The Money Puzzle

You might have thought that the endless escalation of mortgage rates would finish the notion of a suburb where buying was cheaper than renting.Not so.There are at least 40 suburbs around the nation that are both cheap and offer strong prospects for the home owner or investor. Terry Ryder of the Hotspotting group is Wealth Editor, James Kirby's guest in this episode. Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listener for privacy information.

This year was meant to be all about ‘value’ on the share market: Rising rates were expected to hose down the demand for tech-focused growth stocks and boring old value stocks were meant to shine. It didn't happen. ‘Because’, says top adviser Charlie Viola, ‘ the whole debate is rubbish, good companies make good investments that’s all there is to it, ‘ Sounds simple. Moreover, it sounds true. We cover: what happened to the long-promised return of value stocks? The need to take some money off the table in the months ahead, timing super contributions and should bank hybrids be classified as shares? Charlie Viola, managing director of Pitcher Partners joins Wealth Editor James Kirby on today’s episode Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listener for privacy information.

The residential market in 2023 is most unusual - prices are rising while interest rates are increasing; Up to a third of buyers don't need a mortgage and...nobody wants to do any renovation work! The blow-out in building costs, supply difficulties and sluggish response times from some local councils have combined to create a market where the perfect property is perfectly ready to inhabit, But for those willing to take the plunge and renovate the rewards may be lucrative. Dean Berman of Berman Buys is Wealth Editor James Kirby's guest in this episode. Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listener for privacy information.

The new financial year begins on July 1 and a range of key 'caps' come into play. But the outstanding item of personal tax news is that you can have an extra $200,000 in super tax-free: Yes, if you are fortunate enough to be in the upper band of super investors then the amount you can have in super where the is no tax on earnings is moving up from $1.7m to $1.9m: Who said inflation is bad news for everyone. We cover why your super contributions are rising - whether you like it or not, the generous lift in the tax-free super threshold, saying goodbye to pandemic-era drawdown rates for older Australians, and how to become a financial adviser. Financial adviser James Gerrard of www.financiladviser.com.au joins Wealth Editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

You might think higher rates keep buyers away from the property market but a remarkable 25 percent of purchasers buy outright - with no mortgage! It’s a remarkable statistic and offers an insight into a unique feature of today’s real estate market: Aging downsizers combined with freshly made fortunes from offshore underpin a considerable amount of the demand in the residential sector. Michael Matusik of Matusik Property Insight is Wealth Editor James Kitby’s guest in this week’s episode Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listener for privacy information.

The excitement around artificial intelligence has propelled the US sharemarket this year. That’s why returns stateside are three times better than the ASX over recent months. So what’s going on with AI and what does it mean for you?We cover the investment opportunity of AI, whether this is going to be a dot.com boom, when to expect the first AI billionaires and how healthcare and financial advice will change. Dudley Nevill-Spencer of the London-based Live and Breathe group is Wealth Editor James Kirby’s guest in this episode.See omnystudio.com/listener for privacy information.

The biggest factor ‘new’ factor in the property sector is the remarkable change we will see from the arrival of 400,000 people into a market population growth had been close to zero. But will the demand lift that comes from a population burst be enough to counter a consumer slowdown or even a full- blown recession? Tim Toohey, strategist and chief economist at Yarra Capital is Wealth Editor James Kirby’s guest in this episode.See omnystudio.com/listener for privacy information.

Leave the investment to me, darling! It’s still a refrain in household finances and letting one person handle all money matters is the single biggest mistake couple make, says author Jacqui Clarke. As an advisor to some of Australia’s wealthiest families, Clarke knows a thing or two about how individuals can lose when it comes to family fortunes: In today’s episode she spells out the life lessons everyone needs to know. We cover, how to manage household wealth in everyone’s interest, the attractions of pooling money for couples, building your own ‘village’ of wealth consultants and making sense of ‘buy’ recommendations from stockbrokers. Jacqui Clarke, author of “Stop Worrying about Money’ joins Wealth Editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

They don't make it easy, but any investor can directly enter the property investment market using their super. In fact, any investor with a Self Managed Super Fund can borrow to buy investment property as part of a wider diversified portfolio. Gemma Dale, Director of SMSF and investor behaviour at NAB Trade is Wealth Editor, James Kirby's guest in this episode. Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listener for privacy information.

In this week's show, we talk about whether the Australian share market is likely to finish the year in the black. We also discuss ways that investors can jump on the electric vehicle boom by investing in certain stocks and ETFs.And with interest rates rising for the 12th time in 14 months, is it time to take money out of super to pay down your home loan? We also look at the new 30 percent super tax above $3M, the devil is in the detail with an unexpected sting in the tail for those with large super balances.Stockbroker Chris Macdonald joins financial planner James Gerrard on this week's episode See omnystudio.com/listener for privacy information.

What's the temperature in the market at the moment? How are the Saturday mornings for the buyers, sellers and even the auctioneers? With clearance rates lifting, are we being misled or is caution the smart money? Jarrod McCabe from Wakelin Property Advisory joins Wealth Editor James Kirby's guest in this episode. Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listener for privacy information.

