Your Wealth

In early 2018, US equity markets had reached their highest levels on record, the ASX had shrugged off the shroud of the 5000s and volatility was at all-time lows. Yet for those who closely watch Treasury markets and geopolitics, there was great uncertainty unheeded by exuberant equity investors. ----more---- In this very timely podcast, The Great Disconnect, Gemma Dale interviews Mark Todd, fixed income expert and host of Your Money, Your Call – Bonds vs Equities on Sky Business, about his views of the current market and his thoughts on: geopolitical risks across the globe and their likely impact on markets the potential impact of US tax cuts and unwinding QE over the long run what he’s watching out for in 2018, and ways to manage upside and downside risk in your portfolio.    The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

February earnings season offers an opportunity for investors to get a greater insight into company performance, compare results within sectors and re-balance their portfolios. If you are new to investing or just want to update your market knowledge, earnings season also brings a wealth of insights and commentary to retail investors – but it’s important not to get overwhelmed. ----more---- In this episode, Gemma Dale interviews two highly seasoned analysts, Guarav Sodhi and James Carlisle of Intelligent Investor, who give their advice on how best to prepare for earnings season, and discuss: how to analyse and find opportunity in the rush of company announcements, staying focussed and learning not to get seduced by management commentary, simple steps to prepare your portfolio and your watchlist for earnings season, and the companies Guarav and James are most interested hear from this  February.   The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

To provide for a reasonable retirement, many pundits will tell you that you need a superannuation balance of $1m or more. Others believe such estimates are unhelpful and assert that you may need only a fraction of that amount to enjoy a long and comfortable retirement. ----more---- In this episode, Gemma Dale interviews nab’s Head of Retirement Brian Long on why the $1million retirement balance is a myth and helps to answer questions such as: How much you really need for a comfortable retirement lifestyle in dollar terms Why you may need just $35,000 to fund your total retirement needs What risks can derail your retirement plan and how to plan around them, and What you can do to improve your prospects if you’d like a more aspirational lifestyle.   The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

With interest rates at historical lows around the world, investors who rely on income from their portfolios have been forced to seek yield from other assets or suffer a real decline in their standard of living. For many retirees, and others, this is a real and persistent problem, and alternative portfolio solutions are needed. ----more---- In Investing in a Low Yield Environment, Gemma Dale interviews Mark Todd, Sky Business host and nab fixed income markets expert, about opportunities for investors in a low yield world, and covers such issues as: the outlook for global interest rates, and the impact on your portfolio alternatives to cash and term deposits increasing yield without taking on too much risk the value of franking credits, and the trade-off between yield and growth for Australia’s biggest companies – and your portfolio.    The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

Many of the biggest investment success stories in recent times have listed in the last several months. Australian IPOs outperformed the overall ASX by over 25% in the first three quarters of 2017*. For investors, however, the decision to buy stock in a company that has previously been private can be a challenging one. ----more---- In Understanding IPOs and Capital Raisings, Gemma Dale interviews Brett Grant, Head of Self Directed Investing, nabtrade about the pros and cons of initial public offerings and capital raisings, and covers such issues as: how IPOs and capital raisings work how to get access to new listings where to find research on IPOs before they list whether buying into an IPO is a better strategy than buying on market, and some memorable lessons from Australia’s biggest IPOs.  * OnMarket Third Quarter IPO Report, October 2017   The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

Hybrid securities have become a popular choice among investors seeking income in the current low yield environment. But hybrids are not without risks. In this episode, we take you through many of the essentials that investors should understand about hybrids including their history, why banks issue them and how they work. ----more---- In Understanding hybrid securities, Gemma Dale interviews NAB’s fixed income guru Mark Todd about: the role hybrid securities play in Australia’s banks and financial system understanding the components of return of hybrids and how they work risks and other considerations before investing in hybrids, and how hybrids can be incorporated as part of a diversified portfolio.   The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

In this episode, we look at strategies to save for your retirement outside superannuation. Superannuation continues to be the most popular and tax effective vehicle for saving for retirement, but the reduced contribution caps and Transfer Balance Cap have now limited its effectiveness for many people, leaving many investors wondering what alternatives will assist them to achieve their retirement savings objectives. ----more---- In Saving for retirement, without using super, Gemma Dale interviews finance expert Katie Whiffen about the pros and cons of strategies such as: regular savings plans managed funds and separately managed accounts offset accounts and paying down your mortgage borrowing to buy investment property, and borrowing to buy equities.     The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

In this episode, we look at two of the most popular strategies to build wealth: paying off non-deductible debt and saving through super, and do the maths on which is most likely to give you the best financial outcome. ----more---- In Super vs the Mortgage, Gemma Dale interviews technical expert Richard Edwards about the analysis he and his team have done to determine: • whether paying off debt or investing through super is more tax effective• which option delivers better long-term returns, and• what other issues you might need to consider.   The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.

Welcome to Your Wealth. In our pilot episode, we look at strategies to save for your children’s education expenses – a serious topic for many parents and grandparents with young kids. I interview finance expert Katie Whiffen about when to start saving, how much you need, saving vs investing and whether borrowing can help. ----more---- Katie and I cover the pros and cons of products and strategies such as: Regular savings plans Managed funds and separately managed accounts Education saving plan products, and Borrowing to invest.   The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au ©National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 89526A0514.