The Money Puzzle

Why property investing will never be the same again

Thu, 16 Jul 2026 19:00:00 +0000

We are only beginning to digest the full impact of the Budget changes for residential property.In short, it will never be the same again. That doesn't mean you can't invest successfully, but it does mean you need to know the new rules.

Cameron Kusher of Kusher Consulting joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

The hunt for yield in residential property
Forget the interest-only loan
How long-term negatively geared investors will thrive
Taking a second look at commercial property

See omnystudio.com/listener for privacy information.

Building a shock-proof investment portfolio

Wed, 15 Jul 2026 00:39:11 +0000

Behind all the market jargon and sophisticated language of wealth managers, there is one gold rule for investors: Don't put all your eggs in one basket. It's time to dig deep on diversification and portfolio allocation.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor James Kirby in this episode.

In today's show, we cover:

The essentials of portfolio allocation
Tactical portfolio shifts in 2026
The trouble with bonds
Why emerging markets are running hot

See omnystudio.com/listener for privacy information.

Can the economy justify a red-hot sharemarket?

Thu, 09 Jul 2026 19:00:00 +0000

The burning question for all investors is whether the global market is running ahead of itself?

Tim Toohey, head of macro strategy for Yarra Capital Management, joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

The growing gap between GDP and market returns
Could inflation fall from here
Emerging value on the ASX
The bear case for bank stocks

See omnystudio.com/listener for privacy information.

Are you prepared for a sharemarket crash?

Tue, 07 Jul 2026 19:00:00 +0000

How would you deal with a global sharemarket crash? Because it’s not a question of if, but when.

The AI boom, which underpinned the bumper super returns for many investors over the last financial year, has been extraordinary; But in mid-2026 even the most optimistic forecasters expect the markets to cool in the second half, while the doomsayers will suggest exuberant global markets are surely heading for a fall.

Liam Shorte of the Sonas Wealth group joins Associate Editor, James Kirby, in this episode.

In today's show, we cover:

Having an opportunity fund for the day the bubble bursts
Harold Evensky's 'bucket strategy' for the investors who need cash flow
Deleting your Dividend Reinvestment Programs for cash
Put Options and 'Bear' ETFs

See omnystudio.com/listener for privacy information.

Why Australian shares let you down this year (and what to do about it)

Thu, 02 Jul 2026 19:00:00 +0000

The numbers don't lie: The ASX did 3 per cent over the 12 months to June, and the S&P 500 did 20 per cent. Unless - like a big super fund - you had half your portfolio invested offshore, the chances are you underperformed in FY2026.

Marc Jocum, investment strategist at GlobalX ETFs, joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

* Wall Street smashes the ASX...again
Why Big Super funds probably beat your SMSF
Which ETFs investors are buying for the year ahead
What the hell happened at CSL?

See omnystudio.com/listener for privacy information.

Special episode: Listener questions on new tax changes

Tue, 30 Jun 2026 19:00:00 +0000

Sweeping changes to Capital Gains Tax, Negative Gearing and Self-Managed Super Funds are confronting investors. How will they affect you?

Stuart Wemyss from the ProSolution Private Clients group joins associate editor, James Kirby on this episode of the Money Puzzle podcast.

In today's special episode, we cover:

How will the CGT changes work?
Winners and losers in negative gearing
Getting around the SMSF borrowing ban
How a tiny government pension can offer a big tax break

See omnystudio.com/listener for privacy information.

Is superannuation still the Budget winner?

Thu, 25 Jun 2026 19:00:00 +0000

The government has made sure that superannuation investors did not entirely escape the investment tax overhaul: Is it still the relative winner as parliament prepares to sign off the Budget?

Adviser James Wrigley of First Financial joins associate editor James Kirby in the episode.

In today's show, we cover:

What you need to know about super post-Budget
A way you can still borrow and use your SMSF to buy property
Investment bonds get another leg up from the government
New twist for new super tax

See omnystudio.com/listener for privacy information.

SMSF property ban - an extra Budget sting for investors

Tue, 23 Jun 2026 19:00:00 +0000

Already reeling from a lift in CGT tax and a ban on negative gearing for existing properties, the Government is set to give the property market one last punch with a looming ban on borrowing inside Self Managed Super Funds.

Beau Arfi of the Maple Property Group joins Associate Editor James Kirby in this episode.

In today's show, we cover:

Not finished with you yet - investors prepare for SMSF property clampdown
How the SMSF ban creates another privileged set of investors
Moving offshore - Why this property professional is switching attention to NZ
Deducting your body corporate fees

See omnystudio.com/listener for privacy information.

Bull market bonanzas and back-flipping Budget moves

Thu, 18 Jun 2026 19:00:00 +0000

Investors are fully stretched trying to keep up with a remarkable period for markets as a record number of Australians make a 50 per cent profit on the SpaceX IPO, while at home the Treasurer announces the first major Budget backflip with a carve out for testamentary discretionary trusts.

Hugh Robertson of Centaur Financial Services joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

How the SpaceX bonanza changes Australian share investment forever
CGT changes: Can the system handle the changeover?
Trust backflip - A sensible solution
Will new homes become the hottest thing in property?

See omnystudio.com/listener for privacy information.

Why property investors are turning to the outer suburbs

Tue, 16 Jun 2026 19:00:00 +0000

With negative gearing soon to be restricted to new buildings, property economics in the Australian market have been turned upside down: Until very recently, the outer suburbs were the last place investors looked for opportunity. But in the months ahead, the outer suburbs look set to become the new 'hot spot' of the wider market.

Anissa Cavallo of Eda Property joins Associate Editor James Kirby in this episode.

In today's show, we cover:

Negative gearing never dies, it just moves to the suburbs
Investors still confused over CGT...but it's simple, you will pay more
Retirees face a tough choice as forced sellers face a soft market
So what constitutes a 'new building' under the Budget changes?

See omnystudio.com/listener for privacy information.

Mega floats, market froth, and whether investing in SpaceX risky or smart

Thu, 11 Jun 2026 19:00:00 +0000

SpaceX lists today (June 12) and will be followed by two more AI mega-IPOs: OpenAI and Anthropic. Collectively valued at more than $US3.5 trillion, every index fund on the planet will be forced to buy them.

Stockspot founder Chris Brycki joins The Australian's Wealth Editor Julie-anne Sprague to discuss whether this is the opportunity of a generation or the most expensive bag-hold in history.

The mega float moment: What the SpaceX, OpenAI, and Anthropic listings mean for your portfolio
ETFs vs. stock picking in a concentrated market
The ASX's innovation gap and why Australian investors can't afford a home-market bias
The CGT shake-up and what it means for your investments

See omnystudio.com/listener for privacy information.

Moving money around the world - Your expat explainer

Tue, 09 Jun 2026 19:00:00 +0000

Many Australians move abroad to earn more money - or at least that's the plan - but it doesn't always work out unless you do your homework first. Likewise, Australians returning from overseas can hit tangles with the ATO unless they think the whole project through very thoroughly.

Brett Evans, the Dubai-based MD of Atlas Wealth Management, joins Associate Editor - Wealth, James Kirby, in this episode.

In today's show, we cover:

How you and your money should move overseas
The hidden cost of being an expat
The best way to bring money back (including pensions).
Is your bank giving you the best deal on international transfers?

See omnystudio.com/listener for privacy information.

What women need to know about super

Thu, 04 Jun 2026 19:00:00 +0000

On average, women retire with 25% less superannuation than men, and one in ten have no super account at all. While you might assume this is purely down to career breaks, evidence shows the disparity starts much earlier - with females under 18 already trailing their male peers. What is really driving this, and what steps can women take to supercharge their savings?

Gemma Dale, head of investor behaviour at NAB Trade joins associate editor James Kirby.

See omnystudio.com/listener for privacy information.

‘Swim between the flags’ : The simple formula for managing money

Thu, 28 May 2026 19:00:00 +0000

Do you speak the language of money? If you - or anyone close to you - cannot understand what the investment market is telling them, there can be a high price to pay.

Investment commentator and Ecstra Foundation chair, Paul Clitheroe joins Associate Editor, James Kirby in this episode.

In today’s show, we cover:

Financial literacy, why it’s crucial and why Australia is struggling to keep up
‘Swim between the flags’ the simple success formula for managing money
Why ‘financial capability’ is the way forward for investors
A road map for financial literacy success

See omnystudio.com/listener for privacy information.

How to legally save tax on property investment with Adrian Raftery

Tue, 26 May 2026 19:00:00 +0000

As a property investor, you may already know the usual tax breaks for properties, like negative gearing, but did you know there are ways to boost your cash flow and tax deductions?

'Mr Taxman' Dr Adrian Raftery author and tax adviser joins Associate Editor, James Kirby in this episode.

In today’s show we cover:

The benefits of using a PAYG withholding variation
Strategies for claiming depreciation
What’s deductible and what isn't?
Repairs vs Improvements on the holiday rental

Please note: this episode was recorded before the recent Federal Budget; check current rules given the slated 2027 changes.

See omnystudio.com/listener for privacy information.

Budget fallout: Before you do anything, do this

Thu, 21 May 2026 19:00:00 +0000

The Federal Budget will be a landmark moment for investors if it all goes through parliament as planned. Investors need to know what happened but also... what might happen next.

Liam Shorte of Sonas Wealth joins Associate Editor James Kirby, in this episode

In today's show, we cover:

CGT changes and your share portfolio
A surprise boost for gold investors
The new attraction of the family home
Negotiables? Budget measures that may be up for review

See omnystudio.com/listener for privacy information.

How to tackle the Budget’s property investment clampdown

Tue, 19 May 2026 23:50:53 +0000

Property investors are trying to piece together the cumulative effect of the bad news in the Budget.
How much will the combined CGT changes and negative gearing clampdown hit returns? For the everyday investor with the average established investment property the expected internal rate of return is set to plunge from 11 per cent to 8.4 per cent.

Stuart Wemyss of the ProSolution Private Office group joins Associate Editor, James Kirby in this episode.

In today’s show, we cover:

How to tackle the tax challenge for property investors
Warning... Get your property revalued
How come so few investors negatively gear new properties?
New tax games emerge with exemptions from the new rules

See omnystudio.com/listener for privacy information.

Budget Special edition: What you need to do

Thu, 14 May 2026 19:00:00 +0000

The 2026 Budget has introduced the biggest tax changes seen in decades: Every investor in Australia will be affected by the measures. Here's what you need to know...and what to do.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor James Kirby in this episode

In today's show, we cover:

The Capital Gains Tax changes:
How negative gearing works from here
Goodbye to the good old days for family trusts
Self Managed Super Funds - If you don't have one, think again...

See omnystudio.com/listener for privacy information.

ETFs...What's next? (with Vanguard CEO Daniel Shrimski)

Mon, 11 May 2026 19:00:00 +0000

Australian investors have fully embraced Exchange Traded Funds. Now, as the gap between managed funds and index funds narrows, investors want to know what's next on the menu?

Daniel Shrimski, CEO of Vanguard Australia joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

The changing shape of ETFs
Industry leaders warn on CGT changes
Vanguard's ISA plan for Australia
The ETF dilemma - Selling a stock that's done too well

See omnystudio.com/listener for privacy information.

Beyond property: Why it's time to widen your investment horizon

Thu, 07 May 2026 19:00:00 +0000

Investment property and high-dividend-paying shares are about to get a tax hit in the Budget: So, it's the perfect time to look wider for the active investor.

Jack Tossol of the Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode.

In today's show, we cover:

The persistence of private equity
How 'growth' shares get hit with planned CGT changes
Are start-ups really disadvantaged in the tax system?
How to find the purchase price of very old shares

See omnystudio.com/listener for privacy information.

Who really gets hit with higher rates?

Tue, 05 May 2026 19:00:00 +0000

Interest rate hikes are just not the same anymore: Once upon a time, they hit the mortgage belt, that fictionalised housing strip in the outer suburbs populated by young families. Today the RBA’s weapon of choice lands heavily instead on older Australians.

What does it mean for the property investor?

Nerida Conisbee, chief economist at Ray White Group, joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

Investing with rising rates
The case against two more rate hikes
Why banks are offering longer-lasting mortgages
Will negative gearing be effectively restricted to new houses?

See omnystudio.com/listener for privacy information.

After the oil shock: Who's really making money?

Thu, 30 Apr 2026 19:00:00 +0000

The Iran crisis oil shock is creating winners and losers in the sharemarket, but it may not be playing out as you expect. Yes QANTAS is hit, but diesel-guzzlers BHP and Rio re big winners. How's that? And why is Wall Street streaking ahead of the ASX once more even though both markets are facing the same energy issues?

Business columnist Eric Johnson joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

New realities of the sharemarket after an oil price spike
The AI boom resumes...where are the Aussie players?
Firmus - The biggest IPO from a company you've never heard about
If EVs are now red hot...is lithium about to boom again?

See omnystudio.com/listener for privacy information.

You're biased! - The six signs of investment bias that hold you back

Tue, 28 Apr 2026 19:00:00 +0000

Once you get on top of the basics, then investing should get a lot easier. But the hidden factors that make a difference between winning and losing inside the investment market - including the property market - often have more to do with bias.

Rasti Vaibhav of the Get RARE property group joins Associate Editor, James Kirby, in this episode.

In today's episode, we cover:

The six signs you're a biased investor
The specific issues where bias hits the property investor
How lessons from the sharemarket transfer to property
CGT - If the reforms are only for residential property, what about A-REITs?

See omnystudio.com/listener for privacy information.

Private credit - How bad is this going to get?

Thu, 23 Apr 2026 19:00:00 +0000

The private credit boom is having a shake-out: But not before many Australian investors - and big super funds - placed a lot of money into what has been, until very recently, a boom business. What's on the line and where is the exposure?

Andy Darroch of Independent Financial Advice joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

The problems plaguing private credit
How local wealth managers and big funds are linked with the crisis
Liquidity - If you did not know what it meant, you will now
How to assess private credit as an asset class from here

See omnystudio.com/listener for privacy information.

What you should be paying on your borrowings (and getting on your cash)

Tue, 21 Apr 2026 19:00:00 +0000

The upside of higher interest rates is that you might get more on your money in the bank. But it turns out that anyone who uses a 'bonus' account (which is where the banks offer the best rates) must satisfy the terms and conditions each month.And guess what? More than 40 per cent of savers in this category don't meet their T&Cs each month - that means they don't get the rate rise. With rates rising it’s time to get across the numbers.

In today's show, we cover:

Sally Tindall, data insights director at Canstar joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

The best cash and borrowing rates in the market
How the other half gets short-changed - with bonus rates
Should you ever use a bank you never heard of?
The NDIS...is there a way out of the mess for the government?

See omnystudio.com/listener for privacy information.

Your top tax hacks for FY 2026

Thu, 16 Apr 2026 19:00:00 +0000

You've only got a few months to go before the end of the financial year: It's time to plan your tax returns...and yes, this year - with soaring transport costs and changing super caps - it will be different.

'Mr Taxman' Dr Adrian Raftery author and tax adviser joins Associate Editor, James Kirby in this episode

In today's show, we cover:

Don't miss the chance to claim your soaring transport costs
How to optimise your work from home deductions
The excellent deal available to anyone leasing an electric car
Why superannuation is not the only deduction for the salaried investor

See omnystudio.com/listener for privacy information.

Why residential rental income is about to move higher (again)

Tue, 14 Apr 2026 19:00:00 +0000

It was not supposed to happen this year: Vacancy rates were meant to rise in 2026 and income was expected to flatten…not at all. Property investors are suddenly grappling with a reshaped market where forecasts have been turned upside down.

Louis Christopher of SQM Research joins Associate Editor James Kirby in this episode.

In today’s episode, we cover:

As you were! The upset trend of the year for property investors
The downgrades keep coming for house prices
CGT looks set to increase
Will a two-property negative gearing limit hurt?

See omnystudio.com/listener for privacy information.

Separately Managed Accounts: Advisers love them, but should you?

Thu, 09 Apr 2026 19:00:00 +0000

SMAs are booming inside the financial advice sector: But if they are so terrific, then why is regulator ASIC asking so many probing questions around fees and conflicts of interest?

Nathan Fradley of Fradley Advice joins Associate Editor, James Kirby in this episode.

In today's show, we cover...

The good, bad and potentially ugly side of the SMA boom
Will SMSFs get a fair deal in the new Compo scheme of last resort
Reward points and super funds- a marriage made in the marketing department
Why are financial advice fees not coming down if AI cuts costs?

See omnystudio.com/listener for privacy information.

Where investors will hunt in the looming property downturn

Tue, 07 Apr 2026 19:00:00 +0000

You can’t have a run of interest rate hikes and expect property to shoot out the lights. The chances are we are going to see a price slowdown in the major cities later this year…especially at the top end. But a string of factors point to serious resilience at the other end of the market.

Independent housing analyst, Eliza Owen, joins Associate Editor, James Kirby in this episode

In today’s show, we cover:

The key factors keeping demand strongest at the entry level
How the 5% home deposit scheme skewed house prices
A new CGT discount rate of 33% is now the most likely Budget change
The problem with ‘grandfathering’

See omnystudio.com/listener for privacy information.

Bringing it all back home - Why the oil shock is turning investors back to the ASX

Tue, 31 Mar 2026 18:00:00 +0000

What are investors doing in reaction to the shocking turn in markets during the first three months of 2026?

One of the first moves is a distinct retreat from Wall Street back to the ASX, as investors seek mining and energy stocks along with blue chips that can deliver reliable dividends. It's early days but we are also seeing a pick-up in defensive investments such as infrastructure and a little less enthusiasm for gold.

David Bassanese, chief economist at ETF provider Betashares, joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

The surprise swing back to the ASX
Where to invest now?
The continuing case for gold (despite a bad run)
CGT - To grandfather or not to grandfather?

See omnystudio.com/listener for privacy information.

How wealthy investors are dealing with the Iran crisis

Thu, 26 Mar 2026 18:00:00 +0000

If you want to get advice from today's guest, Ben James of Escala Partners, you need to have at least $5m in your investment portfolio. In other words, his clients are strictly from the top end of town. So what have his clients been doing since the Iran crisis broke in February, and what is he telling them to do next?

Ben James, CEO of Escala Partners, joins Associate Editor, James Kirby in this episode

In today's show, we cover:

The inflation shock to markets and what you must do next?
Liquidity beyond cash for the everyday investor
The next hot spots for active investors
Are dividends vulnerable in the months ahead

See omnystudio.com/listener for privacy information.

'Pump and dump' warning for interstate property investors

Tue, 24 Mar 2026 18:00:00 +0000

Buyer's agents armed with rubber-stamp qualifications are herding investors into overpriced regional hot spots just in time for a looming wave of rate rises...it's an accident waiting to happen.

Veronica Morgan from Good Deeds Property Advisors joins Associate Editor, James Kirby in this episode.

In today's show, we cover

A warning for investors buying outside their home markets
The off-the-shelf buyer's agent qualification you should know about
Crunch looms for first home buyers on the 5% home deposit scheme
Why property owners may sell up prior to CGT Budget change

See omnystudio.com/listener for privacy information.

The typical traits of the Rich 250 in 2026

Thu, 19 Mar 2026 18:00:00 +0000

What do the super-rich have in common? The everyday investor might never be a dealmaker, but they can learn a lot from the discipline, focus and confidence common to the cohort on this year's Rich 250 list.

John Stensholt, Rich 250 Editor joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

The common traits among the Rich 250
Who's who on the list and why they make the cut
How the share market AI v Software battle reshapes the list
Couple-power...the underrated factor in building wealth

See omnystudio.com/listener for privacy information.

Rates up, so should you fix your mortgage now?

Tue, 17 Mar 2026 18:00:00 +0000

Cash rates are now more than 4 per cent and your mortgage is around 6 per cent: What's more, it looks very much like the hiking cycle is far from over, so should you fix at these levels?

Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

To fix or not to fix...the dilemma bites
Surprise good news for older cash hoarders
SMSF property lending cleared for take off
How much insurance do you really need?

See omnystudio.com/listener for privacy information.

Chris Judd on his new game: stock picking

Thu, 12 Mar 2026 18:00:00 +0000

Former AFL star Chris Judd has become a fund manager specialising in 'small cap' stocks: No surprise, he's got some clear views on the share market and what investors should be doing as higher interest rates loom.

Chris Judd of the Cerutty Macro Fund joins Associate Editor - Wealth, James Kirby, in this episode .In today's show, we cover:

The share market according to Chris Judd
How Judd's Cerutty Macro Fund finds stocks
The stocks he is concentrating on in 2026
A once-in-blue-moon Money Puzzle footy tip!

See omnystudio.com/listener for privacy information.

Rentvesting - A better way to make it work

Tue, 10 Mar 2026 18:00:00 +0000

"Rentvesting' is increasingly popular where wannabe home owners move first to buy a rental property and later to use their accumulated equity to buy 'a forever family home.' But putting some of your capital into the sharemarket, rather than the property market may be much more lucrative...and even better if CGT tax is raised in the near future.

Author Jacqui Clarke, Your Personal CFO joins associate editor, James Kirby on this podcast episode.

In today's show, we cover:

Rentvesting - It takes longer than you think
CGT changes - How they will impact house prices, according to CBA
Fixed rate mortage break costs - The bank that is not charging at all
Medicare Levy Surcharge...watch out for this trap

See omnystudio.com/listener for privacy information.

Iran crisis special: what you need to know

Thu, 05 Mar 2026 18:00:00 +0000

These are very early days in the Iran war and the impact on share markets is far from clear. But already we can see there is upward pressure on interest rates around the world, there is also a clear risk of an inflation spike due to oil supply.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

Why the Iran war will push rates higher
The bull market for global shares is now under serious pressure
How AI is especially vulnerable to increased energy prices
Private credit is a flash point in a volatile market

See omnystudio.com/listener for privacy information.

Negative gearing… who needs it anyway?

Tue, 03 Mar 2026 18:00:00 +0000

Though 80,000 investors own more than two negatively geared properties, the reaction to news that the government is planning to ‘cap’ the tax break has been low-key. Perhaps that’s because losing money on an investment property should not be the first aim of an investor.

Jarrod McCabe of the Wakelin Advisory Group joins Associate Editor, James Kirby in this episode

In today’s show, we cover:

How will a negative gearing cap affect the market?
Finding value where first-home buyers have reached their limits
Can Adelaide hang on to its promotion as a top investor location?
Defence site sales loom across the nation

See omnystudio.com/listener for privacy information.

Private credit - the boom boils over

Thu, 26 Feb 2026 18:00:00 +0000

Everyday investors have been heavily sold private credit funds as an alternative investment and now the reality of this opaque, often illiquid market is starting to bite.

Dr Doug Turek of Minchin Moore joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

Problems with private credit spook investors
Have commissions for financial advisers returned?
Why government bonds are back
The best way to buy a US market ETF

See omnystudio.com/listener for privacy information.

Property investors fret over CGT but rate rises may stall soon

Tue, 24 Feb 2026 18:00:00 +0000

Are we looking the wrong way? As property investors fret over likely lifts in Capital Gains Tax, the bigger issue for long term investors is interest rates: Despite the industry-wide assumption that we are in a new rate hike cycle, it is looking increasingly likely that rates are not going to go through the roof, in fact some already believe we should be thinking about lower rates in the near future.

Dr Sam Wylie of the Windlestone Education group and Melbourne Business School joins Associate Editor James Kirby in this episode

In today's show, we cover:

The CGT scare - How will if affect you
How share investing may have a tax advantage over property soon*
Interest rate hiking cycle...maybe not?
Is super recontributing a form of money laundering? asks a listener

See omnystudio.com/listener for privacy information.

Inheritance tax: Has something changed?

Thu, 19 Feb 2026 18:00:00 +0000

More investors are coming to realise that inherited super is taxed at 17 per cent, but the government has stirred a hornet's nest in adding a de facto death tax into the new super tax legislation. What to do?

Hugh Robertson of Centaur Financial joins Associate Editor James Kirby in this episode.

In today's show, we cover:

Inheritance tax changes : What you need to know
Understanding your super caps for the year ahead
How the kids raise your Medicare Levy Surcharge
Dealing with overseas shares and ETFs

See omnystudio.com/listener for privacy information.

Should you put your extra dollars in super or the family home

Tue, 17 Feb 2026 18:00:00 +0000

At the very core of wealth building is the dilemma of setting up your super or making sure you own a home; The long-term returns on both investment choices are broadly similar, but the tax system is hugely in favour of the home-owner. So what to do?

James Gerrard of www.financialadviser.com.au joins Associate Editor James Kirby in this episode

In today's show, we cover:

The in-built bias against renters in the tax system
If you already contribute 12% to super by law- should you add more?
The lesser-known bias against renters in pensions and super
Optimising the tax system to your life-stage

See omnystudio.com/listener for privacy information.

Inflation is eating your investment returns...what to do?

Thu, 12 Feb 2026 18:00:00 +0000

Interest rates are moving higher again as the RBA renews its battle with inflation: It's time to think seriously about inflation-proofing your investments, and that means a lot more than buying some gold.

Chris Brycki of the Stockspot group joins Associate Editor - James Kirby in this episode.

In today's show, we cover:

The full menu for inflation-proofing your investments
Big super funds don't have gold, but should you?
Why Japan is back on the radar for sharemarket investors
Dangers of market timing your superannuation choices

See omnystudio.com/listener for privacy information.

How to become a property investor for $300,000

Tue, 10 Feb 2026 18:00:00 +0000

'You can't get into the property investment market for less than $1m' is something you may hear regularly...but is it true? High-profile investor Nathan Birch says not only can you get into the market for $300,000 or less, but you can do it without negative gearing.

Nathan Birch of the B Invested group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Buying cheap - how to get started in property
Why entry-level property is the hot spot
Property types that fit the bill
Locations across Australia still offering good value

See omnystudio.com/listener for privacy information.

Why you must take more risk for longer than you think

Thu, 05 Feb 2026 18:00:00 +0000

Whether you are with a big super fund - or run your own SMSF - the outstanding risk for your long-term return is whether your portfolio is appropriate for your age? The chances are that you are being too conservative because you are going to live a lot longer than you realise.

Anna Shelley, chief investment officer at AMP joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Are you taking enough risk?
The end of traditional age-based rules for investors
A new era of inflation could shrink your spending power
Getting to know the 'bucket strategy'

See omnystudio.com/listener for privacy information.

Gold... is this the pullback you've been waiting for?

Tue, 03 Feb 2026 18:45:00 +0000

Gold prices jumped dramatically last year and then soared through the $US5,000 milestone last month: Now the price is suddenly heading south as profit takers push the price down closer to $US4,660. Some listeners may have missed the gold rally, our guest today - a specialist gold mining stock picker - says this might be a time to reconsider.

David Franklyn of the Argonaut Gold Fund joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Gold prices drop as rally stalls...how to play the pullback?
Why gold miners are set to boom in the next phase of the gold rally
Managed funds versus ETFs for gold investors
Top gold stocks to consider now

See omnystudio.com/listener for privacy information.

Listener Questions Answered : Defensive assets, super tax sting and US investment risks

Thu, 29 Jan 2026 18:00:00 +0000

The sharemarket is surging and we are trading like it's late 2007, which makes it a very good time to review how your portfolio would fare if things turn sour.It's also time to catch up on new changes in super.

Liam Shorte of the Sonas Wealth group joins Associate Editor, James Kirby in this episode
In today's show, we cover:

Cash, annuities and hybrids
Stings in the new super tax bill
US investments and Australian tax
Should I transfer my UK pension back to Australia?

See omnystudio.com/listener for privacy information.

Property tax risks rise for the year ahead

Tue, 27 Jan 2026 18:00:00 +0000

If you are planning to put more money in the property market this year, be warned the risks of tax changes are now clearly on the table: Top of the agenda is a wind back in Capital Gain Tax concessions.

Peter Esho of Flexdoc joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

The biggest tax risk for property investors this year
How Victoria's Airbnb tax has backfired
Property's role as a 'hard asset' in a time of currency debasement
Our 'listener questions' segment returns

See omnystudio.com/listener for privacy information.

Your complete 2026 investment outlook

Thu, 22 Jan 2026 18:00:00 +0000

How many years can a bull market last? What will it take to dampen investor sentiment in the year ahead, and what should you, the active investor, be doing?

Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth, James Kirby in this episode

In today's show, we cover:

The risks and opportunity in the 2026 listed markets
How to defend against the looming risk of inflation
Gold - do you have it, how much should you have ?
Fading into rallies - the art of taking profits at the right time

See omnystudio.com/listener for privacy information.

The outstanding property opportunity in 2026

Tue, 20 Jan 2026 18:00:00 +0000

Property prices are tipped to rise by 5 per cent in 2026 : But where will investors really make their money?In our property investment outlook show for the year ahead, we identify the property sector that is ready to rebound...and we pinpoint the best location too.

Stuart Wemyss of the ProSolution Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Higher rates and tighter lending - the risks this year
The property sector which is ready to rebound
Why the bottom end of the market is the hottest patch
Adelaide running out of puff, Melbourne due it's day in the sun

See omnystudio.com/listener for privacy information.

Top stock picks for 2026 (with Jun Bei Liu)

Thu, 15 Jan 2026 18:00:00 +0000

The ASX can return 10 per cent again in 2026...or maybe even more, says star stockpicker Jun Bei Liu...but what to buy? In this second part of our 2026 investment outlook, she outlines very clearly the red-hot sectors offering the top stock picks and also the parts of the market to avoid.

Jun Bei Liu of Ten Cap joins Associate Editor - Wealth, James Kirby in this episode

In today's show, we cover:

How miners will make you money in the year ahead
Banks, REITs and retailers could let you down
Can CSL return to its glory days?
Liu's stand out stock to consider...and one to avoid

See omnystudio.com/listener for privacy information.

Your shares in 2026

Tue, 13 Jan 2026 18:00:00 +0000

It looks like the sharemarket will once again be the place to make money in 2026, especially on Wall Street. But it's not going to be a smooth ride: In the first weeks of the year, the US has unleashed a wave of foreign interventions - and President Trump has subpoenaed Fed Reserve chair Jay Powell - triggering alarm bells on Wall Street.

Marc Jocum, investment strategist at GlobalX ETFs joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover

The outlook for investment markets in 2025
Forecasts for the ASX in the year ahead
Key predictions for Wall Street
The improved prospects in wider global markets

See omnystudio.com/listener for privacy information.

Summer series: Investing Secrets from $1.5bn Fund Manager Jun Bei Liu

Tue, 06 Jan 2026 18:00:00 +0000

In this episode of The Money Puzzle, The Australian’s Wealth Editor, Julie-anne Sprague, unpacks what it takes to be a great investor with one of the nation's top stockpickers, Jun Bei Liu. How did Liu learn to invest? What did she learn when things went wrong and what's her advice for everyday investors wanting to build their wealth?

Jun Bei Liu of Ten Cap joins Wealth Editor Julie-anne Sprague in this episode.

Please note, this is a repeat episode of The Money Puzzle. It originally aired in December 2024.

See omnystudio.com/listener for privacy information.

Summer series: Is your home the worst investment you’ll ever make?

Thu, 01 Jan 2026 18:00:00 +0000

If it wasn’t said by a top financial adviser, you might dismiss it as a quote out of context, but Partners Wealth Group Jack Tossol is not kidding: He says a generation that has ‘sunk everything’ into the family home will miss the chance to have a successful tax-deductible investment plan.

It’s a provocative notion, challenging die-hard principles of money management, but with house prices moving higher again...you have to listen.

Financial adviser Jack Tossol of Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode.

In today’s show, we cover

No tax deduction, no income…Is home ownership overrated?
Why ‘Rentvesting’ is worth revisiting
Are you facing decades of ‘dead money' in your home mortgage?
Challenging the ‘retirement sweet spot’

Please note, this is a repeat episode of The Money Puzzle. It originally aired in August 2025.

See omnystudio.com/listener for privacy information.

Summer series: FIRE - Financial Independence, Retire Early - Could you do it?

Tue, 30 Dec 2025 18:00:00 +0000

What is the FIRE movement and how did it get started? It's not a club or a cult: It doesn't have a headquarters, rather it's a set of investment principles: And it just might be a breakthrough for you in the year ahead.

Lionel Lee joins James Kirby in the episode.

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In today's show, we cover:

The key principles of FIRE
Getting the best from what the movement has to offer
A case study that spans a lifetime
The realities of 'firing up'

Please note, this is a repeat episode of The Money Puzzle. It originally aired in December 2024.

See omnystudio.com/listener for privacy information.

Money Movies - The Australian's film critic picks his all-time favourites

Tue, 23 Dec 2025 18:00:00 +0000

Who doesn't love a good movie? Power, romance, ambition, betrayal...actually, that sounds more like a classic 'money movie'. In this special holiday show, The Australian's film critic Stephen Romei, guides us through the best movies about money.

Stephen Romei, The Australian's film critic joins Associate Editor - Wealth, James Kirby in this special episode.

In today's edition, we cover:

Money movies - Do they tell us anything useful?
Margot Robbie's double act - How she features in two all-time greats
'The Bank' - Australia's unique contribution to money movies
Movies you never thought were about money (but tell you more than Wall Street)

See omnystudio.com/listener for privacy information.

Struggling in the final lap: Your 2025 investment year

Thu, 18 Dec 2025 18:00:00 +0000

Investment markets are sliding in the final days of the year with the ASX 200 looking like it will manage just 8 per cent in total returns: Even Wall Street has softened in the final quarter of the calendar year bringing home about 16 per cent. What a year for the active investor! How was it for you?

James Gerrard of www.financialadviser.com.au joins Associate Editor, Wealth James Kirby in this episode.

In today's show, we cover:

Global markets pull us up
The ASX - Large caps bad, small caps good
Winners and losers in a volatile year
Gold V Bitcoin - No further questions your honour!

See omnystudio.com/listener for privacy information.

The no 1 formula for locating property investment success

Tue, 16 Dec 2025 18:00:00 +0000

Terry Ryder of the Hotspotting group is Australia’s top expert in choosing locations for investors.Today he spells out his ‘simple formula’ for the everyday investor that offers opportunity across the national market.

Terry Ryder of the Hotspotting group joins Associate Editor - Wealth, James Kirby in this episode.

In today’s show, we cover:

The Hotspotting formula for finding a successful investment property
Which markets will suit the formula best in 2026
Momentum accelerates in the first home buyer segment
Has Adelaide property peaked?

See omnystudio.com/listener for privacy information.

Have Aussie shares let you down this year?

Thu, 11 Dec 2025 18:00:00 +0000

It sounds reasonable at first glance: Shares on the ASX are up more than 5 per cent over the year to date - add your dividends and you might get close to a 9 percent total return. But then we have a 17 per cent year-to -date return on Wall Street. This is not a once-off: Wall Street has beaten the ASX out the door for more than decade, will it ever change?

Gemma Dale, head of investor behaviour at nabtrade joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

The hard evidence that local shares let you down Why Wall Street wins ...and it's not just Trump
Gold puts crypto in the shade
Should SMSFs pay levy for bad advice?

See omnystudio.com/listener for privacy information.

YIMBY! Building in the backyard: the intergenerational breakthrough

Tue, 09 Dec 2025 16:00:00 +0000

Everyone is feeling the squeeze of sky-high property prices: At the same time, state governments across Australia are actively encouraging 'densification'. No wonder, more investors are looking at optimising the land value of their homes by building out the back.

Financial adviser Nathan Fradley joins Associate Editor - Wealth, James Kirby in this episode.

Here's a guide:

Beyond the 'granny flat' - how tax benefits flow to intergenerational property
Can we get on...who pays for what?
How recent planning and tax changes make intergenerational living easier
Know your rights...why advice is crucial in this area.

See omnystudio.com/listener for privacy information.

Die with zero: Why you should give it away sooner

Thu, 04 Dec 2025 16:00:00 +0000

Why are you holding on to that investment property to help your kids buy a house one day? This question captures the broader concept raised by the 'Die with Zero' movement, which calls for investors to transfer wealth sooner rather than later.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor, Wealth - James Kirby, in this episode.

In today's show, we cover:

The debate over intergenerational fairness
Practical tips for helping your children buy a house
The broader attraction of 'Die with Zero'
An update on the latest home grant blitz

See omnystudio.com/listener for privacy information.

Why fixing your mortgage rate means you will lose money

Tue, 02 Dec 2025 18:00:00 +0000

Banks won't tell you if you're better off with a fixed-rate mortgage. But strong evidence shows most borrowers will lose when they bet against the bank by settling on a three-year fixed rate. With expectations building that RBA rates may rise, fixed rates seem attractive once more, but you need to know why the odds are against you.

Stuart Wemyss of the Prosoluton Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

You fix, you lose: here's the data over two decades
The new APRA lending limits
How non-banks will now rush the mortgage market
Pressure mounts on CGT for residential investments

See omnystudio.com/listener for privacy information.

Do I really need that much? The problem with superannuation calculators

Thu, 27 Nov 2025 18:00:00 +0000

ASIC Commissioner Alan Kirkland is the top cop for consumers in the investment markets - and he wants you to know that those superannuation calculators that suggest you need very large amounts of money to retire can be unreliable.In Kirkland's view, those calculations often tend to be too high.Sure, aspire to having as much as you can in super - but don't believe all you read... especially if it's compiled by someone who gets paid for getting your money on the books.

ASIC Commissioner Alan Kirkland joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

What you need to know about superannuation calculators
The First Guardian Super Fiasco - can we stop it happening again?
A fresh warning on the private credit boom
Moneysmart updates its offering

See omnystudio.com/listener for privacy information.

The Olympic-sized property opportunity

Tue, 25 Nov 2025 18:00:00 +0000

Anyone who remembers the powerful escalation in prices for the Sydney 2000 games does not need to be convinced that Brisbane is going to be a very good opportunity in the run-up to the 2032 games. So what's the catch? Today we look at the recent history and challenges of the nation's third biggest residential market...

Sam Price, buyer's advocate with Templeton Property joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Brisbane - Where are the bargains?
Why you will need a flood map in the Sunshine State
Property 'finfluencers' force Macquarie Bank clampdown
Negative gearing reforms - this idea may have legs

See omnystudio.com/listener for privacy information.

