The Money Puzzle

Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle - like right now!

Rasti Vaibhav of the Get RARE buyer's agency joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

• The magic words...Mortgage Discharge Authority...do they still work?
• Getting the best deal from any bank, including your own lender
• Exploring refinance alternatives such as lengthening your mortgage period
• Optimising the offset - Securing your repayments by using the equity you've accumulated
  
  
  

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The queue of listener questions at [email protected] has been building up. It's time to tackle the task with one of the best advisers in the market. 

Hugh Robertson, CEO of Centaur Financial Services joins Associate Editor, James Kirby on this special episode.

In today's show, we cover:

• Assessing the Anthropic IPO
• The aftermath of the Bathla collapse
• CGT post Budget.
• Too much of a good thing: the listener overloaded with Google shares
• And much, much more

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Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.

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

In today's show, we cover:

• How much should you have in super
• Finding the 'sweet spot' for pension access
• Avoiding 'the worst of all worlds' where you miss out on easy money
• How to assess 'pension boost' products from the big funds
  
  
  

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As trillions of dollars begin transferring to the next generation, is it only a matter of time before Australia joins other nations to tax an inheritance? Morgan Solomon, Director at Solomon Hollett Lawyers joins Julie-anne Sprague, Wealth Editor in this episode.

In today's show, we cover: 

• The rise of testamentary trusts
• The importance of having a will
• Estate planning and the great wealth transfer

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It's the age-old question: is an investment property or shares a better investment? The government's tax changes has blown the debate wide open. As Stockspot founder Chris Brycki explains to The Australian's wealth editor Julie-anne Sprague, the numbers are in. His analysis of a $1m property shows investment property owners need to find an extra $11,000 a year just to stay in the same position as they were before. 

Read his analysis in The Australian here

In today's show, we cover:

• Strategies in diversification
• Investing a lump sum or dollar-cost averaging
• Tech stock alternatives

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The risks and opportunities of AI become clearer each day, but how do you - the investor - optimise AI while minimising your risks?

Daniel Gara, founder of Vectatech.com.au joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

• How to best use AI as an active investor
• Securing your data against later use by AI companies
• Tackling AI questions to get the answers you need
• Anthropic's Claude for financial advisers explained

 

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This is the year reality bites for private credit investors: Put simply, it was too good to be true for several years. More recently, just as everyday investors piled into the space, the numbers have turned against it.

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

In today's show, we cover:

• Private credit shake-up: The Metrics Credit affair
• Should we compare private credit to shares or bonds?
• Keeping an eye on the fallout from the Bathla collapse
• Passive investing and the problem of poor quality IPOs
  
  

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The Financial Independence Retire Early (FIRE) movement has been re-energised through an offshoot tagged as COAST. It's all about the magic number you need to save, which allows you to ahem coast through the rest of your life without money issues. Would it work for you?

Lionel Lee, author of 'Into The Moneyverse' joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

• FIRE - What you need to know
• How the COAST principle works
• Adapting for the Australian super system
• Should you save inside or outside super?

 

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The Spring season's 'stock overhang' will determine the outlook for the property market. It will also provide an early guide on where the bargains will emerge for investors.

Angus Moore, senior economist at Realestate.com.au joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

• Stock overhang - The markets with the most for sale
• Will vacancy rates stay low if prices drop further?
• Is Melbourne the value hunter's opportunity?
• Negative gearing new homes - signs of life inside industry data
  
  

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Higher taxes, an aging population and hopeless productivity growth ...is Australia the best place to put your money?

In today's show, we cover...

• What investors can draw from the government's inter-generational report
• Does the productivity gap with the US explain Wall Street's superior returns?
• Why rates will be higher for longer
• Gold takes a step backwards in its forward march

Paul Bloxham, chief economist at HSBC Australia, joins Associate Editor James Kirby in this episode

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