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PODCAST

The Money Puzzle

Unlock your wealth potential with The Money Puzzle. Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets. Get tips from leading experts and practical tools to help build lasting wealth. Submit your questions at themoneypuzzle@theaustralian.com.au.

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All Episodes

34:35

How to find a financial advisor

The Money Puzzle ·

2024/12/05

There were 30,000 advisers in Australia and there are 15,000 today. Worse still, there are only a teeny number of new recruits joining the sector each year. Big Super may provide a breakthrough with its plan for specialised in-house advisors, but will they be any good? Advisor Nathan Fradley joins wealth editor James Kirby in this episode. --------- In today's show, we cover * Finding a financial advisor in a shrinking market * Will your super fund be able to offer good advice?* What is debt

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27:39

Distressed property sales rising - but are they...

The Money Puzzle ·

2024/12/03

It does not take long for distressed sales to appear in a soft property market: In Sydney and Melbourne there is now clear weakness in inner-city apartment markets.But can an investor make money here? Louis Christopher of SQM Research joins wealth editor James Kirby in this episode. ------------ In today's show, we cover: * Soft spots in the metropolitan centres * Why Brisbane and Perth may hold up in 2025* Off-the-plan risks reappear * When one-bedroom units make sense See omnystudio.com/listener

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35:37

Relax... the new super tax looks dead in the water

The Money Puzzle ·

2024/11/28

Call it a surprise if you like: But the unexpected, highly irregular, badly drafted new super tax is off the agenda: What's more, it's unlikely to reappear in anything like its current shape. Then again, a parliamentary logjam has also ensured the big breakthrough on financial advice - where super funds would come into the game in a major way - is also petrified in a political deadlock. At least we can start investing with a teeny bit of certainty from here. Aleks Vickovich of the Conexus Financial

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28:51

My super, my property - What's possible?

The Money Puzzle ·

2024/11/26

You can already use funds from an SMSF to buy an investment property. But what if you could use money from your Big Super fund to buy a home? It's hardly a radical idea in an economy where you can take money out of super for cosmetic surgery! Simon Jones of HomeSuper joins wealth editor James Kirby in this episode. --------- In today's show, we cover: * The plan to tap Big Super for home buyers * SMSF opportunities in property * The government's Shared Home Equity scheme is ready to go* Are house

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31:01

Special edition: 2024 Top Advisers list

The Money Puzzle ·

2024/11/21

Need some advice about advice? At The Australian, we have expanded our annual roll call of the best advisers: The List: Top 150 Financial Advisers is out this week. To mark the occasion I'm joined by an adviser who has managed to make the list every year since it was launched in 2017. Will Hamilton of Hamilton Wealth Partners joins wealth editor James Kirby in this episode. -------------- In today's show, we cover * How to find a top financial adviser * What an adviser is looking for when they meet

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35:42

Big super cock-ups - Should you switch?

The Money Puzzle ·

2024/11/19

The Big Super funds are having a woeful run of high-profile cock-ups where customers have been let down by inept management procedures: Led by Cbus, the roll-call includes ART, Hesta and Unisuper. At what point do investors need to be concerned about failings in their super fund? James Gerrard of www.financialadviser.com.au joins wealth editor James Kirby in this episode. ---------- In today's show, we cover * Big Super's bad management * The realities of switching super funds * Commercial

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32:31

Investing in Trump time

The Money Puzzle ·

2024/11/14

Australian investors have flocked to Wall Street in recent times favouring the 'Magnificent Seven' big tech stocks - and Warren Buffet's Berkshire Hathaway group. But Donald Trump's new regime looks set to favour old-school blue chips, not to mention oil and gas stocks. What to do? Gemma Dale, head of investor behaviour at nabtrade, joins wealth editor James Kirby in this episode. ----------------- In today's show, we cover: * How to play the share market under Trump* From Elon to Warren - what's

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28:51

Unlocking the professional formula for investment...

The Money Puzzle ·

2024/11/12

Many property investors never know if they will win or lose on a property until the day they finally sell it: In contrast, professional investors don't fly blind, instead they concentrate on their Internal Rate of Return. Here's how it works. Stuart Wemyss of Prosolution Private Clients joins wealth editor James Kirby in this episode. ---------- In today's show, we cover: * Assessing the Internal Rate of Return on your property * The secret of high-yielding investment property* Why homeowners win in

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34:10

HECs - what just happened to your bill?

The Money Puzzle ·

2024/11/07

The average HECs bill is now $27,000 and many listeners will have bills that are higher than that: This week the government restructured the entire working of the student debt system - and threw in a universal 20 per cent cut on all existing HECs bills - how will it work? Hugh Robertson of the Centaur Financial Services joins wealth editor James Kirby in this episode. ------------- In today's show, we cover: HECs - The new deal Prioritising tax-deductible debt Why Trump won't help your ASX shares

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25:13

Is Sophisticated Investor status worth the effort?

The Money Puzzle ·

2024/11/05

There are two classes of private investor in Australia: Everyday retail investors and legally certified sophisticated investors (defined by law as having an annual income of at least $250,000 or assets of more than $2.5m),Today we examine the sophisticated investor regime - how it works and whether you would gain anything from making the cut. Ray Tubman of Heirwealth joins wealth editor James Kirby in this episode ------- In today's show, we cover: The great Australian $3.5 trillion wealth

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34:52

Are wayward CEOs costing you money?

