Wealth

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Insights, Trends & Case Studies

Banking on bonds: The golden rules    

Banking on bonds: The golden rules   

14 July 2021

Large sums of private wealth are being shifted from term deposits into fixed income in a bid to increase returns. But you want to be sure you’re doing it the right way. 

Banking on bonds: The golden rules    

Article

The unsung opportunities for High Net Worth investors

The unsung opportunities for High Net Worth investors

22 March 2021

Australia’s high net worth investors face continued uncertainty – locally and globally. So what’s the smart next step? NAB Private and JBWere CEO Justin Greiner reveals his thoughts on how best to navigate 2021.

The unsung opportunities for High Net Worth investors

Article

Democratisation of the bond market

Democratisation of the bond market

21 August 2019

The bond market has long been opaque, with bonds traded in parcels far too large for the average investors, but what might a more accessible bond market look like?

Democratisation of the bond market
Insights into habits of the wealthy

Insights into habits of the wealthy

24 May 2019

The latest Investment Trends research shows the number of high net worth individuals (HNWIs) in Australia rose to a record 460,000 people, reasserting Australia as one of the wealthiest countries in the world.

Insights into habits of the wealthy
Enhanced yields from corporate bonds

Enhanced yields from corporate bonds

29 March 2019

High net worth and sophisticated investors are increasingly looking to corporate bonds as a way to preserve capital while delivering higher yields than cash or government bonds.

Enhanced yields from corporate bonds
Changing the funding game

Changing the funding game

27 February 2019

Growth capital is more important than ever. But while we’re seeing new and innovative forms of funding stepping up to meet this need, it’s clear small and medium-sized businesses must step up too.

Changing the funding game
Investing in collectibles: do passions and profits mix?

Investing in collectibles: do passions and profits mix?

27 February 2019

A vintage sports car, a pink diamond necklace, a precious work of art – they may be more fun than a share portfolio but do they make sense as investments? We examine the world of high-value collectibles – the good news and the cautionary tales.

Investing in collectibles: do passions and profits mix?
Reg S bond market: The rise of Asia’s own dollar bond market

Reg S bond market: The rise of Asia’s own dollar bond market

18 January 2018

The growth of the Reg S bond market has been one of the defining trends of the Asian capital markets in recent years. Driven by the seemingly unstoppable rise of Asian wealth – especially deep-pocketed Chinese investors – US dollar bond sales in the region no longer depend on the participation of US institutions.

Reg S bond market: The rise of Asia’s own dollar bond market
2017 Year in Review: Corporate Finance

2017 Year in Review: Corporate Finance

16 January 2018

2017 was marked by a return to stability following the volatility of recent times and the rise of innovative new products, especially in the green and social sectors.

2017 Year in Review: Corporate Finance
Investing in a relationship

Investing in a relationship

21 July 2017

NAB Global Investment Desk can ensure you find the right investment proposition – particularly helpful if you don’t even know it exists.

Investing in a relationship
Impact investing – mixing profits with purpose

Impact investing – mixing profits with purpose

20 April 2017

Impact investing (sometimes also referred to as mission-related investing) is an investment strategy where an investor proactively makes investments that can generate both financial returns, as well as intentional social or environmental returns for the community.

Impact investing – mixing profits with purpose
Franking credits with less downside risk

Franking credits with less downside risk

18 March 2017

Did you know that not all investors are eligible to claim the franking credits? There are a number of strategies investors may look to utilise to limit their exposure to a fall in the share price of their chosen stock, while remaining eligible to receive the franking credits.

Franking credits with less downside risk
From start-ups to turn-arounds, what is private equity?

From start-ups to turn-arounds, what is private equity?

17 March 2017

Private equity has made headlines in Australia over the past year or two, but for many of the wrong reasons. The demise of Dick Smith Holdings was a high profile collapse that impacted many shareholders and retail customers, and a lot of blame has been pointed at the private equity fund manager who floated the business.

From start-ups to turn-arounds, what is private equity?
2016 Year in Review: Capital Financing

2016 Year in Review: Capital Financing

10 January 2017

Steve Lambert, EGM Capital Financing, explains, innovation and volatility again dominated 2016. Markets were challenged by social, political and economic events which brought about new opportunities for our customers. We delivered insights and solutions to help them face into the increasing environment of disruption and regulation.

2016 Year in Review: Capital Financing
Monthly Financial Markets Update: October 2016

Monthly Financial Markets Update: October 2016

24 October 2016

In early September equity markets sold off after a US Federal Reserve official suggested interest rates could be increased at the September Fed meeting. Markets recovered later in the month when interest rates went unchanged.

Monthly Financial Markets Update: October 2016
How will Australians retire?

How will Australians retire?

20 October 2016

As Australia’s population ages and ‘baby boomer’ retirements head toward their zenith in 2025, a discussion on the Retirement Risk Zone, that is the 10 years leading to retirement, is timely.

How will Australians retire?
Monthly Financial Markets Update: August 2016

Monthly Financial Markets Update: August 2016

25 August 2016

The “X factors” that had been dominating negative market views – bad debts in the Italian and Chinese banking system, terrorism, political issues and the rise of anti-globalisation – have given way to a “fear of missing out” rally.

Monthly Financial Markets Update: August 2016
Cash and alternative assets still in favour.

Cash and alternative assets still in favour.

25 August 2016

We review July conditions and recommend overweight exposure in cash and alternative assets, with underweight positions in fixed interest, property and Australian equities, while keeping neutral exposure to international equities.

Cash and alternative assets still in favour.
Monthly Financial Markets Update – July 2016

Monthly Financial Markets Update – July 2016

29 July 2016

It was a difficult month for equities with an initial sell off in early June, following the release of weak jobs growth figures in the United States and another decline later in the month following the UK’s decision to leave the European Union.

Monthly Financial Markets Update – July 2016
Infrastructure bonds: A missing market for retail investors?

Infrastructure Bonds: A missing market For retail investors?