Special Edition - Australia's Top Financial Adviser tells all

Thu, 20 Nov 2025 18:00:00 +0000

Matthew Cassidy of Partners Wealth Group has just taken the top spot in this year's Barron's Top 150 Advisers List. He offers a unique perspective on what you need to know about advice, and how to deal with an investment market that is clearly at the top of the cycle.

Matthew Cassidy of Partners Wealth Group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

What you should expect from a top financial adviser
How to prepare for a sharemarket downturn
Sequential risk - The biggest financial threat to the pre-retiree
Taking profits off the table

See omnystudio.com/listener for privacy information.

Lending limits return as a risk in a red-hot residential market

Tue, 18 Nov 2025 18:00:00 +0000

It had to happen, just as the residential property market is rebounding, there are concerns that regulators may 'remove the punchbowl.' NAB has revived talk of rules that would limit investor lending. Meanwhile, the tax office is threatening to deny tax deductions on holiday homes unless investors make their properties available at peak times such as Christmas.

Anissa Cavallo of the Eda Property Group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

'Rentvestors' are riding the upsurge in residential prices
Big banks raise the possibility that lending limits could be back on the agenda
The ATO's 'Big Brother' threat on holiday homes
New ideas on negative gearing and

See omnystudio.com/listener for privacy information.

Private equity - Are you getting the crumbs from the table?

Thu, 13 Nov 2025 18:00:00 +0000

The avalanche of unlisted private funds aimed at retail investors is at full tilt. It's been a seriously profitable activity for endowment funds: So why have they been getting out of late?
It's time to take a hard look at a boom that's raising a lot of questions.

Andy Darroch of Independent Wealth Advice joins Associate Editor - Wealth, James Kirby

In today's show, we cover:

Why are you being sold private equity funds anyway?
Disturbing trends in the unlisted market
Big Super does unlisted better - can you ever rival it?
Clarifying some key issues around the new super tax

See omnystudio.com/listener for privacy information.

Nowhere to move: The hidden driver of rising house prices

Tue, 11 Nov 2025 16:00:00 +0000

We tend to discuss the nation's rental crisis in terms of the difficulties faced by young renters: But a one per cent vacancy rate also means anybody selling a home will find it difficult to rent in between selling and buying.This relatively new dynamic in the market also explains why it's Australia's hottest markets such as Brisbane and Perth where there is the least number of homes for sale.No wonder investors are returning to the property market.

Cameron Kusher of Kusher Consulting joins James Kirby - Associate Editor, Wealth in this episode.

In today's show, we cover:

The hidden factor that keeps pushing home prices higher
Standby for a lengthy interest rate freeze
The damage caused by a universal first home deposit scheme
Why the 'Millionaire next door' still has a message for all investors

See omnystudio.com/listener for privacy information.

'Expense Creep': The silent killer of investment dreams

Thu, 06 Nov 2025 18:00:00 +0000

Most active investors are pretty good at making money: After all, if they were no good at it, then they would leave the work to someone else. But what about holding onto it? Does your investment success convert to long-term accumulation?

Author Jacqui Clarke joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

The hidden cost of 'expense creep' to your life plans
Translating the principles of good management to investment choices
Asset-rich and cash-poor - It doesn't have to be this way
Cash ETF are worth a look

See omnystudio.com/listener for privacy information.

Why house prices will keep going higher... even without further rate cuts

Tue, 04 Nov 2025 18:00:00 +0000

The focus might be on interest rates, but the outstanding driver for residential prices is the lack of supply: We already know home building is falling behind, but apartment numbers are also being held back because the numbers don't add up for developers.In today's show, a leading developer explains why he believes investors can bet the momentum in the market will be very hard to stop under current conditions.

Max Shifman CEO of residential developer, Intrapac Property joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

It's not about interest rates, it's about supply
The future of the one-bedroom investment apartment
Should investors concentrate on transport hubs?
What happens if rates start rising again?

See omnystudio.com/listener for privacy information.

The Critical Minerals boom - how to play it?

Thu, 30 Oct 2025 18:00:00 +0000

Australian investors are perfectly placed to profit from the critical minerals boom.In fact, fortunes have already been made and lost on the market.Now the game enters a new phase as both the Australian and US agree to bankroll the sector. Where to start?

Josh Chiat, mining correspondent with Stockhead joins Assoicate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Critical minerals - what you need to know?
Are you ready to ride the roller-coaster
Key stocks in the sector
The ETF route into critical minerals

See omnystudio.com/listener for privacy information.

Time to think about fixing rates?

Tue, 28 Oct 2025 18:00:00 +0000

It's hard to believe that during the Covid crisis, nearly half of all mortgages were being 'fixed' - today the level is less than 5 per cent. With economists calling the end of the cutting cycle for the RBA, early movers could gain a serious competitive advantage if they fix their borrowing costs in the months ahead.

Sally Tindall, data insights director at Canstar joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Back from the dead: Fixed rates return to centre stage
Why we may already be looking at the bottom for bank mortgage rates
'Split mortgages'- a bet both ways?
The outlook for deposit rates

See omnystudio.com/listener for privacy information.

Final cut on the new super tax

Thu, 23 Oct 2025 18:00:00 +0000

The Treasurer has finally clarified how the revamped plans for the new super tax will work - including how Capital Gains Tax will work...it's a template for the future, make sure you are up to speed.

James Gerrard of www.financialadviser.com.au joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Final cut on the new super tax
Is the gold sell-off serious?
Tax consequences of renting your home* If annuities are so good...where are the deals?

See omnystudio.com/listener for privacy information.

Investors derailed! Hard lessons from Sydney Metro

Tue, 21 Oct 2025 18:00:00 +0000

The opening of a 30 km new line across the middle of Sydney should have been a bonanza for investors; But one year later prices inside the rail catchment area have lagged the wider city market.What happened - and what does it mean for investors betting on infrastructure projects across the nation?

Tim Lawless, head of research at Cotality joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Why prices along Sydney's new rail line are trailing the market
Too late to the party? Inside metro house price history
Will Melbourne metro have the same story as Sydney?
Brisbane's Olympic outlook

See omnystudio.com/listener for privacy information.

Is it too late to buy gold!?

Thu, 16 Oct 2025 18:00:00 +0000

Gold price records are being smashed. Moreover, the volume of money being sunk into gold ETFs and gold miner shares is also reaching spectacular levels: But does that mean it's the top of the market?

Gemma Dale, head of investor behaviour at nabtrade joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

The arguments for a continued escalation in gold prices
How Australians are buying their gold
What the world's most influential forecasts are predicting
Why gold miners can still blow it...even in a boom

See omnystudio.com/listener for privacy information.

Property investors brace for new super tax squeeze

Tue, 14 Oct 2025 18:00:00 +0000

Investors who have held property as the backbone of their retirement portfolios will be the first in line for the new taxes on super…especially at the top end. But what will the ‘final’ template for the new super tax mean for everyone else?

Stuart Wemyss of ProSolution Private Clients joins Associate Editor - Wealth, James Kirby in this episode

In today’s show, we cover:

Ouch! Super tax on many properties will double
Top-end turnover…40% wealth tax will drive sales in luxury property
Doing your numbers afresh, super should still beat the alternatives
Why this time around the Treasurer will get his tax plan through parliament

See omnystudio.com/listener for privacy information.

The common financial mistakes forcing people to work longer

Thu, 09 Oct 2025 18:00:00 +0000

Most people worry about whether they have enough money to have a comfortable retirement. Financial adviser James Wrigley has a framework to help people better plan and therefore enjoy the retirement they want.

In this episode, James Wrigley joins The Australian's Wealth Editor Julie-anne Sprague to explain his top tips to knowing what you need to retire on and how to get there.

Also on this episode:

How to work out how much you need to retire on
Strategies to build wealth into retirement
How James Wrigley became big on social media
Super contributions to maximise tax benefits

See omnystudio.com/listener for privacy information.

Mortgage wars: why the banks are offering sweeter deals

Tue, 07 Oct 2025 18:00:00 +0000

The major banks don’t usually offer big deals to first home buyers, usually because beggars can’t be choosers. But that's changing. There's big incentives on offer, including massive amounts of frequent flyer points and lower interest rates. So, can you snag a better deal even if you're not a first home buyer?

The Australian's wealth reporter Anthony Keane joins Julie-anne Sprague, Wealth Editor at The Australian, to unpack the latest.

Also in this episode, we detail how you can build an investment property without parting with a single cent. How much equity do you need in your home to be able to do this, what are the traps to be aware of and how can you maximise returns?

See omnystudio.com/listener for privacy information.

The great wealth transfer: what you need to know before gifting money

Thu, 02 Oct 2025 19:00:00 +0000

Many parents and grandparents want to be able to help their children, and do so while they’re alive rather than leaving a large inheritance. But there are tax implications and gifting rules to be mindful of.

In this episode, co-founder and head of financial advice at Leeuwin Wealth Jason Featherby sits down with The Australian’s Wealth Editor Julie-anne Sprague to explain the tips, tricks and traps to helping your adult children financially.

In today’s show we cover:

Tax implications by gifting property to family members
How to know if you’re financially secure enough to help the kids
Why you should never close out your mortgage
And why it might not be a good idea to be a secondary credit card holder

See omnystudio.com/listener for privacy information.

How to pick a suburb ripe for booming house prices

Tue, 30 Sep 2025 19:00:00 +0000

House prices across most capital cities are expected to rise over the next 12 months. So how do you pick which is the best one to buy an investment property? How can you pick a stand-out market and what are the traps for investors when buying property in rising markets?

Empower Wealth managing director and podcast co-host Ben Kingsley joins The Australian's Wealth Editor, Julie-anne Sprague.

In today's show, we cover:

The government's expanded First Home Buyer Scheme
Is there a potential property bubble forming in parts of the market?
What investors should prioritise when buying a property
How to choose one suburb over another to maximise profits

See omnystudio.com/listener for privacy information.

Is using an SMSF for property a million-dollar mistake?

Thu, 25 Sep 2025 19:00:00 +0000

A generation of investors have used Self Managed Super Funds for property investment, but steadily the numbers have changed in this area with higher rates, higher upfront costs and a growing realisation it is not the deal it used to be.

Financial adviser James O'Reilly from NorthEast Wealth joins Associate Editor - Wealth, James Kirby, in this episode.

In today's show, we cover:

SMSF property - A sub-optimal performer
Survivorship bias - Why SMSF property may lose in the future
Would you be better in a standard super fund?
The limits of compulsory super rules

See omnystudio.com/listener for privacy information.

Melbourne rebound - where are the bargains?

Tue, 23 Sep 2025 19:00:00 +0000

The nation’s second biggest city is climbing out of a decade-long period of severe property price underperformance - so where are the opportunities? Investors are scouring the inner-city, but our guest today takes a different tack - and as someone who runs a portfolio of 15 residential investments across the city…she should know!

Anissa Cavallo of the Eda Property group joins Associate Editor- Wealth James Kirby in this episode.

In today’s show, we cover:

Melbourne bargain town - where the crowds are not hunting
Hospitals and schools - growing wealth in new town clusters
Tax and over-supply - two risks in Victoria’s rebound
Knowing when to call it quits on a dud investment

See omnystudio.com/listener for privacy information.

Private markets - A beginner’s guide

Thu, 18 Sep 2025 19:00:00 +0000

Private credit, private debt...it's boom time out there for unlisted markets but how do you walk the fine line between shooting in the dark and making the best moves? Charlie Viola, is one of the best known advisers in Australia - he's got a method, it's worth hearing.

Charlie Viola of Viola Wealth Partners joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

An insider's guide to private markets
Knowing the risk difference between private credit and equity
The reason banks have left this business wide open
Why stocks fall after dividends get paid

See omnystudio.com/listener for privacy information.

Double tax on paper gains in property - welcome to the new super tax

Tue, 16 Sep 2025 19:00:00 +0000

Inside the Self Managed Super Fund sector, it is professionals - such as auditors - who are on the front line: They will be dealing with valuations which ultimately determine whether or not investors will be hit with the new super tax.

One of the leading voices in the campaign against the new super tax is auditor Naz Randeria, here she lays out the faults of the new super tax regime and reveals how - if you are unlucky enough - you could end up paying unrealised gains tax twice over on a property held inside an SMSF.

Naz Randeria of Reliance Auditing Services joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Valuation bunfights and other realities of the new super tax
Land tax and Division 296 - how two paper gains taxes can be applied to the one property!
Unleashing unrealised gains taxes
Where can I find a 'pension eligibilty calculator?"

See omnystudio.com/listener for privacy information.

My guest today is an AI bot

Thu, 11 Sep 2025 18:00:00 +0000

It's looking very much like 2025 is going to be the year that Artificial Intelligence changes the investment sector beyond recognition. A hot spot of this change is going to be financial advice. So what can AI offer? Today my guest is Microsoft's 'Co-pilot' AI bot (ably assisted by human financial adviser James Gerrard)

In this episode, we cover:

AI for the investment beginner
Testing Ai for advanced investment information
Where Ai gets it wrong
Ai - The IQ is excellent, the EQ not so much!

See omnystudio.com/listener for privacy information.

How 'rentvesting' could work for you

Tue, 09 Sep 2025 19:00:00 +0000

Renting where you live and investing your spare funds to maximise capital growth is steadily becoming a key factor in the residential market - especially for younger buyers. But the key to success in this area is optimising your position as an investor - rather than a homebuyer.

Arjun Paliwal of buyer's agency, InvestorKit joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Perfect Match - How to optimise 'rentvesting'
Borderless buying - Overcoming home bias
The data points to monitor for success
Will the government's universal first home scheme add risk to prices?

See omnystudio.com/listener for privacy information.

Is becoming a Sophisticated Investor in your best interest?

Thu, 04 Sep 2025 19:00:00 +0000

It sounds so good: Sophisticated Investor status is open to all investors who have enough money to get across the line. But did you know a financial adviser is no longer legally bound to act in your 'best interests' if you sign along the dotted line? Three million people now qualify for Sophisticated Investor status but the regime is creaking and it's time for serious overhaul of the rules.

Peter Burgess, CEO of the Self Managed Super Funds Association joins Associate Editor - James Kirby in this episode.

In today's show, we cover:

Sophisticated Investor status- Should you?
Why regulators want to lift the $2.5m threshold
Dumb money - The case for a knowledge test
Where's the legislation? New super tax on hold

See omnystudio.com/listener for privacy information.

How to cut your mortgage costs...now

Tue, 02 Sep 2025 19:00:00 +0000

A remarkable 100,000 Australians refinanced their mortgage to a better rate in the three months to June this year. If you have yet to join the party, the pathway to lower mortgage costs is now clear, here's what to do...

Mortgage broker, Christian Stevens of the Flint group, joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

How to cut your mortgage rate without moving banks
Reducing mortgage rates by switching banks
Long-term interest-only loans for experienced investors
Spare Bedroom tax: You cannot be serious!

See omnystudio.com/listener for privacy information.

BONUS: Roger Montgomery's investment journey: from fish and chips to fund management

Sun, 31 Aug 2025 19:00:00 +0000

Roger Montgomery is the founder of Montgomery Investment Management. While he is into adventure sports, when it comes to investing he's acutely focused on managing risk. From working at a fish and chip shop to managing $1.5bn in funds, he offers his advice on wealth creation for those in their 30s, 40s, 50s, and 60s.

In this bonus episode of The Money Puzzle, Sydney fund manager Roger Montgomery sits down with The Australian's Wealth Editor, Julie-anne Sprague to chat about how he learnt to invest.

See omnystudio.com/listener for privacy information.

Fancy bidding against a super fund for your house?

Tue, 26 Aug 2025 19:00:00 +0000

The Federal government is pushing big super funds into the housing market: That market is currently dominated by 'mum and dad' investors - Would big funds do better? Overseas experience of major institutional ownership of housing shows that rents rise when big funds buy into housing because they need a higher running yield. In turn, traditional buyers get priced out.

Nerida Conisbee, chief economist at Ray White joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

The risk of letting big funds into housing
Universal 5 per cent Home Deposit to launch early
Investors monitor accelerated housing incentives
Good news for renovators - the replacement cost is back to normal

See omnystudio.com/listener for privacy information.

Will the economic summit trigger wealth tax changes?

Thu, 21 Aug 2025 17:00:00 +0000

This week's economic summit coincided with a surprise move by the Albanese government to lift the deeming rate for the first time in four years: The measure reduces access to the pension for wealthier Australians. Moreover, it's exactly the sort of change that advisers have warned are set to come down the line as Treasurer Jim Chalmers exerts his influence in the second term government.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth James Kirby in this episode.

In today's episode we cover

Deeming rate lift -The first move?
Super tax confirmed unchanged
CGT and negative gearing - Key risks
Save the super performance tests

See omnystudio.com/listener for privacy information.

The return of the 'you can rent anything market'

Tue, 19 Aug 2025 18:00:00 +0000

Immigration numbers were meant to float lower this year but a surprise pick up in numbers over the last few months coincides with a tightening of the rental vacancy rates across the market. For renters it means any short-term easing in pressure is now off the table, but for property investors it signals a return to rising rental income.

Pete Wargent of the AllenWargent Property Buyers joins Associate Editor - Wealth, James Kirby in this episode.

In today's episode, we cover

The 'you can rent anything market' returns
Investors respond to stronger outlook for rental returns
The gap between residential and office vacancy rates tells a WFH story
Should older property investors change their habits?

See omnystudio.com/listener for privacy information.

Warning on 'Free Super Reviews'

Thu, 14 Aug 2025 18:00:00 +0000

The new super tax may dominate the headlines, but for most investors with less than $3m in super, a bigger headache is navigating increasingly risky marketing promotions in finance.Off the back of the recent First Guardian scandal - where some investors were offered 'free super reviews' - today we take a hard look at booming business of luring people into switching super funds.

Liam Shorte of the Sonas Wealth Group joins Associate Editor - Wealth James Kirby in today's episode.

In today's episode, we cover:

New super tax facing delays
‘Free Super Reviews’ could turn out expensive
An easy way to check if your fund is doing well
Optimising tax-free income outside super

See omnystudio.com/listener for privacy information.

Is your home the worst investment you’ll ever make?

Tue, 12 Aug 2025 18:00:00 +0000

It’s a provocative notion, challenging die-hard principles of money management, but with house prices moving higher again...you have to listen.

Financial adviser Jack Tossol of Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode.

In today’s show, we cover

No tax deduction, no income…Is home ownership overrated?
Why ‘Rentvesting’ is worth revisiting
Are you facing decades of ‘dead money' in your home mortgage?
Challenging the ‘retirement sweet spot’

See omnystudio.com/listener for privacy information.

BONUS: Investing Secrets from $1.5bn Fund Manager Jun Bei Liu

Sun, 10 Aug 2025 19:00:00 +0000

In this bonus episode of The Money Puzzle, The Australian’s Wealth Editor, Julie-anne Sprague, unpacks what it takes to be a great investor with one of the nation's top stockpickers, Jun Bei Liu. How did Liu learn to invest? What did she learn when things went wrong and what's her advice for everyday investors wanting to build their wealth?

Jun Bei Liu of Ten Cap joins Wealth Editor Julie-anne Sprague in this bonus episode.

See omnystudio.com/listener for privacy information.

The retirement 'sweet spot' is under threat

Thu, 07 Aug 2025 19:00:00 +0000

Inside the advice sector, they call it ‘the sweet spot’: The perfect amount of money to have in super that also guarantees you access to a government pension. With the majority of Australians accessing full or part-time pensions, it’s a big game and the rules have been clear for a long time.

But those ‘pension access’ rules may soon be overhauled as the government launches a major tax review this month at the so-called ‘productivity summit.

Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth James Kirby in this episode.

In today's show, we cover...

The retirement sweet spot for optimising pension access
The retirement black spot - just missing out on a pension
Why the pension asset test may soon be tightened
Dividend Reinvestment Plans - Not for everyone

See omnystudio.com/listener for privacy information.

Melbourne property rebound… it’s happening

Tue, 05 Aug 2025 19:00:00 +0000

Property investors have watched the Melbourne market sink for a decade. But the tide is turning, early investors are being rewarded as the latest numbers for Victoria show green shoots in the nation’s second biggest city.

Stuart Wemyss of the ProSolution Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Green shoots for Melbourne as city prices lift
A long way to go, how Victoria did nothing for a decade
Property tax - Victoria no worse than interstate rivals
The townhouse opportunity in our major cities

See omnystudio.com/listener for privacy information.

Special edition: How The Australian’s Wealth team invests

Wed, 30 Jul 2025 19:00:00 +0000

In today's special edition to mark the online launch of The Australian's 'Wealth Vertical', wealth editor Julie-anne Sprague joins James Kirby to talk about how an experienced financial journalist sets about investing.

Wealth editor Julie-anne Sprague joins Associate Editor-Wealth in this episode.

In today's show, we cover:

Do the very rich tell us anything useful?
Financial advice: Getting it is one thing, using it is another
Taking risks when you know how often things go wrong
The way to start your wealth journey.

See omnystudio.com/listener for privacy information.

Public school zones are property goldmines...true or false?

Tue, 29 Jul 2025 06:54:36 +0000

So the story goes, you buy inside the 'zone' of a top public school and your property purchase can only be a winner. Well actually... the numbers don't really say that: In fact, as an investor you may do better somewhere else!

Eliza Owen, head of research at Cotality Australia, joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Are public school zones hot property or not?
School fees versus property price premiums
Underquoting is back with a vengeance
Downsizing into apartments

See omnystudio.com/listener for privacy information.

Buying shares when you should be selling?

Thu, 24 Jul 2025 05:51:42 +0000

The markets are overheating : Records are being made on the ASX while profits are actually falling. As we inch towards the most dangerous time of the year for the share market, you should be rebalancing your investment portfolio.

Adviser and family office chair, Dr Doug Turek joins Associate Editor - Wealth, James Kirby, in this episode.

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In today's show, we cover:

Rebalancing time - whether you like it or not
The alternatives to shares...especially gold
A very obvious way to avoid the new super tax
Could the AI boom throw up a new Enron?

See omnystudio.com/listener for privacy information.

Why house price forecasts are lifting even without a rate cut

Tue, 22 Jul 2025 07:39:29 +0000

2025 started slowly for house prices - and the absence of a second rate cut mid -year might have cooled sentiment - but economists are now upgrading their forecasts as prices move significantly higher.Bank of Queensland is now calling a 6 per cent price increase for houses across the nation this year and next year.

Peter Monckton, chief economist at Bank of Queensland joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:Property prices get upgraded...but it's only for houses
Will apartments catch up this time?
The cities set to rebound
Why is negative gearing on shares shunned?

See omnystudio.com/listener for privacy information.

Mushroom murders: Inheritance lessons

Fri, 18 Jul 2025 04:24:02 +0000

The extensive wealth of triple murderer Erin Patterson is almost certain to now be the subject of claims from the estates of her victims: The extraordinary story highlights some key changes in the world of wills and inheritance.

In today's show, we cover:

Rich from inheritance, Erin Patterson now set to face money claims
The rapidly changing rules for wills and inheritance
Why Wills left on iphones will become more common
What you need to know about inheriting super

Lawyer and financial adviser Chris Hill of Inherit Australia joins Associate Editor Wealth, James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Buying off the plan property - should you ever?

Tue, 15 Jul 2025 06:07:42 +0000

If buying off the plan property is so long associated with later problems, why do investors ever do it?
Today we take a look at the value proposal offered by off the plan property with its discounts, tax breaks and guarantees...

In today's show, we cover...

The best and worst of off the plan investments
Who is offering the guarantee?
Buying through Self-Managed Super funds
A listener wants to construct their own index fund.

James Gerrard of www.financialadviser.com.au joins Associate Editor - Wealth, James Kirby in this episode

See omnystudio.com/listener for privacy information.

Two things you must do as the $US drops

Thu, 10 Jul 2025 09:04:01 +0000

Is it the end of the US markets as we once knew them? No way! But the US dollar is fading and that creates a major shift in global investment markets.For Australian investors it's time to hedge and it's also time to look at two key investments you may not have considered until now.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

Gold...the outlook from here
Emerging Markets present an opportunity
Are European shares really going to pay at last?
Is there an inheritance tax on super or not?

See omnystudio.com/listener for privacy information.

Here comes the property rebound

Tue, 08 Jul 2025 04:22:35 +0000

Rates are falling, demand is strong and rental vacancy levels remain at rock bottom: No wonder auction clearance rates across Australia are returning to normal. What happens next? It's looking like we are at the start of a rebound.

Louis Christopher, managing director of the SQM Research Group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

Why property experts believe a recovery in the property market is underway
Will Melbourne come to the party?
Brisbane's Olympic run-up
New super tax casts a cloud on SMSF property investment

See omnystudio.com/listener for privacy information.

Too good to be true? A closer look at the 10% return on the ASX

Thu, 03 Jul 2025 06:30:55 +0000

Is it really this easy? You buy a share market index fund and it goes up by 10 per cent every year.....Hmm...Well, actually, the ASX 200 index is comprised of 50 per cent banks and miners: When they rise together, an index fund will fly high. But if the going gets tough, your share portfolio will not be as diversified as you may think. What's more, major problems are forming in the market where enormous amounts of money are pouring into stocks often because ETF algorithms are blindly following market momentum...how will it end?

Adviser Jack Tossol from the Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode.

In today's show, we cover...

The hidden dangers of index funds
Polluting the pond - New wave ETFs reintroduce risk
Ethically oblivious passive investing
Sophisticated investor rules should be scrapped

See omnystudio.com/listener for privacy information.

New financial year - Get ready to reset your portfolio

Tue, 01 Jul 2025 02:00:00 +0000

It's the first week of the new financial year: Time to reset your portfolio for the year ahead. Hot share markets, patchy property prices and new rules for super: You need to get up to speed but more than that, you need to stick with your investment principles.

Author Noel Whittaker joins Associate Editor - Wealth, James Kirby in this episode

In today's show, we cover:

Property - Challenging the positive outlook
After double-digit returns for shares, prepare for the Black Swan
Yes, Super rules are changing, but be careful, don't overreact!
Crypto - This sceptic remains...ahem, very sceptical

See omnystudio.com/listener for privacy information.

Why AMP bought crypto (with Shane Oliver)

Thu, 26 Jun 2025 07:36:42 +0000

Our recent show on crypto, which was openly sceptical about Bitcoin, triggered a storm of response from listeners who believe Bitcoin is a very worthy asset.
Today, we hear another point of view: AMP recently invested $27m in Bitcoin and that decision has returned around 40 per cent in profits.

In today's show, we cover...

The bull case for Bitcoin from a mainstream investor
Must you understand something to invest in it?
The widening 'use case' for crypto
FY 2025 investment wrap - too good to be true?

Shane Oliver, chief economist at AMP joins Associate Editor- Wealth, James Kirby in this episode

See omnystudio.com/listener for privacy information.

A surprise pocket of property opportunity

Tue, 24 Jun 2025 08:25:12 +0000

The residential property market is about to be split into very clear segments thanks to a wave of generous home loan incentives. For investors, there is a clear opportunity here: Competition will be slim and values will improve in the market categories just above the incentive thresholds. In fact, the government has usefully provided a guide to how and where the opportunities will arise.

Cameron Kusher of Kusher Consulting joins Associate Editor, Wealth James Kirby.

In today's episode, we cover:

* The new opportunity for investors in a distorted market
* Queensland takes the prize for loan incentives with a 2% deposit scheme
* The bad news for those waiting for the apartment gap to narrow
* Capital Gains and Land tax tipped as new tax targets

See omnystudio.com/listener for privacy information.

A billion reasons to reconsider crypto

Thu, 19 Jun 2025 08:08:44 +0000

One in three Australian investors now have crypto, and that includes an estimated $1 billion inside the SMSF sector alone.Bitcoin is up more than 40 per cent over the last year...it's time to reconsider 'digital gold'.

Author and family office director Jacqui Clarke joins Associate Editor-Wealth, James Kirby in this episode.

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In today''s show, we cover

Why has crypto jumped again?
The big end of town gets involved
How it still fails the 'intrinsic value' test
Beyond betting...the post-Trump scenario

See omnystudio.com/listener for privacy information.

The Secret to Buying Your House

Tue, 17 Jun 2025 07:33:29 +0000

Buyer's advocates spend their entire time professionally working on the business of buying residential property: As our guest today suggests: "It's both a science and an art."

In fact, the secret is that you can make compromises to get what you want.
But those compromises can be quite different for the home buyer compared to the residential investor.

Jarrod McCabe of Wakelin Property Advisory joins Associate Editor - Wealth, James Kirby in this episode.

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In today's episode, we cover:

The compromises you can make in buying property
The mistakes to avoid in having a property managed for you
Making the big jump to owning more than one property
How does the First Home Buyer Guarantee scheme work?

See omnystudio.com/listener for privacy information.

The number 1 secret to selling your house

Wed, 11 Jun 2025 19:00:00 +0000

McGrath’s Tony O’Doherty is one OF Australia’s top real estate agents: He has sold more than $270m worth of residential property over the last year…and he’s got some very useful information to impart, one secret in particular will fascinate you.

Tony O’Doherty of the McGrath property group in Bulimba joins Associate Editor -Wealth, James Kirby in this edition.

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In today’s show, we cover:

* The biggest risk facing today’s property investors

* Hottest areas for long-term property investment

* Queensland - Why it’s so popular right now

* Oh yes, the secret..well, you’ll just have to listen…

See omnystudio.com/listener for privacy information.

Trumped or stumped…your sharemarket dilemma

Tue, 10 Jun 2025 04:05:23 +0000

The second term of Donald Trump has been marked by a roller coaster global sharemarket: Even the biggest players among Australian industry funds are openly debating whether it's worth sticking with Wall Street. But you have to make a decision...

Nick Griffin, chief investment officer at Munro Partners joins Associate Editor Wealth, James Kirby in this episode.

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In today's show, we cover:

* It's the earnings, stupid! - Trump or no Trump

* Why global software giants will keep winning

* The case against banks, airlines and consumer fashion stocks

* AI -It's the real deal for long-term investors

See omnystudio.com/listener for privacy information.

Electric incentives...the sequel

Thu, 05 Jun 2025 04:31:28 +0000

Our show on the incentives available (federal and state) on turning your home into a clean energy powerhouse brought in a flood of questions.Today we return to the issue with top questions from listeners.

Financial adviser James Gerrard of www.financialadviser.com.au joins Associate Editor - Wealth, James Kirby in this episode.

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In this episode, we cover...

The best way to go solar at home
Do second hand electric cars have any value
The future of battery power at home
The latest on the new super tax

See omnystudio.com/listener for privacy information.

Millionaire holiday home swap: The inside track

Tue, 03 Jun 2025 05:15:37 +0000

One of the most original ideas in property investment is the ThirdHome group, a global exchange club for holiday home properties that opens up what in many cases is an under-utilised asset to the wider world: Just quietly, the group has signed up more than 500 Australian luxury holiday homes - it's a fascinating story.

Wade Shealy, founder and CEO of the ThirdHome group, joins Associate Editor Wealth James Kirby in this episode.

In today's show, we cover...

* The upmarket holiday home swap

* The rules of luxury property

* Wade Shealy on how he built a global property enterprise

* New directions for the luxury holiday home market

See omnystudio.com/listener for privacy information.

Plundering the ASX: Is private equity a problem?

Thu, 29 May 2025 07:48:49 +0000

Everyday shareholders have always been at the back of the queue when it comes to takeovers, but this year global private equity players have clearly emerged as the 'Barbarians at the gate'.
Healthscope, once a $5 billion stock is now in receivership along with its chain of 37 hospitals after a private equity deal went very wrong...what's next?

Eric Johnston, Associate Editor- Business, joins James Kirby in this episode.

In today's show, we cover...

How do we navigate around private equity plunder?
Can social infrastructure such as hospitals ever make useful listed investments?
Have we been unfair to Bitcoin?
How productivity makes a difference to your share portfolio

See omnystudio.com/listener for privacy information.

Top end tips : Upmarket property unmasked

Tue, 27 May 2025 06:15:08 +0000

pmarket property is, well, in a league of its own: Shane Smollen is a specialist in the area…and the creator of some of the most impressive heritage-focussed developments in the country.

In today’s episode, we cover…

* Quality first - Setting your property ambitions higher
* Expect the unexpected - surviving whatever gets in your way
* The distinct business of luxury property
* Can I live in my SMSF-owned property ?

Shane Smollen of the Central Element group joins Associate Editor - Wealth, James Kirby in this episode

See omnystudio.com/listener for privacy information.

Special Edition: Your questions answered on new super tax

Thu, 22 May 2025 07:16:32 +0000

Investors at all levels are up in arms over the new super tax largely because it is based on 'paper gains' and it will not be indexed for inflation.

Don't miss this special edition...

In today's show, we cover...
* The essential problems with the new super tax

Why it will affect you faster than you may realise
Alternative options to keeping money in super
What is likely to happen next with so-called 'Division 296'?

Hugh Robertson of the Centaur Financial Services group joins Associate Editor- Wealth James Kirby in this episode

See omnystudio.com/listener for privacy information.

Is property inside super doomed?

Tue, 20 May 2025 05:12:42 +0000

Holding residential property inside your super fund has always been demanding - but also lucrative.

Higher rates, higher deposits, and a shortage of lenders have always restricted this activity to the most determined investors: Now, the new super tax adds another layer of challenges for property investors.

Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover

* Property investment inside super...all too hard?
* The threat to borrowing inside super from the Greens
* How to negotiate a lower mortgage rate with your bank
* Should sharemarket listed property funds be classified as shares or property?

See omnystudio.com/listener for privacy information.

Gold: Can it keep going up?

Thu, 15 May 2025 06:45:40 +0000

The hottest investment of the year has been one of the oldest known investments... Gold!

It's increased at ten times the pace of the wider ASX 200 over the year to date... and that's after years of 20 per cent plus returns.Is it for you..and how might a new investor get started?

In today's episode, we cover:

Why has the gold price raced higher?
The ETF versus bullion debate
Can gold keep going up if Trump settles down?
A clarification on concessional (pre tax) super contributions

Jordan Elesio, general manager of ABC Bullion joins Associate Editor - Wealth, James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Electric incentives! : How you can optimise the financial incentives for clean energy from the new government

Tue, 13 May 2025 06:28:32 +0000

The re-elected Albanese government is offering to effectively cut the price of home batteries for solar by half. That's on top of the generous tax incentives it has already rolled out for electric cars: It's time to cash in on the greening of Australia.

In today's show we cover

The new federal incentive to cut home battery costs in half
How to have a fully tax deductible electric car
Renting your home and Capital Gains tax
Is the deeming rate now 'deemed' untouchable?

James Gerrard of www.financialadviser.com.au joins Associate Editor- Wealth, James Kirby in this episode

See omnystudio.com/listener for privacy information.

New government : Investment risks and opportunities

Thu, 08 May 2025 05:00:34 +0000

The ALP is back with a renewed mandate for government - what does it mean for your portfolio, or your SMSF or your investment property?

In the space of the last few days we have got a much clearer picture of what the election result will imply for the active investor.. today we take you through what you must know.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor- Wealth James Kirby in this episode we cover...
* The risk of new tax changes
* The latest on the super 'paper gains' tax
* A clear threat to borrowing in SMSFs
* Getting to know the new power of 'The Greens'

See omnystudio.com/listener for privacy information.

Why 'rentvesting' doesn't work (for most people most of the time)

Tue, 06 May 2025 06:00:00 +0000

It seems like a good idea - rent your home and buy an investment property where you can deduct the mortgage payments against your annual income tax. In fact, it all works...to a point: But this increasingly popular investment strategy does not mean you get to buy your own home...worse still, it may mean the bank won't lend you any more funds.

Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor-Wealth, James Kirby in this week's episode as we cover...

* The problem with 'rentvesting'
* A predictable pick up in house prices
* The new government's menu for first-home buyers
* How HECs changes will also boost the housing market

See omnystudio.com/listener for privacy information.

Super tax battle starts now (with Geoff Wilson)

Thu, 01 May 2025 06:00:08 +0000

Fund manager Geoff Wilson is at it again...campaigning for investors against poorly designed tax changes...and this time he has a major fight on his hands. Taxing unrealised gains (or paper gains) in super is a shocker, but it's a key policy for the government...and the government is set to be returned after the election.

Geoff Wilson of Wilson Asset Management joins James Kirby, Associate Editor-Wealth in this episode

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In today's show, we cover...
* The problem with the new super tax...and how it could be fixed
* Why Australian interest rates may fall a lot further than the market expects
* The case for sticking with US shares
* Defensive stocks for the months ahead

See omnystudio.com/listener for privacy information.

Tax - Are you being abused?

Tue, 29 Apr 2025 04:00:00 +0000

When it comes to tax affairs, it's never easy: Many investors believe they do not get a fair deal: But some people clearly suffer financial abuse (which often begins with how a partner has behaved in the past). Sometimes too, the issues don't fit neatly for a financial adviser or a financial counsellor: That’s where the Tax Clinic, an experiment at UNSW, fills the gap.

Ann Kayis-Kumar of the Tax Clinic at UNSW joins Associate Editor - Wealth, James Kirby in this episode.

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In today's episode, we cover

How to spot financial abuse
Planned legal changes that could make a difference
The short straw of being a secondary credit card holder
Tax pitfalls and financial literacy

See omnystudio.com/listener for privacy information.

Divorce…your financial guide

Thu, 24 Apr 2025 07:15:59 +0000

You can spend half a lifetime working and investing only to hit a financial earthquake with a divorce. But there are ways to ensure the best possible outcome.

Financial adviser Nathan Fradley joins James Kirby, Associate Editor - Wealth in this episode.

In today's episode, we cover:

What you must know about divorce and money
The issue of 'valuations'
How crypto accounts are increasingly relevant to settlements
How a couple can find the best way to split

See omnystudio.com/listener for privacy information.

How to build a cash buffer...fast

Tue, 22 Apr 2025 04:36:47 +0000

The markets are wild and cash rates are dropping quickly at the major banks: Investors of every type need cash. Here's a guide for the investor who wants to be ready for the next opportunity.

Liam Shorte of the Sonas Group joins Associate Editor- Wealth James Kirby in this episode.

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In today's episode, we cover:

Finding the best cash rates
Optimising offset accounts
Reviewing Dividend Reinvestment Plans
Sorting your super inheritance (and that does not mean your Will)

See omnystudio.com/listener for privacy information.