The Money Puzzle ·

2024/10/31

CEO scandals are flooding the share market: Qantas, Wisetech, MinRes...the list keeps growing. The thing is, each of those companies has a board that is paid handsomely for supposedly keeping the CEO under control.What could be done to change this risk? Fund manager Roger Montgomery joins wealth editor James Kirby in this episode. In today's show, we cover: Coralling the larger-than-life CEO: A proposal The problem with independent company directors Is AI any smarter than a cat? Why can't we get

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27:41

Biggest mistakes property buyers make at auction

The Money Puzzle ·

2024/10/29

Buying at auction might seem straightforward, but unfortunately you are likely to become a bunny in the headlights when it comes to the big day. Still, knowing what can go wrong is the first step to enlightenment - and that includes being very careful in choosing a buyer's agent because some of them have so little in the way of credentials...it's alarming. Property educator, Veronica Morgan, joins wealth editor James Kirby in this episode. ------In today's show, we cover The problem with buyer's

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36:55

Could you handle a share market crash?

The Money Puzzle ·

2024/10/24

This week - in 1987 - the ASX fell 25 per cent IN A DAY. Just now the local share market is going gangbusters: In fact, it is testing its all- time valuation peak. But here's the thing: The market will crash again - we just don't know when this will happen or what might trigger the downturn. What was it like to sit through a 25 per cent drop in a matter of hours and what can we learn from it as investors? Alex Moffatt of Joseph Palmer and Sons joins wealth editor James Kirby in this episode. ------

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30:42

Should we follow the PM to the beach?

The Money Puzzle ·

2024/10/22

Every spring property investors are tempted again by the lure of the beach house: This year the Prime Minister Anthony Albanese made his move with a high-profile $4.3m purchase on the Central Coast. Is a holiday home a good investment? Let's find out... James Gerrard of www.financialadvisor.com.au joins wealth editor James Kirby in this episode In today's show, we cover: *Assessing holiday homes as an investment*Why beach houses often don't work out as planned*Making money from rentals at the

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24:49

Disappearing dividends - The hidden problem in our...

The Money Puzzle ·

2024/10/17

The chances are that your share portfolio is going gangbusters. But a paradox of our bull market on the ASX is that the dividend payouts are sliding: Anyone starting today as a share investor is going to find it much harder to get the sort of dividend income that made our market a standout.What's happening...and what should you do? Don Hamson managing director of the Plato Investment group joins wealth editor James Kirby in this episode. In today's show, we cover: * Fading dividends - Why dividend

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25:31

Yes, I'd use my super to buy a home - here's why

The Money Puzzle ·

2024/10/15

There are now several efforts afoot to use super for home buying: Liberal party politicians are pushing to allow first-home buyers to tap up to $50,000. Separately, there is a move to allow single and divorced women special access to super to avoid homelessness.Does it all make sense? Unfortunately, due to the skewed nature of our tax system, the case for using super for houses is increasingly compelling. Sarah Petty, property reporter on the Herald Sun joins wealth editor James Kirby in this

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32:32

We have to talk about the inheritance tax on super...

The Money Puzzle ·

2024/10/10

Australia has no inheritance tax, or so they say: In reality, many people will have most of their life savings in super - and much of that money may be taxed when inherited by the next generation.It's one of the important points made by our special guest today, who's just written a book on the entire subject of wills, death and taxes. Author Noel Whittaker joins wealth editor James Kirby in this episode. In today's show, we cover: * Why you need a will and you need to review it every four years *

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39:46

Keep that investment property out of super - here's why

The Money Puzzle ·

2024/10/08

Property tax concessions are highly popular - and widely debated - because they work so well. So why would you water down those concessions by having a property inside a super fund? Duncan Perkins of Tax Time Accountants joins wealth editor James Kirby in this episode. In today's show, we cover: Should investment property be inside super? Why the government's home equity access scheme is a winner If you gear property why don't you gear ETFs The history of the six-year rule for CGT See

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32:09

What can a 24 year-old tell you about investing? (you...

The Money Puzzle ·

2024/10/03

Today's guest runs a social enterprise, owns several investment properties and got out of school as fast as he could. He's just written his first book - 'Young, dumb and financially independent' - oh yes, and his mentor is Shark Tank celeb Steve Baxter. Taj Pabari of the ASE group joins wealth editor James Kirby in this episode. --------- In today's show, we cover: * The importance of starting your investment journey early * Why financial literacy should be taught in schools * Property investing

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31:15

March of the millennials:The biggest trend in property

The Money Puzzle ·

2024/10/01

For property investors looking long term, the future shape of Australia will dictate the future shape of investment returns...and the single biggest trend is going to be the movement of millennials from the inner suburbs to the middle suburbs where they are going to search for a family home. In today's show, we dig deep on demographics.... * The march of the millennials (to the middle suburbs) * Understanding the aging of Australia * Has Work From Home changed property prices? * South East

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180 results

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