22 July 2016

This is the sixth in a series of reports prepared by the Australian Centre for Financial Studies for National Australia Bank aimed at explaining the potential role of corporate bonds in retail investor portfolios and promoting growth of the corporate bond market.

Infrastructure bonds: A missing market for retail investors?
The changing face of insurance

The changing face of insurance

30 June 2016

Setting up a new business is inherently risky. Insurance can help a lot – as long as you remember to revisit it as your business grows and changes.

The changing face of insurance
Monthly Financial Markets & Asset Allocation Update: June 2016

Monthly Financial Markets & Asset Allocation Update: June 2016

28 June 2016

Brexit is a significant shift in the geopolitical landscape, with associated uncertainty. Investors will need compensation for this with lower share prices. We believe a 15% global equity sell-off over the next 6-8 weeks is a reasonable base case.

Monthly Financial Markets & Asset Allocation Update: June 2016
Quality investing: What you need to know

Quality investing: What you need to know

28 June 2016

The concept of assessing a company’s quality gained popularity after the collapse of the tech bubble of 2001. Here we explore the quantitative and qualitative measures implemented to determine quality investments.

Quality investing: What you need to know
How ‘trendy’ is your investment strategy?

How ‘trendy’ is your investment strategy?

22 April 2016

We all want to understand and profit from the latest trends, particularly when it comes to investment opportunities and strategies - but is it worthwhile jumping on the bandwagon? Here we explore the upsides and downsides of investing for or against market trends.

How ‘trendy’ is your investment strategy?
Monthly Financial Markets Update – April 2016

Monthly Financial Markets Update – April 2016

22 April 2016

In our April update, Nick Ryder, JBWere Investment Strategist, highlights that the local equity market faces a number of headwinds from the rise in the AUD, lower commodity prices, higher potential bank capital requirements and profit margin pressures.

Monthly Financial Markets Update – April 2016
Strategy: investment timing and analysis

Strategy: investment timing and analysis

23 March 2016

Understanding the structure of different investment options is key to choosing what’s right for your objectives and risk profile. Sally Campbell from JBWere, explains the benefits of the main types of product you can include in your portfolio.

Strategy: investment timing and analysis
Monthly Financial Markets Update – March 2016

Monthly Financial Markets Update – March 2016

22 March 2016

In our March update, Nick Ryder, NAB Private Wealth Investment Strategist, talks mixed messages with slumps in developed markets, India and China while the US posted slight improvements and Australia performed reasonably well. Meanwhile, Europe’s inflation entered negative territory.

Monthly Financial Markets Update – March 2016
Property Insight – Housing Update

Property Insight – Housing Update

18 February 2016

The property market is clearly cooling as a result of deterioration in affordability due to higher prices and marginally higher mortgage rates.

Property Insight – Housing Update
Asset Allocation Insight – February 2016

Asset Allocation Insight – February 2016

18 February 2016

In this discussion of alternative investments, Nick Ryder explains that the increased weighting in this asset class is the result of less attractive prices in traditional asset classes.

Asset Allocation Insight – February 2016
Property Insight: Gradual slowing in key metros

Property Insight: Gradual slowing in key metros

21 December 2015

In November we’ve seen small declines in dwelling prices in Sydney and Melbourne with auction clearance rates falling to 60% along with average selling time. Reversing recent trends, prices in other metros rose in November.

Property Insight: Gradual slowing in key metros
Monthly Financial Markets Update – December 2015

Monthly Financial Markets Update – December 2015

21 December 2015

In our December update, Nick Ryder, NAB Private Wealth Investment Strategist, highlights how equity markets rose again in November helped by expectations of further monetary stimulus from the European Central Bank.

Monthly Financial Markets Update – December 2015
NAB Group Economics: Special Report

NAB Group Economics: Special Report

21 December 2015

Many Australians dream of a financial windfall that would significantly improve their lives forever, but how much is enough? In this special report, we ask over 2,000 Australians to tell us how much they need.

NAB Group Economics: Special Report
Investment Insights: Modest house price growth predicted for 2016

Investment Insights: Modest house price growth predicted for 2016

19 November 2015

Movements in the residential property market affect everyone - whether you’re an investor, an owner occupier, or a renter. After several years of incredibly strong house price growth, primarily in Sydney and Melbourne, there is now heated debate over where prices are likely to move.

Investment Insights: Modest house price growth predicted for 2016
Investment Insight: the heart of the machine

Investment Insight: the heart of the machine

18 November 2015

The growth of the industrial internet phenomenon and its impact on our automated life. We look at how this trend is evolving the structure of companies that manufacture hardware and software technology.

Investment Insight: the heart of the machine
Monthly Financial Markets Update – November 2015

Monthly Financial Markets Update – November 2015

18 November 2015

Nick Ryder, NAB Private Wealth Investment Strategist, highlights how equity markets recorded their strongest rise in four years in October and continue to offer the best prospective returns of any asset class.

Monthly Financial Markets Update – November 2015
Strategy: investment timing and analysis

Strategy: investment timing and analysis

16 November 2015

Sally Campbell from JBWere looks at timing the market given recent volatility and how viewing the data more closely can help you understand what’s really happening below the surface.

Strategy: investment timing and analysis
Monthly Financial Markets Update – September 2015

Monthly Financial Markets Update – September 2015

15 September 2015

Chinese economic data has been weak, causing significant weakness in global equity markets In Australia, second quarter economic growth was lack lustre and there was a surprise fall in retail sales, but other measures of economic activity such as building approvals and employment look good.

Monthly Financial Markets Update – September 2015
Hidden value lies in non-CBD office sector

Hidden value lies in non-CBD office sector

4 September 2015

Diverse opportunities in the non-Central Business District (CBD) office sector mean high net worth investors can invest through pooled/syndicated vehicles or directly. Peter Cashmore, NAB Senior Real Estate Equities Analyst, outlines what investors need to know.