Why cash is king (with Chris Cuffe)

Thu, 17 Apr 2025 05:06:41 +0000

The bargain hunters are in the market but many big funds and family offices are concentrating more on building cash: That’s because investment markets are more than 'uncertain' just now - in reality they are unfathomable.
Today's guest spot goes to one of the best-known investors (and philanthropists) in Australia, Chris Cuffe.

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In today's episode, we cover:

* Asset allocation in an age of extreme uncertainty
* What investors at the big end of town are doing now
* Philanthropy for the active investor
* Tax optimisation in charitable giving

See omnystudio.com/listener for privacy information.

Why property prices are ready to push higher

Tue, 15 Apr 2025 07:52:24 +0000

Falling interest rates, a wild share market and an election campaign where both parties are falling over each other to throw money at first-home buyers...it's the perfect conditions for a lift in residential prices throughout 2025.

Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor- Wealth, James Kirby in this episode.

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In today's show, we cover

Green light for price growth in the residential market
An investor's guide to the election promises made to home buyers
Why apartments may do better than stand-alone homes
Keeping up with the ATO clampdown on property investors

See omnystudio.com/listener for privacy information.

Tariffs or no tariffs: Don't give up on Wall Street

Thu, 10 Apr 2025 04:31:17 +0000

Yes, the current market crisis has been 'caused' by the US: You could say the same for the dot.com crash and the GFC. But is that an argument for stepping away from the country which represents more than 60 per cent of the global share market - and hosts the world's most important bond market?

Dr Sam Wylie of the Windlestone Education group joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

Buying the dip
Why retreating to the ASX will cost you in the long run
How gold paid off in the market rout
The winning ways of unhedged funds

See omnystudio.com/listener for privacy information.

Behind the sharemarket fall... your next move

Tue, 08 Apr 2025 05:51:50 +0000

The share markets have dropped hard following a severe bout of selling by institutional investors, but share-broker data suggests that everyday investors are bargain hunting.
What's really going on?

Gemma Dale, head of investor behaviour at NABtrade joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

* What bargain hunters are buying
* Gold drops from the favoured list
* In a Covid-style replay, ETFs underpins the action
* Getting rid of unwanted shares

See omnystudio.com/listener for privacy information.

Time to consider an SMSF?

Thu, 03 Apr 2025 02:32:27 +0000

Trump's upending of world trade happens to coincide with challenging times for Big Super: The major funds face weak share markets while battling a range of administrative failures that have put Australian Super and CBUS in the headlines for all the wrong reasons.It might be time to take control.

Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

Tariff turmoil triggers a second look at Self Managed Super Funds
The Banks are offering 7 per cent yields again
The minimum you need for an SMSF
Learning about education bonds

See omnystudio.com/listener for privacy information.

Happy Liberation Day - Trump's turning point

Tue, 01 Apr 2025 02:39:43 +0000

Donald Trump's unleashing of his tariff program through the Liberation Day plan has the share market reeling - and the US market is reeling the most with the weakest numbers so far this year. As Trump's old colleague, Steve Bannon, calls for Liberation Day to be made a public holiday in the US, it's time to take a serious look at Trump and your investments.

Cameron Stewart, Chief International Correspondent of The Australian joins Associate Editor Wealth, James Kirby in this episode.

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In today's show episode, we cover:

Liberation Day - A milestone or a millstone?
How long will Musk last at the top table with Trump?
The role of crypto in Trump's plans* In defence of Defined Benefit Super schemes

See omnystudio.com/listener for privacy information.

Sharing home ownership with the government: What could possibly go wrong?

Thu, 27 Mar 2025 03:03:31 +0000

The 2025 Budget managed to squeeze in a few pre-election surprises. A teeny tax cut, a decision to 'do nothing' on pension access (with unchanged deeming rates) and a genuine move to upgrade the government's signature Shared Home Ownership program.
The so-called Help To Buy scheme will be very popular, but what are the risks?

In this episode, Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth, James Kirby.

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In today's show, we cover

* The biggest thing for First Home Buyers in years- Help To Buy
* Why bracket creep undermines all tax cuts
* Is the $3m super tax dead or alive?
* Should long-term investors be influenced by today's dividend yields?

See omnystudio.com/listener for privacy information.

Property versus shares: we have a winner

Tue, 25 Mar 2025 03:00:00 +0000

The tug of war between property and shares never ends: But for many investors, one area is more attractive. My guest in this episode has spent a lifetime investing - along with commenting on investment markets - and has come to a clear conclusion.You may not agree, but you should definitely hear him out.

Anthony Keane, personal finance writer for News Corporation joins James Kirby in this episode.

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In today's show, we cover

Trouble-free' share market investing versus 'bricks and mortar'
Why property investing should be kept outside of super
Holding costs - the swing factor for the everyday investor
Should Adelaide really be more expensive than Melbourne?

See omnystudio.com/listener for privacy information.

The Rich 250 list special : The inside track

Thu, 20 Mar 2025 04:21:39 +0000

It now takes more than $600m to even feature on the Australian’s Rich 250: But what does it take to build a fortune of that size in 2025? Today we get an inside view on the people behind Australia’s greatest fortunes.

John Stensholt, Rich 250 editor joins James Kirby Associate Editor - Wealth in this week’s episode

In this episode, we cover

Rich 250 - The Chemist Warehouse family arrives
Rich 250 - Offshore gambling empires: A new way to make money
Billionaires might be impressive, but are they happy?
Should you listen to ‘wealth coaches’?

See omnystudio.com/listener for privacy information.

The money puzzle wants to HEAR you

Tue, 18 Mar 2025 03:10:40 +0000

One of the most popular features of the Money Puzzle podcast has been listener questions which we read on air: Now we want to hear you asking your questions! We're asking listeners to send in a voice memo from their phone and share it on the show to themoneypuzzle@theaustralian.com.au.

Also in today's show, we cover the problem with quirky properties. Buyer's advocate Cate Bakos warns lovers of converted churches and renovated show factories that standing out from the crowd is not always profitable. Bakos explains what makes a property valuable : It appeals to the widest possible audience.

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In today's show, we cover:

Irregular properties - quirky can be costly
Closed tenders - Good or bad?
Tricky tax arrangements around 'granny flats'
Why lending rates will keep falling

See omnystudio.com/listener for privacy information.

Sharemarket sell off : What to do?

Thu, 13 Mar 2025 04:51:24 +0000

It had to happen: Tariffs, recession indicators and an overpriced Wall Street: The sharemarket has taken a tumble. As luck would have it, the Money Puzzle has a top value investor on the show this week and he names three top stocks that can survive just about anything!

Roger Montgomery of Montgomery Investment Management joins James Kirby in this episode.

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In today's show, we cover...

The sharemarket sell off - why did it happen?
Ai and Tech face a new reality
Three stocks with a value 'moat'
The conditions we need for a positive year on the ASX

See omnystudio.com/listener for privacy information.

The March 25 budget, standby for surprises

Tue, 11 Mar 2025 03:30:00 +0000

Finally, after much flipping and flopping the government has decided to go ahead with a pre-election budget on March 25: What will it mean for your investment plans?

James Gerrard of financialadviser.com.au joins James Kirby in this episode.

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In today's show, we cover:

What's the Coalition deal on tapping super to buy a home?
How the ALP plans to offer a 20% discount on student debt
Could financial advice be made fully tax deductible?
The reality of taking out a reverse mortgage
Why advisers are sceptical about annuities

See omnystudio.com/listener for privacy information.

Rocky share market signals it's time to take out the trash

Thu, 06 Mar 2025 03:30:00 +0000

The US sharemarket has lost all of the gains it racked up since the Trump election and the spectre of a tariff war is casting gloom across global trade. What to do? First of all, give up on those stocks you were hoping would 'turn' and then do a full 'clean out' of your share portfolio.

Rudi Filapek-Vandyck of FNArena joins James Kirby in this episode

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In today's show, we cover:

Why is confidence seeping out of the US sharemarket
Can the ASX hold up if the dividend yield is fading?
The reason why CBA is the best bank stock
Goodman asks for more retail money - should you come to the party?

See omnystudio.com/listener for privacy information.

Top-end property rebounds best after rate cut

Tue, 04 Mar 2025 03:32:00 +0000

The upper end of the market - defined by properties which rank in the 25 per cent of most expensive sales - is the layer that is moving up after the rate cut. And that means the post-rate cut bounce is concentrated in the two largest cities of Sydney and Melbourne. In fact, Melbourne might finally be turning a corner.

Property analyst Eliza Owen of Corelogic joins James Kirby in this episode.

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In today's show, we cover...

What investors must know about property trends after the rate cut
Melbourne manages a one-month rebound..is there more to come?
The window for first-time home buyers may be closing
Queensland towns notch up remarkable price activity - take a look at Townsville!

See omnystudio.com/listener for privacy information.

Key person risk: Musk, White & co…are they worth it?

Thu, 27 Feb 2025 03:30:00 +0000

The superstar CEO is a complex package: You might love what they can do with the share price, but you might equally feel unsure about their behaviour day-to-day. What to do?

Author and family office adviser, Jacqui Clarke, joins wealth editor James Kirby in this episode.

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On today’s show, we cover:

Passive investing …it’s not what it used to be
Wealthy investors are getting cautious about the sharemarket
How top investors deal with key person risk
Big super funds under pressure on private investments

See omnystudio.com/listener for privacy information.

Why Queensland units are the future

Tue, 25 Feb 2025 02:30:00 +0000

For many property investors stand-alone homes will always win: Similarly, there is an investor bias towards the metropolitan centres of Sydney and Melbourne.
But Hotspotting expert, Terry Ryder, sees the market differently: He offers a fresh view on the prospects for investors in the year ahead and may challenge some cherished assumptions.

Terry Ryder, director of the Hotspotting group, joins wealth editor James Kirby in this episode.

In today's show, we cover:

The powerful forces pushing Queensland higher
How units are outperforming stand-alone homes nationwide
Signs of a slowdown in the Perth Market
Defending 'property pre-nups.'

See omnystudio.com/listener for privacy information.

Rate cut tipping point for investors

Thu, 20 Feb 2025 03:28:43 +0000

Every investor needs to digest the changed direction of rates after the first cut in four years from the RBA: The headlines are all about mortgage cost reductions but for many investors the big question is - What to do now that risk-free investing is a fading feature of the market?

James Gerrard of financialadviser.com.au joins wealth editor James Kirby in this episode.

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In today's show, we cover

The alternatives to cash deposits
Perfect timing for A-REITs and private credit?
The true cost of franked dividends
Is super biased against younger Australians?

See omnystudio.com/listener for privacy information.

Property investing and SMSFs - The facts

Tue, 18 Feb 2025 03:30:00 +0000

For some investors a Self Managed Super Fund is their only entry point to the property market: But does it make sense?

Stuart Wemyss of ProSolution Private Clients joins wealth editor James Kirby in this episode.

In today's show, we cover

The pros and cons of holding property in a SMSF
The compromise: Co-investing with your own fund
Property 'pre-nups' - the Bank of Mum and Dad loan agreements
Splitting loans to optimise property returns

See omnystudio.com/listener for privacy information.

Dangers of the Trump trade

Thu, 13 Feb 2025 03:30:00 +0000

Australian investors have never put so much money into the US market: That's largely because Wall Street stocks have been twice as profitable as ASX investments for years.The question now is how long can it last? In short, it can continue...but the composition of those share returns may change.

Doug Turek of Minchin Moore Private Wealth joins wealth editor James Kirby in this episode.

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In today's show, we cover

How to play the next phase of the Trump trade
Defending investment in private markets
Gold - the forever buffer ?
How to replace your bank hybrids

See omnystudio.com/listener for privacy information.

How to get the best deal on rates

Tue, 11 Feb 2025 03:30:00 +0000

Rates are set to drop throughout 2025: But who knows if the RBA will get to cut much?And if they do, who knows if the banks will put the cuts through? They certainly dragged their tail during the last cycle. The key for investors is knowing how to get the best deal on rates in any part of the cycle.

Sally Tindall of the Canstar group joins wealth editor James Kirby in this episode.

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In today's show, we cover:

Finding the best saving and lending rates in the market
The best way to cut your mortgage cost- call the bank!
Assessing CGT on property subdivisions
What's Division 293 tax..and when do I have to pay it?

See omnystudio.com/listener for privacy information.

What might the 2025 Federal Budget bring?

Thu, 06 Feb 2025 03:36:11 +0000

Standby for a 'giveaway' pre-election Federal Budget on March 25. If history is any guide there is little for investors to worry about this time around: In fact, the main challenge might be keeping up with the areas of the economy which receive the most largesse from Treasurer Jim Chalmers.

Financial adviser Will Hamilton joins wealth editor James Kirby in this episode.

In today's show, we cover:

An early call on the forthcoming Federal Budget
Private credit - Don't say you weren't warned
The rebound in property trusts
La Dolce Vita and the Australian pension system!

See omnystudio.com/listener for privacy information.

Real estate cybercrime - What you need to know (with Kitty Parker)

Tue, 04 Feb 2025 03:30:00 +0000

Real estate transactions typically involve people who are not used to sending large amounts of money through the banking system; It's the perfect setting for internet fraud.
Real estate agents and conveyance lawyers are now struggling to get their daily work done as cybercrime accelerates...what to do?

Buyer's advocate Kitty Parker joins wealth editor James Kirby in this episode.

In today's show, we cover:

Protecting your money from real estate cybercrime
New anti-fraud technology for helping property investors
Do you need a property manager?
The real estate costs that you never saw coming

See omnystudio.com/listener for privacy information.

Bank of Mum and Dad: we've got the numbers (with Richard Schellbach)

Thu, 30 Jan 2025 03:30:00 +0000

It's a defining feature of our economy: One in two Australians is involved in the Bank of Mum and Dad, and until now nobody had any hard numbers on the very big business of handing money to adult kids. Global investment bank UBS has finally got a measure on the 'elephant in the room' and it's time we talked to them.

Richard Schellbach, equities strategist at UBS joins wealth editor James Kirby in this episode.

In today's show, we cover:

How the Bank of Mum and Dad really works
The Deepseek sell-off and what it means for tech stocks
Trump's tariffs: Should we worry?
Aus stock sectors set to outperform in the US

See omnystudio.com/listener for privacy information.

Why it's so hard to get property advice (with James Gerrard)

Tue, 28 Jan 2025 04:33:18 +0000

They call it an 'information gap': Property professionals know property but can't be expected to offer independent advice. Meanwhile, independent financial advisors rarely know much about property. What's the best way forward for the everyday investor?

Financial adviser James Gerrard joins wealth editor James Kirby in this episode.

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In today's show, we cover

How to find financial advice on property
Why most advisers are not much help
The most common mistakes of property investors
Using super for residential property

See omnystudio.com/listener for privacy information.

What financial risks to avoid in the year ahead (with Liam Shorte)

Thu, 23 Jan 2025 03:30:00 +0000

Interest rates are set to fall in 2025 - and we may have to say goodbye to the days of 5 per cent returns for zero risk. Of course, there is no lack of opportunists standing in the wings with ideas for your money: The problem is that most of these 'opportunities' will come with a lot more risk than a bank deposit. What to do?

Liam Shorte of the Sonas Wealth group joins wealth editor James Kirby in this episode.

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In today's show, we cover

Preparing for lower fixed-interest returns
The risk of alternatives...especially private credit funds
Taking profits on Commonwealth Bank stock
How much time should you spend on your investments

See omnystudio.com/listener for privacy information.

Fires, floods and property values (with Nerida Conisbee)

Tue, 21 Jan 2025 03:30:00 +0000

After the Los Angeles fires, it would be reasonable to assume that property values take a serious hit in the wake of a natural disaster. But this is not the evidence in the Australian market, a study from UNSW shows properties hit by fire and flood fully recover their values in line with the broader market.

Nerida Conisbee, chief economist at Ray White group joins wealth editor James KIrby in this episode.

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In today's show, we cover

What the property investor needs to know about natural disasters?
Top-down or bottom-up?
The best approach to buying a property
Using social media in selling your property
Is the 40-year mortgage a bad thing ?

See omnystudio.com/listener for privacy information.

Your complete 2025 investment outlook

Tue, 14 Jan 2025 05:28:35 +0000

Over the summer holidays we put together a series of shows on the outlook for the year ahead: In those three episodes we looked at share markets and property markets and today we put it all together offering a comprehensive view of the prospects for your investment portfolio this year.

Financial adviser James Gerrard joins wealth editor James Kirby in this episode.

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In today's episode we cover:

*The final numbers for investors in calendar 2024

*Getting to know the consensus forecasts for key assets in 2025

*Gold, cash, bitcoin ...what's next

*The best approach to the new year

See omnystudio.com/listener for privacy information.

Your property investment in 2025

Thu, 09 Jan 2025 04:54:39 +0000

The experts tell us house prices should move higher by between one and four per cent in 2025. But that average forecast conceals a wide range of variables: Sydney and Melbourne may drop, Perth could keep going gangbusters for months. Haven't you heard?...all property is local. The key issue is to get started and stick to the right path in the year ahead.

In this special series show, we cover:

Capital city forecasts for the year ahead
Why internal migration patterns matter
The long-term promise of Melbourne
The factors that could knock our predictions off target.

Stuart Wemyss of Prosolution Private Clients joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Your Shares in 2025 - Part 2 : Top Picks

Mon, 06 Jan 2025 23:00:00 +0000

If bank stocks ran too hot on the ASX in 2024, should investors chase them again in 2025?
Perhaps there are better opportunities in the year ahead: We're talking miners, industrials and technology leaders.

Jun Bei Liu, portfolio manager at Ten Capital joins wealth editor James Kirby in this special summer edition of the show.

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In today's show, we cover:

* The limited outlook for bank stocks
* The forces that may trigger a rebound for resource stocks
* Why the consumer retail boom will keep going
* CSL, JB Hi-Fi, Pro Medicus, Rio...what's in store?

See omnystudio.com/listener for privacy information.

Your shares in 2025- Part 1 : Sharemarket outlook

Mon, 30 Dec 2024 23:00:00 +0000

How could the sharemarkets possibly repeat the powerful performance of 2024 in the year ahead? It's time to take a look at what the experts are predicting for the leading share markets over the next 12 months and why you are entitled to be (just a little bit) optimistic.

Marc Jocum, investment strategist at GlobalX ETFs joins wealth editor James Kirby in this special summer edition of the show.

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In today's show, we cover:
* The outlook for the ASX
* 2025 on Wall Street
* Megatrends of the coming year
* A 'small cap' sunrise

See omnystudio.com/listener for privacy information.

FIRE - Financial Independence, Retire Early - Could you do it?

Mon, 23 Dec 2024 23:00:00 +0000

Lionel Lee joins wealth editor James Kirby in the episode

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In today's show, we cover:

* The key principles of FIRE

* Getting the best from what the movement has to offer

* A case study that spans a lifetime

* The realities of 'firing up'

See omnystudio.com/listener for privacy information.

2024: Last-minute wobbles in a very good year

Thu, 19 Dec 2024 04:00:00 +0000

Never count your chickens...until the last day of the year: A sober call from US Federal Reserve chair, Jay Powell, has cooled US markets this week while on the ASX the biggest float of the year - DigiCo- has been an initial flop. But, hey, we are still looking at double-digit returns for investors in 2024...and that will do nicely.

Financial adviser James Gerrard joins wealth editor James Kirby in the final regular episode of 2024.

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In today's show, we cover

* A wrap for 2024 on listed investment markets
* Cash, gold and Bitcoin - what we learnt
* Super returns for 2024
* Why it's time to start thinking about the 'black swan'

See omnystudio.com/listener for privacy information.

What top stock CEOs are expecting in 2025

Tue, 17 Dec 2024 05:12:40 +0000

Call it key person risk - or perhaps ' key person opportunity': Either way, the personality of the CEO is crucial to the operation of most top stocks on the ASX.
The Australian has just released its annual CEO survey - let's hear what the CEOs are saying about the year ahead.

Associate editor Business Eric Johnston joins wealth editor James Kirby in this episode.

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In today's show, we cover:

* "Cautious optimism' - Top CEOs look forward to the coming year
* Banking on lending more - Financial CEOs wait for rate cuts
* Copper Call - Will this future-facing metal matter more than iron ore?
* What just happened at DigCo - and what does it mean for A-REITs

See omnystudio.com/listener for privacy information.

Too late to join Wall Street’s bull run?

Thu, 12 Dec 2024 05:13:15 +0000

Can the US possibly repeat its bumper returns again in 2025?
Well, the pundits tell us that US markets will return at least twice the total return from the ASX next year…so, why not?

Tim Mackay of Quantum Financial joins wealth editor in this episode.

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In today’s episode, we cover:

* The US share market prospects for the Aussie investor
* Bond ETFs…maybe this time!
* What did you do with your tax cuts?
* Getting a better deal on super for a couple

See omnystudio.com/listener for privacy information.

Your property questions answered

Tue, 10 Dec 2024 03:30:11 +0000

The inbox at themoneypuzzle@theaustralian.com.au is not going to get cleared by Xmas if we don't do something soon! Here's a collection of our recent correspondence.

Stuart Wemyss of Prosolution Private Clients joins wealth editor James Kirby in this episode.

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In today's show, we cover:

* The 40-year mortgage - good news or bad news?

* Centrelink and gifting a stake in your property

* Property trusts and the arrival of datacentre float DigiCo

* What defines a 'distressed property sale'

See omnystudio.com/listener for privacy information.

How to find a financial advisor

Thu, 05 Dec 2024 04:00:00 +0000

There were 30,000 advisers in Australia and there are 15,000 today. Worse still, there are only a teeny number of new recruits joining the sector each year.
Big Super may provide a breakthrough with its plan for specialised in-house advisors, but will they be any good?

Advisor Nathan Fradley joins wealth editor James Kirby in this episode.

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In today's show, we cover
* Finding a financial advisor in a shrinking market
* Will your super fund be able to offer good advice?
* What is debt recycling ?>
* CGT and retirement

See omnystudio.com/listener for privacy information.

Distressed property sales rising - but are they bargains?

Tue, 03 Dec 2024 04:00:00 +0000

It does not take long for distressed sales to appear in a soft property market: In Sydney and Melbourne there is now clear weakness in inner-city apartment markets.
But can an investor make money here?

Louis Christopher of SQM Research joins wealth editor James Kirby in this episode.

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In today's show, we cover:

* Soft spots in the metropolitan centres
* Why Brisbane and Perth may hold up in 2025
* Off-the-plan risks reappear
* When one-bedroom units make sense

See omnystudio.com/listener for privacy information.

Relax... the new super tax looks dead in the water

Thu, 28 Nov 2024 04:00:00 +0000

Call it a surprise if you like: But the unexpected, highly irregular, badly drafted new super tax is off the agenda: What's more, it's unlikely to reappear in anything like its current shape. Then again, a parliamentary logjam has also ensured the big breakthrough on financial advice - where super funds would come into the game in a major way - is also petrified in a political deadlock. At least we can start investing with a teeny bit of certainty from here.

Aleks Vickovich of the Conexus Financial group joins wealth editor James Kirby in this episode.

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In today's show, we cover

* What happened to the new $3m super tax
* Financial advice from big funds gets kicked into touch
* How paying $5000 a year for financial advice makes sense
* Should you be involved in private credit ?

See omnystudio.com/listener for privacy information.

My super, my property - What's possible?

Tue, 26 Nov 2024 04:00:00 +0000

You can already use funds from an SMSF to buy an investment property. But what if you could use money from your Big Super fund to buy a home? It's hardly a radical idea in an economy where you can take money out of super for cosmetic surgery!

Simon Jones of HomeSuper joins wealth editor James Kirby in this episode.

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In today's show, we cover:

* The plan to tap Big Super for home buyers
* SMSF opportunities in property
* The government's Shared Home Equity scheme is ready to go
* Are house prices really falling?

See omnystudio.com/listener for privacy information.

Special edition: 2024 Top Advisers list

Thu, 21 Nov 2024 03:30:00 +0000

Need some advice about advice? At The Australian, we have expanded our annual roll call of the best advisers: The List: Top 150 Financial Advisers is out this week.

To mark the occasion I'm joined by an adviser who has managed to make the list every year since it was launched in 2017. Will Hamilton of Hamilton Wealth Partners joins wealth editor James Kirby in this episode.

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In today's show, we cover

* How to find a top financial adviser

* What an adviser is looking for when they meet you

* If the industry is thriving, why are there no new recruits?

* Are all traditional ETFs the same ?

See omnystudio.com/listener for privacy information.

Big super cock-ups - Should you switch?

Tue, 19 Nov 2024 04:00:00 +0000

The Big Super funds are having a woeful run of high-profile cock-ups where customers have been let down by inept management procedures: Led by Cbus, the roll-call includes ART, Hesta and Unisuper. At what point do investors need to be concerned about failings in their super fund?

James Gerrard of www.financialadviser.com.au joins wealth editor James Kirby in this episode.

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In today's show, we cover

* Big Super's bad management
* The realities of switching super funds
* Commercial property triggers tough times for super sector
* Are property trusts really turning the corner?

See omnystudio.com/listener for privacy information.

Investing in Trump time

Thu, 14 Nov 2024 04:00:00 +0000

Australian investors have flocked to Wall Street in recent times favouring the 'Magnificent Seven' big tech stocks - and Warren Buffet's Berkshire Hathaway group. But Donald Trump's new regime looks set to favour old-school blue chips, not to mention oil and gas stocks. What to do?

Gemma Dale, head of investor behaviour at nabtrade, joins wealth editor James Kirby in this episode.

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In today's show, we cover:

* How to play the share market under Trump* From Elon to Warren - what's going to change?* The ETFs for global exposure * Dollar cost averaging - don't ever forget it

See omnystudio.com/listener for privacy information.

Unlocking the professional formula for investment property success

Tue, 12 Nov 2024 04:00:00 +0000

Many property investors never know if they will win or lose on a property until the day they finally sell it: In contrast, professional investors don't fly blind, instead they concentrate on their Internal Rate of Return. Here's how it works.

Stuart Wemyss of Prosolution Private Clients joins wealth editor James Kirby in this episode.

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In today's show, we cover:

* Assessing the Internal Rate of Return on your property
* The secret of high-yielding investment property
* Why homeowners win in the pension system
* Land tax traps (especially in Victoria)

See omnystudio.com/listener for privacy information.

HECs - what just happened to your bill?

Thu, 07 Nov 2024 04:00:00 +0000

The average HECs bill is now $27,000 and many listeners will have bills that are higher than that: This week the government restructured the entire working of the student debt system - and threw in a universal 20 per cent cut on all existing HECs bills - how will it work?

Hugh Robertson of the Centaur Financial Services joins wealth editor James Kirby in this episode.

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In today's show, we cover:

HECs - The new deal
Prioritising tax-deductible debt
Why Trump won't help your ASX shares
The ETFs to buy for the new US presidency

See omnystudio.com/listener for privacy information.

Is Sophisticated Investor status worth the effort?

Tue, 05 Nov 2024 04:00:00 +0000

There are two classes of private investor in Australia: Everyday retail investors and legally certified sophisticated investors (defined by law as having an annual income of at least $250,000 or assets of more than $2.5m),Today we examine the sophisticated investor regime - how it works and whether you would gain anything from making the cut.

Ray Tubman of Heirwealth joins wealth editor James Kirby in this episode

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In today's show, we cover:

The great Australian $3.5 trillion wealth transfer
The good and bad of becoming a sophisticated investor
Property options for the High Net Worth brigade
SMSF versus index funds inside Big Super

See omnystudio.com/listener for privacy information.

Are wayward CEOs costing you money?

Thu, 31 Oct 2024 04:00:00 +0000

CEO scandals are flooding the share market: Qantas, Wisetech, MinRes...the list keeps growing. The thing is, each of those companies has a board that is paid handsomely for supposedly keeping the CEO under control.What could be done to change this risk?

Fund manager Roger Montgomery joins wealth editor James Kirby in this episode.

In today's show, we cover:

Coralling the larger-than-life CEO: A proposal
The problem with independent company directors
Is AI any smarter than a cat?
Why can't we get after-tax returns from big funds?

See omnystudio.com/listener for privacy information.

Biggest mistakes property buyers make at auction

Tue, 29 Oct 2024 04:00:00 +0000

Buying at auction might seem straightforward, but unfortunately you are likely to become a bunny in the headlights when it comes to the big day.
Still, knowing what can go wrong is the first step to enlightenment - and that includes being very careful in choosing a buyer's agent because some of them have so little in the way of credentials...it's alarming.

Property educator, Veronica Morgan, joins wealth editor James Kirby in this episode.

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In today's show, we cover

The problem with buyer's agents
How to handle auction day
Queensland property black spot
Building costs inflation...how bad is it?

See omnystudio.com/listener for privacy information.

Could you handle a share market crash?

Thu, 24 Oct 2024 04:31:07 +0000

This week - in 1987 - the ASX fell 25 per cent IN A DAY. Just now the local share market is going gangbusters: In fact, it is testing its all- time valuation peak. But here's the thing: The market will crash again - we just don't know when this will happen or what might trigger the downturn. What was it like to sit through a 25 per cent drop in a matter of hours and what can we learn from it as investors?

Alex Moffatt of Joseph Palmer and Sons joins wealth editor James Kirby in this episode.

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In today's show, we cover:

Lessons from the great crash of 1987
Why markets overheat and how to protect yourself
Is the scandal at MinRes a sign of things to come
NextDC - Why this value investor thinks it too hot to handle

See omnystudio.com/listener for privacy information.

Should we follow the PM to the beach?

Tue, 22 Oct 2024 04:00:00 +0000

Every spring property investors are tempted again by the lure of the beach house: This year the Prime Minister Anthony Albanese made his move with a high-profile $4.3m purchase on the Central Coast. Is a holiday home a good investment? Let's find out...

James Gerrard of www.financialadvisor.com.au joins wealth editor James Kirby in this episode

In today's show, we cover:

*Assessing holiday homes as an investment
*Why beach houses often don't work out as planned
*Making money from rentals at the beach house
*Sub-dividing and CGT exposure

See omnystudio.com/listener for privacy information.

Disappearing dividends - The hidden problem in our hot share market

Thu, 17 Oct 2024 04:00:00 +0000

The chances are that your share portfolio is going gangbusters. But a paradox of our bull market on the ASX is that the dividend payouts are sliding: Anyone starting today as a share investor is going to find it much harder to get the sort of dividend income that made our market a standout.
What's happening...and what should you do?

Don Hamson managing director of the Plato Investment group joins wealth editor James Kirby in this episode.

In today's show, we cover:

* Fading dividends - Why dividend yields are shrinking?
* Forward with franking - dividend imputation is more important than ever
* Could A-REITs be the answer ?
* The failings of ETFs which Jack Bogle may not have mentioned

See omnystudio.com/listener for privacy information.

Yes, I'd use my super to buy a home - here's why

Tue, 15 Oct 2024 04:00:00 +0000

There are now several efforts afoot to use super for home buying: Liberal party politicians are pushing to allow first-home buyers to tap up to $50,000. Separately, there is a move to allow single and divorced women special access to super to avoid homelessness.
Does it all make sense? Unfortunately, due to the skewed nature of our tax system, the case for using super for houses is increasingly compelling.

Sarah Petty, property reporter on the Herald Sun joins wealth editor James Kirby in this episode.

In today's show, we cover;

* The attractions of using super to buy your first home
* Melbourne's ever-improving relative value
* Why it's time to put the 'mortgage buffer' back in its box
* Testing Elon Musk's 'boxable' houses

See omnystudio.com/listener for privacy information.

We have to talk about the inheritance tax on super (with Noel Whittaker)

Thu, 10 Oct 2024 04:00:00 +0000

Australia has no inheritance tax, or so they say: In reality, many people will have most of their life savings in super - and much of that money may be taxed when inherited by the next generation.
It's one of the important points made by our special guest today, who's just written a book on the entire subject of wills, death and taxes.

Author Noel Whittaker joins wealth editor James Kirby in this episode.

In today's show, we cover:

* Why you need a will and you need to review it every four years
* The hidden death tax in your super savings
* Understanding the enduring power of attorney system
* Asked to be the executor of a will? What should you do
.

See omnystudio.com/listener for privacy information.

Keep that investment property out of super - here's why

Tue, 08 Oct 2024 04:12:34 +0000

Property tax concessions are highly popular - and widely debated - because they work so well. So why would you water down those concessions by having a property inside a super fund?

Duncan Perkins of Tax Time Accountants joins wealth editor James Kirby in this episode.

In today's show, we cover:

Should investment property be inside super?
Why the government's home equity access scheme is a winner
If you gear property why don't you gear ETFs
The history of the six-year rule for CGT

See omnystudio.com/listener for privacy information.

What can a 24 year-old tell you about investing? (you will be surprised)

Thu, 03 Oct 2024 03:52:54 +0000

Today's guest runs a social enterprise, owns several investment properties and got out of school as fast as he could. He's just written his first book - 'Young, dumb and financially independent' - oh yes, and his mentor is Shark Tank celeb Steve Baxter.

Taj Pabari of the ASE group joins wealth editor James Kirby in this episode.

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In today's show, we cover:

* The importance of starting your investment journey early

* Why financial literacy should be taught in schools

* Property investing as a fun side hustle

* Do you really need a car? (if you are serious about saving)

See omnystudio.com/listener for privacy information.

March of the millennials:The biggest trend in property

Tue, 01 Oct 2024 05:00:00 +0000

For property investors looking long term, the future shape of Australia will dictate the future shape of investment returns...and the single biggest trend is going to be the movement of millennials from the inner suburbs to the middle suburbs where they are going to search for a family home.

In today's show, we dig deep on demographics....

* The march of the millennials (to the middle suburbs)

* Understanding the aging of Australia

* Has Work From Home changed property prices?

* South East Queensland and Geelong - Two future hotspots

Simon Kuestenmacher of the Demographics Group joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Things you've always wanted to ask a lawyer

Thu, 26 Sep 2024 05:40:53 +0000

It's usually too late to act when you realise you need a lawyer. And when it comes to money and finances, it is always good to be clued up on the legal side of things. We cover a range of legal matters from the simplex to complex that involve your finances. Lawyer Peter Kernan from Aubrey Brown Lawyers joins Wealth contributor James Gerrard of FinancialAdvisor.com.au

In this episode we cover:
- How to deal with a simple fence dispute
- Tips and traps when buying 'off the plan' property
- Getting your Will right in blended families
- Legal considerations when investing with friends

See omnystudio.com/listener for privacy information.

Key indicators for long-term property success – what to focus on

Tue, 24 Sep 2024 05:41:29 +0000

Warren Buffett once remarked that “forecasters will fill your ears but never your wallet.” With the media saturated by property price predictions, it's essential for long-term investors to focus on the right economic indicators.

In today’s episode, guest host Stuart Wemyss talks with David Bassanese, chief economist at Betashares, to help investors navigate the complexities of property market forecasts.

In today’s show we cover:

Long-term property prices in Australia are influenced by overall economic conditions and affordability, often measured by the price-to-income ratio. Invest in locations that are less reliant on incomes.
Interstate migration can server as a leading indicator for a shift in market sentiment.
Increasing housing affordability hinges on boosting supply through density and/or infrastructure development to allow the population to spread out, though significant changes over the next 1-2 decades are unlikely in Australia. Invest accordingly.
David shares his views on the Reserve Bank of Australia's cautious approach and forecasts the first interest rate cut could come in February 2025.

See omnystudio.com/listener for privacy information.

Let's face it - no one likes tax, but how do we pay less of it?

Thu, 19 Sep 2024 05:00:00 +0000

Like the old saying goes there are only a few things certain in life - death and taxes. In this episode we cover some of the most important tax strategies for people in different age brackets: 18 to 40, 40 to 60 and over 60 years of age. Each one of these groups have unique opportunities to manage and legally reduce what they pay in tax.

Accountant Timothy Ricardo from Accounting Advisor Group joins Wealth contributor James Gerrard of FinancialAdvisor.com.au

In this episode we cover:

- Tax tips for younger people to get into the property market
- Who should be thinking about getting a family trust
- Strategies to minimise tax leading up to and during retirement
- Top tax deductions you didn't realise you could claim

See omnystudio.com/listener for privacy information.

Investment Lending Hits All-Time High: What’s Driving the Surge?

Tue, 17 Sep 2024 05:00:00 +0000

Lending to property investors has surged by 47% over the past 5 months, despite high interest rates, a drop in interest-only loans from 40% to 10%, rising property taxes, and stricter tenancy laws.

In today’s episode, guest host Stuart Wemyss speaks with Ben Kingsley from the Property Investors Council of Australia.

In today’s show we cover:

· The negative effects of the 2017 lending restrictions.

· The impact of rising property holding costs, including increased taxes and levies.

· Investor sentiment as reported in the PIPA survey, and strategies for navigating the current challenges for investors.

· How the government's policies on building more homes and increasing density in established suburbs might affect new and existing investors.

See omnystudio.com/listener for privacy information.

Private equity playbook - tips from an insider

Thu, 12 Sep 2024 05:00:00 +0000

Ever thought about investing in private equity but not sure where to start, what sort of returns are on offer and how to assess the risks, well this episode is for you as we open the lid and unpack the key issues that anyone thinking about private equity investment should consider.

Private equity investor and tech entrepreneur Rudi Engelbrecht joins Wealth contributor James Gerrard of FinancialAdvisor.com.au

In this episode we cover:

- How to get started in private equity
- Tips and tricks from a seasoned private equity investor
- How to value a private equity investment
- The key risks and pitfalls to navigate

See omnystudio.com/listener for privacy information.

Spring Property Market Outlook: What to Expect

Tue, 10 Sep 2024 05:01:01 +0000

Spring's peak property market begins in September, making it the ideal time to for us explore what to expect. Capital city markets are at various stages: Perth, Adelaide, and Brisbane are thriving, Sydney is a relatively balanced market, while Melbourne is quite soft. It's important to understand how buyers and sellers should navigate these differing market conditions.

Joining guest host and financial advisor Stuart Wemyss, is Jarrod McCabe from Wakelin Property Advisory.

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In today’s show we cover:

How different markets (soft vs. hard) respond to increased listings.
Tips for buyers and sellers.
Regional market trends and the impact of working from home.
The types of properties that are outperforming.

See omnystudio.com/listener for privacy information.

