It had to happen: The excitement around Artificial Intelligence ran hot on the share market and now the question is, where are the profits? For investors backing AI-fuelled stocks, it is time to take a breath - but at least they can take comfort in one fact: These stocks make money...it's not a bubble (so far). In today's show, we cover * The AI share market boom takes a step backward * Can you get your money out of a private credit fund? * The minimum amount you need for a family trust * What i...
Aug 01, 2024•34 min
New data this week reveals the key to a slump in Victoria: Believe it or not there has been too much new property built in Melbourne. Moreover, there are now more sellers than buyers across the state: How long can it last? In today's show, we cover * Why prices and rents will keep rising ? * The state that overbuilt * Shared house - the ultimate investment property * Where can I get a 40-year mortgage? Eliza Owen, economist at CoreLogic joins wealth editor James Kirby in this episode See omnystu...
Jul 30, 2024•31 min
So, you probably did very well in the year to June as an active investor: But what are your plans for the year ahead? Do you still believe rates are going down? Will small caps outperform large caps? It's time to take stock. In today's show we cover * Setting your sails for FY 2025 * The Biden moment - When it's time to quit * The theory behind a potential small-cap rebound * CGT tangles in the home where you lived and then rented Hugh Robertson of Centaur Financial Services joins wealth editor ...
Jul 25, 2024•44 min
Whether you are an investor or an owner-occupier, the interest rate rises of recent years can be a squeeze. But you do have options, including extending the life of your mortgage or switching to interest-only: Under both these arrangements you will pay less each month. Or maybe you could hold on a little longer, economists still believe we will see rate cuts early next year. In today’s show we cover: Is the national property market cooling? Getting over your mortgage cliff? How bank stocks and h...
Jul 23, 2024•32 min
The ASX is up 12 per cent in a year, the US S&P is up 24 per cent and now 'pro-market' Republican Donald Trump looks set to win the US election. What are investors buying and what can we expect for the rest of the year? In today's show, we cover... * Will Trump accelerate the share market bull run? * Australian investors stick with miners even though banks surge * What might a sudden Trump-driven $US drop unleash? * The problem with infrastructure ETFs Gemma Dale head of investor behaviour a...
Jul 18, 2024•45 min
Investors with multiple properties often get a hard time: Anissa Cavallo owns 15 investment properties having started as a divorced mum living in her parent's home. So, don't expect any apology from this investor, but she does put forward a forceful argument for investing in residential property - and some excellent insights into how to do it successfully In today's show, we cover... * How many properties should an investor hold? * The perfect suburb for the investor * Is the WA property market ...
Jul 16, 2024•25 min
The sharemarkets are firing - the US market is on an absolute tear...and now we have the prospect that Republican Donald Trump could win again. The last time Trump won, Wall Street went for a run...what might happen this time? In today's show we cover: * The outlook for the share market * Why 'active' ETFs are riskier than you think * The problem with assuming your super returns will stay so good * Thinking long-term about splitting super savings between couples Adviser James Gerrard of www.fina...
Jul 11, 2024•42 min
Property investors and home buyers take a second look! Villa units - the humble single storey dwellings to be found in every metropolitan suburb are being reassessed by a new generation. They may not be fashionable - but they are going to be hot property. In today's show we cover: * Reassessing the villa unit * Why insurance inflation is crunching the housing market * Where is the government's shared equity scheme? * The $99,000 Melbourne apartment (not for everyone) Sarah Petty, property report...
Jul 09, 2024•27 min
It’s the single most common question among Australian investors and the answer is different for everyone. But there are firm principles you can follow and simple formulas that will at least give you a very good sense of how your super is shaping up. In today's episode we cover: * Why you need to be sceptical of ‘super calculators’ * How you - or your partner - could live to be 100 * Don’t underestimate the role of the government aged pension * Why the amount you spend per year is the number you ...
Jul 04, 2024•31 min
How much is property costing you? Home loan borrowers are extending their mortgages to keep costs down: Investors are absorbing higher running charges with an eye on the long term prize of capital gain. This week we take a close look at refinancing and how to make it work In today’s show we cover * How to speak the language of property finance (and score a better deal) *. Does downsizing actually save money? * Forecasts for the year ahead * Extending the mortgage - pros and cons Stuart Wemyss of...