Hidden value lies in non-CBD office sector
The time of my life

The time of my life

28 August 2015

Former shopping centre developer, grazier, entrepreneur and now magazine owner, Peter Howarth, explains how his personal passions drove the success of his enterprises.

The time of my life
Monthly Financial Markets Update – August, 2015

Monthly Financial Markets Update – August, 2015

13 August 2015

Global financial markets recovered in July following the debt deal in Greece and stabilisation of the Chinese stock market. Locally, the news is also good – the unemployment rate appears to have peaked while business conditions and confidence have also picked up.

Monthly Financial Markets Update – August, 2015
Your asset allocation guide – August 2015

Your asset allocation guide – August 2015

11 August 2015

An investment portfolio can be designed based on risk tolerance, age or lifestyle objectives but using historic average returns (of different asset classes) to build that portfolio can be dangerous.

Your asset allocation guide – August 2015
How to protect your assets and practice

How to protect your assets and practice

30 July 2015

Without appropriate protection, your hard-earned assets could be at risk. Paul Jarvis, whose team manages the wealth of clients in the NAB Health sector, discusses how insurance, tax planning and a collaborative team of advisers can help you build a successful practice.

How to protect your assets and practice
Your asset allocation guide – July

Your asset allocation guide – July

13 July 2015

Ructions in Greece and China are worrisome for investors but are unlikely to have a material impact on markets or on asset allocation recommendations.

Your asset allocation guide – July
Monthly Financial Markets Update – July, 2015

Monthly Financial Markets Update – July, 2015

13 July 2015

Financial markets remain focussed on a Greek exit from the Eurozone, wild gyrations on the Chinese equity market and further hints about a rise in US interest rates. Locally, markets are concerned about falling commodity prices and strong property prices.

Monthly Financial Markets Update – July, 2015
Insuring your greatest asset

Insuring your greatest asset

10 July 2015

While many owners of small-and-medium-sized businesses won’t hesitate to insure their physical assets, they often overlook the importance of insuring themselves.

Insuring your greatest asset
Improving access to the Corporate Bond market for retail investors

Improving access to the Corporate Bond market for retail investors

29 June 2015

NAB joins with the Australian Centre for Financial Studies to launch their report ‘Improving access to the Corporate Bond market for retail investors’ which assesses where the market currently is, the factors affecting its growth, and the impediments to connecting investors and issuers.

Improving access to the Corporate Bond market for retail investors
Financial acumen helps women to achieve leadership roles

Financial acumen helps women to achieve leadership roles

24 June 2015

Women are still under-represented in senior positions across public and private organisations. Speakers at the recent Women in Health Leadership symposium considered why this is the case, and whether financial acumen could help women to achieve the most senior positions.

Financial acumen helps women to achieve leadership roles
Monthly Financial Markets Update – June, 2015

Monthly Financial Markets Update – June, 2015

10 June 2015

The US Federal Reserve expects the US unemployment rate will fall to 5% by year end. Locally, the Reserve Bank of Australia is hoping lower interest rates will translate to a lower Australian dollar which would help the non-mining sectors.

Monthly Financial Markets Update – June, 2015
Chasing the charitable dollar

Chasing the charitable dollar

9 June 2015

As economic and consumer dynamics change, Australia’s charities are looking for new ways to earn a buck. Andrew Loveridge, Head of Government, Education and Community Business, and Nicole Brasz, Marketing and Fundraising Director at Save the Children, discuss the brave new world of fundraising.

Chasing the charitable dollar
Japanese Economic Update – May 2015

Japanese Economic Update – May 2015

26 May 2015

Japan's unemployment rate has fallen, it's weak currency benefited its Current account and led to a surge in the stock market and Japanese banks are stable, well-capitalised and moderately profitable.

Japanese Economic Update – May 2015
A flying financial start to your medical career

A flying financial start to your medical career

26 May 2015

After years of studying to be a medical practitioner you’re finally earning an income. Philip Mawkes, a Senior Relationship Manager at Medfin, explains why it’s important to make your financial future a priority and shares a five-point plan to help you get off to a flying start.

A flying financial start to your medical career
Business View magazine – Winter 2015

Business View magazine – Winter 2015

21 May 2015

This edition highlights some of Australia’s successful businesses. Our cover story reveals the secrets to Baz Luhrmann and Catherine Martin’s successful partnership. We also chat to John Bertocchi and Peter Paolino of Bertocchi smallgoods and Fonda co-founders David Youl and Tim McDonald.

Business View magazine – Winter 2015
MLC 2015 Federal Budget Analysis

MLC 2015 Federal Budget Analysis

13 May 2015

Peter Hogan from MLC shares his analysis of the 2015 Federal Budget focusing on four key areas: personal taxation, superannuation, social security and small business.

MLC 2015 Federal Budget Analysis
Monthly Financial Markets Update – May, 2015

Monthly Financial Markets Update – May, 2015

11 May 2015

The US economy recorded slower jobs growth in April while GDP growth slowed to a crawl. This means the US Federal Reserve may delay raising interest rates until September. In Australia, jobs growth was higher than expected while core inflation sits comfortably in the middle of the Reserve Bank’s target range.

Monthly Financial Markets Update – May, 2015
Your asset allocation guide – May

Your asset allocation guide – May

11 May 2015

Developed market equities appear expensive compared to average long-term price-to-earnings ratios. However, given relatively subdued earnings growth, many investors argue that they aren’t expensive when compared to current bond yields.

Your asset allocation guide – May
Monthly Financial Markets Update – April 2015

Monthly Financial Markets Update – April 2015

13 April 2015

The US Federal Reserve has given itself the flexibility to raise interest rates from June, responding to record jobs growth. Meanwhile in Australia, consumer and business confidence has eased back in the most recent surveys, despite the recent interest rate cut.

Monthly Financial Markets Update – April 2015
Your asset allocation guide – April 2015

Your asset allocation guide – April 2015

13 April 2015

Knowing when to reduce the proportion of equities in a portfolio and when to increase exposure to other asset classes like property, cash and bonds, can be part science and part art. Valuations, fundamentals and sentiment all play a role.

