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Portfolio Manager at Lazard Asset Management, Aaron Binstead, joins host Grace Ormsby in this episode of the nestegg podcast to dissect Australia’s current ‘soft’ financial climate, and why defensive investing could be the right strategy for a multitude of investors.

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Aaron defines defensive investing comparing it to conservative investment options, analyses the types of investors who should be considering it as an investment strategy, and provides examples of industries where Lazard Asset Management predict growth for investors – also delving into the criteria they assess investments against.

With diversification an important part of a thriving investment portfolio, Aaron reveals some of the diversification mistakes that investors make, what SMSF investors should consider when selecting investment opportunities, and how investment decisions can impact an individual’s portfolio.

Thanks Aaron, for sharing your insights with the Nest Egg podcast team!

You can keep up to date with what Aaron is 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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Wednesday, 23 October 2019

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Are you taking ‘excessive risks’ with your savings?

By Reporter · August 31 2018

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Invest

Are you taking ‘excessive risks’ with your savings?

By Reporter
August 31 2018

Reading:

Are you taking ‘excessive risks’ with your savings?

By Reporter · August 31 2018

Reading:

Aussie investors’ taste for equities could be placing them at “significantly more risk”, a fixed income manager has argued.

According to Justin Tyler, director of boutique fixed income investment management firm Daintree Capital, Australians’ preference for equities is putting them in danger.

Pointing to the Willis Towers Watson Global Pension Asset Study 2018, Mr Tyler noted that Australian pension funds have, on average, a 49 per cent allocation to equities. This is edged out by US funds’ 50 per cent allocation and slightly higher than the UK’s 47 per cent.

It is, however, significantly higher than Japanese funds’ 30 per cent allocation, and the Netherlands’ and Switzerlan’s 33 per cent allocations.

The Daintree Capital director suggested the heavy weighting to equities was symptomatic of Aussie investors’ lack of familiarity with the bond market and the current, albeit contested, franking credit regime.

“Equities may be better understood by most investors as an asset class, but fixed income plays an equally important role in a portfolio – one of insurance,” he argued.

“The fixed interest component of a portfolio smooths out negative returns to limit falls in a portfolio’s value when equity markets go south.

“Australian retirement funds on average have just a 14 per cent allocation to bonds, compared to a 22 per cent average in the US and 36 per cent in the UK, so it would seem that those approaching retirement are taking excessive risks with their savings in exposing themselves to the twists and turns of the equity market.

“This is particularly the case given that Australian retirement savings are made up almost entirely of ‘defined contribution’ style schemes – meaning income in retirement is dependent upon the investment returns generated by the fund, rather than linked to an individual’s working salary as it is in many other markets.”

The same Willis Towers Watson study placed Australia’s pension market in first place, thanks to its 12.1 per cent per annum growth in pension assets over the last 20 years.