We're talking about how to tackle inflation as an active investor. We also deal with a question on discounted Listed Investment Companies which - believe it or not - leads us towards the Taylor Swift school of investing. It turns out Taylor takes tips from her ex-Merrill Lynch stockbroker dad, Scott - and she seeks out discounted closed-end mutual funds. The ASX version of this investment is discounted LICs - but are they for you? We also cover: Optimising your cash to tackle inflation, gearing at a time of high-interest rates, and getting to the bottom of family trusts. Financial adviser Bruce Brammal joins The Australian's Wealth Editor James Kirby on this week's episode.See omnystudio.com/listener for privacy information.

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 property, business and finance here - [email protected] See omnystudio.com/listener for privacy information.

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 rate movements. James Gerrard of www.financialadviser.com.au is Wealth Editor James Kirby’s guest on this episode of The Money Puzzle See omnystudio.com/listener for privacy information.

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 here - [email protected] See omnystudio.com/listener for privacy information.

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 is Wealth Editor James Kirby's guest on this week's show. See omnystudio.com/listener for privacy information.

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.

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 showSee omnystudio.com/listener for privacy information.

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 Kirby's guest on this week's show See omnystudio.com/listener for privacy information.

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, impact investing leader is Wealth Editor James Kirby's guest on this week's episode See omnystudio.com/listener for privacy information.

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.

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 showSee omnystudio.com/listener for privacy information.

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] Financial adviser Doug Turek of Minchin Moore is Wealth editor James Kirby’s guest this week.See omnystudio.com/listener for privacy information.

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 billionaires and we ask: are the super-rich happy ?John Stensholt, editor of The Rich 250 joins wealth editor James Kirby on this week's showSee omnystudio.com/listener for privacy information.

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 Perrottet See omnystudio.com/listener for privacy information.

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.

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 financial literacy in our schools. Wealth Editor James Kirby's guest this week is Caroline Stewart, the CEO of the financial literacy foundation Ecstra Questions always welcome to [email protected] See omnystudio.com/listener for privacy information.

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.

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] omnystudio.com/listener for privacy information.

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] omnystudio.com/listener for privacy information.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

James Kirby's guest this week is Eric Johnston, Associate Editor and Business Columnist on The Australian. Cybersecurity has reached a new level with the spectacular blackmailing of Medibank Private...what's next? Also for discussion, the story behind the year's most spectacular takeover battle, the future of coal and does my credit behaviour overseas affect my record at home? See omnystudio.com/listener for privacy information.

Amy Auster, chief economist at PWC joins James Kirby Wealth Editor at The Australian on this week's episode. They discuss if we will ever see a balanced budget again, how super-low unemployment is not good for the economy, if our planned tax cuts have anything in common with the UK's 'Trussonomics' and the case for a bigger GST.See omnystudio.com/listener for privacy information.

For discussion today.....tax, super and franked dividend issues in the budget, why property REITs don't pay dividends (it's distributions), investment bonds don't always work out and getting roubles out of Russia. Wealth editor James Kirby's guest this week is Will Hamilton of Hamilton Wealth Partners. See omnystudio.com/listener for privacy information.

In this episode James Kirby and adviser Stuart Wemyss take a break from reporting on what the ALP says it won't do and concentrate on what needs to be done - in a word they have to broaden the tax base by lifting GST. Also for discussion the problem with the FIRE-Early Retire movement, will gold ever come back as a hedge against trouble? Borrowing to buy shares and a second look at Cathie Wood and her ARK Fund.See omnystudio.com/listener for privacy information.

Financial advisers help you get rich and financial counselors deal with the less fortunate who find themselves in a hole – what can we learn from them? Financial counsellor Rob Burgess of Mortgage Stress Victoria joins Wealth Editor James Kirby on this week’s episode. They discuss what a financial counsellor is and why you would need one, why gamblers are treated separately in counselling, if Centrelink is an Orwellian nightmare or a useful operation, and the rules of the game for debt collectors. Questions for the podcast always welcome at [email protected] omnystudio.com/listener for privacy information.

Olivia Margana of Aspire Retire is a member of the Top 100 Advisers List. In this episode she and James Kirby discuss how too many investors rush to invest and make mistakes that cost time and money down the track.See omnystudio.com/listener for privacy information.

House prices are falling across Australia, in this episode we take a closer look at the market and find out where the first bargains may emerge with Eliza Owen, head of research Australia for CoreLogic.See omnystudio.com/listener for privacy information.

Share markets have absorbed the latest Fed Fund rate hike quite well, with the US down 17% this year and the ASX down 12% we take the pulse for active investors In this episode James Kirby and Will Hamilton of Hamilton Wealth Partners look at why Australia is doing relatively better than Wall Street, the missing ingredient for a share market rebound, the new climate for bond investors and can you plan to put your home in a self managed super fund?See omnystudio.com/listener for privacy information.