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Self-managed super funds have seen a rapid increase in the last few years, with many people seeking transparent alternatives to traditional superannuation providers for their retirement planning.

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Chris Brycki founded the online investment adviser Stockspot to help people grow their wealth by providing access to low-cost, diversified portfolio opportunities. SMSFs are an attractive avenue for investors, however they require active attention to regulation and administration.

Chris joins host Grace Ormsby on this episode of the nestegg Podcast to share data that disproves common misconceptions around SMSFs, explain why simple investment solutions generally provide better results, and emphasise the importance of generating an investment strategy when setting up one’s own SMSF.

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

You can keep up to date with what Stockspot 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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Friday, 13 December 2019

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Why another credit boom could be coming to Australia

By Reporter · May 24 2019

Reading:

Borrow

Why another credit boom could be coming to Australia

By Reporter
May 24 2019

Reading:

Why another credit boom could be coming to Australia

By Reporter · May 24 2019

Reading:

The banking regulator’s plans to loosen its loan serviceability measures could see a resurgence of mortgage growth, according to one ratings agency.

This week, APRA proposed adjusting its 7 per cent interest rate test for home loan applications. This means applicants wouldn’t have to prove that they can repay a loan on an interest rate as high as 7 per cent.

In response, ratings agency Moody’s said this move would likely stimulate growth quicker than expected in the mortgages market.

“The proposal is likely to increase borrowing capacity, with some banks reporting that the interest rate floor has been a key contributor to the decline in borrowing capacity in recent years,” Moody’s said.

“Improving access to credit will support credit growth for the banks, which has declined significantly from its peak in 2014 and, in turn, stem the fall in house prices,” it said.

“Falling house prices are dampening household consumption and contributing to a weaker growth outlook for Australia,” it said.

While there’s merits to a flux of buying and lending activity, there’s also risk of “excessive” credit growth, Moody’s said.

“Despite declining house prices, high household leverage remains a key risk to Australian banks,” Moody’s noted.

“[There] is a risk that the lowering of the interest rate floor, in combination with the potential for the Reserve Bank of Australia to lower the cash rate later this year, could drive a resurgence in excessive credit growth and another house-price boom.”

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