Welcome back to another episode of the 360 Money Matter Podcast! When will you know you're ready to begin investing? Many people believe that investing requires a large sum of money and that it would take years to save a sizable amount in order to start investing. This mindset on investing is very far from the truth. The key to successful investing is to begin early, stay invested and invest for the long term.

Today's episode is all about getting started with investing, the benefits and tips of starting early, and the power of compound interest. Your time in the market is critical in investing, because the earlier you start, the more time you give yourself for your money to grow.

And now it's time to listen to this episode to get the right operating rhythm when starting your investment journey!

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• The power of compound interest
• Investment opportunities in the market
• Risk and return of investment
• Long-term investment goals

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Welcome back to another episode of the 360 Money Matter Podcast! No one is more concerned about your financial well-being than yourself. So, having a good financial plan will help you save money, time, and meet long-term goals.

In this milestone 50th episode, we will go over some of the steps to creating your own financial plan, including the elements that we look at when putting a plan together for our clients.

There are some nuggets of gold in this episode, so grab a pen and paper and take note, as this is one that you won't want to miss.

Episode Highlights:

• Understanding your assets and liabilities
• Determining cash flow
• Bucketing strategy
• Developing an investment strategy
• Estate planning

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Welcome back to another episode of the 360 Money Matter Podcast! In today's podcast, we talk about buy/sell arrangements and how business partners can protect their business interests in the event of death or permanent disability. These events could be unpredictable and thus require advanced planning.

With the example of our partnership, we are going to walk you through what the Buy/Sell Agreement is all about, who is involved, what health considerations should be taken in the underwriting of the contract, ownership structures and valuation methodology.

If you are planning to enter into business with someone else or if you are in business with a partner, then this is the episode for you.

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• Defining Buy-Sell Agreement
• Who are involved in the agreement
• Some considerations to take for each partner and their families
• Importance of reviewing the Buy-Sell Agreement
• Talk to a licensed financial professional

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Welcome back to another episode of the 360 Money Matter Podcast! Usually, when we prepare to invest, we're also prepared to potentially lose our money if we don't tread carefully. But did you know there are options that are available with zero risk? They've been around for a while now and aren't new to the market– They're not for everyone, however, they can form a hugely beneficial part of an investment strategy. If you are willing to lock away your money for a certain number of years, this is definitely an option to look into!

In today's episode, we'll be going into Capital Guaranteed Products. In essence, these products are investment options that allow us to invest in growth assets, shares, properties, infrastructure, and a whole bunch of other assets with zero risk. While that sounds too good to be true, they're actually quite a great tool for wealth!

Join us as we talk about its pros, cons, and how this could be a great addition to your investment portfolio!

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• How Capital Guaranteed Products work

• Long term horizon

• The benefits and drawbacks

• A breakdown of some sample numbers

• How CGP can for part of a broader strategy

• Who these products are suited to

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Welcome back to another episode of the 360 Money Matter Podcast! As the world and Australia feel the impact of inflation and rising prices, it raises the question; is it the right time to invest in property?

In this episode, we really wanted to emphasize that when you begin investing in such a large scale asset, you need to work within your means and really assess the affordability - even if things don't go to plan. Make sure that property is the right thing to be investing in with regards to your circumstances at the time, rather than trying to time the market perfectly. If history is anything to go by then the best time to invest would have been yesterday and the next best time would be 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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights: • Increasing interest rate environment • Current media hype • The impact of those interest rate increases • Where is the property market at the moment? • Focus on your personal situation and financial position • Thinking long term

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Welcome back to another episode of the 360 Money Matter Podcast! Making mistakes is just an unfortunate by-product of investing and something that anyone who has participated in financial markets has experienced. We will share some of the missteps that we have made in the past or have seen our clients make and how you can avoid this.

In this episode, we wanted to sit down and talk about common mistakes we see daily in the financial management space. Be it sticking to a timeframe or filtering sensationalization of media, there are many takeaways in this conversation! While we know that avoiding risk is an innate need as humans – however, it's important to stick to the financial plan and strategy to avoid losing money in the long run.

Don't miss out on this great episode!

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• Stick to your financial plans

• Filtering media sensationalization

• Being a diversified investor

• Dollar-cost averaging

• Expect volatility

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360 Financial Strategists

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Welcome back to another episode of the 360 Money Matter Podcast! Do you have excess cash flow, or maybe a surplus of cash right now? While there are many different ways to go about using that excess, one of the most common questions we get would be should I pay my debts or should I pay into superannuation?

And while there's no definitive all-answer to that question, we really wanted to dive into the different options available and some of the pros and cons that can help you in deciding what may be best for your personal situation.

If you feel like you need a refresher on superannuation and an even more specific client scenario, feel free to check out our previous episodes of the 360 Money Matters podcast!

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• Different types of debts (good or bad)

• What are your options

• Retirement time frame

• Mortgage repayments vs Super repayments

• Tax deductibility

• Level of risk and opportunity for growth

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Welcome back to another episode of the 360 Money Matter Podcast! With a lot of talk going around about investment markets, we really wanted to clear the fog and really sift through some of the noise to get to the crux of what's happening, what's causing it, and what you can do in this market.

Unemployment is currently at low levels and inflation is continuing to ramp up. Mortgage stress is starting to become a concern with interest rates that are rising so that central banks can combat inflation. Combining this increased mortgage cost with the inflationary environment we see ourselves in, households are starting to feel the pinch in their budgets.

By the end of this episode, we hope to provide you with some comfort around some of the strategies we recommend that can help you curb and prepare yourself for markets such as this and how we can prepare, anticipate, and adapt as best we can!

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• Inflation has skyrocketed.

• What is stagflation?

• The importance of cash reserves.

• Rising fuel prices and cost of goods.

• Cutting costs and minimizing expenses at home.

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Welcome back to another episode of the 360 Mother Matter Podcast! We have recently spoken about superannuation, death taxes, and some changes to superannuation rules. Today we put this all together in a scenario for a client.

In this particular scenario, our client is 65 and still working. What we're able to do for this client was convert his entire superannuation to 'tax-free' as well as reduce his income tax by $10,000 over the course of the financial year!

So if you are in a similar situation or someone you know is– be sure to stick around or share the episode with them and find out how our client took advantage of some opportunities that are available to help reduce both the tax that he will pay, as well as ensure that his beneficiaries don't pay any tax when the money is eventually passed to them.

If you haven't yet, we highly recommend checking out our previous episodes about Superannuation to get a better idea of what we're talking about for this client scenario!

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• Gaining unrestricted access to superannuation

• Taking advantage of tax opportunities

• Reducing assessable income

• Planning out the strategies using current legal tax laws

• Avoiding death taxes for beneficiaries

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Welcome back to another episode of the Money Matters Podcast! With the end of the tax year approaching, the mad rush on planning for your end of financial year is upon us! Today we will guide your through some ideas you can look at to make the most of these last couple of weeks.

Whether it's setting aside surplus cash for superannuation, or paying off larger deductible expenses for this year instead of the next, there is definitely some money to be saved and invested for your future that can not only improve your tax position but also accelerate your wealth creation. Making the most of government incentives and benefits will help accelerate your wealth creation.

Tune into this episode as we show you how you can maximise your position and make sure you're not scrambling this incoming June 30!

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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, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

Episode Highlights:

• Concessional or pre-tax contributions towards superannuation.

• Government co-contribution

• Spouse contributions

• Non-concessional contributions into superannuation.

• Timing your larger deductible expenses.

• Offsetting capital gains or timing it to be taxed lower.

• Claim your tax deductions!

Connect with Billy and Andrew!

360 Financial Strategists

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