Your asset allocation guide – April 2015
Your Money, Your Call: Are we in a yield bubble?

Your Money, Your Call: Are we in a yield bubble?

27 March 2015

NAB’s Director of Fixed Income, Mark Todd, is joined by John Pearce from UniSuper and Nick Bishop from Aberdeen to discuss where rates are headed, equities with sustainable dividends, and whether we're in a bond yield bubble.

Your Money, Your Call: Are we in a yield bubble?
Your Money, Your Call: The success of Europe

Your Money, Your Call: The success of Europe

24 March 2015

NAB’s Director of Fixed Income, Mark Todd, speaks with Tano Pelosi from Antares and Matthew Johnson from UBS about inflation and interest rates in Europe, along with the actions of European Central Bank President Mario Draghi.

Your Money, Your Call: The success of Europe
Monthly Financial Markets Update – March, 2015

Monthly Financial Markets Update – March, 2015

12 March 2015

A February interest rate cut and a strong company reporting season buoyed the Australian share market while overseas, resolution of Greek debt negotiations and continuing monetary stimulus, benefited developed global markets.

Monthly Financial Markets Update – March, 2015
Investment Strategy: Back to the future?

Investment Strategy: Back to the future?

11 March 2015

Over recent years, the impressive growth of ETFs has seen somewhat of a reversal back to direct investing with more than 100 ETFs now listed on the ASX, offering investors the opportunity to quickly and easily access global equity, bond, currency and commodity markets.

Investment Strategy: Back to the future?
Your asset allocation guide – March 2015

Your asset allocation guide – March 2015

11 March 2015

With bond yields at or near record lows in many parts of the world, particularly Europe, but with share markets in the United States and Germany hitting fresh record highs, signals are mixed, so it may be time to consider alternative investment opportunities.

Your asset allocation guide – March 2015
Investment Strategy: Learning from past mistakes

Investment Strategy: Learning from past mistakes

10 February 2015

Long-term US research shows investors are frequently driven by fear and greed in their decisions - for example, selling out in weak markets. However, more recent findings show the average investor has learned from some past mistakes.

Investment Strategy: Learning from past mistakes
Your asset allocation guide – February 2015

Your asset allocation guide – February 2015

10 February 2015

2014 was another strong year for international shares, with only part of the gains for Australian investors attributed to a weaker AUD. However, with the prospect of Australian interest rates falling further, investors’ future income from currency hedging is unlikely to be as high.

Your asset allocation guide – February 2015
Monthly Financial Markets Update – February 2015

Monthly Financial Markets Update – February 2015

10 February 2015

Global equity prices in developed markets lost 0.5% in January, with strong gains in Europe offset by weakness in the United States. Australian shares rose 3.3% while the Australian dollar fell four cents to US$0.78, against a strengthening US Dollar.

Monthly Financial Markets Update – February 2015
Valuing ‘sweat equity’ in succession planning

Valuing ‘sweat equity’ in succession planning

16 January 2015

When succession planning, how do you recognise the on-farm contribution of children who’ve stayed working in the business? National Manager of Agribusiness Wealth at NAB, Bill Adams, illustrates how putting a dollar value on this ‘sweat equity’ can help explain estate planning decisions.

Valuing ‘sweat equity’ in succession planning
Your asset allocation guide – December 2014

Your asset allocation guide – December 2014

16 December 2014

Overall, global equity markets are in a sweet spot. China, Japan and Eurozone Central Banks are looking at ways to maintain economic growth, while the United States has completed its quantitative easing and is looking at the appropriate time to raise official interest rates.

Your asset allocation guide – December 2014
Monthly Financial Markets Update – December 2014

Monthly Financial Markets Update – December 2014

16 December 2014

Global equity markets extended the October sharp rally through November, while gains were broadly based in Europe, Japan and the United States. Locally, fourth quarter data continues to show improvement in business credit and capital investment from non-mining sectors.

Monthly Financial Markets Update – December 2014
To buy or not to buy a commercial property

To buy or not to buy a commercial property

12 November 2014

It’s tempting for business owners to buy their own commercial property – the reasons are many and varied. So what’s the right step for your business? Finding an answer requires some careful consideration. We look at the pros and cons of renting versus owning.

To buy or not to buy a commercial property
Investor Education: How to better understand economic indicators

Investor Education: How to better understand economic indicators

12 November 2014

While one economic indicator is a statistic about economic activity, a range of economic indicators paint a picture of how the Australian economy is performing. They can also influence interest rates, exchange rates, commodity and stock market prices. Nick Ryder explains them in detail.

Investor Education: How to better understand economic indicators
Your asset allocation guide – November 2014

Your asset allocation guide – November 2014

12 November 2014

While equity valuation measures imply US shares are about 60% overvalued versus long-term averages, returns could be as low at 0.2% per annum if valuations return to long-term averages. Therefore, as Nick Ryder explains, there’s a need to find additional sources of portfolio returns.

Your asset allocation guide – November 2014
Monthly Financial Markets Update – November, 2014

Monthly Financial Markets Update – November, 2014

12 November 2014

Global equity markets staged a sharp turnaround in October. It was led by the US where their Federal Reserve reassured markets that interest rate rises remain data dependent. Meanwhile, there was additional modest improvement seen in Australian business and consumer confidence.

Monthly Financial Markets Update – November, 2014
NAB Charitable Giving Index: Indepth report – August 2014

NAB Charitable Giving Index: Indepth report – August 2014

7 November 2014

Australians are giving more to charity than ever before, with the average annual donation size for all charities increasing by 3.6 per cent ($11) to $315 per donor. Overall charitable giving growth also continues an upward trend, increasing by 6.4 per cent in the 12 months to August 2014.