Jul 02, 2024•41 min
The share market is heading for another strong year, but the short sellers are working hard to pull down some champion stocks on the ASX: Blue chip CBA and IPO darling Guzman Y Gomez are among the targets.What does it mean for investors? In this episode, we cover: Short order - Why do traders believe top stocks are heading for a fall? The tricky business of small-cap stock selection What happened to luxury goods seller Cettire? Stock splits - Why they push up the share price Dean Fergie of Cyan ...
Jun 27, 2024•38 min
You may think you are ready to join the property market but do you have your squad of professionals in place? And have you considered the humble villa unit? In today's episode we cover: * A buyer's advocate tips for the first -time buyer * Villa units - Are they the most undervalued properties in Australia? * Land tax - Getting to know state-based land tax regimes * Have we reached peak mortgage broker? Jarrod McCabe of the Wakelin Property Advisory group joins wealth editor James Kirby in this ...
Jun 25, 2024•27 min
Tycoons win and lose on the sharemarket just like the rest of us: This week Peter Cooper had a win with Guzman Y Gomez but then 'Hungry Jack' Cowin has watched his Domino's Pizza shares drop by a third so far in 2024. What can we learn from tycoon stock-picking? In today's episode we cover * The stocks that paid off big time for Rich 250 players * Terrible tycoon stock picks of 2024 (so far) * The Australian who has $900m worth of Nvidia stock * How stock splits work John Stensholt editor of The...
Jun 20, 2024•33 min
As NSW follows Victoria with fresh moves to raise more money from Land Tax: Investors need to review their options and look at the different settings around the nation. In today's show, we cover... Land tax -The states squeeze the lemon - what can you do? Interest-only loans as a way to better manage debt Buying a house with mates - what you need to know If your home is your main workplace - are trips to work tax deductible? Kitty Parker of Kitty and Miles Buyers Agency joins wealth editor James...
Jun 18, 2024•31 min
Most of us invest to make money for better times. But what about needing money for when things go very wrong. Today's guest was a patent lawyer when her family was hit with a major health trauma. The experience triggered a career change into becoming a financial adviser. In today's show we cover: Emergency money - Why you must have a plan Understanding the insurance inside your super Should you bother with income protection insurance? The pro-bono financial advice network Nicola Beswick of FMD F...
Jun 14, 2024•41 min
The soon-to-be-biggest city in Australia is among the cheapest! It is also the weakest in terms of price gains this year...so what should an investor do? In today's show we cover ... Is Melbourne now the bargain of the decade? Interrogating the 'units will rebound' theory Will immigration cuts weaken the property market? The first steps in developing a property? Financial adviser Bruce Brammall joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information....
Jun 11, 2024•38 min
Ever been to a BBQ where someone told you about a unique tax strategy and you're left wondering why your accountant never mentioned this before? It might be claiming a luxury car as a tax deduction or becoming a tax resident of a tax haven like Vanuatu to avoid paying income tax. We sit down with an accountant to run through a range of "is this possible" scenarios from claiming travel costs on investment properties to determining whether you can claim pet food as a tax deduction for your dog if ...
Jun 06, 2024•38 min
High risk, high return is the perception when it comes to property development. So, no wonder that only 2% of all property investors actually engage in property development activities. If you have ever thought about property development, this is the episode for you. In this episode we cover: How to get started in property development Tips and tricks from an experienced property developer Is there still money to be made in development? Expected ROI and how to decide between cash vs debt funding P...
Jun 04, 2024•39 min
The inbox at [email protected] has been bursting at the seams - it's time to give listener questions the attention they deserve. In this show we cover: Is a stock split something to worry about? Help! I should have put this investment inside super Retirement calculators forget to tell you one thing Dividend Reinvestment programs - how they work Financial adviser James Gerrard joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information....
May 30, 2024•36 min
Using super for any reason other than retirement savings used to be taboo: Not anymore, and not when the tax system is totally loaded in favour of the homeowner. The Coalition proposal to allow super for first home buyers is gaining attention, it's an idea that will be hard to resist. James Gerrard of The Financial Adviser joins Wealth Editor James Kirby in this episode. In this episode we cover: Changing role of super in home buying Big risks with NDIS property schemes Why are some property own...
