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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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Predictions: Will the major banks make a comeback?

By Reporter · March 07 2019

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Invest

Predictions: Will the major banks make a comeback?

By Reporter
March 07 2019

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Predictions: Will the major banks make a comeback?

By Reporter · March 07 2019

Reading:

The major banks have taken a beating in the post-royal commission environment, and economic experts have laid out their thoughts for the long-term impact on where Australians put their money.

According to a recent survey conducted by comparison site Finder among its panel of commentators and economists, the smaller players in the home lending market will continue to gain momentum as borrowers increasingly turn away from the big four banks following the fallout from the royal commission.

Finder insights manager Graham Cooke said that the survey results showed that a third of the experts predicted that the royal commission would result in a decline in home loans with the big four banks.

“A third of our experts think that consumers will move away from the big four due to trust issues and stricter lending conditions,” Mr Cooke said.

“As a result, what we can expect to see is more borrowers turning to smaller and online lenders, which typically offer lower rates to lure in new customers. They often also tend to have easy-to-use platforms which can mean faster application and approval, lower fees and more personalised customer service than larger lenders.”

Housing affordability improving

With house prices tumbling and rates at all-time lows, Mr Cooke said that the outlook for housing affordability is now looking much stronger.

While the Reserve Bank of Australia chose to keep the cash rate on hold at 1.5 per cent this month, 75 per cent of experts predict the next rate move will be down, he said.

“With the housing market continuing to tumble, and other global and international economic factors looking grim, experts seem to be sure we’re looking at least one cut in 2019, if not two,” Mr Cooke said.

Nine out of the 17 experts predicted that the cash rate will drop to 1.00 per cent before the year is over.

Shift in sentiment

In addition to housing affordability, there has also been a significant shift in four other key areas of the economy, according to Finder.

Mr Cooke said that while positive economic sentiment in housing affordability reached its highest level recorded, positive sentiment for employment and wage growth dropped to its lowest level.

The economic sentiment and rate cut predictions signal good news for would-be mortgage holders, Mr Cooke said, but a different story for savers.