NAB Charitable Giving Index: Indepth report – August 2014
Business View magazine – Summer 2014

Business View magazine – Summer 2014

3 November 2014

The latest issue of Business View magazine celebrates successful Australian business women. In our cover story we talk to top horse trainer Gai Waterhouse about overcoming barriers and what underpins the success of her business. We also chat to Collette Dinnigan and Lisa McGuigan.

Business View magazine – Summer 2014
A super retirement

A super retirement

29 October 2014

With the world’s fourth largest pool of funds under management, Australia’s superannuation industry is only set to grow. Here’s a look at how our ageing population is managing its retirement funds for the future.

A super retirement
MLC Quarterly Australian Wealth Sentiment Survey – Q3 2014

MLC Quarterly Australian Wealth Sentiment Survey – Q3 2014

23 October 2014

Nearly half of Australians are undecided on whether they will have to sell the family home to fund their retirement, the latest MLC Wealth Sentiment Survey has found. The quarterly survey has found 11% of Australians already plan to sell the family home to fund their retirement…

MLC Quarterly Australian Wealth Sentiment Survey – Q3 2014
Monthly Financial Markets Update – October 2014

Monthly Financial Markets Update – October 2014

13 October 2014

While the US economy remains robust, Australian shares fell 5.4% as markets digested falling commodity prices, a weaker Aussie dollar and the possible introduction of policy brakes on housing credit, as James Wright, JBWere Chief Investment Officer reports.

Monthly Financial Markets Update – October 2014
Investment Strategy: How to choose a managed fund

Investment Strategy: How to choose a managed fund

13 October 2014

Managed funds offer an attractive way for investors to obtain exposure to an asset class that would be very difficult to access directly or in a diversified form. But how do you select one from the thousands on offer? Nick Ryder, NAB Private Wealth Investment Strategist, investigates.

Investment Strategy: How to choose a managed fund
Your asset allocation guide – October 2014

Your asset allocation guide – October 2014

13 October 2014

With the large fall in the Australian Dollar over the past month, we’re reminded that currencies are good “shock absorbers” in financial markets and the economy. We share some suggestions for how best to manage your portfolio in this changing environment.

Your asset allocation guide – October 2014
The big funding shortfall

The big funding shortfall

2 October 2014

A recent survey shows that over half of all Australians don’t expect to have enough money to retire on. NAB Group Chief Economist, Alan Oster and General Manager of Wealth, Business Banking, Iain Rogers look at how small business owners and individuals can better prepare for retirement.

The big funding shortfall
Smart structuring for philanthropic giving

Smart structuring for philanthropic giving

17 September 2014

Since 2000, changes have been made to how philanthropic efforts are treated by the Australian tax system – offering smarter ways for donors to arrange their giving to benefit them and future generations. JBWere Consultant, John McLeod discusses how to structure your philanthropic giving.

Smart structuring for philanthropic giving
Monthly Financial Markets Update – September 2014

Monthly Financial Markets Update – September 2014

12 September 2014

With better US economic data, global markets were stronger in August. Locally, as James Wright, JBWere Chief Investment Officer explains, company reporting season was positive and stocks rewarded for delivering solid earnings, yields or capital management.

Monthly Financial Markets Update – September 2014
Investment Strategy: Objective based investment strategies

Investment Strategy: Objective based investment strategies

10 September 2014

People invest so they can have more money in the future than they have today. However, they have different objectives which generally fall into three categories: preserve capital; generate income and grow capital, as Nick Ryder, NAB Private Wealth Investment Strategist reports.

Investment Strategy: Objective based investment strategies
Your asset allocation guide – September 2014

Your asset allocation guide – September 2014

10 September 2014

There are options to consider when allocating property to your portfolio. NAB Private Wealth aligns its views with those of institutional investors and favours core unlisted commercial property, with low to moderate gearing, rather than listed property securities or residential property.

Your asset allocation guide – September 2014
Your Money, Your Call: Are you a disengaged investor?

Your Money, Your Call: Are you a disengaged investor?

20 August 2014

NAB’s Director of Fixed Income, Mark Todd, chats with Mercer's Sue Wang and the National Party's Kevin Hogan about disengaged investors - people who are uninterested in closely monitoring their superannuation - and the importance of more simple and transparent products for these people.

Your Money, Your Call: Are you a disengaged investor?
Monthly Financial Markets Update – August 2014

Monthly Financial Markets Update – August 2014

14 August 2014

Despite US equity markets posting fresh records in July, a late, large fall saw equity markets finish lower. While valuations are stretched, JBWere Chief Investment Officer, James Wright, reports that the US economic recovery should support current earnings forecasts.

Monthly Financial Markets Update – August 2014
Your asset allocation guide – August 2014

Your asset allocation guide – August 2014

13 August 2014

After deciding that US equity market valuations are over-stretched, we’ve changed our asset allocation recommendations. In particular, we’ve decreased our exposure to international shares from over-weight to neutral and increased our cash weighting from neutral to overweight.

Your asset allocation guide – August 2014
Investment Strategy: Understanding equity income funds

Investment Strategy: Understanding equity income funds

13 August 2014

Equity income funds are those which aim to generate income from investing in shares. But as NAB Private Wealth Investment Strategist, Nick Ryder reports, the issue is whether investors should care whether they get profits through dividends or capital gains.

Investment Strategy: Understanding equity income funds
MLC Quarterly Australian Wealth Sentiment Survey Q2 2014

MLC Quarterly Australian Wealth Sentiment Survey Q2 2014

12 August 2014

Taking a career break to raise kids has been identified as the most significant barrier to having sufficient retirement savings and majority of survey participants (68%) have given little consideration to a major future financial setback, according to the latest survey findings.

MLC Quarterly Australian Wealth Sentiment Survey Q2 2014
Your asset allocation guide – July 2014

Your asset allocation guide – July 2014

24 July 2014

Even though equity prices are high compared to historical levels, we believe equity valuations are not excessive, so equities are still attractive compared to other asset classes. We provide insights on our favoured asset classes and how best to position your portfolio.

