Andrew Baxter

When a private company decides to go public and list through an Initial Public Offering (IPO), many investors salivate at the prospect of turning water into wine. It’s a risk vs. reward decision that can either be extremely lucrative or a devastating disaster. IPO’s – What are they An Initial Public Offering occurs when a private company decides to list on the stock market as a public company. But be wary, there are many myths surrounding the concept. Their reasons for this are mostly always the same – to raise more capital in order to fuel growth and expansion. When a company decides to IPO, the stock price initially set based on their expected future earnings along with the number of shares they plan to issue – often accompanied by a large investment bank throughout the entire process. Turning water into wine The million dollar decision – which IPO is going to make you a fortune and which one is going to be a disaster. With IPO’s, you either get it really righ...

  Christmas Holiday Shutdown After a long, hard year of work, we can often take our foot off the gas for the last couple of weeks before a holiday as though we have started our break early. This can manifest itself in employees going through the motions in the early part of December and if you have the end of the December and early January off work, then you will find yourself quite a way behind the eight ball. Host Andrew Baxter notes that if you’re taking it easy through December for a couple of weeks before your time off, you are effectively losing nearly one sixth of your possible productive time for the year. Clearly, this is a significant amount of time and if you’re working on self improvement and trying to succeed in your life, then perhaps it is important you find a way to dig deep and work hard through this period. If you have set goals, time is your ally and by relinquishing so much of it just because you want to clock off early, you risk failing to reach...

Why Women Make Better Traders Than Men? Is it their prudent appetite to risk? Their humble lack of ego? Or their ability to multitask? In any case, the female effect is real. Here’s why women typically make better traders than men: Gender bias – the boys club Let us ask you this – what’s the first thing you think of if we said Wall St, stockbroking, trading, or investment banking? We bet the first thought that comes into your head is a group of alpha males. Cisgender men wearing nice suits trying to dominate the financial markets; the boys club. The fact of the matter is, this is largely true and it is a gender bias that has existed in the industry since the dawn of time. As host Andrew Baxter claims, when working on his first trading floor in the city of London, out of 100 floor traders merely only 4 of them were women. Quite frankly, Andrew believes in his experience after 20 years of educating thousands of people is that women typically make better traders than men...

  Overview of the budget Let’s face it, this was no ‘normal’ annual budget presented by the Government – as this year we have to face a worldwide pandemic wreaking havoc across our labour market, infrastructure and construction industries, healthcare sector, and undeniably our overall economy. As we have now entered into a technical recession whereby our GDP (or economic outcome) is declining, the need for a better financial roadmap moving forwards was crucially important. Now, we have a predicted net debt of just over $922B by 2024. It’s important to note that as host Andrew Baxter prefaces the broadcast with – economics is based only on assumptions, and the assumption that we will have a coronavirus vaccine available to us by next year is a big one to take into account that may affect the entire outcome of this year’s budget. Key outcome #1: More Jobs Anything that can be done to create jobs is a great thing, hence why the government plans to spend over...

  At a whopping $2/litre at the bowser, oil prices have been soaring to multi-year highs. With inflationary and broader economic pressures, the energy sector has been one of the strongest outperformers in markets – here’s why: What’s the Story with Oil So Far? To put this into perspective for you right from the get-go. And the price of oil has crossed above $86 a barrel for the first time in nearly 4 years. As it’s added on nearly 20% since the start of September. Now, we’re paying nearly $2/litre at the bowser just to fill our cars up given increased fuel prices. Also putting a lot of stress on household budgets. Host Andrew Baxter attributes the soaring oil prices to the very tight balance of supply and demand. With OPEC (AKA the governing body for oil producers) limiting supply. And a coal shortage in China and India plus an increasing energy demand for travel and heating. Also, for those in the northern hemisphere entering into the colder months. And yo...

Debt Recycling: The Good, the Bad & and the Ugly. As we’ve seen real assets like property. And shares perform insatiably well in the last year. The ability to recycle your debt in order to gear up your investments has never been more appealing. Here’s how debt recycling works and the dangers to look out for: Good debt vs. bad debt Before we jump into anything of the likes of debt recycling. It’s first important that we understand the notion of good debt vs. bad debt. As host Andrew Baxter describes, good debt (in the traditional sense) is debt on an appreciating asset like a house for example. Bad debt, on the other hand, are things like car loans. And credit cards that have no upside potential. A nd simply cost you money to have. In the essence of discussing debt recycling. We are now going to treat good debt as ‘tax deductible debt’ and bad debt as ‘non-tax-deductible debt’. Bad debt = a mortgage on a PPR. Therefore not tax deductible, versus good debt being any k...

