Australian Retirement Podcast

In this episode of Australian Retirement Podcast, Owen Rask sits down with Kanish Chugh, Head of ETF Sales at PIMCO Australia, to unpack why higher interest rates are changing the case for defensive assets. They explore why bonds are no longer the 'boring' part of a portfolio, what today's yield environment means for retirees and income-focused investors, and why the starting yield on fixed income matters more than many people realise. Owen and Kanish break down the trade-offs between savings accounts, term deposits and cash ETFs, including why liquidity, monthly distributions and portfolio role matter just as much as headline yield. They also explain how short-duration strategies differ from longer-duration bond exposures, why retirees often need a clearer cash plan than accumulators, and how fixed income can reduce the need to sell growth assets in weak markets. If you're building a retirement income plan, managing a cash bucket or simply trying to understand where fixed income fits in 2026, this conversation offers a practical framework for researching your next move. Kanish also shares the PIMCO products and fixed income ideas investors can add to a watchlist and explains why now may be one of the most compelling periods in years to revisit bonds, cash-plus strategies and diversified defensive exposure. Episode resources – PIMCO - EARN – PIMCO - PGBF – PIMCO - PDFI – PIMCO - PAUS – PIMCO - PCRD – Ask a question (select the Retirement podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision. Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk. The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Australian Retirement Podcast, Owen Rask sits down with Ryan Dinsdale from Deposit Power to unpack a part of the property journey that can quietly shape retirement decisions: how downsizers bridge the gap between selling one home and buying the next. Ryan explains why the real challenge is rarely just finding the right property. It is timing the two transactions, freeing up enough equity, and avoiding a rushed decision that leaves cash sitting idle or forces a more expensive financing option. The conversation compares the usual paths people think about, including selling first, buying first and using a bridging loan, before breaking down how a deposit bond works as an alternative. They also explore when a deposit bond may suit retirees and pre-retirees buying off the plan, bidding at auction or trying to keep money in an offset, investments or super for longer. Just as importantly, Ryan walks through the trade-offs, the application process, the fee structure and the safeguards that help buyers understand what they are actually signing up for. If you are thinking about downsizing, helping family move, or simply want a clearer way to think about deposits, liquidity and flexibility, this episode will give you a practical framework to start with. This episode was proudly sponsored by Deposit Power. Episode resources – ⁠Deposit Power website⁠ – ⁠Deposit Power fee calculator⁠ – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, James O'Reilly and Drew Meredith unpack one of the biggest retirement planning mistakes: assuming your spending stays flat for decades. They explain why retirement expenses are rarely linear, why some costs fall away while others creep higher, and how that can change the timing of when you can comfortably stop working. The episode opens with the latest super fund return numbers and a reminder not to confuse one strong year with a long-term plan. From there, James and Drew tackle the explosion in ETF choices on the ASX. They explain why lower fees and easier access have improved investing, but also why too much choice can create new risks for retirees and near-retirees, especially when thematic products make it easy to chase stories instead of strategy. The episode also gets practical about spending. Housing, travel, health costs and helping adult children can all shape retirement in ways spreadsheets often miss. They share a useful framework for separating essential spending from discretionary spending so you can see what is fixed, what can move, and what trade-offs are actually available. They finish with a listener question on excess super contributions, explaining what happens if you breach the cap, how the ATO process works today, and why the right response is usually to stay calm and deal with it methodically. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Australian Retirement Podcast, Drew Meredith and James O'Reilly unpack ASIC’s latest report into adviser fees and the growing pressure on super platforms to prove clients are getting fair value. It’s a timely conversation for retirees, pre-retirees and business owners who are wondering what financial advice should cost, what good oversight looks like, and how to ask sharper questions before signing on. Drew and James explore why platform-based fee deductions have become such a focus, what ASIC appears to be targeting, and how poor-value advice can still slip through even in a heavily regulated system. They also break down the tension between cost and value: why the cheapest adviser is not always the best fit, why specialised advice often costs more, and what investors should expect to receive in return. The episode finishes with a practical listener question from a couple comparing two very different advice proposals. If you’ve ever wondered whether an upfront fee is too high, how ongoing fees should be judged, or what outcomes an adviser should be able to show in year one, this conversation will help you think more clearly before making a decision. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Australian Retirement Podcast hosts James O'Reilly and Drew Meredith step away from base-case planning and ask a harder question: what could genuinely go wrong for retirees if markets stop behaving? They unpack three plausible stress scenarios investors should understand: sticky inflation that keeps bond yields high and squeezes equity valuations, private-market pressure that exposes illiquidity and stretched assumptions, and a geopolitical shock from oil to Taiwan that hits supply chains, sentiment and portfolio returns all at once. The point is not to predict disaster, but to understand the chain reaction before fear takes over. Then they bring it back to real life with two thoughtful listener questions. First, what should a 60-year-old do after inheriting $500,000 when the pull between enjoying life, helping the kids and protecting retirement feels impossible to balance? Second, if retirement is only two years away, is it smarter to pay down the mortgage aggressively or lean harder into super when both peace of mind and tax efficiency matter? If you want a practical framework for thinking about downside risk, optionality and the decisions that matter most in the final stretch before retirement, this episode is a smart place to start. It is a grounded conversation about staying flexible without becoming paralysed by every scary headline. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Australian Retirement Podcast hosts James O'Reilly and Drew Meredith tackle a problem that quietly traps a lot of retirees and pre-retirees: when a great investment becomes too big to ignore, but selling feels impossible because of capital gains tax. Using familiar names like CSL and Cochlear, they unpack why tax fear can keep people stuck in overexposed positions long after the risk has changed. The real question is not whether paying CGT hurts. It does. The better question is whether holding an undiversified portfolio is even more dangerous when one position starts to dominate your retirement plan and your future income. From there, Drew and James widen the lens to the property market, why some investors underestimate downturn risk, and how high rates, weak clearance rates and stretched affordability could shape the next chapter for housing. They also explain why property often gets more emotional leeway than shares, simply because it is not repriced in front of us every day. The episode also moves from theory to action, covering when debt reduction can beat extra investing, when additional super contributions deserve a closer look, and why understanding your cash flow matters more than most people think. If you want a clearer framework for balancing tax, diversification, super and cash in the years before retirement, this episode is a smart place to start. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Australian Retirement Podcast, James O'Reilly and Drew Meredith walk through the biggest financial-year changes retirees, pre-retirees and business owners should be thinking about right now. The conversation covers the flood of FY27 planning questions now landing on advisers’ desks, from family trust rules and negative gearing changes to contribution caps, transfer balance caps and the practical reality of Div 296. James and Drew explain what is already changing, what is only proposed, and where people should be planning ahead rather than panicking. They unpack the implications of minimum tax proposals for discretionary trusts, the changing case for property, why payday super matters more than many people realise, and how asset location could become more important for people with larger balances inside and outside super. The episode also answers two practical listener questions: how reversionary pensions work inside an SMSF when Div 296 is in the mix, and whether long service leave is better taken as a lump sum, at full pay or at half pay when retirement is close. If you want a clear, grounded guide to the new financial year and the retirement planning decisions that may matter most over the next 12 months, this episode is a strong place to start. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Australian Retirement Podcast, Drew Meredith and James O'Reilly unpack the latest retreat from the Federal Budget's most controversial tax changes and what it means for retirees, pre-retirees and business owners trying to plan ahead. They explain why the government eased back on small-business CGT concessions, what the clarification on testamentary trusts really fixes, and why the age pension carve-out could become one of the most important strategic details in the whole package. The conversation then shifts to the Greens' push to ban SMSF borrowing for residential property, including why that proposal matters for rental supply, investor behaviour and the broader retirement planning landscape. Rather than stopping at headlines, Drew and James focus on the behavioural fallout: how people may respond when tax rules change, why good policy can still create bad incentives, and what retirees need to watch before making major moves with property, trusts or super. They also answer a practical listener question from a couple in their 60s weighing up an approaching retirement: should they prioritise smashing the mortgage or shovel as much as possible into super, and is an SMSF with listed assets still worth the cost once work winds down? If you want a clearer, calmer read on the Budget walk-backs, super strategy and the real retirement decisions sitting underneath the politics, this is a timely episode to queue up. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit EOFY deals to know about - ending June/July 2026 – $200 bonus for opening your first TermPlus account with $20k or more with code “EOFY26” – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, Drew Meredith is joined by Caite Brewer, a Queensland barrister who specialises in wills, estate disputes and superannuation. They unpack the estate-planning mistakes that can create years of conflict after someone dies, including DIY wills, informal wills, probate disputes, family provision claims and poor communication inside families. Caite explains why a will written on a napkin can sometimes still be valid, what solemn form probate actually means, and why executors, blended families and warring siblings can end up in court for years. The conversation also dives into superannuation, binding death nominations and family trusts. Drew and Caite explore why super is often treated differently from the rest of an estate, how small SMSF paperwork errors can derail a plan, and why specialist advice matters when family wealth is spread across wills, trusts and super. They also discuss elder abuse, the warning signs families miss, and the practical steps that reduce the risk of disputes. The biggest takeaway is simple: communicate early, keep documents current and get proper estate-planning advice before a crisis forces the issue. If you want a clearer understanding of wills, inheritance disputes, probate, super death benefits and the real-world risks of poor succession planning, this episode is a practical starting point. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, James O'Reilly and Drew Meredith unpack a side of retirement planning spreadsheets cannot solve: what happens when you stop working. Using four retirement archetypes - stayers, leavers, blenders and the disengaged - they explain why people can thrive after leaving work or feel flat, isolated and directionless even when the money looks fine on paper. The conversation then turns to the practical friction many Australians underestimate. Drew explains why getting money out of an SMSF can take longer than expected, why interim accounts and asset valuations matter, and why winding up or rolling out a fund is rarely as simple as pressing sell. They also tackle the emotional side of the transition, including how connected you are to your current work and how ready you are for what comes next. James and Drew round it out with listener questions on growth versus defensive assets at 75, reversionary pensions, and what a surviving spouse needs to think about if a death benefit may push them over the transfer balance cap. If you are planning retirement or wondering whether your SMSF still makes sense, this episode offers a clearer framework for both the lifestyle and structural decisions that come with leaving work. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, pull back the curtain on what actually happens between “let’s get some advice” and the document landing on your desk 10 weeks later — and why proper modelling involves a lot more than three columns on a spreadsheet. They also talk through a confronting client story where test-driving the retirement budget cut spending by nearly 40 per cent, and answer two big listener questions on healthcare buffers and complex SMSF property holdings. Topics covered today - Markets at all-time highs while every news headline says the world is broken — what the disconnect means for retirees - The Atlassian whipsaw and what it says about AI panic in big tech valuations - Why a statement of advice takes four to ten weeks: research, third-party authorities, modelling, quality control - Three-input modelling versus proper multivariate modelling — and why most calculators sit at the lazy end - Test-driving your retirement budget: the “rip the band-aid” case study that cut $180,000 of spend down to $110,000 - Why the most underrated job of an adviser is forcing the trade-off conversation - Hugh’s question: how much should you buffer for healthcare costs before the Commonwealth Seniors Health Card kicks in at 67? - Mr No Idea’s question: $12 million property portfolio, an SMSF property in Mernda, and why this is firmly in personal-advice territory - Retirement location reality-check — Queenscliff wind, Queensland surf breaks, and why you should rent before you buy Episode resources – Services Australia — Commonwealth Seniors Health Card – ATO myGov — review contribution caps and balances – ASIC Moneysmart — retirement planner – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, bust the myth that financial advice fees are fully tax-deductible after the 2024 changes, walk through a real client case where an insurance refund accidentally triggered the bring-forward non-concessional cap, and run the numbers on what a daily coffee, a weekly pub meal, and three streaming services really cost a retiree over 25 years. They also explain what professional indemnity insurance actually covers (and what it does not), and answer two listener questions: the best month of the year to retire, and whether a still-working 60-year-old with $2 million should set up an allocated pension now. Topics covered today – The myth that all financial advice fees are tax-deductible — what actually changed in 2024 and why accountants are tightening up – A real case study: an insurance premium refund accidentally treated as a non-concessional contribution and the bring-forward trap it triggered – Why the latest age pension increase was completely wiped out by higher deeming rates, petrol, and grocery prices – The $432,000 cost of a daily coffee, weekly pub meal, and three streaming services over 25 years — and why we still say spend it anyway – Professional indemnity insurance: what it actually covers, what it doesn’t, and why “bad returns” aren’t a claim – Mad About Money’s question: what is the best time of year to retire? (Hint: August) – Super Sandwich’s question: 60 years old, $2 million in super, still working five more years — should you start an allocated pension now? – The over-60 super recycling strategy: meeting a condition of release, drawing the minimum, and re-contributing to save up to $14,000 a year in tax If you like this Australian Retirement Podcast episode on tax, coffee, and the over-60 super loophole, you’ll love the series. