The Money Puzzle

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.

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.

Ben Kingsley, managing director of Empower Wealth and chair of the Property Investors Council of Australia, shares essential insights on investing in real estate. He discusses the significance of auction clearance rates and demand signals in finding the right suburb. Kingsley warns about the risks of entering overheated markets and stresses the importance of economic fundamentals versus speculative bubbles. He also highlights potential markets to watch and the perils of overextending financially, offering a roadmap for savvy property investors.

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.