Do You Need a Financial Adviser? The Truth About Picking and Being Chosen

Thu, 05 Sep 2024 05:00:00 +0000

How to pick a financial adviser? It's one of the most common questions for investors...but a more realistic question is: Should you even bother? Another valid issue to ponder is whether the adviser wants you in the first place?

One in six clients were cut from the client lists of financial advisers last year. Many advisers will not admit it, but they only want 'sophisticated investors' with $2.5m to spend or else an annual income of $250,000 plus.

Author and adviser Jacqui Clarke joins wealth editor James Kirby in this episode.

In today's show, we cover:

* How advisers pick their clients

* When advice costs too much to add value

* Key questions you must ask

* The benefits of becoming a 'sophisticated investor'

See omnystudio.com/listener for privacy information.

Sunny outlook for Queensland property

Tue, 03 Sep 2024 05:00:00 +0000

The Australian property market has always been a collection of regional sectors: But one regional property sector stands out with the strongest long-term fundamentals: Queensland.

Louis Christopher of SQM Research joins wealth editor James Kirby for this episode.

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In today's show, we cover:

* Why Queensland tops the bill for this top property analyst

* Unit prices are rising and that's not good for the market - here's why

* Why regional vacancy rates remain tight

* My super for my home - the argument against it

See omnystudio.com/listener for privacy information.

ETFs: Just when you thought you understood them, they've changed

Thu, 29 Aug 2024 05:07:23 +0000

It's taken about two decades for the wider investment public to understand ETFs: The index funds that allow you to buy anything from the ASX 200 to the S&P 500 are now very popular. But just as the message on passive investing broke through, the sector has turned the idea upside down by going head-to-head with active managers. It's time to figure out what's going on.

Marc Jocum of GlobalX joins wealth editor James Kirby in this episode

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In today's show, we cover:

Getting to know traditional ETFs
The pros and cons of new-style active ETFs
Geared ETFs - How do they work?
Using ETFs for unlisted assets

See omnystudio.com/listener for privacy information.

If you don't buy, you rent until you die ... discuss

Tue, 27 Aug 2024 04:54:20 +0000

We hear it more and more: 'Property is so dear, it's impossible...so we are just going to give up now.' Today the author who coined the contentious line about renting forever if you never purchase a home explains his distinct point of view. Not everyone will agree.

Financial adviser Bruce Brammall joins wealth editor James Kirby in this episode.

In today's show, we cover:

Look again - Maybe you can buy that first home
Permanent residence - what you need to know
When the bank changes the rate you thought you agreed on
Negative gearing beyond property

See omnystudio.com/listener for privacy information.

He manages $120 billion, what keeps him awake?

Thu, 22 Aug 2024 06:16:12 +0000

Anyone with an investment portfolio has experienced stress: But what if you had nearly two million people depending on your investment skills to manage their retirement money? And what if you created your own pressure because your $120 bn fund has been the top super fund in Australia for a decade? It's time to talk to Sam Sicilia, chief investment officer at Hostplus.

Sam Sicilia, chief investment officer at Hostplus joins wealth editor James Kirby in this episode

In this episode, we cover:

Why you can't invest the same way as a big fund
Super's new challenge - managing your money after you retire
The dilemma posed by ESG for retirement managers
Your super fund is an 'active' manager - can they beat a passive approach?

See omnystudio.com/listener for privacy information.

If banks are cutting deposit rates, will lending rates follow?

Tue, 20 Aug 2024 05:57:33 +0000

The big banks have jumped the gun, putting through hefty cuts on deposit rates before the RBA has even conceded that official rates can move lower.Money markets dictate money prices: If they are right, the rate cut you have been expecting is just around the corner.

AMP economist Diana Mousina joins wealth editor James Kirby.

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In today's show, we cover

Rates finally drop - but not for borrowers
* Why are my council rates rising if prices are flat?
* Can childcare stocks ever be viable for retail investors?
* The FIRE movement returns fire

See omnystudio.com/listener for privacy information.

Why the rich are comfortable with investments they can't cash out fast

Tue, 20 Aug 2024 00:30:35 +0000

Our guest today has been rated as one of the top advisers in the market for many years. He makes the point that virtually every Australian investor loves property - a notoriously illiquid asset. But then very few investors are willing to move into illiquid assets outside of bricks and mortar...it's time to change your mind.

Charlie Viola of Pitcher Partners joins wealth editor James Kirby in this episode.

In today's show, we cover:

*Why are you scared of illiquid assets?

*Do you have enough exposure to overseas share markets

*Help! I need to move a lot of money overseas...where do I start?

* The truth about Trump and fossil fuels

See omnystudio.com/listener for privacy information.

FIRE (Financial Independence, Retire Early) - Does it work?

Tue, 13 Aug 2024 05:10:21 +0000

One of the biggest ‘movements’ in finance is the FIRE concept. You work hard, you save even harder and you retire early. Does it work? Does it pay off? Does it even make sense?

James Gerrard of www.financialadviser.com.au joins wealth editor James Kirby in this episode.

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In today’s show we cover:

*Facing FIRE - It’s a neat acronym, but is it for real?

*Insurance - The unavoidable cost that may have to come first

*Property versus super

*Negative gearing - Did getting rid of it in NZ really hurt the market?

See omnystudio.com/listener for privacy information.

If the market has recovered, shouldn't you be bargain hunting?

Thu, 08 Aug 2024 05:50:15 +0000

As today's guest points out, we are looking at a 'most distrusted share market rally' where investors are still trying to figure out what on earth prompted a shock reversal earlier this week.

Maybe investors might be better off looking at fundamentals such as results, and interest rates and take less heed of exotic explanations for the downturn such as Buffett's offloading of Apple or the 'Japanese carry trade' : Because, after all, nobody really knows why 'Mr Market' sometimes acts irrationally.

Author and analyst Danielle Ecuyer joins wealth editor James Kirby in this episode

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In this week's episode, we cover:

The aftershock from the flash reversal on the share market

Should the ever day investor hedge?

The risk of buying 'listed' private investments

Iron ore prices and ASX miners

See omnystudio.com/listener for privacy information.

What the share market pullback tells every investor

Tue, 06 Aug 2024 05:29:41 +0000

The worst share market drop on the ASX for four years will have ripple effects for investors in every asset class. For a start, it takes speculation of further rate rises off the table and it could prompt a swing towards property: Either way, it is going to mean a red alert for the next few weeks.

Anthony Keane, personal finance writer at News Corporation joins wealth editor James Kirby in this episode.

In today's show, we cover...
* Lessons from this week's sharemarket pullback
* How a weaker share market may lead to lower rates
* Why diversifying property matters as much as diversifying your shares
* Is my super safe from scammers?

See omnystudio.com/listener for privacy information.

The AI Share Market Backlash

Thu, 01 Aug 2024 03:50:02 +0000

It had to happen: The excitement around Artificial Intelligence ran hot on the share market and now the question is, where are the profits?
For investors backing AI-fuelled stocks, it is time to take a breath - but at least they can take comfort in one fact: These stocks make money...it's not a bubble (so far).

In today's show, we cover

* The AI share market boom takes a step backward
* Can you get your money out of a private credit fund?
* The minimum amount you need for a family trust
* What is 'hedging' and should you pay for it?

Will Hamilton of Hamilton Wealth Partners joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

The state with an oversupply of property

Tue, 30 Jul 2024 05:51:17 +0000

New data this week reveals the key to a slump in Victoria: Believe it or not there has been too much new property built in Melbourne. Moreover, there are now more sellers than buyers across the state: How long can it last?

In today's show, we cover

* Why prices and rents will keep rising ?
* The state that overbuilt
* Shared house - the ultimate investment property
* Where can I get a 40-year mortgage?

Eliza Owen, economist at CoreLogic joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Setting up for the new financial year

Thu, 25 Jul 2024 05:59:00 +0000

So, you probably did very well in the year to June as an active investor: But what are your plans for the year ahead? Do you still believe rates are going down? Will small caps outperform large caps? It's time to take stock.

In today's show we cover

* Setting your sails for FY 2025
* The Biden moment - When it's time to quit
* The theory behind a potential small-cap rebound
* CGT tangles in the home where you lived and then rented

Hugh Robertson of Centaur Financial Services joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Can’t pay that mortgage? Three ways to fix it

Tue, 23 Jul 2024 10:23:20 +0000

Whether you are an investor or an owner-occupier, the interest rate rises of recent years can be a squeeze.

But you do have options, including extending the life of your mortgage or switching to interest-only: Under both these arrangements you will pay less each month.

Or maybe you could hold on a little longer, economists still believe we will see rate cuts early next year.

In today’s show we cover:

Is the national property market cooling?
Getting over your mortgage cliff?
How bank stocks and house prices are getting closely linked
Preparing for a second ‘Trump bump’

Our guest is Nerida Conisbee, chief economist at the Ray White group.

See omnystudio.com/listener for privacy information.

Red-hot sharemarket - your next moves

Thu, 18 Jul 2024 06:27:04 +0000

The ASX is up 12 per cent in a year, the US S&P is up 24 per cent and now 'pro-market' Republican Donald Trump looks set to win the US election. What are investors buying and what can we expect for the rest of the year?

In today's show, we cover...

* Will Trump accelerate the share market bull run?
* Australian investors stick with miners even though banks surge
* What might a sudden Trump-driven $US drop unleash?
* The problem with infrastructure ETFs

Gemma Dale head of investor behaviour at nabtrade joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Would we be better off with less landlords?

Tue, 16 Jul 2024 04:56:29 +0000

Investors with multiple properties often get a hard time: Anissa Cavallo owns 15 investment properties having started as a divorced mum living in her parent's home.
So, don't expect any apology from this investor, but she does put forward a forceful argument for investing in residential property - and some excellent insights into how to do it successfully

In today's show, we cover...

* How many properties should an investor hold?
* The perfect suburb for the investor
* Is the WA property market reliable?
* The outstanding attraction of stand-alone property

Anissa Cavallo of EDA property advice group joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

If Trump wins...what would it mean for sharemarkets?

Thu, 11 Jul 2024 06:15:48 +0000

The sharemarkets are firing - the US market is on an absolute tear...and now we have the prospect that Republican Donald Trump could win again. The last time Trump won, Wall Street went for a run...what might happen this time?

In today's show we cover:

* The outlook for the share market

* Why 'active' ETFs are riskier than you think

* The problem with assuming your super returns will stay so good

* Thinking long-term about splitting super savings between couples

Adviser James Gerrard of www.financialadviser.com.au joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Villa Units: What's not to like for the smart investor?

Tue, 09 Jul 2024 06:42:44 +0000

Property investors and home buyers take a second look! Villa units - the humble single storey dwellings to be found in every metropolitan suburb are being reassessed by a new generation. They may not be fashionable - but they are going to be hot property.

In today's show we cover:

* Reassessing the villa unit
* Why insurance inflation is crunching the housing market
* Where is the government's shared equity scheme?
* The $99,000 Melbourne apartment (not for everyone)

Sarah Petty, property reporter at the Herald Sun joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

How much should you have in super…seriously!

Thu, 04 Jul 2024 07:11:30 +0000

It’s the single most common question among Australian investors and the answer is different for everyone. But there are firm principles you can follow and simple formulas that will at least give you a very good sense of how your super is shaping up.

In today's episode we cover:

* Why you need to be sceptical of ‘super calculators’

* How you - or your partner - could live to be 100

* Don’t underestimate the role of the government aged pension

* Why the amount you spend per year is the number you need to know

Ashley Owen of OwenAnalytics joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

The four magic words for a better mortgage deal

Tue, 02 Jul 2024 05:36:41 +0000

How much is property costing you? Home loan borrowers are extending their mortgages to keep costs down: Investors are absorbing higher running charges with an eye on the long term prize of capital gain. This week we take a close look at refinancing and how to make it work

In today’s show we cover

* How to speak the language of property finance (and score a better deal)
*. Does downsizing actually save money?
* Forecasts for the year ahead
* Extending the mortgage - pros and cons

Stuart Wemyss of ProSolution Private Clients joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Big Shorts: CBA, Guzman Y Gomex...what's up?

Thu, 27 Jun 2024 06:23:38 +0000

The share market is heading for another strong year, but the short sellers are working hard to pull down some champion stocks on the ASX: Blue chip CBA and IPO darling Guzman Y Gomez are among the targets.What does it mean for investors?

In this episode, we cover:
Short order - Why do traders believe top stocks are heading for a fall? The tricky business of small-cap stock selection

What happened to luxury goods seller Cettire? Stock splits - Why they push up the share price

Dean Fergie of Cyan Investment Management joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Secrets of buying your first home

Tue, 25 Jun 2024 06:21:48 +0000

You may think you are ready to join the property market but do you have your squad of professionals in place? And have you considered the humble villa unit?

In today's episode we cover:

* A buyer's advocate tips for the first -time buyer

* Villa units - Are they the most undervalued properties in Australia?

* Land tax - Getting to know state-based land tax regimes

* Have we reached peak mortgage broker?

Jarrod McCabe of the Wakelin Property Advisory group joins wealth editor James Kirby in this episode

Cliona O'Dowd's piece on superannuation can be found here.

See omnystudio.com/listener for privacy information.

The stocks the billionaires are buying

Thu, 20 Jun 2024 09:23:43 +0000

Tycoons win and lose on the sharemarket just like the rest of us: This week Peter Cooper had a win with Guzman Y Gomez but then 'Hungry Jack' Cowin has watched his Domino's Pizza shares drop by a third so far in 2024. What can we learn from tycoon stock-picking?

In today's episode we cover

* The stocks that paid off big time for Rich 250 players
* Terrible tycoon stock picks of 2024 (so far)
* The Australian who has $900m worth of Nvidia stock
* How stock splits work

John Stensholt editor of The Rich 250 joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Land tax: Time to shop around?

Tue, 18 Jun 2024 05:39:07 +0000

As NSW follows Victoria with fresh moves to raise more money from Land Tax: Investors need to review their options and look at the different settings around the nation.
In today's show, we cover...

Land tax -The states squeeze the lemon - what can you do?
Interest-only loans as a way to better manage debt
Buying a house with mates - what you need to know
If your home is your main workplace - are trips to work tax deductible?

Kitty Parker of Kitty and Miles Buyers Agency joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Money Shock - Dealing with a financial emergency

Fri, 14 Jun 2024 03:43:44 +0000

Most of us invest to make money for better times. But what about needing money for when things go very wrong. Today's guest was a patent lawyer when her family was hit with a major health trauma. The experience triggered a career change into becoming a financial adviser.

In today's show we cover:

Emergency money - Why you must have a plan
Understanding the insurance inside your super
Should you bother with income protection insurance?
The pro-bono financial advice network

Nicola Beswick of FMD Financial joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Melbourne property: Bargain basement or 'Loserville'?

Tue, 11 Jun 2024 05:18:33 +0000

The soon-to-be-biggest city in Australia is among the cheapest! It is also the weakest in terms of price gains this year...so what should an investor do?

In today's show we cover ...

Is Melbourne now the bargain of the decade?
Interrogating the 'units will rebound' theory
Will immigration cuts weaken the property market?
The first steps in developing a property?

Financial adviser Bruce Brammall joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

What your accountant never told you

Thu, 06 Jun 2024 06:42:19 +0000

Ever been to a BBQ where someone told you about a unique tax strategy and you're left wondering why your accountant never mentioned this before? It might be claiming a luxury car as a tax deduction or becoming a tax resident of a tax haven like Vanuatu to avoid paying income tax.

We sit down with an accountant to run through a range of "is this possible" scenarios from claiming travel costs on investment properties to determining whether you can claim pet food as a tax deduction for your dog if they can double as a guard dog. We get to the bottom of many interesting tax myths and either debunk them or confirm their legitimacy.

In this episode we cover:

Someone told me I could claim this on tax, can I?
End of financial year tax tips
How to pick an accountant that's right for you

Located on Sydney's Central Coast, accountant Timothy Ricardo joins Wealth contributor James Gerrard of FinancialAdvisor.com.au

See omnystudio.com/listener for privacy information.

Property development playbook - tips from an insider

Tue, 04 Jun 2024 05:45:26 +0000

High risk, high return is the perception when it comes to property development. So, no wonder that only 2% of all property investors actually engage in property development activities. If you have ever thought about property development, this is the episode for you.

In this episode we cover:

How to get started in property development
Tips and tricks from an experienced property developer
Is there still money to be made in development?
Expected ROI and how to decide between cash vs debt funding

Property developer Daichi Somehara of buyers agency firm Property Buyer joins Wealth contributor James Gerrard of FinancialAdvisor.com.au

See omnystudio.com/listener for privacy information.

Special edition: Listener questions answered

Thu, 30 May 2024 07:13:59 +0000

The inbox at themoneypuzzle@theaustralian.com.au has been bursting at the seams - it's time to give listener questions the attention they deserve.

In this show we cover:

Is a stock split something to worry about?
Help! I should have put this investment inside super
Retirement calculators forget to tell you one thing
Dividend Reinvestment programs - how they work

Financial adviser James Gerrard joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Would you tap your super to buy a first home?

Tue, 28 May 2024 06:13:20 +0000

Using super for any reason other than retirement savings used to be taboo: Not anymore, and not when the tax system is totally loaded in favour of the homeowner. The Coalition proposal to allow super for first home buyers is gaining attention, it's an idea that will be hard to resist.

James Gerrard of The Financial Adviser joins Wealth Editor James Kirby in this episode.

In this episode we cover:

Changing role of super in home buying
Big risks with NDIS property schemes
Why are some property owners quitting?
Value in the regions - Investors are going further from the cities

Submit your questions on all things property, business and finance: themoneypuzzle@theaustralian.com.au

Read more from James Kirby on The Australian

See omnystudio.com/listener for privacy information.

Should you have a Self Managed Super Fund?

Thu, 23 May 2024 07:26:14 +0000

Are SMSFs worth the trouble? How much should you have in funds to get started?

There are now more than 600,000 SMSFs in the local market: If you don't have a fund, it's time to think about it (and if you do have a fund: It might also be time to consider whether it is still the best tax structure for your situation).

In today's show we cover:

Are Self Managed Super Funds worth the trouble?
What is the ideal age to begin a new fund?
The latest patterns in SMSF activity from the ATO
Dealing with the new super tax

Julie Dolan, head of SMSF and estate planning at KPMG joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

A golden age for the apartment investor?

Tue, 21 May 2024 02:57:46 +0000

The argument against apartment investment has always been the same: 'They can just keep adding new developments'...well, not anymore. The market is changing and the statistics are there to prove it.

In today's show we cover:
* Why the rebound in apartment investment returns will continue
* Using super for buying a home - should you?
* WA wins as the best state for property investors
* Is Lenders Mortgage insurance a con?

Terry Ryder of the Hotspotting group joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

The Budget Special Edition

Thu, 16 May 2024 06:44:00 +0000

The 2024 budget was a deft piece of work: Politically astute, and supportive of low-income Australians but also a very mixed bag for investors.

In today's show we cover:

The budget measures that matter to investors
Things the government did not do (which will make a big difference)
The share market sector awash with government largesse
HECs - did they really do that much?

Will Hamilton of Hamilton Wealth Management joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

New order: How Canberra and Brisbane now outpace Melbourne

Tue, 14 May 2024 03:27:38 +0000

You might think you know the Australian property market but the goalposts are moving: Hobart had slid down the ladder, Canberra is second only to Sydney while Brisbane and Perth are charging ahead. It's time to reassess.

In today's show we cover:

The changing profile of big city property markets
Why units are set to do better than houses (per square metre)
In support of the First Home Super Saver scheme
Will Perth now pass out Melbourne average home values too?

Tim Lawless, head of research at CoreLogic, joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

'Sell in May and go away' - fact or fiction?

Thu, 09 May 2024 06:53:50 +0000

Is there anything behind this piece of share market folk wisdom? We find out.Also, our biggest super funds are set to expand their offerings in financial advice: What can we expect from this development - and what does it mean for independent advice?

In today's show we cover :

Pros and Cons of super funds offering advice
The reality of 'sophisticated investor' rules
Why are we selling key assets to overseas pension funds?
Myth busting --Sell in May and go away

Hugh Robertson of Centaur Financial Services joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Postcode discrimination - positive or negative ?

Tue, 07 May 2024 03:15:13 +0000

The banks are starting to carve up the lending market by postcode. If you are inside one of the 145 (out of 3300) postcodes ANZ Bank has cherry picked you can get a special deal on larger loans. What does this mean for the market? What does it mean for you?

In todays show we cover :

Getting to know postcode-driven lending deals
What will the Federal Budget offer for property ?
The reality of falling prices on a residential market

Pete Wargent of AllenWargent Property Buyers joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

So you thought you knew ETFs...

Thu, 02 May 2024 07:25:13 +0000

The plain vanilla Exchange Traded Fund (ETF) turned the Australian funds management sector on its head. Now, the whole scene is changing again with everything from Bitcoin funds to leveraged products.

In today's show we cover:

Everything you need to know about traditional ETFs
The pros and cons of index-based funds
Why ETFs don't work every time
Dividends and CGT - how it works for ETF investors

ETF expert Kanish Chugh joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

What we can learn from the way Australia's billionaire families invest

Tue, 30 Apr 2024 02:48:04 +0000

For the first time in the history of The Money Puzzle, James Kirby is off sick. James will be back on Thursday with a new episode, but for now we hope you enjoy his chat from last December with Damon Kitney about the families behind Australia’s biggest companies.

Who are they, and what can we learn from the way they invest?

See omnystudio.com/listener for privacy information.

The case for raising rates now

Wed, 24 Apr 2024 15:00:00 +0000

It might seem like only yesterday that rates were supposed to be coming down but the news changes fast: This week's inflation data has already prompted calls for RBA rate rises. One of the loudest calls comes from this week's guest... who should know - he's an expert in fixed income markets.

In today's show we cover:

Where to now for fixed income and bonds?
The limits of exchange-traded funds
What happens to 'big super' when everyone is on a pension?
Why we undervalue cash

Christopher Joye of Coolabah Capital Investments joins wealth editor James Kirby on today's episode

See omnystudio.com/listener for privacy information.

Why rental growth is going to weaken

Tue, 23 Apr 2024 05:24:06 +0000

For renters it’s been tough, for property owners it’s been plain sailing as rents grew in double digits last year. With slowing immigration intake and some easing of wider pressures, rent increases are not going to stay at those high levels.Where do rents go from here?

In todays show we cover :

The changing outlook for rental growth
Why Melbourne and Hobart will struggle to keep pace
Brisbane property powers ahead
Budget hopes for HECs-laden home buyers

Nerida Conisbee, chief economist at the Ray White real estate group joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Secrets of a successful tax return this year

Thu, 18 Apr 2024 06:38:09 +0000

June 30 this year is a unique tax opportunity for the simple reason your tax bill in FY 2024 is very likely to be higher than FY 2025: That means the deductions are better if you get them sorted in the next two months.

In today's show we cover:

The outstanding ways to save tax this year
Making the most of the looming tax cuts
Handbags and guard dogs - some unlikely deduction opportunities
Choosing a trading platform

Dr Adrian Raftery aka Mr Taxman joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

The Generation Z perspective

Tue, 16 Apr 2024 05:03:03 +0000

What does the property market look like to Gen Z? The generation born after 1997 that takes a one percent vacancy rate as 'normal'; The people who get 100 applicants for a spare bedroom in a shared house. They have a different story but it is a story we all need to know.

In today's show we cover:

The realities of property investment for Gen Z
Exploring the opportunities of being a 'rentvestor'* Using super for buy a home
Is the office sector rout over?

Sarah Petty real estate reporter for the News Ltd network joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

HECs... something's gotta give

Thu, 11 Apr 2024 04:34:06 +0000

The average HECs student debt is now $26,500 and rising rapidly. Once upon an inflation-free time HECs hardly mattered, now it matters a lot. Worse still, the way HECs is managed by the government is antiquated and unfair to former students. Meanwhile, banks use the debt to reduce your borrowing capacity. No wonder there is a push to change the process.

In today's show we cover:

Why more than 200,000 people are pushing for change in student debt
How to manage your HECs situation
Expanding an SMSF to include six people
Is leasing an electric car a better way to go?

Advisor James Wrigley of First Financial joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Will the rate cut delay stall the property market?

Tue, 09 Apr 2024 03:52:39 +0000

As the economists continue to push their rate cut forecasts further out, it is now distinctly possible we will not see interest rate cuts this calendar year. What does it mean for the property market and your borrowing plans?

In today's show we cover:

The reality of higher-for-longer interest rates
Will commercial property problems spill over into the residential sector
Searching for multi-asset funds outside of super
Getting to know the 'six year' CGT primary residence exemption rule.

Dr Doug Turek of Minchin Moore Private Wealth joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

July 1 tax and super changes - what you need to do

Wed, 03 Apr 2024 21:50:41 +0000

It might be hard to believe but the key numbers for both personal tax and super contributions are going to change again on July 1 2024 - Now is the time to make your plans.
In today’s show, we cover:

How to position for lower personal tax rates
Catching up with planned super contribution changes
Investing based on demographics
Do share market index funds offer diversification any longer?

Financial adviser James Gerrard joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

How Under 35s Can Crack the First Home Market

Mon, 01 Apr 2024 14:00:00 +0000

It's the biggest financial challenge for the new generation - how to get a toehold in the property market.
In today's episode we cover

The first steps towards buying a property
Considering the 'rentvest' strategy
Should super be available to home buyers
Getting to know the '6-year rule' for your home and CGT

John Pidgeon of Solvere Wealth and the This is Money podcast joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Roger Montgomery's Four Stock Picks

Thu, 28 Mar 2024 05:22:58 +0000

The ASX just hit a new record and the markets are on a roll: So what should investors be looking for? AI-themed technology stocks and - believe it or not - consumer discretionary companies, says fund manager Roger Montgomery.

In today's episode, we cover:

Why is the share market on a bull run?
AI hopefuls - Macquarie Technology and Megaport
Consumer favourites - Lovisa Jewellery and ARB
Does Bunnings have too much power?

Fund manager Roger Montgomery of Montgomery Investment Management joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Mythbusting The Promise of Positive Gearing

Tue, 26 Mar 2024 22:07:52 +0000

The promise of the investment property that 'pays for itself' is all too common in the property market and all too difficult to locate in practice. Is positive gearing feasible with high rates and low rental yields?

In today's show we cover:

Positive gearing - The fading prospect
Bad behaviour among buyers advocates
Using Federal and State home buyer grants in tandem
When advice lets you down

Real estate advisor Cate Bakos joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Special Edition: Artificial Intelligence 2024... What's Next For Investors?

Thu, 21 Mar 2024 04:03:47 +0000

In June 2023 we did our first special edition on AI when we introduced the issue and we talked about Nvidia - the AI chipmaker which is up 200 per cent since that time. Today we catch up on AI in mid-2024 with Matt Barrie, the founder and CEO of Freelancer: an executive at the frontline of AI changes.
In this episode we cover:

Why are investment markets so excited over AI?* Threats and opportunities of the new technology
Why Google and Netflix should be very worried
The stocks ready to surf the AI wave

Matt Barrie, the CEO of Freelancer joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Should you always pay down the mortgage first?

Tue, 19 Mar 2024 04:27:50 +0000

For a long time it was a golden rule among financial advisers to pay down your mortgage before any other investment consideration. Well, not any longer…for some investors putting money into super should come first.

In today’s show we cover…

Mortgage payments versus super contributions
Selling a property without using a real estate agent
Should you self insure ?
Playing house with CGT exemptions and negative gearing

Financial adviser Bruce Brammall joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Who's Who On The New Rich List?

Thu, 14 Mar 2024 05:33:49 +0000

The annual Rich 250 has just been released with a whole new crew of debutants pushing the incumbents of previous generations to one side.
In this episode, we cover:

The new network of tycoons emerging across Australia
The crypto king building the most expensive house...ever...in Australia
Two sisters who saved Blundstone boots and made a fortune
The Australian with a $2 billion empire in Estonia

John Stensholt editor of The List - Australia’s Richest 250 joins Wealth Editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Is Melbourne The Most Undervalued City In Australia?

Tue, 12 Mar 2024 02:52:52 +0000

The Victorian capital is the weakest of the major cities and its apartment market has been a loser for more than a decade. But the soft patch can't last forever: The investment fundamentals for the city are strong and long-term investors could do very well looking a little more closely at the Melbourne market.

In today's show, we cover:

Melbourne apartments - 'Be greedy when others are fearful'
How your HECs bill blocks your borrowing capacity
Is over-capitalization over-rated?
The two regional cities that capture the shift outside Syndey and Melbourne

Adviser Stuart Wemyss of ProSolution Private Clients joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

How To Invest Like The Future Fund

Thu, 07 Mar 2024 05:37:38 +0000

The Future Fund's consistently strong returns and its big exposure to so-called 'unlisted assets' have captured the interest of many investors. But, until very recently, most investors could not get access to unlisted assets and were restricted to listed securities such as shares and managed funds. Usefully, things are changing - today we take a serious look at unlisted assets.

In this episode we cover

Introducing the risk spectrum of unlisted assets
Accepting a 5-7 year wait for unlisted returns
Water rights, forestry schemes and new agribusiness opportunities
Why do retirees not pay tax?

Matthew Cassidy of Partners Wealth Group joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Why Are Regional Property Markets Rebounding?

Tue, 05 Mar 2024 04:36:24 +0000

This was not supposed to happen: The regions were meant to return to their secondary position in the residential investment market after COVID-19. Instead, over the last three months, prices rose faster than in the cities and the rental vacancy rates remained tight as hell... what gives?
In today's show, we cover:

The curious case of the regional property bounceback
How the national market is already looking better than last year's forecasts
Are investors in one-bedroom units facing a disadvantage
Navigating property taxes

Property analyst Louis Christoper of SQM Research joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Nvidia : The World’s Hottest Stock and Your Portfolio

Thu, 29 Feb 2024 03:20:11 +0000

Not for the first time a single stock has become the proxy for a red-hot theme: AI and Nvidia are now interchangeable - and the specialist chipmaker has become the world’s top stock. Today we look at the AI boom and the first steps every Australian investor should be taking.
In today’s show, we cover:

The Australian stakeholders inside Nvidia
Playing the AI boom on the ASX
Exploring solar power and EVs* Selling shares without paying tax

Financial advisor James Gerrard joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Cash Crunch: Grabbing The Last Of The 5 Percent Deposit Rates

Tue, 27 Feb 2024 05:54:35 +0000

The consensus view is that interest rates have peaked in this cycle. Banks are already snipping their fixed rate mortgage rates (which is good) while also reducing the rate they pay on cash deposits (which is not so good). It's time to find out what's going on in the finance market.
In today's show, we cover:

The beginning of lower fixed-rate mortgages
Beyond the big four - where to hunt for cash rates
Why the First Home Super Saver scheme is too much trouble
The trouble with SMSF loans

Sally Tindall, head of research at comparison service, RateCity, joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Secrets Of The Rich And Not-So-Famous (Family Office Special)

Thu, 22 Feb 2024 02:51:47 +0000

Family offices are very much the fashion among the nation’s ultra-wealthy: What are they exactly and what might we learn from how they operate?
In today’s show, we cover

The booming business of the family office
Safety in numbers - how the system works
How much do you need to start a family trust?
Fund manager performance fees - an explanation

Jacqui Clarke, author and family office adviser joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

A Rare Opportunity for Buyers in Sydney

Tue, 20 Feb 2024 05:33:11 +0000

Sydney prices have been soft in early 2024: It's not quite a 'buyer's market' but it is as good a time to find value as we have seen in years. Where are the opportunities in the city and which neighbourhoods should we watch?

In today's show we cover:

Taking advantage of a rare lull in the nation's top property market
Excitement builds around Sydney's new airport zone
Why one-bedroomed apartments have limited appeal
What is going on around the future of negative gearing?

Judy Schmidt of Advocate Buyers Agency joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Tackling Tax Threats (Real and Imagined)

Thu, 15 Feb 2024 05:36:15 +0000

In redrawing the plan for personal tax cuts while introducing a tax on unrealised gains in super the government has unleashed a whirlwind of speculation: All tax shelters from negative gearing to CGT discounts are now fair game.
What to do?
In today’s show, we cover

The political brawl on tax and how it affects you
Exploring investment bonds and family trusts
The looming importance of unrealised gains
Struggling with poor service at Big Super

Liam Shorte of Sonas Wealth joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

The Promise of Passive Property Income

Tue, 13 Feb 2024 04:45:47 +0000

Most property investors will aspire to have more than one property: Many in the market suggest strategies that allow an investor to accumulate a 'passive income portfolio' over time. But how do you approach this? What are the risks of running multiple properties? And would future tax changes make a difference?
In today's show, we cover :

Behind the promise of passive property investment * Do you need a buyer's advocate?
Switching a mortgage from the home to an investment
The future of negative gearing
Property educator P.K. Gupta joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Is Taylor Swift A Financial Role Model?

Thu, 08 Feb 2024 05:06:29 +0000

The financial success of singer Taylor Swift is unprecedented: Show business will never be the same again. For millions, she is a champion who outsmarts the music industry at every turn. So is she a role model for younger investors?
In today's show we cover...

The devilishly clever business brain behind the music
How Taylor Swift invests
The role of her dad who is a financial advisor
‘Swiftonomics’ - how it really works

Sociologist Dr Rachel Carroll joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Is Property Set to Drop? The Bear Case

Tue, 06 Feb 2024 04:55:17 +0000

It's time to listen to the other side: Some economists believe house prices are heading south in 2024 as interest rate hikes finally hit home and unemployment rises at the same time.
In this show we cover:

What's behind a forecast drop of 5 per cent in the market?
The tremors signaled by new statistics on 'distressed sales' * Is the tradie shortage still a thing?
Why your house is taking longer to build

Economist Stephen Koukoulas of Market Economics joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

After The Tax Backflip - What To Do Now?

Thu, 01 Feb 2024 05:05:26 +0000

The surprise changes to the planned tax cuts by the Albanese government will fuel political debate for months: But for the pragmatic investor it's a question of how to respond effectively. In today's show, we cover:

Revisiting tax personal tax strategies
If annuities are so good, why are they not popular?
Optimising tax with a non-working partner
Is your home part of your investment portfolio?

Will Hamilton of Hamilton Wealth Management joins wealth editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Negative gearing - The comeback

Tue, 30 Jan 2024 05:41:34 +0000

The conditions have been building for a rebound in negative gearing with climbing interest rates and rising rental yields. Now a surprise reversal in tax relief for upper-income earners means the search for tax deductions is about to begin again.

In today's show, we cover; the startling figures on mortgage stress, how negative gearing just gets better, the Canberra rent freeze and why the split between homeowner and investor lending rates?

Cameron Kusher, research director at REA (a subsidiary of News Corp) joins wealth editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Should You Borrow To Invest?

Thu, 25 Jan 2024 05:54:13 +0000

Australians will borrow to the gills to buy the family home. They will also take big loans to enter the property market, but when it comes to the share market they hold back. Today we look a serious look at ‘leverage’.

In this episode, we cover:

What you need to know about borrowing for investment
If annuities are so sensible why are they not more popular?
How franking credits work* The case for a $2m minimum in self-managed super funds

Dr Sam Wylie of Windlestone Education and Melbourne Business School joins Wealth Editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Stress Testing Property Forecasts

Tue, 23 Jan 2024 04:38:50 +0000

The big banks offered a consensus estimate that capital city house prices would rise by 5.7 percent in 2024. With a rush of negative data since the year began, this week we interrogate those bullish forecasts and see if they can be taken seriously.

In today's show, we cover:

Will gloomy consumers drag property prices lower?
NSW leads the investor rebound
Why one in three immigrants head to Melbourne
The outlook for rental yields

Eliza Owen of the CoreLogic research group joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Your Shares in 2024

Thu, 18 Jan 2024 05:47:03 +0000

The share market beat all expectations in 2023 and what's stopping a repeat performance in 2024? Lots of things actually but then again volatility is the name of the game when your money is at risk on listed markets. Here at the Money Puzzle we just assume a real return of around 9 percent each year and then it's a question of the stock choices you make.

In today's episode, we cover:

The outlook for shares in the next 12 months
Banks and miners - who will make the money?
Healthcare and REITs - two sectors with the wind behind them
Why ETFs always win

Gemma Dale, Director SMSF and investor behaviour at Nabtrade joins wealth editor James Kirby on this week's episode

See omnystudio.com/listener for privacy information.

Sorting out your property plans for 2024

Tue, 16 Jan 2024 04:26:04 +0000

In our first property episode of the year, we look at the very promising outlook for apartments, the improving inflation picture, and the chance that rates might drop.

We also take note of the potential headwinds in the next 12 months - especially the sharp decline in ‘buyer intention’ which has just been reported by Commonwealth Bank.In today’s episode, we cover:

The property fundamentals of 2024
Why Perth could shine and Melbourne may underperform
The reality of current rate settings
Buying a property with friends

Stuart Wemyss of ProSolution joins Wealth Editor James Kirby in today’s episode

See omnystudio.com/listener for privacy information.

Fun Money 4: Creating an art collection

Wed, 10 Jan 2024 22:00:00 +0000

How might you start collecting art?

"If you enjoy it hanging on your wall, then that should be enough," says one of our best-known contemporary art collectors, former China ambassador Geoff Raby. And he should know, he built an art collection worth more than $3 million before donating it to La Trobe University.

In today's episode we cover; finding your own path in the art market, negotiating with art dealers and auction houses, the price you pay to complete a collection and how to store your art collection.

Geoff Raby, economist and company director, joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Fun Money 3: How to become a car collector

Thu, 04 Jan 2024 04:00:00 +0000

Driving a classic car that looks wonderful - and might just make you a small fortune - is something most investors have probably considered at some stage. Today we talk to one of the country's foremost car collectors who operates in the global market and has been in the game since he was a teenager.

In this episode we cover:

How to start collecting cars
Where the bargains are this year
The key factors in selecting a car
How to collect without losing money

Paul Huggins, a director of the Hamilton Chase group joins Wealth Editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Fun Money 2: How to Build a Wine Collection

Wed, 27 Dec 2023 22:00:00 +0000

This is the second in our summer Fun Money series.