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode – Wattle Partners – Northeast Wealth – ATO — deductibility of financial advice fees (TD 2024/7) – Services Australia — deeming rates – ASIC Moneysmart — conditions of release – Drew’s book — request a free copy via the show – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode was originally featured on the Australian Investors Podcast. In this episode, Owen Rask sits down with Senator Andrew Bragg for a wide-ranging conversation about the Federal Budget, housing supply, tax, productivity and why so many Australians feel the country has become harder to get ahead in. Rather than getting stuck in party talking points, they focus on the practical questions investors, business owners and workers are asking right now: what happens when policy makes it harder to build homes, why does productivity matter so much for living standards, and how do taxes, regulation and incentives shape whether Australia creates more wealth or simply fights over what already exists? Andrew explains why he believes cutting housing supply is one of the worst policy choices Australia can make, how rising rents, higher rates and broader cost-of-living pressure are changing the national mood, and why small business, private investment and simpler rules still matter if Australia wants to stay competitive. The conversation also touches on super, the role of large institutions, and why clearer economic thinking matters more when confidence is low. Owen pushes on the bigger picture too: whether Australia has lost ambition, why the policy debate feels less honest than it should, and what needs to change if Australians want better opportunities over the next decade. If you want a plain-English discussion about housing, tax, productivity, competitiveness and the long-run direction of Australia, this is a timely episode to queue next. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Drew Meredith and James O’Reilly on why AI-built retirement modelling routinely gets the numbers dangerously wrong, plus the end-of-financial-year traps and condition-of-release tricks every Australian retiree should know before June 30. In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O’Reilly, from Northeast Wealth, work through five high-stakes mistakes they keep seeing in DIY retirement plans — from AI tools that forget income tax and the age pension, to notice-of-intent timing errors that quietly delete tax deductions worth tens of thousands. They also unpack a clever (and entirely legal) condition-of-release strategy involving the Census, plus how to think about gifting an adult child a house deposit without blowing up your own retirement. Topics covered - Why AI-built and industry-fund retirement calculators keep missing income tax and the age pension - Treating AI like a sharp intern — useful, but you still have to check the work - End-of-financial-year planning: why “June” is too late and what to be doing in March and April - Notice of intent to claim — the timing trap that quietly deletes tax deductions - Excess concessional contributions: how the ATO’s flexibility has changed the game - Property settlements vs exchange-of-contracts — why the date you assume isn’t the tax date - The Census condition-of-release trick: unlocking tax-free super after 60 - Cash-out and re-contribution — saving adult-child beneficiaries tens of thousands in tax - How secure are annuities really? APRA, statutory funds, and what the government guarantee does (and doesn’t) cover - Gifting an adult child a $150k house deposit — gifting limits, the 5-year deeming rule, and why a guarantor arrangement is often the better move Resources for this episode - Wattle Partners - Northeast Wealth - ATO myGov — check your concessional cap and carry-forward space - ATO — Notice of intent to claim a deduction for personal super contributions - Services Australia — Gifting and the age pension - Challenger — Australia’s biggest annuity provider (mentioned in the annuities discussion) – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, Drew Meredith and James O'Reilly tackle one of the trickiest questions for Australians heading into retirement: if you still have a large home loan in your 50s, should every spare dollar go into the mortgage, or could super actually be the better lever? Using a real-world case study, they unpack why maximising personal deductible super contributions can sometimes leave retirees in a stronger position than aggressively paying down the loan, particularly when catch-up concessional caps and tax deductions come into play. They also explain the risks: super is locked away, markets are never linear, and the right move depends on cash flow, time horizon and confidence in the plan. The episode also explores a new push to make pensions easier to start, including the idea of defaulting older Australians into pension products later in life. Drew and James dig into where that could