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On this episode of The nestegg Podcast, host Maja Garaca Djurdjevic and three experts discuss the ongoing NSW lockdown, the ins and outs of the COVID-19 Disaster Payments, and how Brisbane’s successful Olympics bid could impact equities and property.

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Steve Waters, director of Right Property Group, chats about the impact of the lockdowns on the property market, what the 2032 Olympics could mean for Brisbane’s market, and whether APRA might need to pull the handbrake to cool house price growth.

RMIT’s senior lecturer of finance, Dr Angel Zhong, delves into how the Olympics and other major events affect stock returns and what the implications are for investors.

And lastly, tax and super guru Timothy Munro talks about the near-record super returns, the COVID-19 Disaster Payments and what they mean for your super.

Have a question for our experts? Get in touch at [email protected] and you might get featured on the next episode.

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3 ‘red flags’ for cash fund investors

By Cameron Micallef

November 26 2019
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Invest

3 ‘red flags’ for cash fund investors

By Cameron Micallef
November 26 2019

As rates continue to fall, investors tempted to move their “rainy day funds” into cash strategies offering higher yields are being warned to look at the underlying assets.

3 ‘red flags’ for cash fund investors

By Cameron Micallef

November 26 2019
Share

As rates continue to fall, investors tempted to move their “rainy day funds” into cash strategies offering higher yields are being warned to look at the underlying assets.

The warning comes to investors as a lesson learned from the global financial crisis when “cash funds” were frozen and ultimately closed, with investors in many cases losing their capital.

Director of listed products at Pinnacle Investment Management Chris Meyer has given investors three potential red flags to watch out for.

Term deposits - While investors can get a few extra basis points of yield, caution should be taken when locking away funds for a predetermined amount of time.

“They are also a major liquidity trap. In order for a fund to exit a term deposit before maturity, they will be forced to pay an exit fee and, like retail investors, will be required to give a period of notice,” Mr Meyer explained.

Credit quality and duration - Worse than major weighting in term deposits during a downturn is a term deposit in a low-quality institution.

“Low-quality institutions (think Lehman Brothers) may offer slightly higher returns for investment managers, but investors face the very real risk of losing it all if issuers fail,” Mr Meyer continued.

Long-duration instruments in cash fund portfolios should also be considered as another red flag, the investment manager warned.

Transparency - A lack of transparency is probably the biggest and most identifiable cash fund red flag.

“Investors should be asking their cash managers what they’re holding in their portfolios. If this information isn’t easy to obtain, then you should be asking, ‘Is my manager hiding something?’” Mr Meyer said.

What should investors do?

Investors looking to maintain their funds while increasing their cash yields should look at quality cash funds or cash ETFs.

“Investors should ensure their cash is working hard at times of the market cycle when they want or need to hold cash. Just as importantly, they should be confident that cash can be easily and quickly redeployed when required, regardless of any global economic events.”

“If you value your capital, risk and liquidity must not be overlooked when selecting a cash fund,” Mr Meyer concluded.

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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.

About the author

Cameron Micallef

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