There is money to be made and fun to be had collecting wine: But how do you get started?

It's a tricky business finding good wine, storing it, and indeed not drinking it until the right time!

In today's episode, we cover:

How to start a wine collection
Finding the top Australian wines to colle
Getting to know the pricing of top vintages
Maintaining your wine

John Lehmann, managing editor of The Australian and wine connoisseur joins Wealth Editor James Kirby in today's episode

See omnystudio.com/listener for privacy information.

Fun Money 1: Whisky and a Good Book

Wed, 20 Dec 2023 14:00:00 +0000

How about having fun and making money too - it's entirely possible if you become an expert collector of cars, art, wine, rare books...or maybe even whiskey. ((Hey! you can even put them in your Self Managed Super Fund).

Over the next four weeks tune in for a wide-ranging guide to collecting:

In this episode, we kick off with financial adviser James Gerrard and host James Kirby on the first things you need to know

In coming episodes:

How to build a wine collection - with The Australian's John Lehmann
How to create a luxury car collection - with Paul Huggins
Collecting Art - with former China Ambassador Geoff Raby

See omnystudio.com/listener for privacy information.

How to buy a holiday home

Tue, 19 Dec 2023 03:49:20 +0000

A spot by the sea? A place in the country? Can you do it...should you do it? The holiday home as a property investment enters the public imagination around about mid-December each year.

In today’s episode we cover; the difference in buying a holiday home compared to a permanent residence, the biggest mistakes people make, how to locate and settle on a property and the demands of managing a second property.

Jarrod McCabe of Wakelin Property Advisory joins Wealth Editor James Kirby in today's episode

See omnystudio.com/listener for privacy information.

The Smart Way to Buy a Car

Wed, 13 Dec 2023 14:00:00 +0000

So you want that car? The problem is you know very little about it - and certainly not enough to deal with the guy with a devilish grin coming towards you in the showroom.

In today's episode we cover ;

How to approach buying a car
The special circumstance of buying a luxury vehicle
How to behave yourself in the showroom
Rarity and brand power - how to get a car that will improve in price

Madam Wheels (aka Jacquie Hayes) joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Why Sydney beats Melbourne out the door for property investors

Tue, 12 Dec 2023 04:36:36 +0000

Melbourne is growing faster than Sydney. In the next decade, the two cities are expected to draw level in terms of total population. So why is Sydney three times better for property investment returns than the Victorian capital? In today's episode, we cover:

The weakness of the Melbourne property market
Is the foreign investment clampdown anything to worry about?
Using your mortgage to optimize your investing costs
Should you ever retire with a mortgage?

Stuart Wemyss of ProSolution joins Wealth Editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Meet Our Billionaire Families

Thu, 07 Dec 2023 04:41:22 +0000

Who are the families behind Australia’s biggest companies? What are they like and what can we learn from them as investors?
In today’s show, we cover:

Getting to know the Pratts and the Packers
Meet the Millners (who just engineered a $3.5 bn takeover for Perpetual)
The new arrivals in the billionaire set
Extracting more value from Listed Investment Companies

Damon Kitney author of The Fortune Tellers joins Wealth Editor James Kirby in today’s episode

See omnystudio.com/listener for privacy information.

Investors Are Back In The Property Market - Should You Join Them?

Tue, 05 Dec 2023 05:59:52 +0000

There is now hard evidence that investors are back in the residential property market. What's more, they are borrowing faster than owner occupiers and we can expect to see this translated into more demand from investors in the year ahead. What does it mean for the market?
In today's episode, we cover:

The changing dynamics of a hot investment market
Are clearance rates weak? History suggests otherwise
Should taking in lodgers come with tax breaks?
Can I sell half my home to another family member?

Eliza Owen of the CoreLogic group joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Artificial Intelligence : What to do Now ?

Thu, 30 Nov 2023 05:46:15 +0000

We were told AI would take off as the investment theme of the year and it came to pass - that's why the NASDAQ has been about six times better than the ASX 200 in terms of returns this year.
In today's show, we cover:

The next phase of AI for investors
Finding the 'picks and shovels' in the AI boom
Some stocks to consider for 2024
Behind AusSuper's banning of Origin Energy share purchases

Clay Carter, global head of equities at the Halo Technologies group joins Wealth Editor James Kirby in today's episode

See omnystudio.com/listener for privacy information.

Thanks Mum! Thanks Dad! - How the 'Bank of Mum and Dad' Will Underpin a House Rise of 2024

Wed, 29 Nov 2023 01:17:27 +0000

It's one of Australia's biggest banks but we never see any data from it - in fact, we heavily underestimate the role of family finance in helping first-time buyers get started in the property market. But this is a key factor set to underpin yet another lift in house prices in 2024 if the economists have it right.

In today's show, we cover:

The Bank of Mum and Dad
Immigration levels and the rental market
The return of the lodger
What happens to tax losses with the new super tax

Diana Mousina, economist at AMP joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Social Media for Investors - Good or Bad?

Thu, 23 Nov 2023 04:40:22 +0000

Many investors now rely heavily on social media influencers for investment guidance: But who are these operators and do they have your best interests in mind? It's a key question for investors and regulators and the game is evolving very quickly indeed. In today's show, we cover:

The pros and cons of social media investment guidance
How crypto investing through social media is a world within a world
Are you trading enough to fall foul of the tax office?
Balanced portfolios - have the rules changed?

Gemma Dale, head of investor behavior and SMSF at Nabtrade joins Wealth Editor James Kirby on today's episode.

See omnystudio.com/listener for privacy information.

Property price drop in 2024? Not everyone agrees

Tue, 21 Nov 2023 03:09:22 +0000

Australian house prices could see a nationwide fall next year with Sydney leading the downturn on a forecast drop of four per cent, according to property research agency SQM.

But in today's podcast, one of the top buyer's agents on the ground in Sydney reflects wide scepticism in the market over any perceived softening of prices.
In today's episode we cover; the factors that will hold the market up in 2024, rental assistance, tips for renovating on a $1,000 budget and diversifying your property portfolio.
Kitty Parker of Kitty and Miles Buyers Agency joins Wealth Editor James Kirby in this episode

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The 2024 case for bonds

Thu, 16 Nov 2023 04:07:42 +0000

Australian investors kept away from bonds for many years preferring instead ‘bond proxies’ such as the banks and telco fully franked shares. And they did the right thing because bonds have been bad news for the last three years - especially bond ETFs where total returns have let people down. But now the time may be right …for government bonds bought one by one and held to maturity.

In today’s episode we cover; the 2024 appeal of bonds, tax cuts coming, HECs and HELP and whether loans are included in super caps?

Hugh Robertson of Centaur Financial joins Wealth Editor James Kirby in this episode.

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China property buyers are back...and making a difference

Tue, 14 Nov 2023 05:01:54 +0000

For a while, it seemed as if the China buyer - a potentially powerful influence at property auctions -had left the scene. But in recent months Australia has emerged as the number one overseas destination for China-based property investors, even surpassing Canada in terms of activity. In today's show, we look at how the China buyer rebound is changing the market, where are the mortgage stress signals in the bank results and waiting for the interest rate peak.

Pete Wargent of AllenWargent Property Buyers joins Wealth Editor James Kirby in today's episode

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Big Super's plan to offer you financial advice

Thu, 09 Nov 2023 04:40:13 +0000

The nation's super funds will be able to widen the range of financial advice they offer under the new Future of Financial Advice legislation: What does it mean for you?
In today's show we cover; how the market's second biggest fund - ART - plans to expand advice, the reality of super's little known inheritance tax, what is Nick Bolton up to at Magellan and can the ASX withstand the loss of major stocks?

Anne Fuchs, executive general manager at the Australian Retirement Trust joins Wealth Editor James Kirby in today's episode

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Should First Time Property Investors Venture Interstate?

Tue, 07 Nov 2023 05:46:40 +0000

Everyone likes to think they know their own neighborhood: As a result ‘home bias’ is a major issue among property investors. For first-time investors the issue is acute: The first steps into property would be even more daunting if the investment was in a distant city. But staying at home - especially in Melbourne - may just mean missing the best opportunities.

In today’s show, we cover :

Making sure you are not being dudded by the body corporate
Buying interstate - the pros and cons
A cool response to making changes on Capital Gains Tax
Where are exiting property investors putting their funds?

James Gerrard of www.financialadviser.com.au joins Wealth Editor James Kirby

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Thinking of Spending Your Inheritance in Advance? Stop Right There

Thu, 02 Nov 2023 05:53:01 +0000

We are on the cusp of the biggest handover of wealth in the history of the nation: A wall of money- estimated at $3.5 trillion - from both wills and super is about to transfer to the next generation. In Australia, we don't have an inheritance tax (though we do have an effective tax of 17 percent on money inherited through Super). With everyone living longer and the age of inheritance moving ever higher, the issue of 'impatience' is building with some investors not just anticipating future income but actively mortgaging their inheritance...it's a very bad idea. In today's show explain why... and also look at:

The rules of inheritance for all generations
How to lower the tax due on super inheritance
Ozempic's health and investment outcomes
Super statistics for women

Jacqui Clarke of Maxima Private joins Wealth Editor James Kirby in this episode

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Could CGT changes unlock the housing market?

Tue, 31 Oct 2023 05:18:55 +0000

The housing market is in a state of paralysis. Renters can’t find accommodation yet investors are moving their money out. There must be a way to revive the market for all concerned. In today’s show we examine a simple change to Capital Gains Tax that could breathe new life into this moribund market. Better still, such a tax change would not require cross-border agreement from the states and there is already a precedent tax rule in place since the days of the Howard government.

In this episode we cover; expanding the CGT discount for long term investors, applying the small business retirement exemption rules to property owners and whether you should buy in a city you don’t know.

Stuart Wemyss of ProSolution joins Wealth Editor James Kirby in the episode

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The Ozempic Effect - How the Wonderdrug is Hitting the ASX

Thu, 26 Oct 2023 04:45:25 +0000

Ozempic is causing a sensation in the health industry: Originally a weight loss treatment, it is now clear the so-called GLP-1 drug can have positive effects on other health conditions such as diabetes. But for Australian investors, it means a string of household favorite stocks such as CSL and ResMed have been hit hard. Today we look at whether the 'Ozempic-sell off' may just be a rare opportunity to get into blue chips at a discount.
In this episode we cover whether the market impact of Ozempic is overstated, the high cost of your big dividends, the sorry tale of shares that go to zero, and will fewer workers mean less goes into super?
Shareplicity author Danielle Ecuyer joins Wealth Editor James Kirby in today's episode

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Home equity: It's your money...use it!

Tue, 24 Oct 2023 05:52:17 +0000

Across Australia home prices have lifted higher than anyone might have reasonably expected: it means millions of Australians have financial power locked up in their homes. Accessing home equity is one of the few ways the average investor can get to finance extra investments or settle financial emergencies without having to pay exorbitant credit card rates. In today's show we cover; how to use the equity in your home, how to compare market lending rates and do listed property trusts offer true diversification?

Anthony Keane, personal finance writer at News Corporation joins wealth editor James Kirby in this episode

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Family Trusts - Not Off The Hook Just Yet

Thu, 19 Oct 2023 04:22:00 +0000

The legal structure around family trusts in Australia has just survived a double stress test in the courts where the ATO tried to make changes in the personal use of some assets: The case has now been turned away for a second time on appeal and for now the coast is clear. Is a family trust worth exploring? Can we assume the legal structure widely used by business owners, farmers, and wealthy investors is now secure?
In today's episode, we cover:

Family Trusts - what you need to know
Capital Gains Tax and super
Risk-taking in your own name
Are private credit offerings as good as they seem?

Will Hamilton of Hamilton Wealth Partners joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

The property opportunity in your back garden

Tue, 17 Oct 2023 04:21:44 +0000

With a rental shortage across the major cities, new research has revealed there are more than 600,000 spots across urban Australia where owners could install a residential unit such as a 'granny flat'. At a stroke, such a change would change the dynamics of the market - not to mention the household income of many Australians struggling to come to terms with the reality of the current market. In today's show we cover; the powerful potential of the 'granny flat', rules and regulations around independent living units, and why property owners are quitting Victoria.

Tim Lawless, research director of CoreLogic joins Wealth Editor James Kirby in this episode

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How to prepare for new super tax

Thu, 12 Oct 2023 04:39:54 +0000

The government has finally outlined the details of the new super tax and it will hit many more investors than forecast initially. In particular the effective 30 per cent tax on amounts above $3 million will hit middle-income property investors where the bulk of the assumed value of their super fund may be taken up with an investment mortgage. In today’s show we cover; ‘T bill and chill’ - is cash and fixed income good enough now, three bad years in a row for bond ETFs, cashing out annual leave and the best way to deal with the plan for higher super tax.

Adviser Doug Turek of Minchin Moore Private is Wealth Editor James Kirby’s guest in this episode

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Why rents will stay high for years

Tue, 10 Oct 2023 06:33:35 +0000

This year’s immigration intake means a city the size of Newcastle has effectively arrived looking for accommodation within the nation’s existing housing stock - and it’s the key reason rental incomes are soaring and vacancy rates are close to one per cent. Moreover, there is very little to suggest the scenario of demand greatly outweighing supply will change over the next three years.

In today’s show we cover; the very strong outlook for rental investment property, why house prices can keep rising moderately from here, rock bottom home ownership levels for younger Australians and is Hobart set to slip from Australia’s fourth most expensive city.

Saul Eslake of Corinna Economic Advisory joins Wealth Editor James Kirby on today’s episode

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Twiggy Forrest, Escalante, Moving and Shaking

Thu, 05 Oct 2023 03:24:55 +0000

Andrew “Twiggy” Forrest’s moves into renewables and Laurence Escalante’s VGW gaming empire are interesting insights into where some of the wealthiest names in business are seeing the future. Should you follow them? Would you invest? Plus Bruce Mathieson on Endeavour and Alex Waislitz’s foresight on interest rates.

In today's show, we also cover:

SMSFs v APRA funds and how CGT impacts your final super balance.
Will Baby Boomers retirement see our nation’s super-pot start to reduce?
Non-concessional super contributions and tax
Will BRIC’s expansion bring about the death of the US dollar?

Bruce Brammall, financial adviser at Bruce Brammall Financial (www.brucebrammallfinancial.com.au ), was this week’s host of The Money Puzzle and was joined by John Stensholt, Richest 250 List editor at The Australian.

See omnystudio.com/listener for privacy information.

Does Airbnb still make sense with the new 7.5% income tax?

Tue, 03 Oct 2023 05:13:39 +0000

Victoria is the first Australian state to legislate a levy on revenue generated from short term accommodation platforms such as Airbnb and Stayz. The 7.5 per cent levy will commence from 1 January 2025 as is an attempt to tackle the ongoing rental crisis, which many politicians blame on the rise in popularity of short term letting platforms such as Airbnb. Although Victoria will be the first to implement an 'Airbnb tax', other states have already flagged their intention to review, and most likely implement a similar system.

In today's show, we cover; whether this is fair or another case of government meddling, if it still makes sense to rent a property on a short term basis, tips and tricks for prospective owners of Airbnb properties, and when is the 'right' time to pay down investment property debt?

Quirin Schwaighofer, co-founder of short term accommodation management company MadeComfy, joins James Gerrard founder of www.financialadvisor.com.au on today's show.

See omnystudio.com/listener for privacy information.

Uranium Providing Glowing Returns for Investors

Thu, 28 Sep 2023 06:28:42 +0000

Uranium exchange-traded funds have increased 20 percent in value over the past month and are up 50 percent over the past 6 months, making uranium a standout metal commodity for 2023. Given that Australia is not pro-nuclear power, it is easy to forget about uranium in an investment portfolio. However, Australia has around a quarter of the world's uranium deposits and several strong uranium mining, exploration, development and production companies on the ASX .

We discuss the opportunity with uranium, discuss whether investors have missed the boat and look at the long-term thematics of uranium and how investors can potentially position it in their portfolios.

In today's show, we also cover
* How the China property market woes will affect Australia
* What to do when bond yields eventually stop rising
* Pros and cons of using a no frills accountant for your super fund
* Why did the RBA have to raise interest rates to reduce inflation?

Betashares chief economist David Bassanese joins James Gerrard founder of www.financialadvisor.com.au on today's show

See omnystudio.com/listener for privacy information.

How To Manage Property Investments - Property Basics No.4

Tue, 26 Sep 2023 05:05:45 +0000

How do you successfully manage a property - or a string of properties? There are multiple risks and pitfalls in running a portfolio, but with a little forward planning you can optimise your assets. In today's show we cover; whether to manage property by yourself or with a professional, dealing with a body corporate, assembling a team of professionals, and the secrets of buying interstate.

Stuart Wemyss of ProSolution Private Clients joins Wealth Editor James Kirby for this special series episode.

See omnystudio.com/listener for privacy information.

Top Advisers List Edition - How To Find A Financial Adviser

Wed, 20 Sep 2023 15:00:00 +0000

The Australian publishes its annual Top Financial Advisors list this week - and it's the perfect time to find out how to select a financial adviser. In today's show we cover; how to choose a financial adviser, how much should you expect to pay, is there a way to sidestep rogue operators, and what you should expect from a top-end adviser.

Sarah Abood, Chief Executive of the Financial Planners Association of Australia, joins James Kirby, Wealth Editor of The Australian, on today's episode.

See omnystudio.com/listener for privacy information.

How To Find A Home Loan - Property Basics No.3

Tue, 19 Sep 2023 04:00:00 +0000

How do you choose a home loan? What's on the menu...and how on earth do you pick the package that is best for you? In today's show we cover; how to get a basic home loan, selecting between fixed and variable, offsets and interest-only, and moving beyond the 'Big Four' banks.

Sally Tindall the Research Director at comparison service RateCity joins Wealth Editor James Kirby for this special series episode.

See omnystudio.com/listener for privacy information.

How to Build a Share Portfolio Like a Professional Wealth Manager

Thu, 14 Sep 2023 06:10:32 +0000

In the past share market investors built their portfolios with individual stocks with a bias toward bluechip banking and mining companies. But today with so many low-cost ETFs available, there has been an evolution in professional portfolio construction with a move towards an ETF-based core/satellite approach.

The core component targets the average share market return through low-cost ETFs while the satellite component tries to outperform the market with 5 to 10-year themes. We cover how many ETFs to include, which ETFs to consider, and when to review, adjust and sell.

In today's show, we also cover: proposed changes to tax in superannuation and capital gains, how the EV Discount Bill can result in a 47 percent tax deduction on your car, how to reduce the interest rate on your SMSF loan and should 'equal weight' ETFs be considered in a portfolio?

Accountant Timothy Ricardo from Bishop Collins Chartered Accountants joins James Gerrard founder of www.financialadvisor.com.au on today's show

See omnystudio.com/listener for privacy information.

How To Sell A Property - Property Basics No.2

Tue, 12 Sep 2023 04:33:04 +0000

How do you sell a property? What are the essential moves to make to ensure you get the best deal for your home or investment? The choices have multiplied in recent years: Should you auction? Should you have an ‘expression of interest’ campaign? Do you really need a ‘stylist’?

In today’s show we cover; how to choose a real estate agent, how to choose a method of sale, preparing your property, and timing your sale.

Jarrod McCabe of Wakelin Property Advisory joins Wealth Editor James Kirby for this special series episode.

See omnystudio.com/listener for privacy information.

The low-flying kangaroo – Qantas’ death spiral?

Thu, 07 Sep 2023 04:44:30 +0000

Qantas is more than just an airline to Australians. But the way shareholders see the airline has diverged considerably from how customers do. That has now cost the airline its previously well-respected CEO, and seen the aviation business lodge plans to change its flight path.

In today's show, we also cover; interest rates, what to make of industry funds’ shift to offering indexed investment options, Newcrest’s takeover and holding foreign stock, and what the tax difference is between industry fund v SMSF.

Bruce Brammall, financial adviser at Bruce Brammall Financial, was this week’s host of The Money Puzzle and was joined by Eric Johnstone, associate editor, business, at The Australian.

See omnystudio.com/listener for privacy information.

How To Buy A Property - Property Basics No.1

Tue, 05 Sep 2023 03:17:33 +0000

Buying a property? What are the first steps? What are the pitfalls? It's never easy whether you are buying a first home or adding another asset to your investment portfolio: But there are some basics everyone should know...

In today's show, we cover: How to select a property, why private sales are your best option, assessing real estate agent jargon, and the vexed issue of your dollar limit.

Kitty Parker of the Kitty and Miles buyer's agency is wealth editor James Kirby's guest for this special series episode.

See omnystudio.com/listener for privacy information.

Your guide to the super fund performance tests

Thu, 31 Aug 2023 03:47:43 +0000

The expanded performance tests for super from the government set a new milestone in our investment market: Just about every investor in Australia has super savings and now we can see clearly if it is being managed well or not. Nearly one in ten funds failed: Is your fund one of them? In today's episode, we cover: how to make the best out of the super performance tests, using the my.gov website to see how your fund scored, stage three tax cuts and franked dividends, and investing for tax concessions.

Will Hamilton of Hamilton Wealth Management joins Wealth Editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Do Property Investors Need Financial Advisors

Tue, 29 Aug 2023 05:50:51 +0000

Active property investors are very often the same people who steer clear of shares and managed funds. At the same time, many advisors are heavily committed to shares and funds with little expertise when it comes to direct property: What to do?

In today's show, we cover: Financial advice for the property investor, the common mistake advisers make in property, investing in Australian property if you live overseas and offset account money and negative gearing
Financial adviser James Gerrard of www.financialadvisor.com.au joins Wealth Editor James Kirby on today's show

See omnystudio.com/listener for privacy information.

The no-brainer income opportunity

Thu, 24 Aug 2023 06:09:11 +0000

Here's the puzzle: Should you depend on shares or cash for income? Well, your risky return from the ASX is represented by an average dividend yield of just over 4 percent. Meanwhile, with a cash term deposit, you can still get a 5 percent rate - government guaranteed - it just might be the deal of the decade, know it when you see it.
In today's show, we cover: The last of the best of the term deposit deals? How to play thematic exchange-traded funds, shared equity home loans and when investment bonds make sense.
Liam Shorte of the Sonas Wealth group is Wealth Editor James Kirby's guest on this episode

See omnystudio.com/listener for privacy information.

Looking to borrow for property? Listen up

Tue, 22 Aug 2023 06:41:22 +0000

As the residential property sector stabilizes, the banks have been playing some games in the lending market - if you are borrowing for a home or an investment you need to know what's going on. In today's episode, we cover: why interest-only borrowers are being punished, how can banks offer more than the RBA for deposits, why home loan borrowers are fixing again and the bias against retirees in the lending system.

Steve Mickenbecker, chief commentator at Canstar, joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Unlisted Trusts: Why would you bother?

Thu, 17 Aug 2023 03:58:25 +0000

The fashion for alternative unlisted investments is getting a reality check as investors can get a risk-free cash rate of more than four per cent. The biggest cloud over the sector, so far, is the redemption refusals popping up at major unlisted property funds. So what does it mean for investors? In today's episode, we cover: the big fat problem with unlisted assets, how to optimising super concessional contributions and the dreaded US withholding rate for Aussie investors.

Tim Mackay of the Quantum Financial group is wealth editor James Kirby's guest in this episode.

See omnystudio.com/listener for privacy information.

Taking Stock of the Tiny House movement

Tue, 15 Aug 2023 06:08:18 +0000

Tiny houses are popping up all over Australia yet the movement remains a mystery to many in the property sector. These hybrid mobile dwellings cost around the same as a deposit on an average house. No wonder they are popular among a broad range of investors from first home buyers to holidaymakers: So how does it all work and would it suit you? In today's episode, we cover: the pros, cons and legal limitations of a 'tiny house', running a tiny house as an investment, how to buy and sell your tiny house and why it's not for everyone.

Christine Murphy of the Lets Talk Tiny Houses podcast is Wealth Editor James Kirby's guest in this episode

See omnystudio.com/listener for privacy information.

The Black Spot in Super You Need to Know

Thu, 10 Aug 2023 05:09:01 +0000

Life insurance is a big expense and most smart investors save money by purchasing it through their super fund. But the track record of big super funds in getting around to sending through insurance payout is woeful. Worse still, big funds will often ignore your wishes on where they send the money.
In today's show, we cover: insurance failings in big super funds, class action payouts, getting to know the Australian Financial Complaints Authority and the auditor problem in SMSFs.
Fiona Halsey of Halsey Legal Services joins Wealth Editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

How Industrial Property Became The Hot Spot In The Property Market

Tue, 08 Aug 2023 07:38:10 +0000

Residential property isn't the only sector with exceptionally tight vacancy rates. Industrial property - warehouses and factory units at the edge of every city - has become one of the hottest parts of the market. But why has it boomed, and how should everyday investors approach this investment area?

In today's show, we cover: how online retail changed the shape of the property market, the reason industrial property is outperforming and how deep the problems in the office sector are.

Charlie Buxton, CEO of the Cadence Property Group, is Wealth Editor James Kirby's guest in this episode.

See omnystudio.com/listener for privacy information.

Artificial Intelligence: The Best-Placed ASX Stock

Thu, 03 Aug 2023 07:02:12 +0000

The excitement around AI has fuelled the 'magnificent seven' tech stocks on Wall Street and underpinned the 20 percent year-to-date return on Wall Street: But which Australian listed stock could be the champion for Australian Investors

In today's show, we cover: the AI contenders on the ASX, will CSL recover? The best and worst of Exchange Traded Funds and gearing into shares.
Rudi Filapek-Vandyck, editor of the research investment service FNArena.com joins Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Commercial property - is it for you?

Tue, 01 Aug 2023 06:39:17 +0000

Investing in retail shops or industrial warehousing is a different ball game than buying the house around the corner. Longer leases and higher yields make this area attractive, but it's a lot more work upfront.

In today's show, we take a first-time look at this sector and cover: What is the minimum entry point for commercial property? The key concern with commercial tenants, where the bargains are in 2023, and the ideal investment vehicle for your first venture.
Buyer's agent and founder of Revolve Commercial Property, Mish Daniel, is Wealth Editor James Kirby's guest in this episode

See omnystudio.com/listener for privacy information.

The Most Promising Sector in the Share Market

Thu, 27 Jul 2023 06:50:10 +0000

It's been a better-than-expected year for the share market - especially on Wall Street. But where does it go from here?

What is the one area of the global market set to catch up with the AI-driven 'magnificent seven' stocks that have underpinned the money made so far in 2023?In today's show, we cover: The global share market rebound, the dangers in chasing alternatives, why banks frown on share market portfolios as collateral, and inheritance tax in super.
Will Hamilton of Hamilton Wealth Partners is Wealth Editor James Kirby's guest in this episode

See omnystudio.com/listener for privacy information.

Buying Property With A Mate: Should You?

Tue, 25 Jul 2023 06:07:37 +0000

Perhaps you cannot afford a first property, but if you combined with a mate it might be possible. In today's podcast, a question from a 21-year-old listener who wants to buy in partnership with a friend gets the thumbs up. In fact, the government has recently moved to make it easier for mates to buy together by allowing 'joint' applications for the popular First Home Guarantee Scheme. In today's episode, we also cover: the most promising region for investors nationwide, what would a market with 'rent controls' look like? And the mixed data on whether home prices are softening.
Nerida Conisbee, chief economist at the Ray White Group is Wealth Editor James Kirby's guest in this episode.

See omnystudio.com/listener for privacy information.

Alternative Investments - How Much Can You Afford to Lose?

Thu, 20 Jul 2023 04:44:31 +0000

Big super funds and high net worth investors are ever more keen on 'alternative investments' but are they for you? One of the nation's top female financial advisers certainly does not think so.
In today's episode we cover: sticking with a financial plan through thick and thin, the fact that the very rich can risk a lot on alternatives - but can you? Why defined benefit pension funds are 'gold' and bonds versus term deposits.
Sally Huynh of Shadforth Financial Group is Wealth Editor James Kirby's guest in this episode.

See omnystudio.com/listener for privacy information.

Is the Commercial Property Scare An Opportunity?

Tue, 18 Jul 2023 06:36:44 +0000

The reckoning for office property values has finally arrived in the Australian market, a long time after they first hit the US - where listed values are now rebounding. As the first reports of ‘limited redemptions’ at office-based unlisted property trusts hit the local sector, investors might reasonably expect this downturn in valuations will pass - indeed the funds might be catching up on formalising valuations that have dipped and are ready to recover.

In today’s show, we cover: Freeze-frame - reality bites for unlisted property valuations, why property prices and interest rates can rise at the same time, should we worry about a double-dip for the residential market and using the First Home Super Saver Scheme to buy a home

Chris Bedingfield of global real estate investors, Quay Global Investors is Wealth Editor James Kirby’s guest in this episode

See omnystudio.com/listener for privacy information.

Whatever Happened to the Superannuation Disruptors?

Thu, 13 Jul 2023 04:20:41 +0000

For a short while it looked like the leviathans of the Australian super industry were facing a new breed of challengers.

Start-up youth-focused super funds such as Spaceship rattled the sector with ‘green’ style products, social media marketing, and clear support from a younger demographic.

But the challengers have faded - they could not match the performance or services offered by big super. Will there ever be a successful super disruptor?

How about a US$7 trillion non-profit global fund that’s just beginning to make some headway?

Find out more in this week’s episode when we cover: the false dawn of super disruptors, the titan that could yet shake the market, the unlisted assets in big super, and doing your own super contributions.

Andy Darroch of Independent Wealth Advice joins The Australian’s Wealth Editor James Kirby in this episode

See omnystudio.com/listener for privacy information.

Why 'cheaper to buy than rent' suburbs are everywhere

Tue, 11 Jul 2023 04:43:06 +0000

You might have thought that the endless escalation of mortgage rates would finish the notion of a suburb where buying was cheaper than renting.Not so.There are at least 40 suburbs around the nation that are both cheap and offer strong prospects for the home owner or investor.

Terry Ryder of the Hotspotting group is Wealth Editor, James Kirby's guest in this episode.

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Why the Share Market’s 'Value Versus Growth' Debate is ‘Rubbish’

Thu, 06 Jul 2023 03:46:09 +0000

This year was meant to be all about ‘value’ on the share market: Rising rates were expected to hose down the demand for tech-focused growth stocks and boring old value stocks were meant to shine.

It didn't happen.

‘Because’, says top adviser Charlie Viola, ‘ the whole debate is rubbish, good companies make good investments that’s all there is to it, ‘

Sounds simple. Moreover, it sounds true. We cover: what happened to the long-promised return of value stocks? The need to take some money off the table in the months ahead, timing super contributions and should bank hybrids be classified as shares?

Charlie Viola, managing director of Pitcher Partners joins Wealth Editor James Kirby on today’s episode

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Renovators Delight - The Properties Nobody Wants

Tue, 04 Jul 2023 06:10:13 +0000

The residential market in 2023 is most unusual - prices are rising while interest rates are increasing; Up to a third of buyers don't need a mortgage and...nobody wants to do any renovation work! The blow-out in building costs, supply difficulties and sluggish response times from some local councils have combined to create a market where the perfect property is perfectly ready to inhabit, But for those willing to take the plunge and renovate the rewards may be lucrative.

Dean Berman of Berman Buys is Wealth Editor James Kirby's guest in this episode.

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

See omnystudio.com/listener for privacy information.

The Biggest Tax Break of the New Financial Year

Thu, 29 Jun 2023 03:53:48 +0000

The new financial year begins on July 1 and a range of key 'caps' come into play. But the outstanding item of personal tax news is that you can have an extra $200,000 in super tax-free: Yes, if you are fortunate enough to be in the upper band of super investors then the amount you can have in super where the is no tax on earnings is moving up from $1.7m to $1.9m: Who said inflation is bad news for everyone.

We cover why your super contributions are rising - whether you like it or not, the generous lift in the tax-free super threshold, saying goodbye to pandemic-era drawdown rates for older Australians, and how to become a financial adviser.

Financial adviser James Gerrard of www.financiladviser.com.au joins Wealth Editor James Kirby in this episode.

See omnystudio.com/listener for privacy information.

Why one in four property buyers don't care about interest rates

Tue, 27 Jun 2023 06:03:53 +0000

You might think higher rates keep buyers away from the property market but a remarkable 25 percent of purchasers buy outright - with no mortgage! It’s a remarkable statistic and offers an insight into a unique feature of today’s real estate market: Aging downsizers combined with freshly made fortunes from offshore underpin a considerable amount of the demand in the residential sector.

Michael Matusik of Matusik Property Insight is Wealth Editor James Kitby’s guest in this week’s episode

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Artificial Intelligence Special Edition - Don’t Miss It!

Fri, 23 Jun 2023 03:11:52 +0000

The excitement around artificial intelligence has propelled the US sharemarket this year. That’s why returns stateside are three times better than the ASX over recent months. So what’s going on with AI and what does it mean for you?
We cover the investment opportunity of AI, whether this is going to be a dot.com boom, when to expect the first AI billionaires and how healthcare and financial advice will change.

Dudley Nevill-Spencer of the London-based Live and Breathe group is Wealth Editor James Kirby’s guest in this episode.

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Do 400,000 new arrivals change the property market? (you bet they do)

Tue, 20 Jun 2023 06:10:21 +0000

The biggest factor ‘new’ factor in the property sector is the remarkable change we will see from the arrival of 400,000 people into a market population growth had been close to zero.

But will the demand lift that comes from a population burst be enough to counter a consumer slowdown or even a full- blown recession?

Tim Toohey, strategist and chief economist at Yarra Capital is Wealth Editor James Kirby’s guest in this episode.

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The Biggest Money Mistake That couples make

Thu, 15 Jun 2023 05:02:49 +0000

Leave the investment to me, darling! It’s still a refrain in household finances and letting one person handle all money matters is the single biggest mistake couple make, says author Jacqui Clarke.

As an advisor to some of Australia’s wealthiest families, Clarke knows a thing or two about how individuals can lose when it comes to family fortunes: In today’s episode she spells out the life lessons everyone needs to know.

We cover, how to manage household wealth in everyone’s interest, the attractions of pooling money for couples, building your own ‘village’ of wealth consultants and making sense of ‘buy’ recommendations from stockbrokers.

Jacqui Clarke, author of “Stop Worrying about Money’ joins Wealth Editor James Kirby in this episode.

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How you can use your Super to play the property rebound

Tue, 13 Jun 2023 06:45:21 +0000

They don't make it easy, but any investor can directly enter the property investment market using their super. In fact, any investor with a Self Managed Super Fund can borrow to buy investment property as part of a wider diversified portfolio. Gemma Dale, Director of SMSF and investor behaviour at NAB Trade is Wealth Editor, James Kirby's guest in this episode.

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Is it Time to Take Money From Super to Pay Part of Your Home Loan?

Thu, 08 Jun 2023 06:15:56 +0000

In this week's show, we talk about whether the Australian share market is likely to finish the year in the black. We also discuss ways that investors can jump on the electric vehicle boom by investing in certain stocks and ETFs.

And with interest rates rising for the 12th time in 14 months, is it time to take money out of super to pay down your home loan? We also look at the new 30 percent super tax above $3M, the devil is in the detail with an unexpected sting in the tail for those with large super balances.

Stockbroker Chris Macdonald joins financial planner James Gerrard on this week's episode

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From the Auction Frontline

Tue, 06 Jun 2023 07:08:02 +0000

What's the temperature in the market at the moment? How are the Saturday mornings for the buyers, sellers and even the auctioneers? With clearance rates lifting, are we being misled or is caution the smart money?

Jarrod McCabe from Wakelin Property Advisory joins Wealth Editor James Kirby's guest in this episode.

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

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How to Invest Like Taylor Swift (No Kidding)

Thu, 01 Jun 2023 03:55:15 +0000

We're talking about how to tackle inflation as an active investor. We also deal with a question on discounted Listed Investment Companies which - believe it or not - leads us towards the Taylor Swift school of investing. It turns out Taylor takes tips from her ex-Merrill Lynch stockbroker dad, Scott - and she seeks out discounted closed-end mutual funds. The ASX version of this investment is discounted LICs - but are they for you?
We also cover: Optimising your cash to tackle inflation, gearing at a time of high-interest rates, and getting to the bottom of family trusts.

Financial adviser Bruce Brammal joins The Australian's Wealth Editor James Kirby on this week's episode.

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Why investors should pay a lower rate than home loan borrowers

Tue, 30 May 2023 05:56:50 +0000

Investors pay a higher mortgage rate than home loan borrowers. However, this was not always the case – and there is now a solid argument to suggest that investors should pay less. In reality, the repayment statistics for investors are better than the same numbers for homeowners – but investors get no reward for their better performance.

Cameron Kusher, Executive Director - Economics, at REA Group joins Wealth Editor James Kirby's guest in this episode.

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

See omnystudio.com/listener for privacy information.

How about lending instead of borrowing?

Thu, 25 May 2023 03:57:08 +0000

As the sharemarket drifts, investors are looking to ‘alternatives’ for returns: One of the most dependable alternative income investments is ‘secured mortgages’ where you get a high rate of return underpinned by property projects: This week we fish in a new income stream that is worth exploring for the everyday investor.

We also cover: Artificial Intelligence - who will be the losers? Investing in shares for children, Should you worry about big super’s unlisted assets? And speculating on future rate movements.

James Gerrard of www.financialadviser.com.au is Wealth Editor James Kirby’s guest on this episode of The Money Puzzle

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Why this property upturn will be very different

Tue, 23 May 2023 05:32:29 +0000

The capacity to borrow will be the big difference in the next upward cycle of residential real estate prices. Property investors might be familiar with the challenges around locating and managing a successful property, but an entire generation of investors has never faced operating in a high-interest rate environment.

Stuart Wemyss of the ProSolution group is Wealth Editor James Kirby's guest on this episode of The Money Puzzle.

Submit your questions on all things property, business and finance here - themoneypuzzle@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Bad For Landlords. Bad For Renters -Property Paradox

Thu, 18 May 2023 04:07:37 +0000

As housing affordability bites hard and the rent crisis continues, many landlords are as frustrated as their tenants with the long-term realities of the property market: Could it work better and what would it take to move the dial?

In this episode we discuss the case for wholistic tax reform, Dr Monique Ryan's mortgage, how the Teals are working on a new tax blueprint, super changes and whether the $3m cap will be the last 'adjustment'?