Your asset allocation guide – July 2014
Monthly Financial Markets Update – July 2014

Monthly Financial Markets Update – July 2014

24 July 2014

The US equity market posted fresh highs in June, but price support remains good globally and locally, says James Wright, Chief Investment Officer, JBWere. Read more for currency and property news from the NAB FX Strategy team and Nick Ryder, NAB Private Wealth Investment Strategist.

Monthly Financial Markets Update – July 2014
Investment Strategy: Rebalance your global equities exposure

Investment Strategy: Rebalance your global equities exposure

24 July 2014

It’s time to revisit your global equity exposure. Following a period of strong performance in international shares, it may be a good time to consider taking some profits and rebalancing your portfolio back to long term target weightings, says Duncan Niven, Analyst JBWere.

Investment Strategy: Rebalance your global equities exposure
Your Money, Your Call: Are we in bubble territory?

Your Money, Your Call: Are we in bubble territory?

22 July 2014

NAB’s Director of Fixed Income, Mark Todd, chats with Adam Goldstien from Skeggs Goldstien and Simon Ibbetson from Millinium about which asset classes are facing bubbles, along with discussing some markets where good value lies.

Your Money, Your Call: Are we in bubble territory?
Your Money, Your Call: Economic update

Your Money, Your Call: Economic update

7 July 2014

NAB’s Director of Fixed Income, Mark Todd, is joined by NAB Head of Research Peter Jolly and Laminar economist Stephen Roberts to discuss the Australian and US economies, along with the Australian Federal Budget and issues posed by our ageing population.

Your Money, Your Call: Economic update
Your Money, Your Call: Update on cash rates and the RBA

Your Money, Your Call: Update on cash rates and the RBA

1 July 2014

NAB’s Director of Fixed Income, Mark Todd, chats about where interest rates are headed and their subsequent impact on term deposits with AFR columnist, Chris Joye and Montgomery Investment Management strategist, Andrew Macken.

Your Money, Your Call: Update on cash rates and the RBA
Your Money, Your Call: US Federal Outlook for 2014-15

Your Money, Your Call: US Federal Outlook for 2014-15

1 July 2014

NAB’s Director of Fixed Income, Mark Todd, discusses the 2014-15 outlook for the US Federal reserve and interest rates with AFR columnist, Chris Joye and Montgomery Investment Management stategist, Andrew Macken.

Your Money, Your Call: US Federal Outlook for 2014-15
Top end of financial year strategies for business owners

Top end of financial year strategies for business owners

26 June 2014

The end of financial year is a busy time for the businesses, but there’s still an opportunity to get yours into shape for June 30. Executive General Manager of NAB Business, Angela Mentis shares seven practical strategies to help your business make the most of tax time.

Top end of financial year strategies for business owners
Boost the health of your business this end of financial year

Boost the health of your business this end of financial year

20 June 2014

The end of financial year is a busy time for the healthcare sector, but there’s still an opportunity to get your business into shape for June 30. NAB Health General Manager, Nehemiah Richardson shares seven practical strategies to help your business make the most of tax time.

Boost the health of your business this end of financial year
Your asset allocation guide – June 2014

Your asset allocation guide – June 2014

18 June 2014

The synchronised movement in bond and equity prices has many strategists wondering what is going on - both the bond market and equity market cannot be right about future growth. We provide insights on our favoured asset classes and how best to position your portfolio.

Your asset allocation guide – June 2014
Monthly Financial Markets Update – June 2014

Monthly Financial Markets Update – June 2014

18 June 2014

Last month, investors ignored mixed economic data and geopolitical risks to push the US share market to a record high, reports James Wright, Chief Investment Officer, JBWere. Read more to also find out what happened in currency markets and the residential property market from Nick Ryder

Monthly Financial Markets Update – June 2014
Your Money, Your Call: Aged based investing

Your Money, Your Call: Aged based investing

16 June 2014

NAB’s Director of Fixed Income, Mark Todd, introduces the concept of aged-based investing in corporate bonds and how institutional players are becoming active in this space.

Your Money, Your Call: Aged based investing
Business View magazine – Winter 2014

Business View magazine – Winter 2014

4 June 2014

In this edition, Business View magazine highlights the success of businesses working with, inspired and supported by family. Our cover story features how Mildura Brewery owners Stefano de Pieri and wife Donata Carrazza successfully blend family and business.

Business View magazine – Winter 2014
Tax options for farmers thinking about retirement

Tax options for farmers thinking about retirement

21 May 2014

Farmers looking to retire or play a less active role in the family business have a special set of considerations at tax time. Farmers are encouraged to investigate the most effective tax solutions and their longer term wealth creation.

Tax options for farmers thinking about retirement
Your Money, Your Call: Where is The Equity Market Going?

Your Money, Your Call: Where is The Equity Market Going?

20 May 2014

NAB’s Director of Fixed Income, Mark Todd, discusses what is happening in the Equity Market with FNArena analyst Rudi Fliepek-Vandyck, and how 2014 is looking like the year that the investors from the sidelines will come back to the share market in light of volumes coming back.

Your Money, Your Call: Where is The Equity Market Going?
Your Money, Your Call: Developments in the Corporate Bond Market

Your Money, Your Call: Developments in the Corporate Bond Market

14 May 2014

In this episode of Your Money, Your Call, NAB’s Director of Fixed Income, Mark Todd, looks at the developments in the corporate bond market, including Simple Bond Legislation, with AFR columnist, Chris Joye and Montgomery Investment Management strategist, Andrew Macken.

Your Money, Your Call: Developments in the Corporate Bond Market
Your Money, Your Call: BHP and inflation

Your Money, Your Call: BHP and inflation

28 April 2014

NAB’s Director of Fixed Income, Mark Todd, is joined by FNArena analyst Rudi Filapek-Vandyck. They begin by discussing investing in BHP stock, before assessing inflation - including current forecasts and how velocity, innovation and the labour market can impact upon it.