help, where it could go too far, and why personal choice still matters. Plus, there’s a practical conversation on how retirees can use AI in everyday life — from planning trips and social activities to making day-to-day admin easier. If you’re weighing up mortgage versus super, thinking about pension timing, or just want to retire with more clarity, this is a sharp and practical listen. Episode resources Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: ****This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with footy chaos and ageing parents challenges, then dive into what's really happening in property markets using the fresh Cotality April 2026 report. The Boomer Briefing exposes the super rollover waiting period double hit: outgoing funds must now provide risk warnings before you can switch - designed to make you think twice. But here's the absurd catch: those same funds cannot pay for independent advice about whether switching is right for you. The rules are so restrictive (SOA requirements, payment limits) that advisers won't touch it. So you get the warning... but no help navigating it. Then Drew and James unpack the growing issues in property values. The Cotality April 2026 report reveals what retirees planning to downsize or leverage equity need to know right now - pages 5 and 7 tell the real story behind the headlines. Plus: Are SMSFs actually good for retiree couples, or are most people simply not up to full control? Drew doesn't hold back. If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: Super rollover waiting period - the double hit for fund switchers Why outgoing funds can't pay for switching advice (and what that means) $250M AustralianSuper exodus - members switching blind Property values reality check - Cotality April 2026 report deep dive Are SMSFs good for retiree couples? Most aren't up to it Resources for this episode Cotality Housing Chart Pack April 2026 Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth, react to Treasurer Jim Chalmers' Federal Budget bombshell - the biggest shake-up to property and investment tax in a generation. Negative gearing has been axed for future purchases of established property. The 50% CGT discount is gone, replaced by an inflation indexation model. And for the first time, a 30% minimum CGT rate is being layered in - mirrored by a matching 30% minimum on discretionary trust distributions - aimed squarely at older Australians who'd otherwise pay less tax in retirement. Even pre-1985 assets, untouchable for over 40 years, are being dragged into the tax net. Drew and James talk through what's grandfathered, what isn't, what the 1 July 2027 start date means, and why anyone running income through a family trust needs to revisit their strategy. If you like this Australian Retirement Podcast episode on the Federal Budget, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today The headline changes from Chalmers' Budget Negative gearing - what's been axed, what survives, and the new-build carve-out The death of the 50% CGT discount and the move to inflation indexation The new 30% minimum CGT rate - and why retirees are the real target The 30% minimum tax on family trust distributions Pre-1985 assets brought into the tax net for the first time What's grandfathered and what to do before 1 July 2027 Episode resources Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: ****This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth both spent the holidays in Bright - talking reducing mobility, extending the golden years, and coaching. Plus Grace's bike crash and x-rays. The government just announced financial advisers will no longer need an approved degree - reversing post-Royal Commission reforms. Pre-2019 it was a diploma, post-RC it was a finance degree, now it's any degree plus required finance knowledge. Why the band-aid solution? Adviser numbers are collapsing: 28,000 in 2018, 22,000 in 2020, just 15,000 in 2026 - an all-time low and 46% decline. Red tape is outrageous, costs to deliver advice have ballooned (80% increase since 2019, with 320% increase in the financial advice levy), and there have been very few wins over the last decade. The Boomer Briefing tackles the global recession threat with higher inflation - slowing growth, higher costs for groceries, travel, fuel. How do you manage a recession with higher inflation where costs are increasing, returns may fall, and you have a finite pool of capital? Australia is in one of the worst positions as a net importer. If you're retiring today, should you be worried? Drew and James explain recession vs. crisis, why you can't "wait until everything settles down," and how markets rebound on outlook. Plus TermPlus questions: "If you could implant one belief into every retiree's brain on day one, what would it be?" and "If every Australian family had one conversation before someone turns 70, what's the topic?" If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with camping vs. vanning debate, optimal camping setups, and serious camping envy. Then the worst retirement advice they've ever heard clients repeat: "Put 100% of my super in crypto in the leadup to retirement," "I'll just invest in income stocks," and "Super is a scam, I'll take it all out and put it in a term deposit." The Boomer Briefing unpacks Division 296 and the CGT reset, then dives into the massive 1 July 2026 changes forcing employers to pay super at the same time as salary payments. The ATO estimates $3-4 billion in unpaid super each year - but industry analysis suggests it's closer to $5 billion, representing 3-5% of total super guarantee liabilities. Around 40% is attributed to