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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" } }

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Up the equity: Banks might need more money

By Cameron Micallef · October 17 2019

Reading:

Borrow

Up the equity: Banks might need more money

By Cameron Micallef
October 17 2019

Reading:

Up the equity: Banks might need more money

By Cameron Micallef · October 17 2019

Reading:

With New Zealand recently lifting the capital requirements of its banks, APRA could soon follow suit – undertaking a review into how much equity Australian banks should be holding.

The prudential regulator said a proposal to alter capital requirements will have the effect of increasing the amount of equity required to support investment in large subsidiaries while reducing capital requirements for smaller subsidiaries.

It estimates that no material additional capital will be required at an aggregate industry level, but individual authorised deposit-taking institutions may need to raise capital or may gain a capital benefit depending on the level of their exposure to subsidiaries.

“These proposed measures seek to support the resilience of the major banks’ Australian operations,” according to APRA deputy chair John Lonsdale.

He said that as the environment currently stands, there are a number of options available to the banks operating in both Australia and New Zealand.

“If they decide to fund any higher capital requirements [in New Zealand] by retaining local profits, they are unlikely to require additional capital domestically.”

How are the big four affected?

With its strong kiwi links, ANZ is the most at risk, although it said its “management actions" may offset much of the $2.5 billion common equity tier 1 (CET1) shortfall.

It is already in the practice of migrating NZ loans to an Australian branch, increasing exposure to Asian subsidiaries.

NAB said its initial assessment was that the proposed changes would not, on a pro forma basis, affect the amount of capital it has to hold.

Westpac also considered there to be no impact from this proposal on the calculation of the group’s reported regulatory capital ratios on a level 2 basis, which are the key ratios reported.

Nevertheless, Westpac must continue to meet prudential requirements for level 1, which may ultimately be impacted.

The Commonwealth Bank of Australia stated that as at 30 June 2019, its level 1 CET1 ratio was 11.2 per cent, which was 50 bps higher than the level 2 CET1 ratio 10.7 per cent.

What is APRA trying to achieve?

The proposed increases to holding of capital reportedly aims to balance the benefit of revenue diversification that banks can achieve by owning subsidiary operations against the potential concentration risk that occurs as those investment increase in size.

In particular, the prudential regulator is proposing that equity investments in subsidiaries (including additional tier 1 and tier 2 capital investment in subsidiaries) will be risk weighted at 250 per cent, up to a limit of 10 per cent of level 1 CET1 capital.

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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.