Andy Sutherland

If you know a financial advisor or family office looking for high conviction recommendations, check out Craig’s next update from the trading desk 👉🏽 coming a Monday⏰. To stay abreast of the macro market daily, follow Antipodean Capital or chat with 💬 Craig Ferguson #macroeconomics #macro #investmentmanagement #financialadvice #portfoliomanagement

2

Upcoming tax reductions are likely to increase your borrowing capacity. In fact, some lenders have already factored this change into their lending criteria. If you’re considering a home loan, get in touch today to see how this could benefit you. www.finscape.au [email protected]

8

ANZ Bank Home Loan Market share has surged, with $10.1 billion in new lending. Does this reflect confidence in the housing market and the bank's ability to meet customer needs? https://lnkd.in/dp3S4nB5 Antonia Watson | Farhan Faruqui | Shannon McMahon | #ANZFinancialNews #ANZBank #Banking #HomeLoans #EconomicTrends #FinancialResults #EconomicTrends #MarketAnalysis

6

Pretty energised about the ideas and developments contained in this report (which included moi). AI really needs to be discussed with a little less passion and a little more pragmatism. It's awesome. It's also not the answer to everything. I reckon even plugging that question into AI will give you that much. #ai #media #comms #marketing

4

1 Comment

📢 Meta to verify financial services advertising to Australian consumers ☑️ Rules are due to be rolled out in Feb 2025. ▶️ Advertisers will be required to verify: - beneficiary and payer information - AFSL number ▶️ Verified ads will display certain information including the AFSL number or exemption. I'll be very interested to see how this requirement is implemented including how payer information will be verified. 👀 Still looking for the original MR but here is one (of many) write-ups: https://lnkd.in/ginCpM7F #scams #Meta #scamsprevention #payments

38

8 Comments

A lot of people don’t realise that the money in their bank doesn’t just sit there. Banks use it to lend and invest. Moving to an ethical bank is one of the most powerful actions you can take to drive change with your money.

20

The Brand Deficit in Investment Management. Investment management often tends to revolve around ‘star’ investment professionals and their teams. And the belief that their collective expertise, skills, and market knowledge is such that they are able to generate investment outperformance over the long-term. The manager’s brand is often indelibly linked to their investment teams. This can create tailwinds when they are successful, but it’s also an inherent trap. If the team does generate outperformance over time, they will often be coveted by others or want to set up on their own. They may jump ship which is obviously a negative for the brand that previously housed them. To be fair, it’s also a negative if they failed to generate outperformance in the first place! So how do you get around the issue of future brand damage? Part of the answer lies in making the brand about much more than the investment team. The brand has to be known for something (be different) but it must also stand out (be distinctive), the customer has to be able to recall it (be memorable) and this all needs to be demonstrably true over time (be consistent). Highlighting investment processes, core beliefs, and historic performance are contributors, as is the ability to demonstrate a smooth leadership transition. However, looking at perhaps the largest 20 or so (Australian) managers I would argue that no-one has really got this fully covered. Generally, brand positioning is undifferentiated and indistinctive. Every manager is ‘innovative’, ‘leading’, ‘experienced’, ‘global’, focused on ‘performance’ etc. Used by everyone, the words are meaningless hygiene factors. It's hard to see which brand really stands out. The herd remain mostly shoulder to shoulder. The Superannuation sector seems intent on tackling this issue. You can’t have missed Australian Retirement Trust’s new campaign with the big blue monster. It's different, distinctive, memorable and likely to be a multi-year, longstanding effort. I wonder if any asset manager will be brave enough to follow them? 5 Key Learnings… 1.     Successful brands and star teams are often like oil and water.  2.     ‘Same, same’ is the industry default. There’s a gap to exploit.  3.     Creative is the number one trigger to pull. Be brave, be memorable.  4.     Brands need regular, ongoing investment to come to life.  5.     Time will ultimately determine success. #brandstrategy #assetmanagement #investmentmanagement #assetmanagementmarketing

3

With Macquarie’s active ETFs, investors can now tap into our global investment expertise. Discover everyday access to active investments with Macquarie ETFs. https://bit.ly/3Y1KCpS

81

3 Comments

for all your wealth strategy sessions, Book your consultation NOW!! #mortgagebroker

2

Watch Kate Browne, our Head of Research and Insights, on 7NEWS tonight talking about fixed interest rates. Did you know some lenders are currently offering lower rates on fixed home loans than variable rates? Find out what this may mean to your home loan.

