks, smaller banks and non-bank lenders
Considering how banks make pricing decisions, including passing on movements in the official cash rate
Examining differences in the prices paid by new and existing customers
Examining differences between the reference interest rates published by suppliers and the interest rates paid by customers
Investigating barriers that may prevent consumers from switching lenders

Banks respond

In response to the ACCC’s inquiry, CEO of the Australian Banking Association Anna Bligh indicated “the first priority of Australia’s banks is the implementation of the royal commission”.

“Australia’s banks stand ready to assist the ACCC in this inquiry. Banks are no stranger to public scrutiny and look forward to the opportunity to cast more light on mortgage pricing and the many important factors that influence the setting of interest rates,” she said.

The CEO of ANZ, Shayne Elliott, has also welcomed the new inquiry.

“The inquiry is a good opportunity to provide facts in what is a complex space, and we hope it will provide the public with renewed confidence in the way their home loans are priced,” he said.

“Despite intense competition, there is cynicism in the broader community about interest rates for home loans. We know we have not done a good job in explaining our position and we will be working hard to ensure this process delivers results.”

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg and Smart Property Investment. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leverage their insights to grow your portfolio.