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Sofia Latham four major Australian banks (The Commonwealth Bank of Australia, Westpac, ANZ and NAB), however, proved to be stable. The Reserve Bank responded by cutting the interest rate to 3% as seen in Graph 3, attempting to stimulate the economy and enhance liquidity. Despite this, there was a high aversion to debt/leverage and complex investments, and so almost no one borrowed money from the bank; they were already in heavy debt or mortgage, and were focussed on repaying their debts instead of increasing them. Graph 5 shows the dramatic drop in consumer sentiment during the GFC and in the year following. However, there was a growing attraction to government guaranteed investments, such as government bonds, because they were low risk and a safe investment option. A select few did strategically invest in equity markets when they were low (see Graph 2 and Graph 6), confident that, due to under-priced shares, they could make a very large return. The value of assets were declining; there was in fact no demand for assets, such as real estate, making deflation a serious concern. Real estate was quickly declining in value, and Graph 4 compares the pre-GFC property prices to what they were during the crisis. Graph 4 indicates that especially in the major capital cities was real estate affected the greatest. Post GFC After the Global Financial Crisis, the Australian economy began to look up, and there is now a positive but cautious approach to investing. There is a continuing aversion to debt and mortgage in Australia, however the Reserve Bank has set the interest rates extremely low, at a record rate of 2.5% (Graph 3 shows comparison of cash rate from pre-GFC to post), making it easy and attractive for Australians to obtain funds and invest, particularly in real estate (the low interest rates are being used to encourage borrowing at a time of debt- reluctance). The economy’s improvement over the past five years and low interest rates has set a strong foundation for investing across the board. The equity market has and still is rec overing from the GFC, but the All Ordinaries Index was recently at a six year high as shown in Graph 6. Whether stocks are cheap or expensive depends on the economy and profitability – the stock market has continued to exceed market expectations because of their recovery, thus represents an improving international economy. The investment climate towards the stock market is generally conservative, making investments in healthcare, consumer goods and other blue-chip sectors increasingly popular due to their low risk. The AUD is another reason why the current investment climate is looking up; the strong, stable and positively high Australian dollar (as high as 95 US cents) is encouraging overseas investment, especially in the US stock market in shares such as Google, Apple Inc. and other technological companies. De spite these figures, Australians’ consumer confidence in shares is only warm. Graph 5 indicates that although consumer sentiment did pick up after the GFC, external factors (e.g. the national budget) have caused it not to be sustainable. Australians have seemed to invest in more tangible assets, and are particularly more inclined to invest in property, as it prov ides a Graph 5 Graph 6 Graph 7 All Ordinaries Performance
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