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By Billy Amiridis
The podcast currently has 154 episodes available.
Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment.
In this episode, we discuss the latest market trends, focusing on various global and domestic economic factors impacting investment decisions. We begin with a wrap-up of the U.S. market, highlighting a 4.36% increase in the S&P 500 driven by optimism around potential interest rate cuts by the Federal Reserve. We then touch on the Australian market, noting a 2.05% rise in the ASX 200, despite fluctuating commodity prices and uncertainties surrounding the RBA's interest rate decisions. We also cover the economic challenges in Europe, with slow growth prompting the ECB to lower rates, and concerns about China's economic slowdown, reflected in a 1.3% drop in the Shanghai Composite. Despite these global uncertainties, we explore how these factors might influence the Australian market and the potential implications for investors.
Discover what these shifts could mean for your portfolio and why staying informed is more crucial than ever. Don't miss out—listen now!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
S&P 500 up 4.36% for the month
The US Presidential Race
Australian market update
RBA and government spending impacts on inflation
Geopolitical concerns affecting markets
Shanghai Composite down 1.3% for the month, 8% for the year
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360 Financial Strategists
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Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we discuss the current state of the Victorian property market. We explore the growing concerns among property owners about whether to sell or hold onto their properties in Victoria, driven by a recent dip in the market and policy changes, particularly regarding land tax and rental standards. We also analyze historical growth rates, compare Victoria’s market performance to other Australian states, and discuss the long-term prospects for property investment in the region. Despite short-term challenges, the current market conditions may present a strong buying opportunity for those with a long-term investment strategy.
Join us in this episode as we break down the latest market trends, policy changes, and what they mean for your investment. Don't miss out—listen now!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
● Current state of the Victorian property market
● Recent concerns about the Victorian property market
● Factors affecting Victorian property market
● Impact of cash flow on property investment decisions
● Considerations for holding vs. selling properties
● Impact of population growth and construction costs on the market
● Possibility of rapid market changes with increased confidence
● Importance of aligning property investment with long-term strategic plans
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
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Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we discussed the concept of debt recycling, a financial strategy that allows individuals to pay down their non-deductible debt, such as a home mortgage, while simultaneously investing to build deductible debt, which can provide tax benefits. The strategy involves using equity from one's home to invest in income-producing assets like shares. Over time, the income generated from these investments is used to pay down the non-deductible debt, while the investment debt increases, effectively converting non-deductible debt into deductible debt.
Furthermore, we go into the suitability of this strategy, noting that it is most beneficial for higher income earners and those with a stable financial situation, including secure income and a solid banking strategy. We emphasize that while debt recycling can be powerful, it requires a strong understanding of both investing and debt management, making it suitable for individuals who are comfortable with these aspects.
If you're ready to take control of your financial future and maximize your wealth, don't miss out—listen now!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
About the concept of debt recycling
Difference between good (tax-deductible) and bad (non-deductible) debt
Who debt recycling is suitable for
Keeping a non-deductible debt on principal and interest repayments
Risks associated with debt recycling
Exit strategies for debt recycling
Options like paying down deductible debt or selling portions of the investment portfolio
Connect with Billy and Andrew!
360 Financial Strategists
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Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we discussed the dilemma of whether to pay down a mortgage or invest, especially in a high-interest rate environment. We emphasize that there is no one-size-fits-all answer and that the decision should be based on individual circumstances, financial goals, and risk tolerance. People should consider their long-term financial strategy, including their retirement goals, and factor in the potential impact of inflation and tax implications. While paying down a mortgage offers a guaranteed return, we suggest that starting an investment journey early can be beneficial with the power of compounding.
Ready to find your financial balance? Hit play and join us for a conversation that will help you make informed decisions about your money.
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
About whether to pay down the mortgage or invest
Mortgage strategy considerations
Investment and tax considerations
Importance of tying strategy to long-term goals
Debt recycling and combined strategies
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
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Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we discuss making your investment portfolio recession-proof, emphasizing both mindset and practical strategies. We explore what a recession entails, highlighting the importance of maintaining a stable personal budget and having an emergency fund to cushion against economic downturns. We dig into the significance of not panicking and avoiding rash decisions like panic selling. Instead, we recommend focusing on long-term goals and viewing downturns as opportunities to buy quality assets at a discount. We also stress the value of holding a diversified portfolio to ensure steady income despite market volatility.
Join us now to strengthen your investment strategy and achieve financial resilience!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
Apple Podcast
Spotify
Google Podcast
Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we discuss retirement planning considerations, emphasizing both financial and lifestyle aspects. We explore how traditional retirement perceptions, like relying on age pensions, are evolving. We highlight the importance of budgeting and understanding income needs based on lifestyle choices and activities during retirement. We address the transient nature of retirement, where individuals might transition from full-time to part-time work before fully retiring. Lastly, we emphasize the significance of planning for potential inheritance and the benefits of superannuation due to its tax advantages.