insolvent employers, another 40% to the shadow economy (cash-based industries, contractor misclassification, underreported wages). Higher-risk workers - casuals, migrants, younger and lower-income workers, and contractors - are less likely to check super or report underpayment. Late payments attract super guarantee charges (interest and admin fees) with no tax deductibility, so employers caught with arrears may be better off resolving this in FY26. Drew and James answer questions from HardlyBroke about TermPlus capital protection and time-is-ticking on accessing super over 60 when self-employed with an ABN - can you return to work invoicing the same clients? If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Worst retirement advice ever - 100% crypto, income stocks only, super is a scam - Division 296 and CGT reset explained - 1 July 2026 super payment changes - $5B unpaid super scandal - TermPlus capital protection - is your capital really safe? - Accessing super over 60 when self-employed - ABN and same client rules Resources for this episode Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Industry super funds have been hit by hacking attempts and outages. Should you be worried? Drew Meredith and James O’Reilly break down what’s happening — plus answer your top retirement questions on super access, non-concessional contributions, downsizer rules, and early retirement strategies. If you enjoyed this Australian Retirement Podcast episode on protecting your super and retirement planning, subscribe for weekly episodes on Apple, Spotify, YouTube, or wherever you get your podcasts. Topics covered today: - Industry super fund hacks and downtime — why it’s worrying - Can you re-contribute super after drawing a pension? - Preservation rules for superannuation: 60, 65, and retirement triggers - How to add a spouse to a property title affordably - Superannuation strategies for couples with large age gaps Resources for this episode Ask a question (select the Retirement podcast) Show partner resources Visit TermPlus to learn more Have the chance to win a 5k travel voucher. Take the TermPlus survey here (last entry 31st of May) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with school holiday money-saving tips, then dive into the private credit boom sweeping retirement portfolios. Not all private credit funds are equal. Drew and James break down what retirees need to know: illiquidity premiums, fund manager transparency, borrower quality, concentration risk, and whether evergreen funds are worth the hype. What should you actually look for before jumping into private credit? Then the big question from "Panicking Parents": "My parents have $1M combined super and plan to withdraw ALL of it to move to an individual financial adviser, just like their friends did. What research should we do? How do I convince them to leave it in super?" Drew and James expose the massive red flags, tax implications, and conflicts of interest that families need to understand before making this move. If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: 1. Private credit risks - illiquidity premium, fund manager evaluation, borrower quality 2. Evergreen funds - benefits and costs reviewed 3. Concentration risk - how many underlying loans in your fund? 4. $1M super withdrawal red flags - tax implications and conflicts of interest 5. One piece of retirement advice - Drew and James' best wisdom Resources for this episode Buy Gemma’s book “The Money Reset” Speak with the Rask Advice team Ask a question (select the Finance podcast) Show partner resources Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, we take a close look at the US-Iran war volatility: Should you sell or hold? Did you know, missing the 10 best market days cuts returns in HALF. Plus your week-by-week GFC crash playbook for year 1 retirees. In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle the question terrifying every retiree: with markets down 10%, Iran war escalating, and oil prices spiking - should you SELL or HOLD? The data is brutal. Research shows missing just the 10 best market days over 30 years cuts your returns in HALF. Miss 30 days? Returns drop 84%. The kicker: 76% of the best days happen during bear markets or in the first two months of a bull market. JP Morgan found that seven of the 10 highest-returning days happened within two weeks of the market's largest declines. Drew and James debate both sides - the case for staying invested versus the "this time is different" argument - then answer a listener's question: "How safe is my super during global conflicts? Can I park it somewhere safer?" Finally, the big one: if you got a GFC-style crash in year one of retirement, what does the playbook actually look like week by week? If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Trump war geopolitics - sell or hold your portfolio? - Missing 10 best days = 50% returns loss (Hartford Funds 30-year study) - Why 76% of best days happen in bear markets - Can you park super somewhere safer during volatility? - GFC crash in year 1 retirement - your week-by-week playbook Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth expose the "balanced" fund myth. Remember "Compare the Pair"? Two funds both labeled "balanced" can hold 40% vs 80% growth assets. Despite influencing millions of retirement outcomes, "balanced" has NO legal, regulatory, or industry-standard definition. It's marketing, not investment strategy. James delivers shocking health news: Add 9 years to your life with just 7-8 hours sleep, 40 minutes moderate exercise daily, and a healthy diet. Even baby steps work - UK study of 59,078 participants