May 28, 2024•32 min
Are SMSFs worth the trouble? How much should you have in funds to get started? There are now more than 600,000 SMSFs in the local market: If you don't have a fund, it's time to think about it (and if you do have a fund: It might also be time to consider whether it is still the best tax structure for your situation). In today's show we cover: Are Self Managed Super Funds worth the trouble? What is the ideal age to begin a new fund? The latest patterns in SMSF activity from the ATO Dealing with th...
May 23, 2024•38 min
The argument against apartment investment has always been the same: 'They can just keep adding new developments'...well, not anymore. The market is changing and the statistics are there to prove it. In today's show we cover: * Why the rebound in apartment investment returns will continue * Using super for buying a home - should you? * WA wins as the best state for property investors * Is Lenders Mortgage insurance a con? Terry Ryder of the Hotspotting group joins wealth editor James Kirby in thi...
May 21, 2024•28 min
The 2024 budget was a deft piece of work: Politically astute, and supportive of low-income Australians but also a very mixed bag for investors. In today's show we cover: The budget measures that matter to investors Things the government did not do (which will make a big difference) The share market sector awash with government largesse HECs - did they really do that much? Will Hamilton of Hamilton Wealth Management joins wealth editor James Kirby in this episode See omnystudio.com/listener for p...
May 16, 2024•38 min
You might think you know the Australian property market but the goalposts are moving: Hobart had slid down the ladder, Canberra is second only to Sydney while Brisbane and Perth are charging ahead. It's time to reassess. In today's show we cover: The changing profile of big city property markets Why units are set to do better than houses (per square metre) In support of the First Home Super Saver scheme Will Perth now pass out Melbourne average home values too? Tim Lawless, head of research at C...
May 14, 2024•26 min
Is there anything behind this piece of share market folk wisdom? We find out.Also, our biggest super funds are set to expand their offerings in financial advice: What can we expect from this development - and what does it mean for independent advice? In today's show we cover : Pros and Cons of super funds offering advice The reality of 'sophisticated investor' rules Why are we selling key assets to overseas pension funds? Myth busting --Sell in May and go away Hugh Robertson of Centaur Financial...
May 09, 2024•42 min
The banks are starting to carve up the lending market by postcode. If you are inside one of the 145 (out of 3300) postcodes ANZ Bank has cherry picked you can get a special deal on larger loans. What does this mean for the market? What does it mean for you? In todays show we cover : Getting to know postcode-driven lending deals What will the Federal Budget offer for property ? The reality of falling prices on a residential market Pete Wargent of AllenWargent Property Buyers joins wealth editor J...
May 07, 2024•29 min
The plain vanilla Exchange Traded Fund (ETF) turned the Australian funds management sector on its head. Now, the whole scene is changing again with everything from Bitcoin funds to leveraged products. In today's show we cover: Everything you need to know about traditional ETFs The pros and cons of index-based funds Why ETFs don't work every time Dividends and CGT - how it works for ETF investors ETF expert Kanish Chugh joins wealth editor James Kirby in this episode See omnystudio.com/listener f...
May 02, 2024•35 min
For the first time in the history of The Money Puzzle , James Kirby is off sick. James will be back on Thursday with a new episode, but for now we hope you enjoy his chat from last December with Damon Kitney about the families behind Australia’s biggest companies. Who are they, and what can we learn from the way they invest? See omnystudio.com/listener for privacy information.
Apr 30, 2024•29 min
It might seem like only yesterday that rates were supposed to be coming down but the news changes fast: This week's inflation data has already prompted calls for RBA rate rises. One of the loudest calls comes from this week's guest... who should know - he's an expert in fixed income markets. In today's show we cover: Where to now for fixed income and bonds? The limits of exchange-traded funds What happens to 'big super' when everyone is on a pension? Why we undervalue cash Christopher Joye of Co...
Apr 24, 2024•35 min
For renters it’s been tough, for property owners it’s been plain sailing as rents grew in double digits last year. With slowing immigration intake and some easing of wider pressures, rent increases are not going to stay at those high levels.Where do rents go from here? In todays show we cover : The changing outlook for rental growth Why Melbourne and Hobart will struggle to keep pace Brisbane property powers ahead Budget hopes for HECs-laden home buyers Nerida Conisbee, chief economist at the Ra...
Apr 23, 2024•30 min
