Investors pay a higher mortgage rate than home loan borrowers. However, this was not always the case – and there is now a solid argument to suggest that investors should pay less. In reality, the repayment statistics for investors are better than the same numbers for homeowners – but investors get no reward for their better performance. Cameron Kusher, Executive Director - Economics, at REA Group joins Wealth Editor James Kirby's guest in this episode. Submit your questions on all things propert...
May 30, 2023•35 min
As the sharemarket drifts, investors are looking to ‘alternatives’ for returns: One of the most dependable alternative income investments is ‘secured mortgages’ where you get a high rate of return underpinned by property projects: This week we fish in a new income stream that is worth exploring for the everyday investor. We also cover: Artificial Intelligence - who will be the losers? Investing in shares for children, Should you worry about big super’s unlisted assets? And speculating on future ...
May 25, 2023•39 min
The capacity to borrow will be the big difference in the next upward cycle of residential real estate prices. Property investors might be familiar with the challenges around locating and managing a successful property, but an entire generation of investors has never faced operating in a high-interest rate environment. Stuart Wemyss of the ProSolution group is Wealth Editor James Kirby's guest on this episode of The Money Puzzle. Submit your questions on all things property, business and finance ...
May 23, 2023•33 min
As housing affordability bites hard and the rent crisis continues, many landlords are as frustrated as their tenants with the long-term realities of the property market: Could it work better and what would it take to move the dial? In this episode we discuss the case for wholistic tax reform, Dr Monique Ryan's mortgage, how the Teals are working on a new tax blueprint, super changes and whether the $3m cap will be the last 'adjustment'? Dr Monique Ryan, the 'teal' member for Kooyong, Melbourne i...
May 18, 2023•34 min
The Albanese government's first 'May Budget' elevates the risk of higher inflation and higher rates - it also signals further strong returns for miners and building stocks. In this week's episode, we cover the hits and misses of Budget 2023, the outlook for your super, whether family trusts are in the gun and the next building boom Will Hamilton of Hamilton Wealth Partners is Wealth Editor James Kirby's guest on this week's show See omnystudio.com/listener for privacy information....
May 11, 2023•40 min
Self Managed Super Funds are often associated with the very wealthy who have millions to spend, but new figures show the median amount for new SMSFs is $260,000. In this week's episode, we cover the advantages of an SMSF, why the sector isn't growing very fast, explore SMSFs to include the whole family and the latest planned changes in super. Meg Heffron of Heffron SMSF Solutions is Wealth Editor James Kirby's guest on this week's show See omnystudio.com/listener for privacy information....
May 04, 2023•39 min
Value investor Roger Montgomery is associated with blue chip companies, but that does not mean he looks exclusively at 'large caps': In fact, Montgomery says the small-cap selection on the ASX is emerging from the pandemic ready to beat all rivals. We cover - a green light for small caps, the dangers of 'over contributing' to super, why the ASX is reasonable value just now and whether we should worry about US banks. Roger Montgomery of Montgomery Investment Management is Wealth Editor James Kirb...
Apr 27, 2023•38 min
Impact investing, where investors actively create ethical outcomes, has been growing steadily but the Albanese government's 'reconvening' of a task force on the issue is set to create a breakthrough. It's a great area... but can you make money from it? Today we're getting to know impact investing, learning how 'Goodstart Childcare' changed Australia, finding out who might invest here and why? and looking at 'big capital' the plan for an Australian impact investment powerhouse. Michael Traill, im...
Apr 20, 2023•39 min
Would you be better at a hotly contested auction than a buyer's advocate? How do they work and what do they charge? In today's show we cover how buyer's advocates operate and whether paying a fee or commission is better, we discuss whether local councils be dropping rates by now. And the debate over banning foreign buyers. Kitty Parker, buyer's advocate at Kitty and Miles Ltd is Wealth Editor James Kirby's guest on this week's show. See omnystudio.com/listener for privacy information....
Apr 13, 2023•37 min
This week we ask how will the new super changes work? And we meet a real-life 'millionaire next door’ (Australian style). Plus, we get to grips with new super tax changes, discuss borrowing for shares at mortgage rates and how Australian shares are falling behind Wall Street again. Questions for the podcast are always welcome to [email protected] James Gerrard of www.financialadvisor.com.au is wealth editor James Kirby‘s guest on this week’s show See omnystudio.com/listener for priv...
Apr 06, 2023•34 min
The credit markets have been shaken by the dual troubles of US and European banks. Crucially, the Credit Suisse rescue involved bondholders taking a rare ‘haircut’. What does it all mean for investors? In this week’s Money Cafe, we cover the fallout from the bank crisis and whether the affair will trouble Australian bank shareholders? What are the issues for bank hybrids? And just who needs secretive Swiss banks anyway? Questions always welcome for the podcast to [email protected] F...
Mar 30, 2023•35 min
The old guard are back - with a vengeance - miners, paper manufacturers and property developers regain a grip on the Rich 250 in 2023, Still, as the tech titans struggle (in relative terms!) the list has some very interesting new arrivals including the Zimmerman sisters who have built a global fashion retailing empire. In this week's show, we cover the traits that push people to the top of the Rich 250, the fund manager who says yoga and meditation make for a better investor, philanthropy among ...
Mar 23, 2023•31 min
In this special edition of Money Cafe we cover whether Sydney will be the first city to have a house price rebound, solving the rental crisis, the long-term economics of home ownership and why NSW premier Dominic Perrottet believes his Future Fund - where the state government will annually co-fund contributions to give kids a headstart for housing or education - may be picked up in other states across Australia. Wealth Editor James Kirby's guest on this week's show is NSW Premier Dominic Perrott...
