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Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at themoneypuzzle@theaustralian.com.au.
566 Episodes
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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.
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.
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.
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.
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.
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.
1Many 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.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
Investment scams empowered by AI are going to get worse in the years ahead - and no amount of regulation is going to stop 'bad actors' inside finance. Self-defence in the form of financial literacy is the answer: investors need it, kids in school need it, but the government has put the issue on the back burner. It’s time for a change. Tracey West, financial education manager at Ecstra, the financial literacy foundation joins Associate Editor - James Kirby in this episode. In today's episode, we cover: Scam watch - What investors need to know Why the First Guardian scandal is a taste of things to come Should schools make financial literacy mandatory? How AI 'fakes' will drive a new wave of investment fraud See omnystudio.com/listener for privacy information.
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.
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.
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Would be good to get a uranium expert on to discuss in more detail. CEO of Bannerman Brandon Munro would be ideal.
Fantastic speaker, Emma sounds like a true professional, just please let her finish! Was cut off too many times in my opinion.
you guys need to look more into the tech and use cases behind crypto currencies like ADA and ETH. I thought crypto was a joke because all the financial gurus were laughing at it, but after doing some research I have completely changed my opinion. the fact that guy's like you are not more informed about crypto makes me think that there is still allot of money to flow into it in the long term.
You guys are getting too loose and inarticulate. You sound like you're three schooners in. "Another dodgy apartment block in Melbourne ... I can't remember which ..." Tighter preparation and less time-wasting. Best, Lex