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In this episode of The nestegg Podcast, host Maja Garaca Djurdjevic checks in with our three experts, digging into the biggest headlines of what’s happening when it comes to the world of superannuation, property, investing and wealth creation.

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Steve Waters, director of Right Property Group, talks about affordability, inflation and his expectations for property in 2022.

RMIT senior lecturer of finance Dr Angel Zhong covers the interesting topic of buy now, pay later and what its introduction to the hospitality industry could mean for consumers. She also relays her thoughts on CBA’s entry into crypto and how other banks may react.

Finally, tax and super guru Timothy Munro tackles the likely return of a popular tax-saving measure in 2022. He also delves into super’s stellar performance and why Aussies aren’t leaving failing MySuper products.

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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Will housing affordability improve in 2022? Will buy now, pay later become the n...

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There is $17.5 billion in lost and unclaimed super across ...

Invest

Bank stocks pose ‘worrying’ risk, investors warned

By Jack Derwin

January 30 2017
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Invest

Bank stocks pose ‘worrying’ risk, investors warned

By Jack Derwin
January 30 2017

ASX large caps with heavy exposure to the financial sector pose a concentrated risk for portfolios, an investment manager has cautioned.

Bank stocks pose ‘worrying’ risk, investors warned

By Jack Derwin

January 30 2017
Share

ASX large caps with heavy exposure to the financial sector pose a concentrated risk for portfolios, an investment manager has cautioned.

Boutique manager Avoca Investment Management says that while smaller caps have traditionally been perceived as a higher-risk investment, they may provide investors with a risk management tool.

“The oligopolistic big four Australian banks have been a great long-term investment and self-managed super funds in particular have been a major beneficiary. However, with ever increasing capital requirements, increasing government and APRA oversight, likely softening in mortgage lending and the spectre of encroaching fintech, it seems less likely that the returns of the past will be emulated going forward,” Avoca managing director John Campbell said.

“Financials represent around 40 per cent of the ASX S&P 100 benchmark, providing a worrying level of concentration risk.”

Instead, investors would be wise to carefully consider their index composition.

“Conversely, the composition of the S&P/ASX Small Ordinaries is much more balanced and aligned to the Australian economy,” Mr Campbell said.

Small caps’ previous under-diversification should serve as a cautionary tale for those overly invested in their larger counterparts, he added.

“Five years ago, with its absurd resources skew of 48 per cent, the S&P/ASX Small Ordinaries benchmark bore little resemblance to the Australian economy. This skew was completely at odds with the Australian economy and was a clear warning signal.

“It caused massive pain for investors when the inevitable happened in 20100-11 and the China economy started to slow, creating a knock-on effect to commodity prices.”

Now that smaller caps have diminished their concentration risk, they can be a promising opportunity for investors.

“Our view is that small caps are a good place to invest going forward given the better opportunity to grow that small companies, with generally smaller market shares, have over large companies ... the breadth of opportunity in stock selection and the greater likelihood of M&A activity benefiting smaller companies than top 100 companies,” Mr Campbell said.

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