In this quick bite: Garth Bray chats with Simon Woodhams, CEO of PFI, about the current state of the industrial property market, using it as bellwether for the broader economy. What is Simon seeing, given their PFI's vantage point, on the challenges and opportunities shaping New Zealand’s economic landscape?

Plus, a quick look at the rise of e-commerce on industrial property demand, the future of work-from-home trends and what's driving one of New Zealand’s top-performing asset classes.

For more episodes or to watch on YouTube, check out http://linktr.ee/sharedlunch

In this quick bite: Garth Bray chats with Simon Woodhams, CEO of PFI, about the current state of the industrial property market, using it as bellwether for the broader economy. What is Simon seeing, given their PFI's vantage point, on the challenges and opportunities shaping New Zealand&rsquo;s economic landscape?
Plus, a quick look at the rise of e-commerce on industrial property demand, the future of work-from-home trends and what's driving one of New Zealand&rsquo;s top-performing asset classes.
For more episodes or to watch on YouTube, check out&nbsp;<a href="http://linktr.ee/sharedlunch">http://linktr.ee/sharedlunch</a>

A conversation with experts, CEOs, and you. We talk to company leaders and industry experts every week. Listen or watch over lunch or whenever for what’s happening in the economy, the markets, and the companies you invest in.

Investing involves risk. This channel is brought to you by Sharesies Limited (NZ) in New Zealand. Information provided is general advice only and current at the time and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the product disclosure documents available from the product issuer before making a financial decision. Our disclosure documents, can be found on our website.

If you require financial advice, you should seek advice from a qualified financial advisor. The views expressed by individuals are their own and Sharesies does not endorse any of the guests or the views they hold.

A conversation with experts, CEOs, and you. We talk to company leaders and industry experts every week. Listen or watch over lunch or whenever for what&rsquo;s happening in the economy, the markets, and the companies you invest in.
Investing involves risk. This channel is brought to you by Sharesies Limited (NZ) in New Zealand. Information provided is general advice only and current at the time and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the product disclosure documents available from the product issuer before making a financial decision. Our disclosure documents, can be found on our website.
If you require financial advice, you should seek advice from a qualified financial advisor. The views expressed by individuals are their own and Sharesies does not endorse any of the guests or the views they hold.

Shared Lunch

Quick bite: What do industrial property trends reveal about New Zealand’s recovery?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/8ef8d424-7255-4a61-865a-b27f01774674/transcript

Are New Zealand homes becoming riskier to insure as extreme weather becomes more frequent?

In this clip Tower CEO Paul Johnston explains what the insurer is seeing in its own storm data, and why the cost of weather events has been trending higher. He unpacks how Tower is responding with increasingly granular risk-based pricing and why two homes just one street apart can have very different risk profiles.

This clip is a bonus from our previous episode 'How Tower is pricing a riskier New Zealand'

For more places to follow Shared Lunch—check out http://linktr.ee/sharedlunch

Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.

Are New Zealand homes becoming riskier to insure as extreme weather becomes more frequent?
In this clip Tower CEO Paul Johnston explains what the insurer is seeing in its own storm data, and why the cost of weather events has been trending higher. He unpacks how Tower is responding with increasingly granular risk-based pricing and why two homes just one street apart can have very different risk profiles.
This clip is a bonus from our previous episode 'How Tower is pricing a riskier New Zealand'
For more places to follow Shared Lunch&mdash;check out <a href="http://linktr.ee/sharedlunch">http://linktr.ee/sharedlunch</a>
Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it&rsquo;s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions&mdash;including a Target Market Determination and IDPS Guide for Sharesies Australian customers&mdash;can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.

Bite: How insurers are mapping climate risk

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/d84aacbf-b96d-4017-826a-b4be000c823f/transcript

Insurance is getting more expensive and more sophisticated, as climate change, extreme weather and rising costs reshape how insurers price risk.

Tower CEO Paul Johnstone explains why the price of risk in New Zealand has materially changed over the past 15 years, and how Tower is using up to a billion data points to price individual properties based on their exposure to hazards like floods, earthquakes, landslides and sea surge.

He also discusses what rising weather-related losses mean for the insurance industry — and why he still believes insurance is a good business to be in. 

Plus, how Tower is using AI to streamline claims and customer service, why its technology has already saved a million minutes of call time, and how the business is balancing lower premiums with growth and profitability.

For more places to follow Shared Lunch—check out http://linktr.ee/sharedlunch

Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.

Insurance is getting more expensive and more sophisticated, as climate change, extreme weather and rising costs reshape how insurers price risk.
Tower CEO Paul Johnstone explains why the price of risk in New Zealand has materially changed over the past 15 years, and how Tower is using up to a billion data points to price individual properties based on their exposure to hazards like floods, earthquakes, landslides and sea surge.
He also discusses what rising weather-related losses mean for the insurance industry &mdash; and why he still believes insurance is a good business to be in.&nbsp;
Plus, how Tower is using AI to streamline claims and customer service, why its technology has already saved a million minutes of call time, and how the business is balancing lower premiums with growth and profitability.
For more places to follow Shared Lunch&mdash;check out&nbsp;<a href="http://linktr.ee/sharedlunch">http://linktr.ee/sharedlunch</a>
Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it&rsquo;s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions&mdash;including a Target Market Determination and IDPS Guide for Sharesies Australian customers&mdash;can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.