Your Money, Your Call: BHP and inflation
Marketing a healthcare practice

Marketing a healthcare practice

6 March 2014

Marketing can help you to build a practice, run it successfully and ultimately make a profitable exit. Jason Borody, Managing Director of Vividus Marketing, talks about opportunities, challenges and how the internet has made communications a priority for the healthcare sector.

Marketing a healthcare practice
The talk of the town: NAB Business wrap

The talk of the town: NAB Business wrap

27 February 2014

There’s been a lot for Aussie businesses to talk about recently – from the action on Melbourne’s Chapel Street to where to find the richest retirees. Here’s a selection of recent business insights to help you uncover the opportunities across all business sectors in 2014.

The talk of the town: NAB Business wrap
Australian Debt Securities and Corporate Bonds – February 2014

Australian Debt Securities and Corporate Bonds – February 2014

18 February 2014

How to add Australian Debt Securities & Corporate Bonds to a portfolio. The fourth research report examining the Australian corporate bond market. In this report we place the Australian market in an international context and speculate on what the future holds for the asset class.

Australian Debt Securities and Corporate Bonds – February 2014
NAB Wellbeing Index – Q4 2013

NAB Wellbeing Index – Q4 2013

10 January 2014

National wellbeing deteriorates for the second straight quarter. The NAB Australian Wellbeing Index fell to 63.5 points in Q4 (64.4 points in Q3), with all four survey questions - satisfied life, worthwhile life, happy yesterday and not anxious yesterday - rated lower.

NAB Wellbeing Index – Q4 2013
New Year: a time to refresh and make the most of opportunities

New Year: a time to refresh and make the most of opportunities

6 January 2014

New Year is the perfect time to be considering and reviewing your strategies for the year and putting your plans in place to make the most of opportunities. Our message to farmers is that if they’re ready for more in 2014, we’re here and ready for them.

New Year: a time to refresh and make the most of opportunities
Business View Magazine – Summer 2013

Business View Magazine – Summer 2013

30 December 2013

The summer edition of Business View Magazine explores the ecosystem behind the business of sport, looking at how entrepreneurs working in and with the sports sector deal with changes in the business environment. Download the free iPad edition via our new publications app NAB Think.

Business View Magazine – Summer 2013
A game plan for the future

A game plan for the future

16 December 2013

What thought have you given to the future of your business if suddenly you can no longer work or indeed function? There’s more to preparing for the future than just writing a will. Approximately 50 percent of Australians have prepared a will and only half again have addressed all the issues.

A game plan for the future
NAB Charitable Giving Index: Indepth report – August 2013

NAB Charitable Giving Index: Indepth report – August 2013

1 November 2013

Donations grew 2.5% (12-month average) in August with an average annual donation of $312 per donor. Giving grew fastest for “Other” (12.8%) and Health & Disability (9.1%) charities, but fell for Humanitarian Services (-3.2%) and Medical Research & Services (-2.4%) charities.

NAB Charitable Giving Index: Indepth report – August 2013
Australian Debt Securities and Corporate Bonds – October 2013

Australian Debt Securities and Corporate Bonds – October 2013

29 October 2013

How to add Australian Debt Securities & Corporate Bonds to a portfolio. We bring you the third of five research reports examining the Australian corporate bond market. In this report we cover the important topic of accessing the fixed income market and the various methods investors can use to access debt securities and corporate bonds.

Australian Debt Securities and Corporate Bonds – October 2013
Getting your practice ready for sale

Getting your practice ready for sale

3 October 2013

It’s never too early to get your practice ready for sale. As Paul Freeman, Chief Executive Officer of Medfin Finance, points out, potential purchasers look for the kind of well-run business that's also efficient and profitable for you. Here are his tips for getting it up to speed.

Getting your practice ready for sale
Stepping back from total control

Stepping back from total control

19 August 2013

A business that depends on one person for its success is a business at risk - but stepping back is rarely easy, particularly for the founder of a family business. Bill Noye, Partner in charge of KPMG Private Enterprise in Brisbane, suggests ways to make the process as smooth as possible.

Stepping back from total control
Business View Magazine – Winter 2013

Business View Magazine – Winter 2013

23 July 2013

In this edition, we delve into the experiences of finance commentator turned business builder Alan Kohler, detail bringing an invention to life and explore running a business in an extreme climate. We also cover retaining staff, handling tax in your SMSF and negotiating contracts in China.

Business View Magazine – Winter 2013
Get more from your SMSF this EOFY – May 2013

Get more from your SMSF this EOFY – May 2013

28 May 2013

Chances are you have a self managed super fund (SMSF) because you like the extra flexibility that it can provide. But to make the most of your fund, you need to keep up with the latest rules and legislation changes.

Get more from your SMSF this EOFY – May 2013
2013 Federal Budget news, insights and expert analysis

2013 Federal Budget news, insights and expert analysis

16 May 2013

Understanding how the Federal Budget impacts you and your business can be complex. Our team of leading economists, tax and superannuation experts keep you up-to-date with all the latest news from the 2013 Federal Budget so we can help you get all your ducks in a row.

2013 Federal Budget news, insights and expert analysis
Is your business EOFY ready?

Is your business EOFY ready?

15 May 2013

For business owners, the end of financial year is the time to get things in order. Here are 11 strategies that could help you build and protect your personal and business wealth in a tax-effective manner.

Is your business EOFY ready?
Do you know the value of your business?

Do you know the value of your business?

10 May 2013

Do you know how much your business is worth? A valuation can provide a sound foundation for growth as well as help you to get the best possible outcome from a future sale or merger. Greg Hayes, Chairman of Hayes Knight National Group, explains how.

Do you know the value of your business?
Current super landscape

Current super landscape

7 May 2013

With over $1.5 trillion of savings invested, superannuation remains the largest asset for most Australians outside the family home, and one of the most tax-effective savings vehicles available.