Dr Monique Ryan, the 'teal' member for Kooyong, Melbourne is Wealth Editor James Kirby's guest on this week's show.

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Budget Special

Thu, 11 May 2023 05:47:27 +0000

The Albanese government's first 'May Budget' elevates the risk of higher inflation and higher rates - it also signals further strong returns for miners and building stocks.
In this week's episode, we cover the hits and misses of Budget 2023, the outlook for your super, whether family trusts are in the gun and the next building boom
Will Hamilton of Hamilton Wealth Partners is Wealth Editor James Kirby's guest on this week's show

See omnystudio.com/listener for privacy information.

Is a self managed super fund for you?

Thu, 04 May 2023 04:18:45 +0000

Self Managed Super Funds are often associated with the very wealthy who have millions to spend, but new figures show the median amount for new SMSFs is $260,000.

In this week's episode, we cover the advantages of an SMSF, why the sector isn't growing very fast, explore SMSFs to include the whole family and the latest planned changes in super.
Meg Heffron of Heffron SMSF Solutions is Wealth Editor James Kirby's guest on this week's show

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Why Aussie Small Cap Stocks Are Ready To Rebound

Thu, 27 Apr 2023 05:36:28 +0000

Value investor Roger Montgomery is associated with blue chip companies, but that does not mean he looks exclusively at 'large caps': In fact, Montgomery says the small-cap selection on the ASX is emerging from the pandemic ready to beat all rivals.

We cover - a green light for small caps, the dangers of 'over contributing' to super, why the ASX is reasonable value just now and whether we should worry about US banks.

Roger Montgomery of Montgomery Investment Management is Wealth Editor James Kirby's guest on this week's show

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Why Impact Investing Is Ready To Go Mainstream

Thu, 20 Apr 2023 04:01:34 +0000

Impact investing, where investors actively create ethical outcomes, has been growing steadily but the Albanese government's 'reconvening' of a task force on the issue is set to create a breakthrough. It's a great area... but can you make money from it?
Today we're getting to know impact investing, learning how 'Goodstart Childcare' changed Australia, finding out who might invest here and why? and looking at 'big capital' the plan for an Australian impact investment powerhouse.
Michael Traill, impact investing leader is Wealth Editor James Kirby's guest on this week's episode

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Buyer's Advocates: Should You Bother?

Thu, 13 Apr 2023 03:35:58 +0000

Would you be better at a hotly contested auction than a buyer's advocate? How do they work and what do they charge?
In today's show we cover how buyer's advocates operate and whether paying a fee or commission is better, we discuss whether local councils be dropping rates by now. And the debate over banning foreign buyers.
Kitty Parker, buyer's advocate at Kitty and Miles Ltd is Wealth Editor James Kirby's guest on this week's show.

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The Millionaire Next Door

Thu, 06 Apr 2023 05:37:24 +0000

This week we ask how will the new super changes work? And we meet a real-life 'millionaire next door’ (Australian style). Plus, we get to grips with new super tax changes, discuss borrowing for shares at mortgage rates and how Australian shares are falling behind Wall Street again.

Questions for the podcast are always welcome to moneycafe@theaustralian.com.au

James Gerrard of www.financialadvisor.com.au is wealth editor James Kirby‘s guest on this week’s show

See omnystudio.com/listener for privacy information.

What About My Bank Stocks?

Thu, 30 Mar 2023 05:58:07 +0000

The credit markets have been shaken by the dual troubles of US and European banks. Crucially, the Credit Suisse rescue involved bondholders taking a rare ‘haircut’. What does it all mean for investors?

In this week’s Money Cafe, we cover the fallout from the bank crisis and whether the affair will trouble Australian bank shareholders? What are the issues for bank hybrids? And just who needs secretive Swiss banks anyway?

Questions always welcome for the podcast to moneycafe@theaustralian.com.au

Financial adviser Doug Turek of Minchin Moore is Wealth editor James Kirby’s guest this week.

See omnystudio.com/listener for privacy information.

The lowdown on the high flyers of the Rich 250

Thu, 23 Mar 2023 02:06:28 +0000

The old guard are back - with a vengeance - miners, paper manufacturers and property developers regain a grip on the Rich 250 in 2023, Still, as the tech titans struggle (in relative terms!) the list has some very interesting new arrivals including the Zimmerman sisters who have built a global fashion retailing empire.
In this week's show, we cover the traits that push people to the top of the Rich 250, the fund manager who says yoga and meditation make for a better investor, philanthropy among billionaires and we ask: are the super-rich happy ?
John Stensholt, editor of The Rich 250 joins wealth editor James Kirby on this week's show

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Talking housing with NSW Premier Dominic Perrottet

Thu, 16 Mar 2023 07:08:37 +0000

In this special edition of Money Cafe we cover whether Sydney will be the first city to have a house price rebound, solving the rental crisis, the long-term economics of home ownership and why NSW premier Dominic Perrottet believes his Future Fund - where the state government will annually co-fund contributions to give kids a headstart for housing or education - may be picked up in other states across Australia.

Wealth Editor James Kirby's guest on this week's show is NSW Premier Dominic Perrottet

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Everything You Need to Know on the Super Changes

Thu, 09 Mar 2023 02:58:20 +0000

What just happened in super? Is this about the 86,000 super investors above $3m - or is it the start of a new regime which will change how super works for a whole generation? Wealth Editor James Kirby's guest this week is Tim Mackay of Quantum Financial.

See omnystudio.com/listener for privacy information.

Time for 'Big Super' to Bankroll Financial Literacy

Thu, 02 Mar 2023 02:30:17 +0000

Industry super funds are the outright winners in the super system. The funds have thrived on the back of a simple law - every worker must put one dollar in ten they make into super. Yet, surveys show Australians are not just unsure about super, they are unsure about every aspect of investing and finance. The Ecstra foundation, Australia's best known financial literacy agency, exists on the back of irregular payments based on regulator fines. But the fund is making great progress kickstarting financial literacy in our schools.

Wealth Editor James Kirby's guest this week is Caroline Stewart, the CEO of the financial literacy foundation Ecstra

Questions always welcome to moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Super Cap Could Be A Property Trap

Thu, 23 Feb 2023 06:14:18 +0000

Items covered in this episode include - Does property really double in price ever decade? The perils of trying to use a former SMSF property as a home, why using the home mortgage is the cheapest form of finance and buying in Australia while living offshore. Wealth Editor James Kirby's guest this week is property expert Pete Wargent.

Questions always welcome to moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

The Problem With ETFs

Thu, 16 Feb 2023 05:06:35 +0000

How can you go wrong with an Exchange Traded Fund? They match the market average, they have very cheap management fees and your financial adviser thinks they are the best thing ever...but there is no such thing as a perfect investment.
In this week's podcast we cover. Wealth Editor James Kirby's guest this week is Chris Brycki, CEO of digital adviser Stockspot.

Questions for the podcast are always welcome at moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Investing in NDIS property - is it for you?

Thu, 09 Feb 2023 01:21:49 +0000

Property developers are promising strong and stable returns from NDIS investments, but the risks are bigger than you might think. Topics covered in this episode include what every investor needs to know about NDIS property, the plan to reform financial advice and why interest rate moves don't work like they used to do.

Questions for the podcast are always welcome at moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Is Super Worth The Effort?

Thu, 02 Feb 2023 03:37:13 +0000

Inside financial advice circles they call it the ‘black spot,’ the wealth level where government benefits fall away but annual investment income may be little better than pension. Wealth Editor James Kirby’s guest this week is financial adviser, Liam Shorte of the Verante Group

Questions for the podcast are always welcome at moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Why Your Bank Stocks Are Buzzing

Thu, 26 Jan 2023 05:49:26 +0000

The lift in bank stocks since the start of the year signals a change of heart in the residential property market. In this episode Wealth Editor James Kirby’s is joined by Will Hamilton of Hamilton Wealth Management.

Questions always welcome to moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Sorting out all your money issues in 2023

Thu, 19 Jan 2023 04:20:05 +0000

We're well and truly into 2023 now, are people still saying "happy new year?" ....in the last of our summer series with the Australian’s Wealth Editor James Kirby, James Gerrard of www.financialadviser.com.au is here to sort out your money issues in 2023.

See omnystudio.com/listener for privacy information.

Sorting out your property plans in 2023

Thu, 12 Jan 2023 02:04:42 +0000

With the news about the rental market, interest rates on the move and uncertainty ahead, The Australian’s Wealth editor James Kirby and special guest Stuart Wemyss of ProSolution have some commentary to get you thinking property through the summer.

See omnystudio.com/listener for privacy information.

Your shares in 2023

Wed, 04 Jan 2023 14:00:00 +0000

In this episode Wealth Editor James Kirby’s guest is NABTrade’s head of investor behaviour, Gemma Dale. Discussing shares and the market ahead in 2023.

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Tax breaks beyond your Super

Wed, 28 Dec 2022 14:00:00 +0000

In this episode of our Summer Series, Wealth Editor James Kirby’s guest is adviser Doug Turek, and we're getting Super set for 2023.

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Super for Starters

Wed, 21 Dec 2022 14:00:00 +0000

Over summer The Australian's Money Cafe will be helping you get financially fit for 2023.....in this episode Wealth Editor James Kirby’s guest is adviser Bruce Brammall.

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What you must know about property next year

Thu, 15 Dec 2022 03:33:31 +0000

Wealth Editor James Kirby's guest this week is Stuart Wemyss of the ProSolution group. They discuss the swing back to the city forecast for 2023, new 'rent bidding' reforms, how much higher mortgage rates and how apartments will get their moment in the sun.

See omnystudio.com/listener for privacy information.

Pay the mortgage or top up super - a new perspective

Thu, 08 Dec 2022 01:48:09 +0000

Wealth Editor James Kirby is joined by James Gerrard of www.financialadviser.com.au. They discuss the new realities of higher rates and home mortgages, if ethical investing still offers an edge over conventional funds, unexpected tangles in the First Home Super Savers Scheme and if we should worry about an inverted yield curve.

See omnystudio.com/listener for privacy information.

Forget the ASX forecasts and find the dividends

Thu, 01 Dec 2022 10:37:37 +0000

In this episode Wealth Editor James Kirby's guest is Gemma Dale, Head of Investor Behaviour at NABtrade. They say the ASX will close in 2023 somewhere close to where it will close at the end of this month. Except, the forecasts are invariably wrong - brokers confidently predicted a 10 percent return this year and we are not going to get there.

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Will the crypto crash make gold shine?

Thu, 24 Nov 2022 06:09:02 +0000

James Kirby’s guest this week is Doug Turek, financial advisor at Minchin Moore. In this episode, topics for discussion include - Gold should be a winner in a market where shares are severely challenged, should you fix your mortgage now? the growing power of industry super funds and where now for crypto?

Questions are always welcome for the podcast at moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

Why property bargain hunters should bide their time

Thu, 17 Nov 2022 07:03:36 +0000

James Kirby's guest on the podcast this week is adviser Bruce Brammall of Bruce Brammall Financial. The property market is down but not down far enough for bargain hunters - the cumulative strain of higher rates and lower prices is yet to come. James and Bruce also discuss if the sharemarket managed a turnaround? Do financial adviser clients access a wider range of investments?

See omnystudio.com/listener for privacy information.

Could your bank be hacked?

Thu, 10 Nov 2022 04:37:05 +0000

James Kirby's guest this week is Eric Johnston, Associate Editor and Business Columnist on The Australian. Cybersecurity has reached a new level with the spectacular blackmailing of Medibank Private...what's next? Also for discussion, the story behind the year's most spectacular takeover battle, the future of coal and does my credit behaviour overseas affect my record at home?

See omnystudio.com/listener for privacy information.

Will we ever see a budget surplus again?

Thu, 03 Nov 2022 06:00:36 +0000

Amy Auster, chief economist at PWC joins James Kirby Wealth Editor at The Australian on this week's episode. They discuss if we will ever see a balanced budget again, how super-low unemployment is not good for the economy, if our planned tax cuts have anything in common with the UK's 'Trussonomics' and the case for a bigger GST.

See omnystudio.com/listener for privacy information.

Budget Special: We read the measures, so you don't have to

Thu, 27 Oct 2022 05:00:30 +0000

For discussion today.....tax, super and franked dividend issues in the budget, why property REITs don't pay dividends (it's distributions), investment bonds don't always work out and getting roubles out of Russia.

Wealth editor James Kirby's guest this week is Will Hamilton of Hamilton Wealth Partners.

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Who's afraid of the GST?.......The Sequel

Thu, 20 Oct 2022 05:13:10 +0000

In this episode James Kirby and adviser Stuart Wemyss take a break from reporting on what the ALP says it won't do and concentrate on what needs to be done - in a word they have to broaden the tax base by lifting GST. Also for discussion the problem with the FIRE-Early Retire movement, will gold ever come back as a hedge against trouble? Borrowing to buy shares and a second look at Cathie Wood and her ARK Fund.

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Help! I'm in a financial hole...dig me out

Thu, 13 Oct 2022 04:29:34 +0000

Financial advisers help you get rich and financial counselors deal with the less fortunate who find themselves in a hole – what can we learn from them? Financial counsellor Rob Burgess of Mortgage Stress Victoria joins Wealth Editor James Kirby on this week’s episode. They discuss what a financial counsellor is and why you would need one, why gamblers are treated separately in counselling, if Centrelink is an Orwellian nightmare or a useful operation, and the rules of the game for debt collectors.

Questions for the podcast always welcome at moneycafe@theaustralian.com.au

See omnystudio.com/listener for privacy information.

The investment mistakes we all make

Thu, 06 Oct 2022 03:32:09 +0000

Olivia Margana of Aspire Retire is a member of the Top 100 Advisers List. In this episode she and James Kirby discuss how too many investors rush to invest and make mistakes that cost time and money down the track.

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Is it a good time to buy property?

Thu, 29 Sep 2022 03:00:00 +0000

House prices are falling across Australia, in this episode we take a closer look at the market and find out where the first bargains may emerge with Eliza Owen, head of research Australia for CoreLogic.

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Is that the end of the market sell off?

Wed, 21 Sep 2022 23:29:54 +0000

Share markets have absorbed the latest Fed Fund rate hike quite well, with the US down 17% this year and the ASX down 12% we take the pulse for active investors
In this episode James Kirby and Will Hamilton of Hamilton Wealth Partners look at why Australia is doing relatively better than Wall Street, the missing ingredient for a share market rebound, the new climate for bond investors and can you plan to put your home in a self managed super fund?

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So you still think rates are going to drop next year?

Thu, 15 Sep 2022 05:52:20 +0000

This week's US inflation figure challenges the fragile consensus that inflation and rates are about to drift lower - for investors it's time to tune in. In this episode James Kirby and economics correspondent Pat Commins look at the following - Why rates are rising at the same time as inflation, the new reality for renters, are you getting your super paid properly? and why wages are so slow to lift.

See omnystudio.com/listener for privacy information.

Why you DON'T have to fear our high inflation rate

Thu, 08 Sep 2022 05:52:21 +0000

Super fund CEOs are warning inflation will erode returns and they can't be expected to do as well as recent years: But private investors are not under the same stress, they just need to get it right over the long term: 'We've forgotten that inflation is normal," says top rated adviser, Charlie Viola from Pitcher Partners.

Send questions or comments to moneycafe@theaustralian.com.au

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Hunting for high paying hedge funds

Thu, 01 Sep 2022 07:22:12 +0000

The Future Fund’s CEO Raphael Arndt and chairman Peter Costello are notoriously tight-lipped when it comes to which investments win or lose for the nation’s most important investment vehicle each year. But this year they outlined how hedge funds had gone a long way to cushion overall returns.

In discussion, how macro hedge funds hit it out of the park for the Fund Fund, a hunting guide to alternative funds for the everyday investor, local investors take a bath on Bed Bath and Beyond Inc and will financial advice get cheaper if they loosen the rules?

See omnystudio.com/listener for privacy information.

Around the world with the Money Cafe -Ex-pat special episode

Thu, 25 Aug 2022 06:44:42 +0000

This week's special episode covers money issues for Australians abroad or anyone who has international investment queries. Financial adviser, Dr Doug Turek of Minchin Moore, joins James Kirby to discuss how to manage your Super if moving overseas, checking out the Bali tax break - living there and paying no Australian Tax... and receiving an inheritance from another country? Watch for tax treaties,

See omnystudio.com/listener for privacy information.

The investment fund that's become a charity powerhouse

Thu, 18 Aug 2022 08:40:53 +0000

Caroline Gurney the CEO of Listed Investment Company, Future Generation, joins The Australian's Wealth Editor James Kirby in this episode. Discussing listed investment companies...how they work, 'Untied funding' - trusting the charity to do the right thing and what happens when a company delists from the ASX?

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The advisor's guide to finding financial advice

Thu, 11 Aug 2022 05:51:04 +0000

James Kirby talks to Tim Mackay, advisor at Quantum Financial Services. Topics discussed include the qualification you want your advisor to have, should you bother becoming a Sophisticated Investor? Why four out of ten financial advisers have quit the industry and can you put your house in your Self Managed Super Fund?

See omnystudio.com/listener for privacy information.

Spotting the red flag for fraud in Super

Thu, 04 Aug 2022 06:27:53 +0000

Leah Bennett, financial crime manager at Australian Catholic Super and a member of the First Nations Foundation joins The Australian's Wealth Editor James Kirby on this week's show. They discuss how super access schemes kick-started a fraud frenzy, the single most dangerous moment for your super fund, the tax problem when your partner earns too much and why balanced funds don't all cost the same.

See omnystudio.com/listener for privacy information.

Pay the mortgage or top up super?

Thu, 28 Jul 2022 05:54:48 +0000

Financial adviser and author Bruce Brammall joins The Australian's Wealth Editor James Kirby on this week's show. They discuss how the RBA got it so wrong, tracking down listed investment companies and the latest on the bond market scams.

See omnystudio.com/listener for privacy information.

New financial year tax changes you should know

Thu, 21 Jul 2022 06:31:53 +0000

Financial advisor Liam Shorte of the Verante Group joins The Australian's Wealth Editor James Kirby on this week's show. They discuss updates on changes to super, home grants and downsizing, bond funds fraud alerts, chasing overseas and the perils of income protection insurance.

See omnystudio.com/listener for privacy information.

Tech Titan Bargain Basement?

Thu, 14 Jul 2022 05:46:29 +0000

Danielle Ecuyer, author of Shareplicity joins The Australian 's wealth editor James Kirby on this week's show. They discuss if the 50% discount on Facebook or Atlassian is enough, the investment income rising by double digits, 'cost-plus' building contracts and the cloudy future for the gig economy.

See omnystudio.com/listener for privacy information.

Yes, the markets could get worse... here's why

Thu, 07 Jul 2022 06:18:27 +0000

Will Hamilton of Hamilton Wealth Management joins The Australian's wealth editor James Kirby on this week's show. They discuss why the markets could get worse, the biggest mistake the RBA ever made, government bonds and what would make an ideal investing couple.

See omnystudio.com/listener for privacy information.

The 'must know' tax tips for your 2021/2022 return

Thu, 30 Jun 2022 03:00:00 +0000

Timothy Ricardo, director at Bishop Collins Chartered Accountants joins financial advisor James Gerrard from FinancialAdvisor.com.au on this week's show. They discuss commonly overlooked tax deductions, the new tax free "digital nomad" visa for Bali and tips for women to boost their super.

See omnystudio.com/listener for privacy information.

How to save thousands on your mortgage in just one phone call

Thu, 23 Jun 2022 04:04:33 +0000

Wayne Dive, personal mortgage adviser at Smartline joins financial advisor James Gerrard from FinancialAdvisor.com.au on this week's show. They discuss whether it's too late to fix your interest rate, a smart trick to reduce your pay off your loan sooner and expert tips on how to combat rising cost of living pressures.

See omnystudio.com/listener for privacy information.

Stagflation, La Nina and rate rises

Thu, 16 Jun 2022 09:05:20 +0000

Patrick Commins, economics correspondent at The Australian joins financial advisor James Gerrard from FinancialAdvisor.com.au on this week's show. They discuss the iceberg lettuce price crisis, what stocks are set to gain from high inflation and whether it is time to buy shares in buy now pay later company Zip Co

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Rising interest rates: will property investors or share market investors do better?

Thu, 09 Jun 2022 06:11:20 +0000

Terry Tran, share market educator at The Freedom Trader joins fellow financial advisor James Gerrard from FinancialAdvisor.com.au on this week's show. They discuss the impact of rising interest rates for investors, should you be buying growth or value stocks and tips to get more tax free income in retirement

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How to get 7% income on your investment but at what cost?

Thu, 02 Jun 2022 06:21:15 +0000

Stuart Wemyss, financial advisor at ProSolution Private Clients joins fellow financial advisor James Gerrard from FinancialAdvisor.com.au on this week's show. They discuss whether property markets are going to collapse, finding share market bargains as well as what investments will give you 7% income on your money.

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The portfolio changes you need to consider with Labor in power

Thu, 26 May 2022 05:58:52 +0000

Dr Doug Turek, financial advisor at Minchin Moore joins fellow financial advisor James Gerrard from FinancialAdvisor.com.au on this week's show. They discuss the washout from the federal election and pick out who are the winners, who are the losers and what it means for you over the next three years with a Labor government.

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Who are the guaranteed winners from the Federal election?

Thu, 19 May 2022 06:08:28 +0000

Good friend of the podcast James Gerrard joins James Kirby on this week's episode, discussing a rocky ride in the share market, is there a correlation between crypto and shares? and what you didn't know about the $250,000 Government Guarantee on deposits

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Is this the market’s ultimate bargain corner?

Thu, 12 May 2022 06:07:50 +0000

Tim Boreham, Stockhead's small caps correspondent joins The Australian's Wealth Editor James Kirby on this week's show. They discuss how Biotech gets hit hardest of all, one reason this sector may recover first and three ASX biotech stocks for you to consider.

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No bear in sight ! Why the ASX is still a late stage bull market

Thu, 05 May 2022 06:21:46 +0000

In this episode Jun Bei Liu, of Tribeca Alpha Plus Fund joins James Kirby to discuss CSL the bargain blue chip, what's the tax on my ten-bagger? and the problem with RIO's shareholder largesse.

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Why younger investors are not putting money into super

Thu, 28 Apr 2022 05:42:42 +0000

James Kirby is joined by Chris Brycki, the CEO of online finance advice group Stockspot, discussing how thematic Exchange Traded Funds can lose you money, is ETF managers crypto fund delay a lucky break and why active managers can't beat the index

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Charity giving: Australia you’re doing it wrong

Thu, 21 Apr 2022 05:54:59 +0000

In this episode James Kirby is joined by Scott Walters the CEO of Opportunity International, topics in discussion include the private investor charity tax shelter you never heard of, what is Microfinance and how does it work? amnd how to read the annual report from your favourite charity.

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Bank stocks are back in fashion: But which one?

Thu, 14 Apr 2022 06:03:59 +0000

It's a debut on the podcast for Remo Greco of Sanlam Private Wealth, topics being discussed in this episode include the miner’s new dividend policy, will big super funds find our market too small? some help for HELP debt and is Air New Zealand raising a bargain?

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Ukraine Donations - Are they tax deductible?

Thu, 07 Apr 2022 05:57:33 +0000

In this episode Doug Turek of Professional Wealth joins Wealth Editor James Kirby to discuss, among other things - How the crisis in Ukraine has affected investors in emerging markets, the bond market rout - when will it end? preparing your portfolio for higher rates and can you benchmark your financial adviser?

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BONUS - Live web event for The Australian's subscribers

Tue, 05 Apr 2022 07:39:19 +0000

In this bonus episode we're publishing the audio from a subscriber exclusive webinar on Budget Day. James Kirby was joined by Ross Greenwood the Business Editor at Sky News Australia and Ticky Fullerton Editor At Large of The Australian Business Review.

To find out more about become a subscriber to The Australian, search for The Australian in your app store, or search The Australian Subscription in your browser.

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What we found out about inflation from Treasurer Frydenberg

Thu, 31 Mar 2022 06:32:00 +0000

In this episode financial adviser James Gerrard of www.financialadviser.com.au joins The Australian's Wealth Editor James Kirby on this week's show. Catching up on the key changes for younger investors, what you need to know about the super drawdowns discount extension and optimizing your super contributions

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Introducing - The Front

Fri, 25 Mar 2022 03:00:00 +0000

The Front is a new daily news podcast from The Australian, featuring each day’s essential page one stories, journalists’ candid take on the issues that matter and behind-the-scenes insight from our newsrooms.

Search for The Front and follow or subscriber wherever you listen to your podcasts.

To find out more about The Front you can link here and for more from the newsroom at The Australian link here or search for The Australian in your app store.

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The two things most Rich 250 members have in common

Thu, 24 Mar 2022 05:03:00 +0000

John Stensholt the editor of the The Rich 250 joins James in this episode. The 250 is up for discussion including persistence and property - the twin interests of the nation’s richest, how Rich 250 queen Gina Rinehart invests beyond iron ore, the former fund manager king who dropped a billion and founder-driven companies: Are they better?

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NFTs for Dummies

Thu, 17 Mar 2022 04:13:26 +0000

In this episode David Swann, Technology Editor of The Australian joins Wealth Editor, James Kirby. For discussion, what are Non Fungible Tokens and should you buy them? How some of the world's biggest companies are getting involved, which Aussie Cricket star just launched his own NFT collectables? The ATO and NFTs - A Metaverse mystery

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Why Super is the Best Tax Rate in Town

Thu, 10 Mar 2022 04:47:00 +0000

In this episode James is joined by Financial adviser Charlie Viola of Pitcher Partners. Points for discussion include, how to make the best of super, long term rules for your SMSF, couples who ‘split’ can be winners and how super rule change ceasefire is a winner.

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Ukraine Crisis - The ethical dilemma for investors

Thu, 03 Mar 2022 04:23:00 +0000

In a special episode of the podcast David Bassenese, the chief economist at Betashares joins James Kirby, The Australian’s Wealth Editor to discuss some very topical subjects - Is Russia a ‘buy’ or ‘sell?' How oil prices could still go higher, what if Russia gains control? and why crypto won’t help the Oligarchs

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The ugly secret of unpaid super

Thu, 24 Feb 2022 05:58:06 +0000

Financial advisor and commentator James Gerrard of financialadvisor.com.au joins James Kirby, The Australian’s Wealth Editor. Items under discussion include ATO moves on family trusts, getting younger family members to invest, preparing for our Metaverse special episode.

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What now for Aussie investors on Wall Street?

Wed, 16 Feb 2022 14:00:00 +0000

‘Shareplicty’ author and commentator Danielle Ecuyer joins James Kirby, The Australian’s Wealth Editor on this week’s episode. Items under discussion include Facebook versus Microsoft, reality biting for Tesla and Block Inc enters Australian top twenty.

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Lessons from the fall of the Magellan Fund

Thu, 10 Feb 2022 06:16:53 +0000

In this episode of The Australian's Money Cafe Financial advisor, Will Hamilton of Hamilton Wealth Management joins James Kirby to discuss if the Magellan Financial Group is close to the bottom, how top advisers deal with key person risk and we're keeping an eye on ‘after fees’ performance figures.

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Watch out! Exchange Traded Funds are drifting off course

Thu, 03 Feb 2022 04:53:00 +0000

Investment strategist Giselle Roux joins the Australian’s Wealth Editor James Kirby on this week's episode of the show. They discuss the dangers in the new boom of ‘thematic’ ETFs, how niche ETF funds get stuck with too many small cap stocks, and the backlash on ‘greenwashing’ in coming.

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Inflation - What will it mean for your investments ?

Thu, 27 Jan 2022 04:59:55 +0000

Dr Doug Turek of Professional Wealth joins James Kirby, the Australian’s Wealth Editor on this week’s show. The pair discuss why inflation has finally broken out in our domestic economy, which stock sectors are set to win and lose in the months ahead and will interest rates really rise by much?

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Where are the property bargains in 2022?

Thu, 20 Jan 2022 05:07:32 +0000

Eliza Owen, head of research at property group CoreLogic joins James Kirby, the Australian's Wealth Editor on this week's show. They discuss the reasons why apartments will never catch up with houses, the state where the sun is shining on real estate prices and how the regulators may cool the market.

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Special Summer ‘ReStart’ - Episode Three - Your introduction to investment property

Wed, 12 Jan 2022 14:00:00 +0000

In the final summer special 'ReStart' series James Kirby talks to financial advisor James Gerrard about the best financial approach to buying an investment property, if you should do it yourself, how much a managing agent costs, the key to selecting an investment property and buying inside a block or complex compared to stand alone.

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Special Summer ‘ReStart’ - Episode Two - Getting to know shares and managed funds

Thu, 06 Jan 2022 02:00:00 +0000

This is the second episode in the special four part summer 'restart' edition of The Australian's Money Cafe, where James Kirby is joined by financial advisor James Gerrard to reintroduce you to investing. This week they discuss how to balance your shareholdings to get growth and defensive investments, the secrets of dollar cost averaging, the 12 month tax rule you must know when share trading and what the ideal number of stocks to hold is?

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Special Summer ‘ReStart’ - Episode One - Introducing you to the first principles of investing

Thu, 30 Dec 2021 02:00:00 +0000

The Australian's Money Cafe is running a four part summer special 'ReStart' edition, where each week James Kirby is joined by financial advisor James Gerrard covering all you need to know to be introduced - or reintroduced - to investing. This week they discuss what a balanced portfolio is, and if you should have one, what the right tax structure is for your investing, how to cut your tax bill selling an investment after 12 months, and if you should borrow to invest.

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Most popular episode of 2021 - Spare cash? Should you put it in super or cut the mortgage?

Thu, 23 Dec 2021 01:00:00 +0000

In today's special episode of the Australians Money Cafe we are playing back one of the most popular episodes we had on the podcast this year. The episode is all about what to do if you have some spare cash - do you pay down your mortgage or put it in your super? James Kirby spoke to financial advisor and author Bruce Brammall about what HECs hitch you should seek to avoid, when it is the time to gear into shares, and a place in the country - how to do it.

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Smart investors end the year preparing for a downturn

Thu, 16 Dec 2021 05:16:26 +0000

Gemma Dale, head of investor behaviour at stockbroker nabtrade joins Wealth Editor James Kirby on this week’s edition of The Australian’s Money Cafe. They discuss how the Electric Vehicle boom will power ahead in 2022, the tax rule you must know to optimise this year's market gains and how to find a way into renewable investing.

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The one habit all rich investors have in common

Thu, 09 Dec 2021 01:35:06 +0000

John Stensholt, the Rich 250 editor joins Wealth editor James Kirby on this weeks episode of The Australian's Money Cafe. They discuss the difference between old rich and new rich in Australia, the global reach of the Rich 250, how the rich approach crypto and why property still underpins great fortunes.

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The scandal your superfund hopes will go away

Thu, 02 Dec 2021 05:23:00 +0000

Will Hamilton of Hamilton Wealth Management joins James Kirby, the Australian's Wealth Editor on this week's show. They discuss if it is irresponsible for fund managers not to have some crypto, losing money in bond funds and why there is no such thing as a 'free' share market trade.

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Mythbusting the 'great resignation'

Thu, 25 Nov 2021 05:33:00 +0000

Shane Oliver, chief economist at AMP Capital Shane joins Wealth Editor James Kirby on this week's episode of The Australian's Money Cafe. They discuss the great resignation, if we can still trust gold, how the pandemic is going to lift wages and if the RBA talks too much.

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Crypto Special - How much? For how long?

Thu, 18 Nov 2021 03:00:00 +0000

Jon Deane, CEO of Trovio and member of the government's Digital Finance Cooperative Research Centre, joins James Kirby on this week's episode of The Australian's Money Cafe. They discuss how to begin as an investor in the speculative world of crypto, if Bitcoin is a proxy for the entire game, why you need to separate 'coins' from blockchain technology and what the sophisticated investors are doing in the space. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Discovering the best value sector in residential property

Thu, 11 Nov 2021 05:14:19 +0000

Financial adviser and author Stuart Wemyss of ProSolution joins Wealth Editor James Kirby on this week's episode of The Australian's Money Cafe. They discuss if Fortescue should spin-off it's clean energy division, the plain truth about Self Managed Super Fund costs and if Macquarie Bank is a 'green' investment?

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Should you pay your HECS or your Mortgage?

Thu, 04 Nov 2021 05:16:00 +0000

Financial adviser and Spirit Super director Sue Dahn joins James Kirby on this weeks episode of The Australian's Money Cafe.They discuss if you should pay off your HECS bill or your mortgage first, dud super funds and what it means for a fund at the bottom of the ATO scorecard, and who's paying for andrew forests' big experiment in green energy. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Are house prices finally slowing down?

Thu, 28 Oct 2021 05:19:11 +0000

Financial adviser Bruce Brammall joins James Kirby on this week's episode of the Australian's Money Cafe. They discuss why bonds are suddenly a danger zone, what color your hydrogen investment is and why RBA non-believers are on the rise. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Tesla - Is it too late to join the party?

Thu, 21 Oct 2021 05:30:20 +0000

'Shareplicity' author Danielle Ecuyer joins James Kirby, Wealth Editor of The Australian as the special guest on this week's episode of The Australian's Money Cafe. They discuss making money from net zero, bargain hunting in the China sell-off and if ETF's are too passive on ESG. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Tax targets: The ATO's future hunting grounds

Thu, 14 Oct 2021 06:45:00 +0000

Dr Doug Turek of Professional Wealth joins James Kirby on this week's episode of The Australian's Money Cafe. They discuss how many Square shares you'll get for Afterpay stock, how inflation increases its grip on markets, and if we can believe the RBA will not move until 2024. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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The rich are different...and this is why

Thu, 07 Oct 2021 04:59:19 +0000

This week on the Australian's Money Cafe James Kirby is joined by Gemma Dale, head of investor behaviour, NAB trade. They discuss the distinct approach of the wealthy investor, why you get 'anchored' to your favourite stocks, the search for a vegetarian investment, and if we change our behaviour if rates are lower. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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The ultimate Capital Gains Tax escape

Thu, 30 Sep 2021 06:18:00 +0000

This week on the Australian's Money Cafe James Kirby is joined by James Gerrard, financial advisor at www.financialadvisor.com.au. They discuss the post lockdown house price outlook, take a second look at managed funds, and uranium rebound...is it for real ? To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Help! I'm stuck in a dud superfund

Thu, 23 Sep 2021 06:39:47 +0000

On this week's episode of The Australian's Money Cafe James Kirby is joined by Will Hamilton of Hamilton Wealth Management. They discuss why share markets remain nervous on China credit crisis, scouting for bargains in a volatile ASX and the problem with buying US shares. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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What the hell is a blue-chip: Where can I see a list ?

Thu, 16 Sep 2021 06:32:00 +0000

On this week's episode of The Australian's Money Cafe James Kirby is joined by Rudi Filapek-Vandyck, publisher of share market guide FNarena.com. They discuss rising debt and the share market, if the ASX can avoid a plunge in September (the worst month of the year) and the Dusk Group - the small cap that smells nice. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Lessons from Bitcoin's 'flash crash'

Thu, 09 Sep 2021 05:53:00 +0000

James Kirby is joined by Anthony Keane, Personal Finance Correspondent for News Ltd, on this week's episode of The Australian's Money Cafe. They discuss what to look for if you don't need dividends, high government debt and your portfolio and if it is time to start shorting China. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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How to invest for your kids

Thu, 02 Sep 2021 05:35:44 +0000

James Kirby is joined by adviser Sue Dahn from Pitcher Partners on this episode of The Australian's Money Cafe. They discuss Exchange Traded Funds versus Listed Investment Companies, if inflation will eat into your investments and a problem with the super fund 'shame file'. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Bitcoin versus Gold - What you need to know

Thu, 26 Aug 2021 05:43:00 +0000

James Kirby is joined by adviser Dr Doug Turek from Professional Wealth in this episode of The Australian's Money Cafe. They discuss if the markets can stay strong if we face another recession, lithium stocks and the possibility of a storage unit as an entry level property. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Special Edition - China and your investments

Thu, 19 Aug 2021 03:38:00 +0000

On this special episode of the Australian's Money Cafe James Kirby is joined by Will Glasgow, China correspondent for The Australian. They discuss the new risks in China-related stocks, the cost of our troubled relationship with Beijing and how Hong Kong stocks can win from here.

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Special Ethical Investing Edition

Thu, 12 Aug 2021 05:24:00 +0000

Special guest Mara Bun, director of Australian Ethical Investment, joins James Kirby on this week's episode of the Australian's Money Cafe. The two discuss the greatest ethical company (you know it well), if we can believe in ethical ratings, and greenwashing: a beginner's guide. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Spare cash? Should you put it in super or cut the mortgage?

Thu, 05 Aug 2021 06:33:00 +0000

Adviser and author Bruce Brammall joins James Kirby in this episode of The Australian's Money Cafe. They discuss a HECs hitch you should seek to avoid, when it is the time to gear into shares, and a place in the country - how to do it. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Why the takeover boom is only starting

Thu, 29 Jul 2021 05:02:10 +0000

Fund manager and commentator Roger Montgomery of Montgomery Investment Management joins James Kirby in this episode of The Australian's Money Cafe. They discuss how to find value on the ASX, the capital city property market looking cheap and a share market 'pick' ready to reward for years to come. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Gold for the kids... it's a thing

Thu, 22 Jul 2021 06:06:00 +0000

Adviser and writer James Gerrard of Finance Advisor joins James Kirby in this episode of The Australian's Money Cafe. They discuss why used car prices are going nuts, the best way to deal with your HECs debt, and if car parks are an investment property entry point? To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Will the US export it's inflation to Australia ?