Tune in now to master your retirement planning and secure a financially and personally fulfilling future!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
Retirement income needs and lifestyle choices
Estate planning and inheritance
Importance of shaping retirement income and flexibility
Property considerations in retirement
Importance of early retirement planning
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
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Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we discuss investing in precious metals, including gold, silver, platinum, and palladium, and how they serve primarily as a store of wealth rather than a traditional investment. We address a common question from listeners about whether they should invest in precious metals and explore various ways to purchase and store these assets, such as physical bullion, ETFs, and investing in mining companies. We highlight the importance of understanding the liquidity and transaction costs associated with precious metals.
Additionally, we emphasize diversification and how precious metals can provide a hedge against inflation and market volatility. We also draw a comparison between precious metals and cryptocurrency, noting their differing behaviors and potential roles in an investment portfolio.
Learn about gold, silver, and more, and discover how these assets can help you hedge against inflation and diversify your portfolio. Tune in now to gain valuable insights and practical tips to enhance your investment strategy.
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
About precious metals seen as a store of wealth and hedge against inflation
Characteristics and history of precious metals
Precious metals as part of portfolio diversification
Similarities and differences between precious metals and cryptocurrencies
Importance of diversification in portfolio construction
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
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Spotify
Google Podcast
Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment.
In this episode, we discuss the latest market activities, focusing on the U.S. and Australian economies. We note that the S&P 500 decreased by 0.77% in July, though smaller companies showed growth due to sensitivity to lower interest rates. In the U.S., potential interest rate cuts are anticipated as inflation eases, while Trump’s potential election could impact economic policies. Europe sees economic uncertainty with the ECB keeping rates unchanged at 3.75%. In contrast, Australia experiences high inflation and rising employment, with the ASX 200 up 29 basis points, indicating market resilience despite economic challenges.
Stay informed on global market trends by subscribing to our podcast. Don't miss our in-depth analysis on the U.S. and Australian economies, as well as key insights into potential interest rate changes and their impacts. Subscribe now and stay ahead in the financial world!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
S&P 500 down 0.77% for the past month
Expectation of US interest rate cuts in near future
US Politics and economic outlook
European Central Bank rates unchanged at 3.75%
Australian employment rose by 50,000 in July
Australian economic outlook and interest rates
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
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Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, Vicki Likoudis from True North Advocacy shares her diverse background in small business, property development, and advocacy, emphasizing the link between business and commercial property in her career. She discusses different types of commercial property while highlighting the key attributes of commercial property: better cash flow, tenant-paid expenses, longer leases, and potential for capital growth, which set it apart from residential property.
Vicki explains the benefits of using a commercial buyer's advocate, including specialized knowledge, focus on investment potential, and thorough due diligence on properties and tenancies.
Learn more about the benefits with a commercial buyer's advocate by listening to this episode today!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
About Vicki Likoudis
Different types of commercial property
Typical commercial property clients
Attributes of commercial property
Benefits of using a buyer's advocate
Increased interest in commercial property from residential investors
Do's and Don'ts of Buying Commercial Property
About Vicki Likoudis
With a diverse property and business background, Vicki has developed a finely-tuned craft and passion for assessing and buying property, 15 years in the making. Her focus is always on exceptional client outcomes and lasting relationships and is highly regarded as a valued advisor and mentor in her community.
Prior to forming True North Buyer's Advocacy, Vicki held the position of CEO for a leading sustainable property developer in Melbourne, reinforcing her passion for connecting people to the right buying outcomes. Her astute buying approach centers on diligent research, tenacity, intelligent negotiation and a commitment to getting the absolute best result for her clients.
Whether it’s securing your business property or a commercial property investment, Vicki’s primary goal is to guide your buying confidence with clarity so you can cut through the noise, purchase with confidence and find the best property for you and your goals.
Connect with Vicki Likoudis:
Website | www.truenorthba.com.au
Linked In | au.linkedin.com/in/vickilikoudis
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
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Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, we discussed the average super balance for your age, highlighting the importance of starting early and making regular contributions. We break down the average superannuation balances for males and females in various age groups, from 25-29 to 60-64, and emphasize the power of compounding interest. We also explore the potential retirement income that different superannuation balances could generate, considering factors like lifestyle and estate planning. Furthermore, we encourage seeking financial advice to ensure you have a plan in place to achieve your retirement goals.
Tune in to our latest episode to understand the importance of starting early and making regular contributions to your superannuation. Listen now and take the first step towards a comfortable and well-planned retirement!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
Episode Highlights
Average superannuation balances for different age brackets
Importance of early contributions
Strategies to boost super balances
Calculating retirement income based on super balances
Importance of having a comprehensive retirement plan
Connect with Billy and Andrew!
360 Financial Strategists
Check out our latest episode here:
Apple Podcast
Spotify
Google Podcast
The podcast currently has 154 episodes available.
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