Mar 16, 2023•32 min
What just happened in super? Is this about the 86,000 super investors above $3m - or is it the start of a new regime which will change how super works for a whole generation? Wealth Editor James Kirby's guest this week is Tim Mackay of Quantum Financial. See omnystudio.com/listener for privacy information.
Mar 09, 2023•44 min
Industry super funds are the outright winners in the super system. The funds have thrived on the back of a simple law - every worker must put one dollar in ten they make into super. Yet, surveys show Australians are not just unsure about super, they are unsure about every aspect of investing and finance. The Ecstra foundation, Australia's best known financial literacy agency, exists on the back of irregular payments based on regulator fines. But the fund is making great progress kickstarting fin...
Mar 02, 2023•36 min
Items covered in this episode include - Does property really double in price ever decade? The perils of trying to use a former SMSF property as a home, why using the home mortgage is the cheapest form of finance and buying in Australia while living offshore. Wealth Editor James Kirby's guest this week is property expert Pete Wargent. Questions always welcome to [email protected] See omnystudio.com/listener for privacy information....
Feb 23, 2023•39 min
How can you go wrong with an Exchange Traded Fund? They match the market average, they have very cheap management fees and your financial adviser thinks they are the best thing ever...but there is no such thing as a perfect investment. In this week's podcast we cover. Wealth Editor James Kirby's guest this week is Chris Brycki, CEO of digital adviser Stockspot. Questions for the podcast are always welcome at [email protected] See omnystudio.com/listener for privacy information....
Feb 16, 2023•37 min
Property developers are promising strong and stable returns from NDIS investments, but the risks are bigger than you might think. Topics covered in this episode include what every investor needs to know about NDIS property, the plan to reform financial advice and why interest rate moves don't work like they used to do. Questions for the podcast are always welcome at [email protected] See omnystudio.com/listener for privacy information....
Feb 09, 2023•45 min
Inside financial advice circles they call it the ‘black spot,’ the wealth level where government benefits fall away but annual investment income may be little better than pension. Wealth Editor James Kirby’s guest this week is financial adviser, Liam Shorte of the Verante Group Questions for the podcast are always welcome at [email protected] See omnystudio.com/listener for privacy information....
Feb 02, 2023•44 min
The lift in bank stocks since the start of the year signals a change of heart in the residential property market. In this episode Wealth Editor James Kirby’s is joined by Will Hamilton of Hamilton Wealth Management. Questions always welcome to [email protected] See omnystudio.com/listener for privacy information.
Jan 26, 2023•29 min
We're well and truly into 2023 now, are people still saying "happy new year?" ....in the last of our summer series with the Australian’s Wealth Editor James Kirby, James Gerrard of www.financialadviser.com.au is here to sort out your money issues in 2023. See omnystudio.com/listener for privacy information....
Jan 19, 2023•39 min
With the news about the rental market, interest rates on the move and uncertainty ahead, The Australian’s Wealth editor James Kirby and special guest Stuart Wemyss of ProSolution have some commentary to get you thinking property through the summer. See omnystudio.com/listener for privacy information.
Jan 12, 2023•41 min
In this episode Wealth Editor James Kirby’s guest is NABTrade’s head of investor behaviour, Gemma Dale. Discussing shares and the market ahead in 2023. See omnystudio.com/listener for privacy information.
Jan 04, 2023•34 min
In this episode of our Summer Series, Wealth Editor James Kirby’s guest is adviser Doug Turek, and we're getting Super set for 2023. See omnystudio.com/listener for privacy information.
Dec 28, 2022•26 min
Over summer The Australian's Money Cafe will be helping you get financially fit for 2023.....in this episode Wealth Editor James Kirby’s guest is adviser Bruce Brammall. See omnystudio.com/listener for privacy information.
Dec 21, 2022•38 min
Wealth Editor James Kirby's guest this week is Stuart Wemyss of the ProSolution group. They discuss the swing back to the city forecast for 2023, new 'rent bidding' reforms, how much higher mortgage rates and how apartments will get their moment in the sun. See omnystudio.com/listener for privacy information.
Dec 15, 2022•39 min
Wealth Editor James Kirby is joined by James Gerrard of www.financialadviser.com.au . They discuss the new realities of higher rates and home mortgages, if ethical investing still offers an edge over conventional funds, unexpected tangles in the First Home Super Savers Scheme and if we should worry about an inverted yield curve. See omnystudio.com/listener for privacy information.
Dec 08, 2022•43 min
In this episode Wealth Editor James Kirby's guest is Gemma Dale, Head of Investor Behaviour at NABtrade. They say the ASX will close in 2023 somewhere close to where it will close at the end of this month. Except, the forecasts are invariably wrong - brokers confidently predicted a 10 percent return this year and we are not going to get there. See omnystudio.com/listener for privacy information.
Dec 01, 2022•41 min
James Kirby’s guest this week is Doug Turek, financial advisor at Minchin Moore. In this episode, topics for discussion include - Gold should be a winner in a market where shares are severely challenged, should you fix your mortgage now? the growing power of industry super funds and where now for crypto? Questions are always welcome for the podcast at [email protected] See omnystudio.com/listener for privacy information....
Nov 24, 2022•35 min
James Kirby's guest on the podcast this week is adviser Bruce Brammall of Bruce Brammall Financial. The property market is down but not down far enough for bargain hunters - the cumulative strain of higher rates and lower prices is yet to come. James and Bruce also discuss if the sharemarket managed a turnaround? Do financial adviser clients access a wider range of investments? See omnystudio.com/listener for privacy information.
Nov 17, 2022•34 min