The Aussie Commodity Super Cycle- Autralian Investment Education . As one of the largest mining centric countries in the world. It comes at no surprise that we have seen record commodity prices. And colossal profits from our resource companies. The questions arise – is this something of a commodity super cycle? And how long will it last? Here are your answers below: Where it all began A good place to start would be to dial back the clock somewhat 9-10 months ago. The market was in anarchy as cases of the Coronavirus were wreaking havoc. And the economy essentially shutting down. When the pandemic first hit, no one really knew what to expect and so we saw somewhat of a log jam in commodity prices. As host, Andrew Baxter describes. The best example of this was oil when prices went negative. Yes, you read that correctly – negative oil prices. When a commodity is bought to be used and stored. Yet no one is using it – people were actually being paid to hold oil, creating ‘nega...

As we delve deeper into the Coronavirus Pandemic recession. The need for sustainable economic policy and legislation is pivotal. With ever changing policies such as the early access to Superannuation or the legislated increase in mandatory employer contribution. This leaves us with a double-edged sword and awfully confused as to where we’re headed. Here are the three biggest talking points regarding Superannuation right now. Early access to Super – is it being well spent? In spirit, the government has tried to create beneficial policies. To help those in need put food on the table during these challenging times. Specifically, this came with the ability to early access your super. As one of the three main headlines surrounding super. This caused an awful lot of controversy due to where this money is being spent. If you haven’t already heard. Aussies are now able to withdraw $10k from their super last financial year and a further $10k this financial year. Interest...

Are you the kind of person who spends money, and then instantly regrets it? If so, you may have some emotional baggage around money causing you to feel this way. Here’s how you can learn to overcome guilt when spending your hard-earned money: Money is an Emotive Object We’ve all had experiences in our life pertaining to money. Stemming from when we were children. Our core values around spending, budgeting and money overall is formed. As a result of what we see from our parents. And how we view our friends and what we are taught in school. Maybe you grew up with a lot of money, or maybe you had none. However host Andrew Baxter says a common feeling around money is the guilt of spending it . We’ve all got hang ups around money being such an emotive object. Nonetheless, it’s using such emotion in a positive way to overcome these feelings. And treat the greenback boogie more objectively.  Guilt with Money Guilt is an extremely powerful emotion. And is one that many hav...

The end of the financial year is fast approaching and everyone will be bracing for their taxes to come out of what they have earned over the last 12 months. Join us in today’s podcast as we run through 5 tips and tricks to help you at tax time. Contribute to Your Super The limit on super contributions has increased recently, so the first tip is to whack in the maximum if you can afford to. As a deductible expense, you can get a tax deduction on your super contributions, ultimately retaining more money in the long run. In times like these where the economy is quite tricky, you need to ensure that you are planning for retirement and preparing your super for the future. The alternative for many is to pour the money into their business to try and grow, which is all well and good so long as this sets you up for retirement as well. In essence Host Andrew Baxter offers this suggestion – use your super to your advantage and set yourself up for the future.  Pre-Paying Your Obli...

Irrational Economics: Amidst the Coronavirus Pandemic, the economic statistics versus the economic narratives are painting two very different pictures. Our perceptions and opinions of what’s actually going on seem outrageously irrational given some statistics we have before us, here’s why : Concentrated confusion Any investor knows that you need to have confidence to successfully invest. Confidence means being certain, and as we all know – markets love certainty. The anecdotal evidence of our economic state seems to be rather different from how the statistics paint us. This means planting the flag in one spot as an investor becomes awfully challenging and anything but certain. Australia is experiencing a record rate of real unemployment yet has a 7-year high consumer confidence figure. Our property market is booming yet 1 in 7 rental properties have been left without a tenant. As host Andrew Baxter states, it just simply doesn’t make sense. The real rate of unemploymen...

As apart of APRA’s new legislation, MyGov Superannuation funds are now under investigation for failing to meet basic benchmarks of performance.  Also, with some household funds name and shame. And here is how your Super may have affect: MySuper – The Default Super Anyone who has worked part-time as a glassy over the uni holidays or casually in a pizza shop probably has a MySuper account. The MySuper institutions are essentially the ‘default’ superannuation funds. That is elect for people if they have not nominate their own retail or industry fund. Host Andrew Baxter says that most people who are effectively oblivious to super are typically the ones who hold cash in MySuper organizations. Also, given it had been provided to them by default. This is scary in itself. However, it was the performance of these that really struck a chord with us. APRA’s Performance Results The Australian Prudential Regulatory Authority (APRA) investigated 86 of the MySuper organizations a...