Current super landscape
Australia’s carbon budget hole

Australia’s carbon budget hole

7 May 2013

The carbon pricing budget black hole may sound bad now, but it’ll get far worse due to completely unrealistic assumptions in the Coalition’s budget costings. It’s been reported that Treasury will now dramatically revise down the expected revenue from the government’s carbon pricing scheme.

Australia’s carbon budget hole
NAB Charitable Giving Index: Indepth report – February 2013

NAB Charitable Giving Index: Indepth report – February 2013

18 April 2013

Charitable giving slowed in the year to February 2013 as economic conditions and consumption weakened, and business and consumers became more cautious. The NAB Charitable Giving Index grew by 2.6% (12-month average) in February 2013 – down from 8.3% in the same period one year earlier.

NAB Charitable Giving Index: Indepth report – February 2013
Saving for retirement

Saving for retirement

5 April 2013

Want to maximise your retirement savings? Property investment through a Self Managed Super Fund could be an effective way to save for your retirement and may be tax effective.

Saving for retirement
Is a self managed super fund right for your agribusiness?

Is a self managed super fund right for your agribusiness?

20 March 2013

Self managed super funds (SMSFs) have a number of benefits for farmers including control, flexibility and concessional tax treatment, but they’re not for everyone. Bill Adams, NAB’s National Manager of Agribusiness Wealth, discusses the pros and cons of SMSFs.

Is a self managed super fund right for your agribusiness?
Basel 3: Impacts and Opportunities for Superannuation Funds

Basel 3: Impacts and Opportunities for Superannuation Funds

4 February 2013

Basel 3 represents significant regulatory change, with profound impact on the global financial system, including Australia. This publication and related articles look at the likely impacts of Basel 3 and potential opportunities for Superannuation funds.

Basel 3: Impacts and Opportunities for Superannuation Funds
Strategies to build, manage and protect your wealth

Strategies to build, manage and protect your wealth

1 February 2013

As a business owner, you diversify risks and investments everyday, but you mightn’t be doing this in your personal life. This week on Kochie’s Business Builders, Iain Rogers of NAB Wealth shares some simple strategies that’ll help build, manage and protect your wealth for the future.

Strategies to build, manage and protect your wealth
Business View Magazine – Summer 2012

Business View Magazine – Summer 2012

21 January 2013

In this edition of Business View, we talk to Federal Treasurer Wayne Swan and hear from some of Australia’s most unique and successful business owners, including Maggie Beer. We also offer new angles on pricing, marketing, self managed super funds and creativity in the workplace.

Business View Magazine – Summer 2012
Australian Corporate Bonds – January 2013

Australian Corporate Bonds – January 2013

7 January 2013

We bring you the first of five research reports examining the Australian Corporate Bond Market, prepared for National Australia Bank by the Australian Centre for Financial Studies.

Australian Corporate Bonds – January 2013
NAB urges farmers to rethink succession planning

NAB urges farmers to rethink succession planning

22 November 2012

A major survey conducted by NAB Agribusiness found that farmers approaching retirement are far less certain about how and when they’ll transition out of the business compared to younger farmers. Read on for more survey findings

NAB urges farmers to rethink succession planning
Succession plan masterclass

Succession plan masterclass

21 November 2012

Where many farming families trip up is that they have no succession plan in place. Help keep your farm’s future secure by rolling out a succession plan now, cautions NAB’s Agribusiness Wealth National Manager, Bill Adams. He explains the process.

Succession plan masterclass
Property pulse

Property pulse

19 November 2012

As far as property performance goes, it’s been a mixed bag in 2012 with residential outperforming the commercial sector. James Connell, who heads up Melbourne real estate agency Marshall White, discusses property performance in 2012.

Property pulse
Charitable Giving Index – July 2012

Charitable Giving Index – July 2012

23 October 2012

The first NAB Charitable Giving Index shows that charitable giving is growing, despite a softening domestic economy, flat employment growth and persistent consumer cautiousness. NAB and data analytics firm Quantium reviewed donations made by credit card, direct debit, BPAY and EFTPOS

Charitable Giving Index – July 2012
CEO talk: insurance sector focus

CEO talk: insurance sector focus

28 July 2012

Michael Bassingthwaighte, CEO of not-for-profit health insurer Peoplecare, talks cash flow, growth, decision-making and regulatory management.

CEO talk: insurance sector focus
Business View Magazine – Winter 2012

Business View Magazine – Winter 2012

15 July 2012

This digital version of the 13th issue of Business View includes case studies and features designed to help you get your business firing on all cylinders.

Business View Magazine – Winter 2012
Property investment tips

Property investment tips

31 March 2012

Property can be a means to reduce your tax bills and help fund your retirement. Read up on tax tips and property strategies for the healthcare sector with NAB Health Senior Financial Planner, Matthew Wilson.

Property investment tips
Share tips for healthcare professionals

Share tips for healthcare professionals

30 September 2011

To reduce risk exposure, health professionals are investing in shares outside the health sector. JBWere’s Chief Investment Officer, Giselle Roux, details this trend.

Share tips for healthcare professionals
Retirement action plan

Retirement action plan

30 May 2011

No matter what the size of your business, it’s never too early to start securing a retirement nest egg and planning how to comfortably fund your future lifestyle.

Retirement action plan
Real estate for real gains

Real estate for real gains

28 May 2011

A lucrative property investment is one that outperforms the market in capital growth. And, as John McGrath, CEO of McGrath Estate Agents says, while yield is important, the serious windfall comes when you identify a hyper-growth area through solid research, observation and calculated risk. “Imagine if you’d bought a couple of Paddington terraces in Sydney […]

Real estate for real gains
Off-farm investment

Off-farm investment

30 April 2011

Investing in assets away from your agribusiness can be a worthwhile strategy for diversifying risk. We outline some pointers to consider when diversifying off-farm to help reduce exposure to factors such as weather cycles and commodity price fluctuations.

Off-farm investment