How Tower is pricing a riskier New Zealand

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/0d5c316f-825d-4c5c-93a5-b4b7017edee1/transcript

SHARESIES · MARKET MOVEMENTS · Jacki Neumann, Head of Capital Markets at Sharesies

Note: Filmed Monday 31 August

↑ WHAT'S UP — US indices edged higher, with the S&P 500 up 0.5% and the Nasdaq up 0.9%, while the ASX 200 added 0.4%, propelled by results including Qantas’ 4.8% jump on a $2.06 billion underlying profit, Coles rising 5%, and NEXTDC beating guidance with revenue up 16% on surging AI infrastructure demand.

↓ WHAT'S DOWN — The NZX 50 fell 1.5% in its worst week since May, snapping three weeks of gains. DroneShield sank 11% despite a 74% revenue jump as it swung to a $32.2 million loss, Air New Zealand posted a $336 million full-year pre-tax loss, and Xero drew a 70.6% protest vote against its remuneration report.

! BIGGEST SURPRISES — Australia's July CPI ran hotter than expected at 3.5%, with trimmed mean inflation at 3.6%, lifting the odds of an RBA hike by year-end to 78% from 67%. At Jackson Hole, Fed Chair Kevin Warsh’s tone was hawkish, pushing September US rate-rise odds from around 36% to nearly 60%.

◎ WHAT TO WATCH — The RBNZ meets Wednesday, with markets expecting a 25 basis point hike from 2.5%, and Australia's Q2 GDP lands the same day. In the US, the August employment report on Friday will be a key read ahead of the Fed's next decision on September 16.

◈ BIGGER PICTURE — Inflation is proving stickier than hoped, with a hot Australian CPI and a hawkish Warsh pushing rate-hike expectations sharply higher on both sides of the Pacific. The AI build-out still looks robust — Nvidia flagged hyperscaler capex near US$800 billion this year — but its warning on shrinking margins is a reminder that even the AI winners face cost pressure.

Disclaimer:

Sharesies Market Movements is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand.

This video is general market commentary and educational in nature. It is not financial advice and does not take into account your personal objectives, financial situation or needs. Information is current at the time of recording and may be subject to change. We do not provide recommendations and nothing in this video should be taken as a recommendation to buy or sell any financial product.

Investing involves risk. You might lose the money you start with. Past performance is not indicative of future performance.

If you require personal financial advice, you should consider speaking with a qualified financial adviser. Our disclosure documents and terms and conditions, including a Target Market Determination and IDPS Guide for Sharesies Australian customers, are available on our relevant Australian or NZ website.

SHARESIES &middot; MARKET MOVEMENTS &middot; Jacki Neumann, Head of Capital Markets at Sharesies
Note: Filmed Monday 31 August
&uarr; WHAT'S UP &mdash; US indices edged higher, with the S&amp;P 500 up 0.5% and the Nasdaq up 0.9%, while the ASX 200 added 0.4%, propelled by results including Qantas&rsquo; 4.8% jump on a $2.06 billion underlying profit, Coles rising 5%, and NEXTDC beating guidance with revenue up 16% on surging AI infrastructure demand.
&darr; WHAT'S DOWN &mdash; The NZX 50 fell 1.5% in its worst week since May, snapping three weeks of gains. DroneShield sank 11% despite a 74% revenue jump as it swung to a $32.2 million loss, Air New Zealand posted a $336 million full-year pre-tax loss, and Xero drew a 70.6% protest vote against its remuneration report.
! BIGGEST SURPRISES &mdash; Australia's July CPI ran hotter than expected at 3.5%, with trimmed mean inflation at 3.6%, lifting the odds of an RBA hike by year-end to 78% from 67%. At Jackson Hole, Fed Chair Kevin Warsh&rsquo;s tone was hawkish, pushing September US rate-rise odds from around 36% to nearly 60%.
◎ WHAT TO WATCH &mdash; The RBNZ meets Wednesday, with markets expecting a 25 basis point hike from 2.5%, and Australia's Q2 GDP lands the same day. In the US, the August employment report on Friday will be a key read ahead of the Fed's next decision on September 16.
◈ BIGGER PICTURE &mdash; Inflation is proving stickier than hoped, with a hot Australian CPI and a hawkish Warsh pushing rate-hike expectations sharply higher on both sides of the Pacific. The AI build-out still looks robust &mdash; Nvidia flagged hyperscaler capex near US$800 billion this year &mdash; but its warning on shrinking margins is a reminder that even the AI winners face cost pressure.
Disclaimer:
Sharesies Market Movements is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand.
This video is general market commentary and educational in nature. It is not financial advice and does not take into account your personal objectives, financial situation or needs. Information is current at the time of recording and may be subject to change. We do not provide recommendations and nothing in this video should be taken as a recommendation to buy or sell any financial product.
Investing involves risk. You might lose the money you start with. Past performance is not indicative of future performance.
If you require personal financial advice, you should consider speaking with a qualified financial adviser. Our disclosure documents and terms and conditions, including a Target Market Determination and IDPS Guide for Sharesies Australian customers, are available on our relevant <a href="http://sharesies.com.au">Australian</a> or <a href="https://www.sharesies.nz/legal-documents">NZ</a> website.

Hot Aussie inflation and hawkish Warsh lift hike bets | Market movements

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/cc479478-2cc8-43af-8d47-b4b70169c481/transcript

Quick bite: What do industrial property trends reveal about New Zealand’s recovery?

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