Thu, 15 Jul 2021 06:51:00 +0000

In this episode James Kirby discusses why China is not that important, ETF price drops are explained and should you be looking at inflation-linked investments ? To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Inside Peter Switzer's Self Managed Super Fund

Thu, 08 Jul 2021 07:36:00 +0000

In this week's episode James Kirby is joined by the broadcaster and founder of the Switzer Group, Peter Switzer. Points for discussion include should fin-influencers be prosecuted? the problem when industry supers rack up 20 per cent returns, and are you paying someone else's tax in your managed fund? To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Investing in space (yes, seriously)

Thu, 01 Jul 2021 06:23:00 +0000

In this week's episode James Kirby is joined by The Australian Technology Editor David Swan. The two discuss the Aussie EV company heading to NASDAQ, a gleaming shiny new way to buy gold, and two red hot ETFs it's worth knowing more about. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Why the Taiwan drought will change your investment returns (it's the chip shortage)

Thu, 24 Jun 2021 06:36:00 +0000

In this episode of The Australian's Money Cafe James Kirby is joined by Managing Partner of Hamilton Wealth, Will Hamilton. Topics discussed include that all important tax guidance for the EOFY, is the First Home Super Saver scheme worth the effort? and the biggest challenge in the building trade boom. To read articles on the topics covered in this episode of The Australian's Money Cafe, take out a subscription to The Australian or download The Australian's app at your app store.

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Rates and inflation to move higher...can we ignore it ?

Thu, 17 Jun 2021 02:16:00 +0000

Sky News Business Director Ross Greenwood joins James Kirby in this episode. Topics discussed include El Salvador changing the game on Bitcoin, gold and silver going their separate ways and Is your super fund really 'balanced' ? To read articles on the topics covered in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Negative gearing: The beginning of the end?

Thu, 10 Jun 2021 06:14:00 +0000

In this episode of The Money Cafe the team discusses fixing rates? why it's now or never, will ETFs take over the market? and how it's a very very fine time for the Big Four banks. To read articles on the topics covered in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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GDP growth pops: Can inflation be far behind?

Thu, 03 Jun 2021 03:53:00 +0000

This week on The Money Café, James Kirby and Alan Kohler traverse the world of ransomware and crypto, question whether it’s time to look at the chipmakers, and explore Grant Hackett's dive into investment bonds. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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We need to talk about crypto!

Thu, 27 May 2021 07:18:00 +0000

In this episode The Money Cafe touches on the (latest) financial advice crisis, what happens when that fixed term mortgage ends, the problem with property for the non-permanent resident and doing the distance with a struggling investment. To get your questions answered email moneycafe@theaustralian.com.au To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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The NFT unicorn Australia didn’t want

Thu, 20 May 2021 06:46:00 +0000

This week on The Money Café Alan Kohler and James Kirby discuss the concept of being trapped in your super fund, examine Dr Lowe’s language and look at whether Bitcoin gives new meaning to the word ‘volatile.’ To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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The Budget Week Special – What really happened just there?

Thu, 13 May 2021 07:12:00 +0000

The Budget takes centre stage in this week’s episode of The Money Café, with James Kirby and Alan Kohler examining the key measures that might be useful from ‘the big spend’. Also discussed is inflation, why mining services stocks are behind the pace, and what happened to the price of Bitcoin. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Why house prices can’t keep this up

Thu, 06 May 2021 05:52:00 +0000

This week on The Money Café, James Kirby and Alan Kohler question whether Fortescue can float on hydrogen, look at why the RBA Governor doesn’t have a defined benefit fund, and check up on Bitcoin’s latest movements. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Iron ore – too good to be true?

Thu, 29 Apr 2021 06:41:00 +0000

The dynamic duo James Kirby and Alan Kohler return to The Money Café where they discuss a radical idea for getting wage inflation up, how to chase Tesla returns, and look at A2 Milk’s progress. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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The property market is crazy!

Thu, 22 Apr 2021 06:21:00 +0000

Property takes centre stage in this week’s episode of The Money Café, with buyers advocate Nicole Jacobs from Whitefox Advocacy sharing her thoughts on underquoting, when the right time to buy a house is and much, much more. To read articles on the topics covered in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Getting smart on super contributions

Thu, 15 Apr 2021 06:27:00 +0000

This week on The Money Café, James Kirby is joined by Pitcher Partners’ Sue Dahn to discuss whether split mortgages work and whether rates can really stay this low if house prices pop. The pair also give a warning to the bank of mum and dad that the law might not be on their side. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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China's digital currency plans - big deal or not?

Thu, 08 Apr 2021 07:13:00 +0000

This week on The Money Café, Alan Kohler and James Kirby discuss why bonds bear bad news. Also on the agenda is the use of buyers’ advocates & questioning whether currency hedges can work forever. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Is AMP an impossible job?

Thu, 01 Apr 2021 04:34:00 +0000

This week on The Money Café, Alan Kohler and James Kirby discuss the secret tax break in vintage cars, question the rush to the regions, and look at how to get a stock pre-IPO. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Why balanced funds may not be the best from here

Thu, 25 Mar 2021 05:48:00 +0000

Doug Turek joins James Kirby in this week’s episode of The Money Café to discuss off-the-plan property, chasing dividends and the crazy story of Airtasker's IPO. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Why rates won’t rise

Thu, 18 Mar 2021 05:22:00 +0000

InvestSMART’s Head of Strategy Evan Lucas joins James Kirby in The Money Cafe this week to discuss if it’s possible to find a residential property ETF. Also on the agenda is bitcoin’s big energy use and whether house prices are fully reflected in our inflation numbers. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Bitcoin versus gold

Thu, 11 Mar 2021 05:07:00 +0000

In this week’s episode of The Money Café, Alan Kohler and James Kirby delve into the property market as Sydney house prices accelerate again. The pair also discuss why people are saying goodbye to saving for now and whether a cleaner cement company could clean up. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Pay off the mortgage? Not so fast

Wed, 03 Mar 2021 21:58:00 +0000

In this week’s episode of The Money Café, Alan Kohler and James Kirby discuss the prospect of Bitcoin in your super. Also on the agenda is Afterpay bringing back the zero coupon deal and big mouth Bernie Fraser. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Standby for the solar ‘tsunami’

Thu, 25 Feb 2021 05:15:00 +0000

On this week’s episode of The Money Café, Alan Kohler and James Kirby delve into the mystery of the unlicensed adviser and her missing $20 million. The pair also discuss Bitcoin’s bad week and the phenomenon of magic mushroom investing. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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How to invest a million-dollar windfall?

Thu, 18 Feb 2021 06:39:05 +0000

In this week’s episode of The Money Café, Alan Kohler and James Kirby discuss the brutish and arrogant Facebook. The pair also look into the rise of Clubhouse and take a deep dive into the Iranian stock exchange. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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JobKeeper... time to press for payback

Thu, 11 Feb 2021 05:17:00 +0000

In this week’s episode of The Money Cafe, Alan Kohler and James Kirby discuss the truly awful AMP and why Crown can’t go on like this. Also on the agenda are the inflation worriers and an explanation of who’s behind the short selling. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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GameStop: Storm in a teacup?

Thu, 04 Feb 2021 05:40:00 +0000

Alan Kohler and James Kirby are back in The Money Cafe this week to discuss whether austerity is back on the agenda. The pair also wonder whether a central banker would make a good Prime Minister and estimate China-based ETFs. To read articles on the topics Alan and James cover in this episode of The Money Cafe, take out a subscription to The Australian or download the Australian app at your app store.

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Mad markets – hunting with wolves!

Thu, 28 Jan 2021 07:49:00 +0000

James Kirby and Alan Kohler are back in the virtual Money Cafe to discuss the GameStop controversy and hedge fund comeuppance. Also on the agenda is the property investment market's shot in the arm, whether the higher inflation number actually means anything, and hydrogen for beginners.

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Can a bubble last for years?

Thu, 21 Jan 2021 05:27:00 +0000

Alan and James return to Saporito for the first Money Café of 2021 which is labelled the year of the electric car. Also on the agenda is a discussion on the future of the office REIT, the flying Aussie dollar and the heavyweight comparison between Afterpay and Tesla.

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What investors learned in a year to forget. IPO boom surfs a wave of optimism. Is it time to re-educate economists?

Thu, 10 Dec 2020 04:28:00 +0000

In the last episode for 2020, James and Alan look back on what they've learned from a dreadfully difficult year, and the trends that seem likely to dominate the one on the horizon.

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House prices are going up, yes, really. Can Australia reset its trade relations with China? The winners and losers of rising super guarantees.

Thu, 03 Dec 2020 04:33:11 +0000

As we round into the home stretch of a dreadful year, things are starting to look strangely optimistic. House prices are going up, the recession appears to be waning, and there's a COVID vaccine in sight. On this week's episode, James and Alan take stock of the latest economic data, and wonder about the end point of an ongoing trade spat with China.

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Why Bitcoin is back. State budgets damn the deficits. The secret of multi million super accounts

Thu, 26 Nov 2020 04:59:12 +0000

After a year that has redefined turbulence, it appears that most investors are going to finish... flat? James and Alan talk about the surprisingly upbeat end to 2020, crypto, state budgets and electric cars on this week's episode

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Bitcoin – The Second Coming. The Vaccine Race- Will Big Pharma play fair? China's booming sharemarket. Share swapping and CGT.

Thu, 19 Nov 2020 04:20:00 +0000

Bitcoin’s second coming has Alan Kohler and James Kirby questioning whether people are losing faith in the US dollar. The duo also ponder what other reforms might be pushed through during the COVID-19 crisis on the back of NSW’s changes to stamp duty.

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How to fix your rate regrets. Markets optimistic about a Trump transition. Beware faux ethical funds.

Thu, 12 Nov 2020 05:00:00 +0000

Rates are on everyone's minds at the moment. Can you beat the bank? Alan and James provide their opinions on fixing mortgages on this week's episode, and pick over the smouldering remains of the US presidential election, before diving into some curly listener questions about sector ETFs, ethical funds and boron mines.

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Back in the cafe! Market is pricing in a Biden win. A lot more than a rate cut from the RBA.

Thu, 05 Nov 2020 04:31:58 +0000

This week's episode was recorded as votes were being counted in the US Presidential election, but markets seem to have already warmed to the prospects of a narrow Biden win. Tech stocks in particular seem poised to benefit from that outcome. Also discussed in this episode: the resilience of pent-up consumer demand in Australia, the RBA's messaging around rates and a bunch of listener questions.

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Is there a recession or not? How bank dividend cuts hurt retirees hardest. What If AusPost's Holgate had offered cash instead?

Thu, 29 Oct 2020 05:17:00 +0000

As Victoria emerges from its lockdown, Alan Kohler and James Kirby take a closer look at Reserve Bank deputy governor Guy Debelle’s comment that a technical recession is over, and question how much that actually matters. Also on the agenda is the Australia Post Cartier watch scandal, a preview of the RBA’s next meeting, and more.

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Gold regains lustre as an inflation hedge. Who wants a Crown with this much controversy? Investing in barrels can be whisky business

Thu, 22 Oct 2020 04:19:15 +0000

Gold is back in vogue with investors, but what about cryptocurrencies? James and Alan discuss the idea of reserve banks creating their own digital currencies on this week's episode of The Money Cafe, as well ass the ongoing disaster at Crown, the prospect of investing in scotch, and the growing love for a Biden win on financial markets.

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Our top 3 best stocks. How low will Lowe go? Does government spending really drop next year?

Thu, 15 Oct 2020 04:51:00 +0000

With the RBA indicating another rate cut is imminent, Alan Kohler and James Kirby convene in the virtual Money Café to question how low Lowe will go. The duo also discusses whether government spending will really drop next year and why they’re only half as worried as they were about mortgage deferrals.

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Should you fix rates? The answer is obvious. What’s going on with super?

Thu, 08 Oct 2020 04:43:23 +0000

As the dust settles from Tuesday’s federal budget, Alan Kohler and James Kirby reconvene in their traditional Money Cafe time slot to trawl through the budget’s entrails while looking into super reform and pondering where they would spend an extra $10 billion on top of the budget.

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Budget 2020: searching for surprises in a blizzard of measures

Tue, 06 Oct 2020 09:04:53 +0000

James and Alan jump in to a spare room at the 2020 Federal Budget lockup to discuss a massive slate of fiscal measures largely already announced. It's a podcast of big numbers: debt, deficit, population growth and tax cuts all feature prominently.

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Budget predictions. Can you beat the house when fixing rates? The cities left behind in a housing recovery.

Thu, 01 Oct 2020 05:22:00 +0000

James returns to the Money Cafe just as an enormous Federal Budget looms on the doorstep. This week, he and Alan discuss what next week's budget could contain, the increasingly bifurcated Australian property market, and how anemic interest rates should change the way you view a mortgage rate fix.

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How to prepare for a Presidential punch-on. Setting the bar on fund manager experience. Could COVID crush small industry funds?

Thu, 24 Sep 2020 06:02:22 +0000

With James Kirby still on a locked down holiday, Alan is joined in the Money Cafe by Chris Weston, head of research at Pepperstone. Together the two of them look at the RBA's messaging on rates, the prospects of a drag-out Presidential election, how young investors can negotiate a turbulent economic cycle, and the maths on Afterpay.

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‘Buy the rumour, sell the fact’. The work from home revolution. A Minsky moment.

Thu, 17 Sep 2020 05:58:00 +0000

Alan Kohler puts the markets under the microscope in this week’s episode of The Money Cafe as he is joined by Author and Publisher of The Pain Report, Jonathan Pain. The pair discuss what the Fed’s been up to, why Jonathan is shorting the Nasdaq, the working from home revolution, and much more.

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Rio's road to perdition. Insuring the vaccines. Tech sell off: If not this time, next time

Thu, 10 Sep 2020 05:44:00 +0000

This week on The Money Cafe, James and Alan chat about the widening gap between markets and the economy, vaccine insurance, the increased pressure on Rio Tinto's leaders after the Juukan Gorge fiasco and Warren Buffet's very diverse views on diversification.

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Recession… or something else entirely? Why the Future Fund is cashing up. Can we believe these house price numbers?

Thu, 03 Sep 2020 06:43:00 +0000

Alan Kohler and James Kirby are back in the virtual café to flesh out yesterday’s GDP figures and why the recession label doesn’t capture the current economic situation. The duo also look at IOOF’s acquisition of MLC, the Future Fund’s warning sign and why residential property signals are deteriorating.

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The secret of BNPL success. What happens if Biden wins? How much for financial advice?

Thu, 27 Aug 2020 05:50:00 +0000

Alan's back in the virtual cafe this week, and has a lot to catch up on as between market moves and corporate misbehaviour. He and James discuss the epic battle between commercial landlords and retailers, the institutional investors that were out for revenge against AMP, and how markets could react to a change in the White House.

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With special guest – Top financial adviser Sally Huynh. Early super withdrawal… is it taxed? A house in the city, a place in the country...can it be done?

Thu, 20 Aug 2020 06:44:00 +0000

Top financial adviser Sally Huynh joins James Kirby in this week’s episode of The Money Café for a discussion on the key issues and investment trends emerging from COVID including gold’s spectacular rally, early super withdrawals and the state of industry funds as airports and toll roads struggle.

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Mining a rebound. Government guaranteed gold? Revealing the 'jobkeeper stocks'.

Thu, 13 Aug 2020 05:42:00 +0000

Resources expert Tim Treadgold joins James Kirby in the cafe this week for a detailed discussion about gold, iron ore, lithium, and how government stimulus could be a major boon for mining generally.

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Forward Slash special: the buy now, pay later boom

Tue, 11 Aug 2020 06:33:00 +0000

Buy now, pay later companies are eating up an increasing share of the retail transaction market at a time when credit cards are on the wane. It's another example of neglected customers finding a better experience with an innovative start-up product. But is regulation keeping up with the pace of change, and should consumers be more wary of these lending systems as a historic recession rocks the world?

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Is investing in gold ridiculous? Why keeping an eye on US markets is a must. Suspension of insolvency laws and your portfolio.

Thu, 06 Aug 2020 05:23:00 +0000

With Alan on a lockdown holiday, James is joined by financial adviser Doug Turek for a distanced chat about how he is managing portfolios in 2020, and the haunting sense hanging over markets.

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The murkiest earnings season ever! Is something wrong at CSL? Early super withdrawal beats all forecasts.

Thu, 30 Jul 2020 06:03:00 +0000

This week on The Money Café, James Kirby and Alan Kohler look ahead to the upcoming earnings season, look at what’s going on at CSL, examine the magnitude of early super withdrawals, mull over why Solomon Lew bought Myer and more.

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The fine detail of Australia's dire budget update. Could deferred loans be written off? The fix is in on Australian mortgages.

Thu, 23 Jul 2020 05:33:00 +0000

Federal Treasurer Josh Frydenberg has revealed the incredible damage COVID-19 has wreaked on Australia's finances. But a closer reading of the budgetary assumptions reveals a mix of optimism and pessimism. James and Alan discuss what is and isn't meaningful in the news, and whether we are destined for a depression in this week's episode. Also covered: more MMT debate, the outlook for deferred loans and Tesla's unlikely win.

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Anticipating Frydenberg's huge budget update. Gold leverage explained. The super withdrawl disaster accelerates.

Thu, 16 Jul 2020 05:33:00 +0000

The Treasurer's mini-budget update on July 23 will be one of the most keenly anticipated Zoom calls of the year. Alan and James discuss the budgetary and human considerations being weighed up in this week's Money Cafe, and compare communist financial management to the MMT trend. Also discussed: Afterpay's valuation, gold ETFs, the huge fund manager leaning into cash, and the long-term impact of early super withdrawals.

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An exhaustive look at ETFs. A golden bubble? Income protection policies.

Thu, 09 Jul 2020 05:12:00 +0000

With Alan off-duty, James invites Vanguard's Robin Bowerman on for a comprehensive explanation of how exchange traded funds work, and the ways that ETFs can help and hurt an investing strategy.

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Special Edition - Modern Monetary Theory - What the hell is it and why is everyone talking about it?

Thu, 02 Jul 2020 07:09:00 +0000

Alan has created quite the stir through his recent fascination with modern monetary theory, or MMT. So, this week he and James thrash out the logic and potential drawbacks of this radical shift in thinking, and explain how Money Cafe listeners should prepare for a potential change in policy.

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Introducing: Forward Slash

Fri, 26 Jun 2020 04:11:44 +0000

Introducing a brand new podcast from The Australian: 2020 has seen the world reshaped at an unprecedented pace. Eras that once spanned a decade fly past in the space of a month. Trends that lasted weeks are lucky to survive an entire day. Technology is accelerating a lot of these changes, but could it also steer us towards a safer, fairer future? Forward Slash is a podcast series about how massive change and technology are colliding in our present moment. New episodes will be released fortnightly. Search for Forward Slash in your podcast app to hear more.

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Recession brings a new wave of retail investors. Why fewer financial advisers should mean better advice.

Thu, 25 Jun 2020 06:32:00 +0000

This week on The Money Café, James Kirby and Alan Kohler look into the number of new investors coming into the market, Qantas’ latest job cuts, the risk-reward ratio of bonds, and answer a number of listener questions.

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Market signals muffled as reserve banks buy up corporate bonds. The distancing rule that could ruin restaurants. Why Afterpay is soaring

Thu, 18 Jun 2020 06:11:00 +0000

Zombie companies loom on the horizon of this week's episode as James and Alan discuss the potential impacts of the US Fed buying up bonds from businesses wounded by the COVID-19 shutdown. In Australia, Job Keeper appears to be the only measure keeping the lights on for many smaller hospitality businesses. How can these measures be unwound? Also discussed: the RBA's property freeze suggestion, and the surprisingly positive year for your super balance.

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Why Kogan is on a tear. Crazy credit card fees. Assessing the FIRE (Financial Independence Retire Early) movement.

Thu, 11 Jun 2020 06:08:00 +0000

This week Alan Kohler and James Kirby make their long awaited return to the Money Cafe to mull over the stock market recovery following the best 50 days on the market… ever, the disparity between credit card interest rates and buy-now pay-later firms, and punch through a treasure trove of listener questions.

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Why a GDP recession matters. Will rioting bring markets back to reality? Learning from a tale of ETF woe.

Thu, 04 Jun 2020 06:02:00 +0000

A week of mass protest in the streets of America hasn't subdued Wall Street. Is this rally too good to be true? James and Alan ponder how long stocks can soar in the face of civil unrest in this week's episode of The Money Cafe, and consider how the grim outlook for GDP should be read.

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Capital raisings bonanza - did you get a fair share? Why tech titans will now extend their dominance. Inflation or deflation - which is the worry?

Thu, 28 May 2020 06:16:00 +0000

Stephen Mayne joins James in the Money Cafe this week for an episode largely focused on a rash of capital raisings. Is the current system set up in a way that is unfair to retail investors? Why have some famous rich listers not opted into their own raisings? And which offerings were the real winners in this batch?

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Is Amazon propping up world markets? Travel titans play hardball. Reading the last recession.

Thu, 21 May 2020 06:18:00 +0000

Have we entered the Land of Oz? Where markets and the economy can persist in divergent realities? James and Alan space out on the big questions in this week's episode The Money Cafe, and attack a rising bag of listener questions.

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Australia's misleading unemployment arithmetic. How the big banks will decide what happens to house prices. Will we work from home forever?

Thu, 14 May 2020 06:49:35 +0000

After the release of today’s confronting employment figures, Alan Kohler and James Kirby unpack the numbers and reveal the true damage to Australia’s labour force. The duo also discuss the Commonwealth Bank’s grim forecast for property prices in this week’s episode of The Money Café.

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Wall Street Wakes! What to do if you regret accessing early super release? Using an SMSF to buy residential property.

Thu, 07 May 2020 06:11:00 +0000

Have markets found the floor, or are we looking at another dip coming down the tracks? James and Alan compare notes on recent history and consider the shaky case for optimism in the future in this week's episode of The Money Cafe.

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Weasel words and banking dividends. Could Australia escape a recession? Markets punt on a Crown takeover.

Thu, 30 Apr 2020 06:15:18 +0000

Alan Kohler and James Kirby get stuck into a big week in finance which has been dominated by the banks and more big movements in the oil price. They also look to the US and whether its largest GDP contraction since the GFC is just the beginning of a deep recession.

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Big oil's bad days. Why unemployment data hides a far uglier reality. Was Virgin flying in the wrong direction from the start?

Thu, 23 Apr 2020 06:06:00 +0000

James is back in the Money Cafe for a meaty discussion of a dramatic week of business news. Crashing oil prices have left some traders scrambling for space in the garage for a few extra barrels, and the RBA has issued an economic update that may have under-stated the depths of Australia's economic dip.

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An overly optimistic IMF outlook? How falling migration could hit the rental market. What’s the damage of a potential second wave?

Thu, 16 Apr 2020 06:16:00 +0000

As March 23 becomes further and further away, Alan Kohler is joined this week by Principal of Minack Advisors, Gerard Minack, to ponder whether we have in fact, seen the bottom. They also question the IMF’s bullish economic outlook and dissect how a potential second wave of COVID-19 might impact Australia socially and economically.

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Battle lines drawn between industry and regulators on crisis management. Are capital raising at bargain prices? The mystery of the $100 notes.

Thu, 09 Apr 2020 06:14:00 +0000

Analysts have started to try and call the bottom, but could we see a bear market rally or just a dead cat bounce? James and Alan discuss the latest market data in this week's episode, along with the true value of PE ratios in the absence of guidance, the dilemma residential landlords find themselves in, and the curious popularity of $100 notes in Australia's circulation.

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Industry super funds' defining moment. And the Jobkeeper package winner is... JM.Keynes! Bargain capital raisings on the way.

Thu, 02 Apr 2020 05:03:00 +0000

In this week’s isolation podcast, Alan Kohler and James Kirby unpack the government’s extraordinary JobKeeper package, the impact it will have on future budget deficits and marvel at technological developments being used while in isolation.

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Which stocks might bounce first? Day of reckoning for the fund management industry. Why you need to be consistent in your approach

Thu, 26 Mar 2020 06:18:00 +0000

In this week's isolation podcast, James and Alan look at where the big money is hovering ahead of the recovery, wonder how fund managers can withstand the market crash, and answer a swag of listener questions.

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After the rate cut: stimulus on steroids. Why you should avoid cashing in super. Can airlines steer through market turbulence.

Thu, 19 Mar 2020 03:39:24 +0000

The Money Cafe has gone remote, so it's now a BYO coffee affair. In this week's episode James and Alan ponder the current state of affairs facing the markets with coronavirus front and centre for investors, look at whether to switch your superfund to cash, and contemplate when the market might begin to show signs of recovery.

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Stimulus struggles for cut through. Will oil stocks ever recover? What to do with my son the wannabe millionaire.

Thu, 12 Mar 2020 04:55:00 +0000

Indiscriminate sell-offs have swept through the ASX, but what companies can be seen as reasonable prospects in a recovery? James and Alan pick through the latest market dramas, and answer a few listener questions.

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Markets crisis special edition. Everything you want to know about the shares rout and what it might mean.

Tue, 10 Mar 2020 04:50:00 +0000

Emergency edition! James and Alan sit down for an extra coffee to discuss a dramatic few days on the market, and what could come next for the nation's toilet paper stockpiles.

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Boom or bust – the dilemma ahead for sharemarket investors. We name the stocks that have defied the correction. Golden opportunities. The bidet bonanza.

Thu, 05 Mar 2020 05:27:00 +0000

Alan Kohler and James Kirby catch up in the chaos of this week to make sense of the market correction and whether it is a buying opportunity. They also question the toilet paper hysteria and look at the appeal of buying gold ETFs, plus much more.

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Are we talking a global recession now? Rio confirms it – mining dividends are for real, Crown casinos looking cheap

Thu, 27 Feb 2020 05:17:00 +0000

After a turbulent week in global markets, Alan and James discuss how deep and how long this coronavirus hit will last and question whether a global recession is now inevitable. They also discuss the feasibility of using the big three miners as income stocks, plus much more.

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Why the coronavirus is good for markets. Australia's wave of wage scandals. What's behind the local software sell-offs?

Thu, 20 Feb 2020 04:57:00 +0000

After a brief dip, the ASX has resumed its soar towards blue skies despite global fears over the impacts of coronavirus. Could the disease actually be a good thing for markets? Alan and James discuss this, along with a disappointing start to earnings season and the latest spate of wage scandals on The Money Cafe this week.

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Blind bullishness takes hold on ASX. AMP’s infuriating bonus bump. Sayonara to the Calombaris empire

Thu, 13 Feb 2020 05:48:00 +0000

After a revealing week of reporting season, Alan Kohler and James Kirby catch up on The Money Café to discuss the fallout from AMP’s dividend cut, CSL’s continued dream run and CommBank’s surprising profit results.

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The stocks that will swing markets this earnings season. Why are investors flocking to gold? Tesla shocks the shorts.

Thu, 06 Feb 2020 04:38:00 +0000

What does it mean when markets are forging on while analysts predict a serious coronavirus shock? Alan thinks this is a sign of perverse markets, and James has an eye on the stocks that will determine the fate of many investors this earnings season.

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Can markets contain coronavirus panic? Australia: home of the world's dearest exchange. Three takeover targets to watch.

Thu, 30 Jan 2020 04:58:00 +0000

James and Alan reconvene the Money Cafe for another year with coronavirus fears swirling in the air. Will an epidemic force a recession in China and a broader market plunge? Analyst models have painted a pessimistic picture of the year ahead for Australian investors, but Alan isn't sure how much that really matters. And, of course, listeners have their say with some loquacious submissions.

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2019's fliers and flops. At last, some super data. What's more likely: inflation rise or asteroid strike?

Thu, 12 Dec 2019 04:38:00 +0000

The Money Cafe wraps up a big year in business by reflecting on the wins and dramatic failures, and trying to get through as many listener questions as possible. Many thanks to all of you who listened and wrote in this year, and best wishes for a happy and healthy holiday period. We will resume transmission at the end of January.

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Rate cuts coming to an end? Japan stops the shorts. Australia's property recovery: nuts or nice?

Thu, 05 Dec 2019 04:54:00 +0000

After a week where markets fell out of bed, what will a fresh decade bring? James and Alan discuss rates, houses, markets and more in this episode of The Money Cafe.

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Westpac's unforgivable indifference. What's to celebrate in a new ASX record? High drama at Harvey Norman AGM.

Thu, 28 Nov 2019 05:39:00 +0000

It's been a week of highlights for the ASX and lowlights for Westpac. James and Alan chew over the fallout from the major bank scandal in this week's Money Cafe, as well as Gerry Harvey's fierce performance at the Harvey Norman AGM, the impact of recent RBA speeches, and the outlook for gold.

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What's the value of a charismatic CEO? Household debt stress a GFC throwback. How to jump into small caps, safely

Thu, 21 Nov 2019 04:24:00 +0000

James and Alan have packed up the Money Cafe and taken it to Sydney for their first live podcast! In this episode they discuss the tug between stimulus and surplus, whether boomers will have to work forever, the long-term outlook for rates and the murky merits of a charismatic CEO.

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Does Afterpay deserve a tick or a kick? Australia's unhappy financial marriages. Could a bear market be good news for battling fund managers?

Thu, 14 Nov 2019 05:18:00 +0000

With a new boss at the big Australian, James and Alan begin their conversation in the Money Cafe this week by weighing up the merits of internal promotion in large companies. They also ponder Afterpay's change in fortune, the latest in Chinese interest in Australian property, and the country's financial mansplainers.

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The Money Cafe hits a million downloads! Are Australian banks stuffed? Why you shouldn't - ever - take investing advice from your tax agent.

Thu, 07 Nov 2019 05:02:00 +0000

It's drinks all round at the Money Cafe this week as James and Alan toast a million downloads, wonder about the long-term outlook for Australian banks, not the inconsistency between what the RBA and the government is saying about the economy, and stress the difference between a tax agent and a financial adviser.

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Why punters are being steered away from the track. What hope for the next crop of advisers? The winners and losers among Australia's richest.

Thu, 31 Oct 2019 04:56:00 +0000

The Australian's John Stensholt joins Alan in The Money Cafe for a spring update on the list of the nation's wealthiest, as well as a look at the state of horse racing, and a grab bag of listener questions.

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Standing up for shorts.The incredible shrinking AMP. The hard to believe housing rebound.

Thu, 24 Oct 2019 06:34:00 +0000

James and Alan begin this week's Money Cafe with a little remeniscing about the Black Thursday crash, before moving on to discuss the state AMP, shorters, and a local housing market in remarkably rude health.

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Introducing: On the Fence, a new property podcast from The Australian

Wed, 23 Oct 2019 00:49:00 +0000

The Australian's economic editor Adam Creighton drops into The Money Cafe feed to introduce a new podcast about Australia's property obsession. To hear more, search for On the Fence in your podcast app.

With prices in major capital cities racing away again, rentvesting is now returning as an alternative for those struggling to afford high prices.

In this episode we look at the property market through the eyes of some very savvy investors, one a property mogul and the other a share market whiz.

If you took the emotion out of property and looked at it from a rational financial perspective, would you buy or rent and invest?

Host: Adam Creighton, Economics Editor of The Australian

Guests: Margaret Lomas, Destiny Financial

Steve Johnson: Forager Funds Management

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Why the IMF and its global growth forecasts are way off. A stake through the heart of financial adviser commissions. What links a revolving door, a pokies king and an asthma device?

Thu, 17 Oct 2019 05:00:00 +0000

The IMF's latest update casts a gloomy shadow over this week's Money Cafe, in which James and Alan also discuss the next steps for Brexit, and Trump's smokey China trade deal.

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How to get a bite of the alternative meat craze. The WeWork killer sets his sights on Afterpay. Is paranoia the best reason to keep your money in a bank today?

Thu, 10 Oct 2019 00:52:00 +0000

Where's the beef in this week's Money Cafe? Alan and James talk fake burgers, the market giving up on AMP, the factors that will govern the success of buy now/pay later companies.

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How low will rates go? Why bond funds are making big money. What share market sectors still offer value? Why you need to make 20% more salary in Sydney

Thu, 03 Oct 2019 06:20:00 +0000

James Kirby is joined by Evan Lucas in this week’s episode of The Money Café, where the duo discuss what the catalyst might be to bring rates back up, how to adjust for a low yielding environment, property trusts, and churn through a number of listener questions.

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Bulls and bears alike are conflicted on Trump. Is the WeWork flop a sign of the top? Re-writing old wisdom on cash and retirement.

Thu, 26 Sep 2019 06:30:00 +0000

Brexit strife and impeachment speculation abounds but markets don't seem particularly fussed. But what impact could a Trump departure have for American investors? Alan and James ponder this in this week's episode of The Money Cafe, along with how negative gearing has played a role in shoddy residential developments, and the troubled WeWork IPO. Also addressed: a swag of listener feedback about last week's CGT-gate controversy!

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Digging in on virtue signalling. Huh! Why US interest rates jumped. Does audit insurance pass the sniff test?

Wed, 18 Sep 2019 04:30:00 +0000

In this week's Money Cafe, James and Alan dive into the heated debate of corporate leaders taking social stances, explain America's sudden rate spike, and lay out the potential capital gains tax implications of a takeover deal for shareholders.

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Should the tax office be regulating SMSFs? David Teoh's photo opp. What to do with $10 million?

Thu, 12 Sep 2019 06:00:00 +0000

This week on The Money Café, Alan Kohler and James Kirby look into why the ATO is meddling with SMSFs, debate whether an accountant or financial adviser is better equipped to manage your money, and dive into why apartment approvals are down 40 per cent.

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What kind of investing world are we living in? Auction clearance rate warning. Watch sterling bounce as Boris get pounded.

Thu, 05 Sep 2019 07:08:00 +0000

With conflicting signals and tensions frayed, the first order of business for James and Alan this week is figuring out just what world we're living in. With that covered, they move onto auction clearance rates, Gerry Harvey, and some firm rebuttals from listeners.

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The ASX's best performing stock you can't name. Why bond ETFs are outperforming bonds. Time to look at 'real assets'...but what are they ?

Thu, 29 Aug 2019 05:52:00 +0000

What does the endgame of a global trade war look like? James and Alan tackle the questions driving anxiety around the globe in this episode of The Money Cafe, along with the resilient Afterpay, and the latest outrageous play from Boris Johnson.

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German bond bust hints at a bubble. Trump's Greenland gambit. Is it time to size up bear ETFs?

Thu, 22 Aug 2019 06:00:00 +0000

Negativity looms large once again in the Money Cafe, thanks to fresh news from the German bond market? Are we all totally rooted? Alan thinks so, James is more circumspect. Also discussed: the Donald's latest power play, discounted LICs and bear ETFs.

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Will negative interest rates bring on a crash? How to hedge. Is this the end of the Hong Kong market?

Thu, 15 Aug 2019 06:37:00 +0000

James is back on deck in the Money Cafe in a week of global drama and market turbulence. So what's next? He and Alan discuss AMP, Magellan, hedging, negative rates and a swathe of listener questions.

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A negative outlook on interest rates. Chinese pigs and the US trade war. The pitfalls of interstate property.

Thu, 08 Aug 2019 06:39:00 +0000

Robert Gottliebsen joins Alan Kohler this week in the Money Cafe for a lively chat about China, America, trade wobbles and property investment.

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How Australia's top financial adviser is positioning her clients. What to know before buying gold bullion. How much super is enough?

Thu, 01 Aug 2019 06:57:00 +0000

Today Alan Kohler is joined by Sue Dahn, who topped The Australian's list of Australia's top 50 financial advisers, to discuss how and why the financial industry is changing, why the Fed cut left some people disappointed, how long will the good times last, as well as answer a number of listener questions.

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Will Apple take control of Tesla? The ASX's healthy high. Tips for generation z investors.

Thu, 25 Jul 2019 06:30:00 +0000

Steve Sammartino, author and futurist, joins Alan Kohler in this week’s episode of The Money Café to discuss Facebook, Tesla, Apple, the ASX and its new high, as well as answer a number of listener questions.

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Is APRA short staffed? How advisers react to lower rates. Is AMP a target of private equity?

Thu, 18 Jul 2019 06:09:00 +0000

This week on The Money Café, Dr Doug Turek, Managing Director and Principal Adviser of Professional Wealth joins Alan Kohler to discuss Graeme Samuel’s review into APRA, whether the RBA has overstepped its mark, and answer a sizeable amount of listener questions.

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Afterpay's uptown support. RM Williams: ethical, iconic, overpriced? It's as tax reduction not a tax deduction.

Thu, 11 Jul 2019 05:29:00 +0000

With rate cuts looming and housing affordability looking strong, cash is on everyone's mind in this episode of The Money Cafe? Aside from many reader questions on where to spend it, Alan and James discuss Afterpay, the question to ask your super fund, and why the economy is looking good for investors.

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What the hell is deeming and why does it matter? Australian trade can forge ahead despite foreign tensions Yes...it's time to buy a house

Thu, 04 Jul 2019 05:41:00 +0000

Alan is back with James in the Money Cafe this week, and ready to thaw out by figuring out the finer details of deeming, what he learned about Brexit, and explain why he'd be putting his cash in housing.

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Could rate cuts force some rash cash withdrawals? The point at which a lower dollar will hurt. The questions to ask before hiring a mortgage broker.

Thu, 27 Jun 2019 06:41:00 +0000

Evan Lucas from InvestSMART joins James in The Money Cafe this week for a lengthy chat on the state of the economy, where rates are going, and how investors can respond.

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Wealth advice for millennials. Are 'education bonds' for real? Why a finance adviser might turn you away.

Thu, 20 Jun 2019 07:10:00 +0000

It's a double James week on The Money Cafe, as J Kirby is joined by J Gerrard, financial adviser, for a substantial look at his investing philosophy.

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Your insurance in super may be in jeopardy. How much is enough to start a SMSF? AMP... what to do?

Thu, 13 Jun 2019 06:02:00 +0000

This week on The Money Cafe, James is joined by financial adviser Bruce Brammall to discuss the urgent matter of super insurance, the tricky matter of picking the right financial advice, and a series of tricky listener questions.

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What to do if you've got $250,000. A realistic timeline for a property recovery. Tactical tilts from Will Hamilton

Thu, 06 Jun 2019 05:00:00 +0000

Financial adviser Will Hamilton joins James in The Money Cafe for a chat about the outlook for a SMSF renaissance, the property landscape, and a series of tricky listener questions.

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How many interest rate cuts did you say? Huawei and the new economic cold war. How to buy Baidu

Thu, 30 May 2019 05:55:00 +0000

This week on The Money Café, James Kirby and Alan Kohler discuss the future direction of the RBA, whether Melbourne is becoming the finance capital of Australia, the new economic Cold War, and much, much more.

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Hurry up with the tax cuts says RBA. Tesla's silly valuation. How much did Clive Palmer invest in each vote?