26

I listen to a lot of podcasts. Quite a few are produced by the Mamamia network (Australia's #1 women's media brand. Established 2007 now with, I don't know a 7 million? strong, deeply committed audience. Haven't heard of them? Shame on you if you work in social/media or media adjacent - but I digress). One I listened to on my commute home last night had me transfixed. It was called 'When sleep isn't enough: The seven types of rest' (No Filter podcast) - and was and interview with Dr Saundra Dalton-Smith on why sleep is not enough, why sleep and rest are two different things - and how you can break it down and work through what kinds of rest you need - in particular to help prevent burnout (or help deal with it) and how you can get the energy to get back to it. The conversation on why wfh can still be exhausting was incredibly enlightening. There's a free quiz. I recommend it.

17

8 Comments

NAB is stirring things up in the subdued world of PayTo and rolling out account to account payments. PayTo needs all the help it can get. https://lnkd.in/gpgYEiaf

10

Total spending decreased 0.3% in September. Overall, total consumer spending increased 0.9% in 3 month average terms and 3.2% over the past 12 months. Read the full report here.

5

The likes of CommBank, Westpac, Suncorp, McDonald's and KFC are showing the rest of the market how to do women’s sports beyond just slapping on a logo – and it’s paying off in spades, according to GroupM Chief Investment Officer Melissa Hey and Foxtel Media Head of Sport NSW, Caitlin O'Meara. But while existing men’s code sponsors are migrating spend into women’s sport, the broader market remains behind the curve – despite significant growth in both female and male audiences. According to O’Meara, audience numbers for AFL W and NRL W last year climbed 28 per cent and 43 per cent respectively when measured via Kantar versus OzTam’s panel (which “probably wasn’t a true representation,” per O’Meara). The average audience for NRL W is now 55,000 she adds, with the higher audience figure helping women’s codes attract greater sponsor funding as a result. Interestingly, consumption of the women’s codes on Foxtel is more linear than streamed – up to 60 per cent linear versus an average of 25 per cent in men’s sport. “There is still a big opportunity for more brands to get involved,” says O’Meara, especially as the women’s codes are adding more rounds each season. She says it’s still a relatively low-cost entry point for brands increasingly keen to be part of cultural moments that sport provides – and bring those stories to life, from the top teams down to the grass roots, building mutual brand, code and audience growth along the way. For brands now weighing up women’s sport sponsorship, Hey says they could do worse than lift the templates built by the likes of CommBank, Westpac and Suncorp. “They have to make sure they're showing up with authenticity and going beyond just taking a sponsorship and a logo. They should be looking at how they can actually integrate and grow the sport and the players within the sport beyond just the game.” Hey sees a shift now underway as brands aim for new growth opportunities outside more “cluttered” environments – and suggests women’s sport is one of the safer bets amid current market flux. “From a pure numbers perspective, sport actually provides consistency and reach. It's actually the one area, whether you’re talking linear or streaming, that provides a consistent and engaged audience.” #sponsored Foxtel Group Commonwealth Bank Suncorp Group

61

1 Comment

Commonwealth Bank today launched a travel booking service in its banking app powered by Hopper. It's integrated to both it's whole-of-bank loyalty program, Yello, and it's credit card loyalty program, Comm Awards. CommBank Awards members can use their points to pay for travel. CommBank Yello customers receive 10% back in travel credits on hotel bookings. The travel offering includes price predictions (recommending when to book), auto price drop ($50 in travel credits if the price of the recommended booking drops), best price guarantee (credits the difference if a lower price is found), price watch (tracks flight prices) and flex it (cancel for any reason and possibly receive 80% of the cost back). --- 🔹Loyalty Central | Australia is a unit of Ellipsis & Company; the loyalty experts. 🔹Sign up here for Loyalty Central's monthly loyalty market update, a "just the facts" summary of all the news (including this piece) https://lnkd.in/gmQUU6KF

19

1 Comment

Rate cuts are starting to come through the Mozo database as expectations of an RBA rate cut later this year/early next ramp up. But before you fix, there are some risks to be aware of. Thanks Tamika Seeto and Yahoo Australia for sharing the latest changes from Westpac and the risks borrowers should be considering before locking in these lower rates.

1