Investing in NFT’s and New Investment Assets- AIE. In the current world of low interest rates and overinflated prices in traditional assets like property and shares. Many investors have shifted into new assets in order to make a return. With assets like NFT’s, Crypto Currency and Collectibles going bonkers. Here’s how you too can make some real dollars: New assets History tells us that there is always something new that comes into the investment space. Time and time again we have seen new financial assets be added. Into our markets only to become the norm sometime later. Host Andrew Baxter has seen products like Options. Collateralized Debt Obligations (CDO’s) and Contracts for Difference (CFD’s) enter the investment landscape in his 27+ years as a professional trader. Just to name a few. Some stick. Some go and some even leave a trail of carnage behind them – notably the GFC caused by the CDO debacle.  These names may seem fancy and rather daunting. However all in ...

When climate change is at the forefront of public discussion, green energy is never far behind. Right now though, we have an energy crisis on our hands which has brought black energy into the spotlight. Join us this week as we dive into what’s been happening in the energy space. Coal’s Recent News Australia is known for its deep stores of resources, with a huge amount of coal in particular. The growing trend in Australia and amongst large Australia resources companies, however, has been to focus less on coal production as a way of going green. Host Andrew Baxter points out news coming from BHP in which they are closing down one of their premier thermal coal mines early. This particular mine is the source of high quality thermal coal which is more environmentally friendly than other sources as it burns at a higher temperature and burning it burns off a lot of pollutants. From an environmental perspective, this is great as coal produces a massive amount of carbon emission...

The biggest risk as an investor is inaction and not knowing what to do. With uncertainty comes opportunity – right now, professional trader of 27 years, Andrew Baxter , says there are three main risks to markets right now. Here’s what they are and why. And how you could profit from these: Risk Equals Opportunity Identifying risk is one thing, using risk to your advantage to make a buck from it is another. Any investor knows that the everchanging landscape of financial markets is always presenting new challenges and therefore fresh opportunities. The biggest risk of all, however, is inaction or not knowing what to do. Breaking it down and refining your fundamental analysis is something host Andrew Baxter attributes. And to have a greater understanding of what is turning up the heat on the stock market right now. And how you can profit from this.  Risk #1: China In what was already a slowing property market. The megadeveloper debacles have only exacerbated the problem....

Re-opening of the Aussie economy: As Corona cases fall, the prospect of re-opening the Aussie economy edges closer day by day. So the question arises – what will life really look like? Most Aussies have dreamt about walking into a crowded pub or attending a music concert – but the fact is our reality will be very different. Here’s why: What ‘opening’ the economy really means As restrictions ease and the cases of COVID-19 continue to plummet. More people are beginning to go outside, but how will businesses open when so many Aussies are struggling to make ends meet? What kind of restrictions will we have to comply with when sitting at a restaurant or heading to the gym? Host Andrew Baxter assures us that life will differ from what we are to, GDP continues to contract.  The fact is – the light switch doesn’t just turn back on and everything goes back to normal. A consumer driven market is coming As businesses begin to re-open after their revenue has been sucked ...

Investing in NFT’s and New Investment Assets- AIE. In the current world of low interest rates and overinflated prices in traditional assets like property and shares. Many investors have shifted into new assets in order to make a return. With assets like NFT’s, Crypto Currency and Collectibles going bonkers. Here’s how you too can make some real dollars: New assets History tells us that there is always something new that comes into the investment space. Time and time again we have seen new financial assets be added. Into our markets only to become the norm sometime later. Host Andrew Baxter has seen products like Options. Collateralized Debt Obligations (CDO’s) and Contracts for Difference (CFD’s) enter the investment landscape in his 27+ years as a professional trader. Just to name a few. Some stick. Some go and some even leave a trail of carnage behind them – notably the GFC caused by the CDO debacle.  These names may seem fancy and rather daunting. However all in a...

Crypto Capitulation Cryptocurrency has always been a point of contention in the investment space with crypto bulls and naysayers going toe to toe for years. Recently, major cryptocurrencies have capitulated with enormous losses. Join us in today’s podcast as we explore the reasons behind the fall: Major Problems For Investors When this episode was filmed, Bitcoin dropped as far as 73% from its highs following a colossal drop across the crypto market. Host Andrew Baxter explains his main qualm with the crypto space in that the marketing over the last few years in particular has been so effective in drawing people in who perhaps are not well-informed on the market. Adding to the issue is the fact that there is no real regulation surrounding crypto and when anything goes, it is hard to discern the truth from sales puff. The result, which we have seen now, is millions of people losing enormous sums of money because they did not understand the risks. Many of those wanting to...