Thu, 23 May 2019 06:00:00 +0000

What's left to talk about after Labor's policy platform evaporated? James and Alan turn their minds to the wake of the federal election, the prospect of taxing retirees, the Huawei ban and Tesla's valuation.

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How the first home buyer scheme works. Has the Uber float changed course? Making money from fake meat

Thu, 16 May 2019 05:35:00 +0000

One the precipice of the Federal Election, James and Alan discuss the last minute first home buyers scheme, the certainty around a coming rate cut, Uber's bumpy ride and much more in this episode of The Money Cafe

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It's Sims, not TPG, that's gambling. Why the RBA doesn't matter. Can you time the market?

Thu, 09 May 2019 05:49:00 +0000

A blocked merger, a rate hold, and a broken deal dominate this week's agenda on The Money Cafe, although Alan also finds some time for a chat about snooker. Also discussed: the value of GDP, Egyptian investing, and a story with real bite.

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Are unicorns enjoying the last of the bull run? Why the RBA has lost its power. Will Wall St light a fuse on the ASX? Crazy coffee prices and It's time to audit the auditors

Thu, 25 Apr 2019 01:15:00 +0000

This week on The Money Café, James Kirby and Alan Kohler discuss Beyond Meat and other billion dollar stocks, question whether Scott Morrison is doing deals with Clive Palmer, discuss Wall Street hitting its highest closing on record, answer listener's questions and much more.

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Has the housing market finally bottomed out? Is super growth slowing down? Westpac goes solar!

Thu, 18 Apr 2019 05:57:00 +0000

This week on The Money Café, James Kirby and Alan Kohler discuss Bill Shorten’s changes to superannuation, question whether the property market has finally bottomed out, Westpac’s solar play, answer a number of listener questions and more.

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Why did Wynn walk away from Packer? Hayne's last stand. Electric car dreams.

Thu, 11 Apr 2019 05:56:00 +0000

Lock up your utes! This week on The Money Cafe James and Alan look at the electric talking point of the week, the legal fight over financial advice trailing commissions, the Crown leak, and another big slab of listener questions.

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Just how reliable are Federal Budget forecasts? The future of oil companies. Will there be an investor rush to beat negative gearing rules?

Thu, 04 Apr 2019 05:07:00 +0000

James and Alan return to their usual digs in Melbourne at the end of a big budget week to discuss what it all meant, and what Ian Narev might be Seeking at his new employer. Also covered: approximately one thousand listener questions.

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Searching for reality in the 2019 Budget lockup

Tue, 02 Apr 2019 08:53:00 +0000

Alan and James sit down by the coffee cart in the 2019 Budget Lockup to pick through what matters in Josh Frydenberg's announcements.

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Banks playing games with 'responsible lending'. The yield curve and you. Is portfolio rebalancing nonsense?

Thu, 28 Mar 2019 05:11:00 +0000

This week on The Money Cafe, James and Alan wonder about where SMSF investors will turn for funds when the banks turn off the tap, and look towards the federal budget next week. Also: what should we make of an inverted yield curve?

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RBA doublespeak on the banks? Doing the maths on CGT changes. Why the dollar is going up again.

Thu, 21 Mar 2019 05:08:00 +0000

This week in The Money Café, James Kirby and Alan Kohler discuss the US Federal Reserve’s decision that rates will remain on hold and what that might mean for the RBA. There’s also a lively chat about responsible lending and falling house prices, and the dynamic duo respond to a number of listener questions.

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The ten-bagger buy now pay later IPO. Where will the next GFC come from? Is Brexit a danger for global markets?

Thu, 14 Mar 2019 05:13:00 +0000

This week in The Money Café, James Kirby and Alan Kohler discuss the resurgence of coal, the latest Brexit dramas, the triumph of mortgage brokers, bond yields, and answer a number of questions from loyal listeners.

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Why the market sees two interest rate cuts coming. Is the NAB fraud case an SGC issue? Dividend stripping and ETFs.

Thu, 07 Mar 2019 05:34:00 +0000

This week in The Money Café, James Kirby and Alan Kohler ponder where to next for interest rates, dig into a former NAB senior staffer’s lavish lifestyle, debate the industry super fund flex, and power through a big bag of listener questions.

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Industry funds - the steamroller without brakes. Open banking coming to a phone near you. Coal - the money keeps pouring in.

Thu, 28 Feb 2019 03:35:00 +0000

In the 100th episode of The Money Cafe, James and Alan discuss new banks, old coal and the midnight text at the centre of an ugly corporate fight.

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Why shopping centres will be better off without department stores. The week house prices hit consumer wallets. Can Coca Cola do a turnaround?

Fri, 22 Feb 2019 00:24:00 +0000

Eli Greenblat joins James Kirby in The Money Cafe for a big catch-up on retail earnings and trends. Topics discussed: a post department store future for shopping centres, how supermarkets are feeling the housing pinch, Coke, Afterpay and listener anger on Labor's agenda.

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Home loans credit freeze. No hope for Telstra. Collectables: is it investing or collecting?

Thu, 14 Feb 2019 05:03:00 +0000

This week in The Money Café, James Kirby and Alan Kohler question whether there’s still a need for mortgage brokers, wonder whether Andy Penn from Telstra can turn the company around, and ponder a strange listener question…investing in Lego.

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How much did Hayne actually miss? The RBA changes its story. Negative gearing changes countdown.

Thu, 07 Feb 2019 04:33:00 +0000

This weeks podcast is focused on the wake of the Hayne report recommendations, as James and Alan wonder if a golden opportunity was missed on financial advice, and what the news means for Australia's big banks.

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Hoping Hayne is as tough as he sounds. Brexit - can this story end anything but badly? TPG's big call.

Thu, 31 Jan 2019 04:26:00 +0000

Alan and James are back for a new year of Money Cafe podcasts, and kick things off with a discussion of the shambolic state of Brexit, what Monday's Royal Commission release could hold, and the key measures we should use when measuring housing affordability. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod.

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The year ahead - Who to believe? Big guns join the bank bashing, Huawei and TPG

Thu, 13 Dec 2018 04:45:00 +0000

On The Money Café this week, James Kirby and Alan Kohler discuss the big four banks and the fallout from the Banking Royal Commission, Huawei, the outlook for 2019, and burn through a number of listener questions.This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod.

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What planet is the RBA on? How bad is the interest-only loan problem? The seven year old on $22m a year.

Thu, 06 Dec 2018 04:39:00 +0000

Big news this week in the Money Cafe, as Alan Kohler discusses his new job title. Other (less significant) news covered: the RBA's stance on the economy, why you can't trust real estate agents on the housing market, interest-only loans, and the children making millions reviewing toys. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Is that a Santa rally coming down the chimney? How bad was Ken Henry really? Dave Sharma's second life.

Thu, 29 Nov 2018 04:37:00 +0000

It's been a rough year for Australian investors, but could a Santa rally sweeten things? James and Alan toss up the coal and the presents in this week's Money Cafe, and discuss Ken Henry's performance at the Royal Commission, the state of Afterpay, and Dave Sharma's new gig. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Minute by minute we lose faith in CBA. Why is Coles worth less now than when Wesfarmer bought it? What's so great about Aldi anyway?

Thu, 22 Nov 2018 05:20:00 +0000

This week on The Money Cafe: stepping to observe and appreciate the Royal Commission, wondering what's next for Coles as it returns to the ASX, and where Labor's franking credits policy could end up. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Peak Apple? The good oil on lower crude prices. Keating versus Daley - not happy Paul.

Thu, 15 Nov 2018 04:44:00 +0000

There's no shortage of panic around Australia's housing market, so Alan and James try to allay these fears by guessing just how far things could fall this week on The Money Cafe. Also discussed: a labourer drought, how to invest in the uranium boom, and where the next iPhone buyers are hiding. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Get out and vote, super funds! Is CSL cheap? Why the US midterms mean zilch for us.

Thu, 08 Nov 2018 04:51:00 +0000

This week on The Money Cafe, James and Alan discuss the impacts of America's midterm elections, some expensive stocks that may have become a bargain, why NAB has broken open the piggy bank to pay its dividends, and a whack of listener questions about franking credits. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Are you game to go back into this market? The franking credits controversy

Thu, 01 Nov 2018 00:53:00 +0000

This week in The Money Cafe, James Kirby and Alan Kohler discuss the sharemarket, Kogan, the banks, the franking credits controversy, the US midterm elections and more. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information.

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Frightening falls give Australia'a rich list a haircut. Would you want a daily update on your wealth? Super funds: bankrolling a mall near you.

Thu, 25 Oct 2018 05:38:00 +0000

This week in The Money Café, Alan Kohler and special guest John Stensholt – Rich Lists Editor at The Australian, chat about the stock market correction, Rich Listers James Packer, Anthony Pratt and the Atlassian duo, and churn through a bunch of listener questions ranging from ETF’s to non-bank lenders. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Is Telstra talking down the price of the NBN ? What is the unemployment rate....really?

Thu, 18 Oct 2018 04:35:00 +0000

Halloween is just around the corner, and markets are looking suitably scary. James and Alan discuss how banks could be to blame for much investor woe this year, Telstra's interest in an NBN sale, unemployment data and much more on this week's episode of The Money Cafe. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Is that a bell we hear ringing for the top of the market? Bankers' bedside manners. Investing in kids' names.

Thu, 11 Oct 2018 05:04:00 +0000

Markets were flashing red this week as James and Alan sat down to record at The Money Cafe. There was plenty to discuss about where things may be headed, as well as a bumper crop of IPOs, a potential bill for the banking royal commission, and stacks of listener questions. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information. Music during Kyle's preview by Kevin MacLeod

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Bouncing bond yields will push down the dollar. Magellan minus Mr Douglass. Tim Wilson's Royal Commission.

Thu, 04 Oct 2018 05:57:00 +0000

On this week's Money Cafe, James and Alan say goodbye to the banking royal commission and hello to a new world of volatile bond yields. Also discussed: the sense of any potential Myer buyer, Alan's big election focus, and a swathe of super listener questions. This week’s podcast was brought to you in partnership with IG, a world leader in online trading, offering you access to over 15,000 global markets. Visit www.ig.com.au for more information.

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Why the entire ABC board is in trouble. Would you take a loan for your root canal? Why the government will soon be throwing money at you.

Thu, 27 Sep 2018 06:02:00 +0000

James and Alan spend this week's episode chatting about the ABC, arguing about SMSF lending, and discussing the prospect of some cash being splashed ahead of next year's federal election.

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Who are the likely casualties of a trade war? Are aged care stocks now a no-go area? Behind NABs executive pay reform plan.

Thu, 20 Sep 2018 06:30:00 +0000

James and Alan fly through a packed agenda in this week's episode of The Money Cafe, covering Trump's trade war antics, an aged care debacle, Labor's pitch to female workers, and a mountain of listener questions.

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The danger of Royal Commission fatigue. What really triggered the GFC? The man monstering Myer.

Thu, 13 Sep 2018 06:56:00 +0000

This week's episode features reflections on the global financial crisis, a focus on life insurance at the banking Royal Commission, analysis of Myer's strategy, and a couple of special guests.

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Is there a pre-election mini-Budget on the way? As good as it gets on the GDP. Behind the retirement backflip.

Thu, 06 Sep 2018 05:53:00 +0000

Politics, pensions and (GD)P are all on the menu in this week's episode of The Money Cafe. Also discussed: the new online utilities that are getting frighteningly large, the state of charitable investing, and a swag of listener questions.

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How did you super do this year? Why did TPG give up its ambitions? Trump versus Google: the reality

Thu, 30 Aug 2018 05:47:00 +0000

Alan and James reunite for a rapid fire discussion of super returns, Labor's tax revolution, and the state of Australia's telco sector.

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The beef on the best agri-investments. Why the drought hardly matters to some ag stocks. Superstar stock A2 milk is not what it seems.

Thu, 23 Aug 2018 05:05:00 +0000

The Australian's rural reporter, Sue Neales, jumps into the Money Cafe for a special episode on all things ag. What separates the cream from the crap in Australia's regional companies, and where should investors be looking for the next crop of success stories?

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Crisis in Turkey: is it over or just about to begin? At $216 a share is CSL overpriced? Another Spaceship super mystery.

Thu, 16 Aug 2018 05:40:00 +0000

Alan and James reunite in the Money Cafe this week for a meaty chat about financial crises abroad and the ongoing Banking Royal Commission in Australia. Also covered: wage growth, migration, online fashion and CSL.

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Has ASIC been a 'poodle' regulator? Crown finally reveals its pokie numbers. Huh! AGL triples profits and the share price falls

Thu, 09 Aug 2018 05:46:00 +0000

This week Stephen Mayne steps into The Money Cafe to join James Kirby for a discussion of a massive week in the royal commission, and what it means for many financial institutions.

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The FAANG stocks; Apple goes from strength to strength; and the open question of Telstra's future

Thu, 02 Aug 2018 06:19:00 +0000

In this edition of The Money Café, Alan Kohler and special guest Supratim Adhikari, tech editor at The Australian, talk all things FAANGs, and unpack the wobbly state of Telstra.

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Nine's offer for Fairfax Media to take control of Domain and Stan, Facebook isn't cool anymore and shares fell 25 percent in one day and Amazon's success has been Kogan's pain

Thu, 26 Jul 2018 08:50:00 +0000

Alan Kohler and guest David Swan, technology reporter for The Australian, discuss the Nine-Fairfax merger as a digital play. Facebook shares fell 25 percent in one day and Amazon’s going gangbusters.

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ACCC boss Rod Sims gets bolshy, does jobs growth mean higher wages and will the government crack down on industry super funds?

Thu, 19 Jul 2018 08:41:00 +0000

Alan Kohler and guest co-host John Durie also ask when don’t executives get bonuses? What’s keeping CEO salaries down and how there's more men named Andrew than women in ASX100 listed companies.

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What credit crunch? Elon Musk and limits of corporate sponsorship and do you really trust Aldi that much?

Thu, 12 Jul 2018 09:07:00 +0000

The ACCC wants to regulate the energy market, Wayne Byers claims there’s no credit crunch and the decline in lending hasn’t led to a decline in residential construction thanks to immigration. Alan and James discuss consumer confidence being up thanks to talk of tax cuts, Aldi dethroning Qantas as the most trusted brand and Elon Musk's submarine to the Thailand cave rescue.

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Aussie shares are ready to rebound. Has the SMSF sector reached a plateau? The battle to bury trailing commissions.

Thu, 05 Jul 2018 10:39:00 +0000

Why have Australian analysts changed their mind on the market's short term future? Alan and James discuss where mortgages are headed, whether trailing commissions can ever be killed, and how millennials are being wooed by financial institutions.

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Can online retail finally deliver for investors? The next Aldi eyeing off Australia. Gerry Harvey's secret weapon for a retail fight.

Thu, 28 Jun 2018 05:52:00 +0000

Retail reporter Eli Greenblat joins The Money Cafe this week for a special discussion of department stores, supermarket price wars, online marauders and more. Which companies does he love, and which does he doubt?

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Why the sharemarket is pushing higher. Telstra's perfect storm.

Thu, 21 Jun 2018 05:55:00 +0000

Even a huge round of layoffs couldn't save Telstra from investor ire this week, but will Jame and Alan make of the mess that Australia's largest telco finds itself in. Elsewhere, they examine the other telco CEO who makes Andy Penn's problems seem simple by comparison, and the 99 year old back at the helm of the listed company he founded.

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Should we worry about selling our gas network to Hong Kong? Here come the rate rises. How financial adviser Terry McMaster has made history.

Thu, 14 Jun 2018 05:58:00 +0000

What do you need to do before the end of financial year? James and Alan give you their tips on this week's episode, along with a lengthy discussion of foreign takeovers, where rates are heading (and how investors should respond) and some advice for Australia's kinder hearted financial advisers.

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Five favourite funds. Why global share markets are moving higher. Stagefright or something worse - online lender Prospa perplexes

Thu, 07 Jun 2018 06:02:00 +0000

Are we living in an age of financial malfeasance or bolstered regulation? James and Alan debate the regulatory landscape, what Ruslan Kogan could have in store, the trajectory of global markets and Alan names his favourite funds on this week's Money Cafe podcast.

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Why we like Google. Super myth busting. Italy...and you think our coalition has problems.

Thu, 31 May 2018 06:14:00 +0000

This week James and Alan pick through the wake of the productivity commission's massive report in Australia's superannuation system, wonder about the prospect of an Italian exit from the Euro and marvel at what private equity can do when they get their hands on an IPO

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Have we reached 'peak franchising'? Why we lag China on electric cars. Would you pay a financial adviser $2000 a month?

Thu, 24 May 2018 05:42:00 +0000

This week in The Money Cafe James and Alan discuss the sad stories that have emerged from the small business sessions at the Royal Commission, wonder about the outcome of Westpac's bank bill swap rate case, point to the warning signs around Australian franchises and mark the birthday of an aging rock star.

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The trouble with Telstra. The Tesla big short. The class action gravy train picks up steam.

Thu, 17 May 2018 05:14:00 +0000

This week in The Money Cafe, James and Alan pick through the last entrails of the 2018 Federal Budget, puzzle over the future of some of Australia's biggest stocks, and take on another batch of fiery listener questions.

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Is it really the time to cut ASIC's budget? The real reason government revenue bounced in the budget. Lonely Planet's long road to irrelevance

Thu, 10 May 2018 05:43:00 +0000

As the washup from the 2018 Federal Budget recedes, James and Alan pick through the numbers and wonder about the revenue outlook for Australia, why the government cut ASIC's budget in the middle of a massive financial scandal, and deal with some spicy listener questions.

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A budget special from inside the lockup

Tue, 08 May 2018 09:46:00 +0000

Money Cafe inmates James and Alan discuss the ins and outs of the 2018 Federal Budget from inside the lockup

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Why bank stocks are rising through a crisis. Tesla automates cash incineration

Thu, 03 May 2018 05:52:00 +0000

The fallout from the banking royal commission continues to rain down but the market hasn't been fussed. Bank stocks are rising while public opinion plummets. What's going on? James and Alan discuss what could come next for our nation's biggest financial institutions, and unpack a large parcel of listener questions on this week's episode of The Money Cafe.

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Success of the Royal Commission starts to bite the banks. Don't care about US bond yields? You should.

Thu, 26 Apr 2018 05:36:00 +0000

This week in The Money Café, James Kirby and Alan Kohler talk budget leaks, the Banking Royal Commission, the US 10-year bond yield, and question whether it’s time for a customer banking revolution.

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Bonus Royal Commission special with Ben Butler

Mon, 23 Apr 2018 07:39:00 +0000

Ben Butler jumps behind the microphone with James Kirby for a special emergency podcast to discuss all the latest news to spill out of the banking royal commission in Melbourne.

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The worst days yet at the Royal Commission. Where are the Budget leaks this year? Is the ATO out of control?

Thu, 19 Apr 2018 05:51:00 +0000

On this week's podcast, James and Alan discuss the latest controversies spinning out of the banking Royal Commission, the outlook for Blue Sky, the latest word from the RBA and some clear answers for curly listener questions.

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The 200,000 download party episode . Can Blue Sky survive the shorts? Zuckerberg's bum testimony.

Thu, 12 Apr 2018 05:34:00 +0000

This week James and Alan discuss everything under pressure and besieged: Blue Sky, Afterpay, Mark Zuckerberg and even the very idea of a tariff war between the US and China.

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The phoney US-China tariff war. Why tech stocks are suddenly on the nose.

Thu, 05 Apr 2018 05:39:00 +0000

If a trade war starts but markets don't panic, did it ever really happen? Alan makes his return to the podcast this week to pick through a manure load of business and finance news, including a fresh coal fight, shorting, and a dramatic downturn for tech stocks.

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Why did Rio quit coal and is CSL our greatest company?

Thu, 29 Mar 2018 06:00:00 +0000

This week in The Money Café, James Kirby, Wealth Editor at The Australian and Stephen Mayne from The Constant Investor discuss issues facing shareholders and more.

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Bank Inquiry Special : The scandals we never knew.

Thu, 22 Mar 2018 05:54:00 +0000

The Financial Services Royal Commission takes centre stage in this week’s Money Café. Ben Butler, Business Reporter for The Australian joins James Kirby, Wealth Editor at The Australian to discuss what the big four banks have been up to. James also goes through a number of listener questions regarding ETFs.

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What is Bill Shorten really planning for pensioners? Up Next: the US v China IP tariff war. The gym instructor flogging home loans.

Thu, 15 Mar 2018 04:38:00 +0000

The Australian Labor Party has floated a range of economic proposals during their time in opposition, why did this week's franking dividend announcement unleash hell? James and Alan discuss why it was a political mistake, as well as the latest Trump, Myer, and bitcoin news. Listeners also chime in with another round of debate about ETFs.

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What to expect from Amazon in Australia. Could Trump Kick-off a trader war? (You bet he could). What's wrong at Harvey Norman?

Thu, 08 Mar 2018 04:01:00 +0000

This week's episode is (almost) all about retail, with The Australian's Eli Greenblat filling in for Alan Kohler. He and James run through Amazon, Myer, Harvey Norman and much more as they answer a healthy crop of reader questions.

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Has the world left Harvey Norman behind? Is the market's 'double top' a bad omen?

Thu, 01 Mar 2018 04:53:00 +0000

Covered in this week's show: the eerie signs of what could lie ahead for the ASX, a wake up call for Harvey Norman, tossing up the concept of a golden era for ag stocks, a signifcant fact check from a listener, and more ETF debate.

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Immigration and unemployment - a new theory. What wages growth? RBA late to the party on interest only loans

Thu, 22 Feb 2018 04:30:00 +0000

Where do the financial facts lie in the coalition's war of words over immigration? James and Alan discuss this week's round of political ructions, as well as the prospect of wages growth in the future, the RBA dragging its feet on interest only loans, the fight over SMSFs investing in property and BHP's PR battle.

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Barnaby Joyce's new financial reality. Will Myer Go Broke? Betting on a belter of a bank inquiry.

Thu, 15 Feb 2018 05:06:00 +0000

James and Alan cast their eye over a week of high drama that resulted in Richard Umbers being shown the door and Barnaby Joyce taking leave of parliament. Also discussed: whether ETFs are a waste of time, the banking royal commission and bitcoin.

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Who's to blame for an ugly week on the ASX? The truth behind Elon Musk's pay packet. Bitcoin's true believers are back in the market

Thu, 08 Feb 2018 05:03:00 +0000

When American markets sneezed on Tuesday, Australia caught a bad cold. So why did some big name stocks get left behind in the rally? James and Alan unpick a gory week for traders, Tesla's penchant for publicity stunts and the outlook for Bitcoin on this week's podcast.

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Trump, 'little rocket man' and a nervous sharemarket. No time to be buying CBA. Why Facebook bans Bitcoin ads.

Thu, 01 Feb 2018 04:36:00 +0000

Trump rattles the saber, and now a preemptive strike seems possible. But James and Alan think the bigger picture is US-China relationship. This week they also talk about the new head of the CBA, electric cars, and ask why Facebook is banning ads relating to cryptocurrencies.

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Why the dollar is rising. Why Facebook is fast losing friends. How David Jones signals trouble ahead.

Thu, 25 Jan 2018 05:15:00 +0000

Is there reason to cheer when one of Australia's biggest shorts wins out? James and Alan discuss the washup of the Quintis saga, the outlook for local currencies, pricing Australian retail outlets and much more on this week's episode.

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How Amazon helped an Australian retailer double in value. Can a bitcoin crash be contained? The common factor in the ASX's biggest winners of 2017.

Thu, 18 Jan 2018 05:03:00 +0000

The Money Cafe resumes service for 2018 with a bumper helping of bitcoin debate, as well some prognostications for the year ahead on stock exchanges in Australia and abroad.

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Crystal balls and bags of poo - what's ahead In 2018 ?

Thu, 14 Dec 2017 05:06:00 +0000

James and Alan finish up a busy year by reflecting on their personal hits and misses, then cast their mind forward to the new year. What's in story for rates, markets, bitcoin and more?

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Negative signals flash in the bond market. Could hedge funds be loading up for a big bitcoin short? Amazon to disappoint in Australia - Are you kidding?

Thu, 07 Dec 2017 05:31:00 +0000

As bitcoin prices continue to climb, James and Alan wonder what the entrance of shorters into the market could do, and just who would be wild enough to bet against the hottest commodity they've ever seen.

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Which bank has most to fear in the bank inquiry? Why Bitcoin is never going back to zero.

Thu, 30 Nov 2017 05:04:00 +0000

The sudden arrival of a royal commission into the financial sector and the dramatic rising value of bitcoin dominate this week's proceedings on The Money Cafe. Also covered: negotiating Alan's tricky line on female CFO competence, and two grumpy men casting gloom on property.

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Why you should always look for a company that has a female CFO. What's happening with the property market next year. The arrival of Amazon in Australia.

Thu, 23 Nov 2017 05:00:00 +0000

This week James Kirby is speechless when Alan Kohler says women are much better at managing money than men. The pair disagree on Telstra and SMSFs but reunite as they discuss Bitcoin, Malcolm Turnbull’s tax cuts, investing in clean-tech, and ETFs.

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Bitcoin spivs go marching in. Why Jessica Rudd is a daigou queen. Could Chinese tourists replace coal mines?

Thu, 16 Nov 2017 05:31:00 +0000

When you can't wear bitcoin, what's it alternate use as a store of value? Ideology, says Alan Kohler in this week's Money Cafe. Also discussed: Jessica Rudd's stellar retail success in China, and the wave of Chinese tourists that have yet to reach Australian shores.

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What we can do about offshore tax avoiders. Capturing the combustion in electric car stocks.

Thu, 09 Nov 2017 06:01:00 +0000

In a week when the ASX limped over the 6000 mark and the paradise papers blew up, Alan and James still found some time to squeeze in discussion on electric cars, lithium batteries and Ardent Leisure.

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But what would Solomon Lew do with Myer? Is Bitcoin becoming respectable? The future of shopping centres.

Thu, 02 Nov 2017 06:04:00 +0000

In this week's Money Cafe, James and Alan discuss doom and gloom in the housing market, Solly Lew's machinations, and the potential for respectability in cryptocurrencies.

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Are China's BATs are flying too high? Why is nobody checking the Crown Casino allegations? Why the ASX may not break 6000 this year.

Thu, 26 Oct 2017 05:29:00 +0000

There's little movement in the station when it comes to the Crown scandal, which is James' primary concern this week, while Alan is a bit wary of the outlook for Australian equities. Also covered: BATs, FANGs, floating notes and other investment structures.

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Barracking for first home buyers. Making money out of class actions. What will it take to sort out Crown Casino?

Thu, 19 Oct 2017 05:13:00 +0000

More memories of the 1987 crash begin this week's episode. James and Alan also discuss the potential for a big boost to Australia's market, two big scandals at Crown and Rio, and the comeback of the Australian first home buyer.

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Why AMP packed in stock picking . The alarming under-performance of Aussie banks. Can Trump halt the march of emerging markets?

Thu, 12 Oct 2017 06:19:00 +0000

There's plenty of reminiscing on this week's episode, as Alan and James discuss how they first met, and remember the 87 stock market crash. AMP's passive move, the under performance of large funds, Trump's impact on the developing world, and some fresh research on Chinese property investors are also covered.

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Can the Future Fund save us? Deckside with Solly Lew on the motor yacht to Monaco. Making money from unregulated energy.

Thu, 05 Oct 2017 05:37:00 +0000

In this week's podcast, James and Alan discuss the recent retail figures and wonder how mortgage stress could be playing a part in the broader economy, discuss the latest in the Solly Lew Myer affair, and the investment potential in Australia's energy sector.

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Trump - making tax cuts great again. Australia's frightening loan ratio. Is Solomon Lew stupid enough to want to take over Myer?

Thu, 28 Sep 2017 06:51:00 +0000

Taxes in America: going down. Australia's budget deficit: going down. Is this good news for Australia's macroeconomic outlook? James and Alan discuss these big changes in a bumper episode that also covers a scary perspecting on the local housing market, Solomon Lew's aggressive moves on the Myer board, and a number of listener questions.

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The risky business of blokey super funds. Why banks don't want the wealthy. What's the ACCC really up to with its four pillars review?

Thu, 21 Sep 2017 07:47:00 +0000

On this week's podcast, Alan and James discuss the eventual end of quantitative easing, the ACCC's deeply confusing messages, how gender affects the risk curve for Australian superannuation funds, and answer a bag of listener questions.

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Was Myer the worst float ever? A big bank calls BS on bitcoin. Why those new iPhones are cheap.

Thu, 14 Sep 2017 08:12:00 +0000

Myer's grim journey since rejoining the ASX took another ill turn this week, so James and Alan ask where it ranks on the all time worst floats in local history. Other big points pondered this week: AGL's political playbook, the new mascot for unpaid super, and China's crack down on bitcoin.

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Energy crisis - picking the winners from a debacle. What to do when a director starts trading shares in their own company. The secrets the rich want to keep hidden...from miners.

Thu, 07 Sep 2017 07:36:00 +0000

This week, Alan and James go long on Australia's resources sector that's looking like more and more of a debacle as the year goes along. Also covered: the latest GDP data, an attempted crackdown on strident charities, the latest in the CBA class action, and fresh signs of a super market price war.

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How shareholders will be suing themselves at CBA. Which woman will take the top job at Qantas? The city escaping the property slowdown.

Thu, 31 Aug 2017 06:05:00 +0000

Is it possible for shareholders to sue their own company and come out ahead? James Kirby and Alan Kohler puzzle out this and other conundrums like Qantas' outlook, the prospect of further growth in Australia's housing market, and the dismal state of the men's cricket team in this week's episode of The Money Cafe.

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Should Grant King stand down at Business Council of Australia ? BHP's hopeless dividend ploy. Why Australian ETFs are looking like a very bad bet .

Thu, 24 Aug 2017 06:43:00 +0000

James Kirby and Alan Kohler pull apart a big week of earnings in Australian business, taking a close look at BHP's dividend play as well as board moves at the Big Australian. The pair also take a look at whether ETFs are such a good bet.

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Trump's corporate friends are jumping out of Airforce One. Remembering the horror of the GFC. Why Dominos CEO over promised and under delivered.

Thu, 17 Aug 2017 06:22:00 +0000

Alan Kohler and James Kirby remember the horror of the global financial crisis 10 years on and discuss the recovery of the market since 2007. The reunited pair talk about trouble at CBA and if it's cost their position as kingpin.

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Why CBA's Ian Narev will survive. The biggest bill looming for CBA. Rio's robots ready to roll.

Thu, 10 Aug 2017 06:33:00 +0000

James Kirby chats with The Australian's business columnist John Durie on why Ian Narev will survive at CBA . In Alan Kohler's absence they talk about ASIC's dislike for the banks and the outlook ahead for corporate Australia.

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Tesla test drive. Bitcoin Cash could leave Bitcoin behind. Uber for jets - why you'll never fly economy again.

Thu, 03 Aug 2017 09:13:00 +0000

Alan Kohler and David Swan discuss Tesla's range on a road trip to Sydney and Trov.com disrupts traditional insurers, but their big data could be an even more exciting proposition.

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Media hysteria over reserve bank hints. Waiting for a property market correction. Could dogs guard retail landlords from online raiders?

Thu, 27 Jul 2017 05:46:00 +0000

Property reporter Elizabeth Redman steps into the Money Cafe for an extensive chat on the state of Australia's housing market, while Alan provides a poetic tribute to the absent James Kirby, and some thoughts on inflation and monetary policy.

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Myer's reeling before Amazon can even land a punch. How boring do you have to be to be a reserve banker?

Thu, 20 Jul 2017 07:11:00 +0000

Stephen Bartholomeusz joins the Money Cafe for a deep discussion of retail, resources and much more.

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Is the formula broken for milk stocks? The wackiest thing you'll hear this year on renewables. Why family trusts could fill the super gap.

Thu, 13 Jul 2017 06:36:00 +0000

This week on the Money Cafe agenda: could a massive boost in ETF activity lift volatily? No end in sight for turmoil over infant formula. The real reason Elon's bringing the world's biggest battery to South Australia. Why Craig Kelly got it wrong on renewables.

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The ATO gives up on Google and hunts mum and dad instead. Fairfax bidders flee. Will your next house be built by a robo-bricklayer?

Thu, 06 Jul 2017 06:07:00 +0000

Fairfax suitors are walking away, the RBA is sitting pat, and our retirees should be screaming over the latest changes to Australia's retirement system.

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Did your pension fund miss the market bounce this year? How the Dick Smith mob hit the rocks at Slater and Gordon. Has Australia Post's first female CEO been short changed?

Thu, 29 Jun 2017 06:40:00 +0000

When fund managers aren't crowing after a solid year on markets, should we start to worry that they've missed an opportunity? Also: making sense of Alex Malley's crash to earth, Christine Holgate's pay, the scandalous state of Australia's retirement community, and what could be next for beleaguered law firm Slater & Gordon.

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Super changes - what you absolutely must know. Coke's expensive sugar habit. Is there hope amid the retail recession?

Thu, 22 Jun 2017 06:24:00 +0000

Retail writer Eli Greenblat sits in this week for a discussion of the state of the retail sector, who will be hit hardest by Amazon's expansion, and what Australians need to know before the superannuation reforms come in on July 1.

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Superannuation gets its first new idea in decades. Property owners put on notice. Can anyone make money from UBER ?

Thu, 15 Jun 2017 06:39:00 +0000

Fallen figures and falling house prices feature prominently in this week's discussion. Also covered: bitcoin alternative ethereum, the Finkel review and the latest unemployment data.

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Was that GDP figure good or bad? Bunnings backs its sausages against Amazon's raids. Why is Resources Minister Canavan so keen to back Adani?

Thu, 08 Jun 2017 06:13:00 +0000

In this week's episode, James and Alan get to the bottom of what a first homebuyer grant really achieves, give an update on the Altair debacle, and try to unpick the contradictions of where Australia's renewable energy landscape.

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Slowing house prices, Telstra's sunny side up, and the fund manager who gave his money back and got sued by his mum

Thu, 01 Jun 2017 07:12:00 +0000

James Kirby and Alan Kohler debate the tale of the fund manager to threw in the towel, and the other biggest news stories of the week.

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I want my tax to be tax deductible!

Thu, 25 May 2017 04:23:00 +0000

Is the Fairfax bidding war real? Do we pay ATO employees enough? And is Trump's first budget ludicrous? In this week's episode of The Money Cafe, James Kirby and Alan Kohler try to separate the real facts from the fake news.

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The ATO's spectacular scandal, the power play inside Fairfax's takeover, and can markets survive Trump?

Thu, 18 May 2017 05:51:00 +0000

Markets have withstood every Trump bombshell to date, so what would it take for the leader of the free world to destabilise global economies?

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Budget 2017: what really happened? Banks, and Australia's biggest property rort

Thu, 11 May 2017 08:35:00 +0000

Alan Kohler and James Kirby reflect on what the 2017-18 budget really means. Has the government picked a fight with the nation's biggest banks?

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Good debt, bad debt, a budget that's abandoned housing, and a tragic week for Fairfax

Thu, 04 May 2017 07:00:00 +0000

Alan and James discuss the confusing messaging ahead of an increasingly threadbare budget in this week's Money Cafe, as well as the death spiral that Fairfax has entered.

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Budget tips, housing, and - gasp! - could Nine drop cricket?

Wed, 26 Apr 2017 06:30:00 +0000

As the federal budget draws near, Alan Kohler and James Kirby suggest what should and what will be included, before wondering how long Nine will be willing to hang on to its expensive cricket programming.

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Iron ore - the most important guessing game in Australia

Thu, 20 Apr 2017 08:59:00 +0000

When every five dollars added to the iron ore spot price translates roughly to an extra billion dollars in Australia's budget, the future trajectory of the resource becomes vital. So where to next? Don't ask Treasury, they just work with assumptions, not projections.

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Housing tax breaks, Trump and video games

Thu, 13 Apr 2017 10:27:00 +0000

What's the most efficient way to ease the pressure on Australia's groaning property market? James and Alan tackle this, and the other urgent issues in the business sector (like the growing trend of professional video game vloggers) in this week's episode of The Money Cafe.

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It's time to rethink where Australians invest their inheritances

Thu, 06 Apr 2017 07:38:00 +0000

If you inherit a bag of money in 2017, where should you put it: property, or the stock market?

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Billionaire Solomon Lew, Myer, and the big short that blew up

Thu, 30 Mar 2017 04:52:00 +0000

It's been a terrible week to be short on Myer, or long on sandalwood. James and Alan discuss a very dramatic few days' worth of business news.

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Gas, solar, hydro and batteries - the big arguments around Australian power

Thu, 16 Mar 2017 05:13:00 +0000

It's been a big week for Australia's energy sector. Alan Kohler and James Kirby discuss the political and financial battles that will decide where you'll get your power in the future.

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Too much oil, too few houses, and a few rogue bankers

Thu, 09 Mar 2017 06:13:00 +0000

Alan and James discuss the looming gas crisis, the continuing climb in Australia's property market, and another round of tough questions for Australia's bank chiefs.

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The housing data no one believes, and a seagull crashes Alan's big event

Thu, 02 Mar 2017 06:07:00 +0000

Alan and James discuss the nonsense figures being thrown around in Australia's housing discussions, the impending pension changes, and a feathered cameo appearance at a big financial event last week.

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BHP suddenly finds $11b in savings, and nib puts Medibank to shame

Wed, 22 Feb 2017 05:04:00 +0000

Is BHP the "worst company in the world"? Alan Kohler explains why he's frustrated by the management at the big Australian, and James Kirby explains how nib is stealing business from Medibank.

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Bad pizza, Seven's crash and a lump of coal

Thu, 16 Feb 2017 07:52:00 +0000

Alan and James discuss Turnbull's true feelings in the renewables debate, and dissect the standout early earnings stories.

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The gulf between Fahour's millions, the RBA's rate moves, and the real world

Thu, 09 Feb 2017 06:43:00 +0000

Is the Reserve Bank of Australia becoming increasingly irrelevant? Did Ahmed Fahour earn his big pay day? James Kirby and Alan Kohler discuss the biggest business news of the week.

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The big bully in charge of world markets

Thu, 02 Feb 2017 07:05:00 +0000

Does history hold any hints as to what the business world can expect from President Trump? James Kirby and Alan Kohler discuss the Donald, the Fed, and the end of free trade in the first episode of The Money Cafe.

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