found adding just 5 minutes sleep, 2 minutes exercise, and half a vegetable serving per day adds ONE EXTRA YEAR of life expectancy. The Boomer Briefing tackles three critical questions: "Where There's a Will, Is There a Way?" - With life expectancies increasing, when does it make sense to skip your retiree children and leave inheritances directly to adult grandchildren? Can you reassign your share of your parents' estate to your kids? Legal and tax implications explained, plus testamentary trust strategies. "Wood Miner" asks: How do I protect my investments from litigation and being sued? Is super in accumulation phase better protected than pension phase? Today's big question: "If aged care costs doubled in the next decade - which they might - should retirees be earmarking super specifically for that, or is that just planning for fear?" Topics covered today: - "Balanced" fund myth exposed - No legal definition, 40% vs 80% growth assets both called "balanced" - Live 9 years longer - 7-8 hours sleep, 40 min exercise, healthy diet - Baby steps add 1 year - Just 5 min more sleep + 2 min exercise + half serving vegetables - Skip generations in wills - Leaving inheritance to grandchildren instead of retiree children - Reassigning estate shares - Can you redirect your parents' inheritance to your kids? Tax implications Resources for this episode Five minutes exercise life span study Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with breaking news: The Greens have rubber-stamped Div 296 - and they're demanding MORE tax reform. James breaks down what just passed, while Drew exposes the terrifying CGT and trust changes on the horizon. Major tax changes being floated: - New $135K income threshold with stacking provisions - Cap gains tax capped at 30% maximum - CGT discount slashed from 50% to 33% The Boomer Briefing tackles why Australia's pension system ranking has fallen again in the global Mercer CFA Index. We're still top 10, but Netherlands, Denmark, and Iceland are crushing us. Why? The Mercer Index scores three dimensions: Adequacy (benefits/replacement rates), Sustainability (long-term funding), and Integrity (governance/regulation). Australia excels at capital accumulation with our $3.5 trillion super pool and APRA/ASIC regulation - but we're getting destroyed on retirement income design. The brutal truth: Australia built a world-class savings system. Northern Europe built world-class retirement income systems. The Mercer Index rewards the latter. Plus, we say goodbye to Monique Pizzica, producer of The Australian Retirement Podcast. Topics covered today: - Greens rubber-stamp Div 296 - It's official, plus they want MORE tax reform - CGT discount slashed to 33% - Down from 50%, massive tax impact - New $135K income threshold - Stacking provisions and 30% cap gains cap - Trust changes coming - What Drew's worried about - Australia's pension ranking falls - Why Netherlands, Denmark, Iceland beat us Resources for this episode Mercer CFA Institute Global Pension Index 2025 Australia slips in global pension ranking Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with provocative questions: If they had to retire TODAY on only the Age Pension, what's the first lifestyle change? And if a client wanted to blow $200K in year one on a round-the-world trip - backing them or talking them down? The Boomer Briefing tackles explosive commentary from The Australia Institute, Guardian Australia, and Grattan Institute: Should we scrap super tax concessions entirely and double the Age Pension instead? The math: Super tax concessions cost ~$55-60bn/year ($31bn contributions + $24bn earnings). Age Pension costs ~$62bn/year. The argument: abolish super breaks, double the pension. Would Australians be better off? Drew and James expose why this sounds good but creates long-term disaster: Super concessions reduce future pension costs. Kill the incentive, more people need full pensions, government pays billions more later. Plus high earners shift to trusts and negative gearing - you never recover 100% revenue. What's actually happening: Division 293/296 tax, transfer balance caps, contribution cap tightening. Today's question from "Charli": "Which ETFs can generate at least 6% per annum WITHOUT losing capital invested?" Drew and James tackle capital preservation reality, inflation erosion, and whether ANY investment delivers 6% returns with zero capital risk. If you like this Australian Retirement Podcast episode on the super vs Age Pension debate and safe returns, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle two critical developments threatening Australian retirees: escalating Iran conflict and the shocking rise in retirement costs. ASFA's Retirement Standard just hit all-time highs. You now need $730,000 for a comfortable retirement as a couple (homeowners, retiring at 67), or $630,000 for singles. This is the first increase in three years. Why the jump? Retiree costs are rising faster than general inflation. While CPI rose 3.8%, electricity jumped 21.5% (after subsidies expired), coffee/tea up 15.3%, beef up 10.8%, and domestic travel up 9.6%. Your comfortable retirement budget is now $77,375/year for couples or $54,840 for singles. The Boomer Briefing tackles the urgent question on every retiree's mind: What does Iran conflict mean for your retirement portfolio? Plus: Aware Super's Retirement Manager tool delivered shocking results - 96% of members using it now choose MORE than minimum pension drawdowns (up from 54%). What does this tell us about retiree confidence and spending behaviour? Today's big questions: "Yoda Best" asks about bucket strategies in retirement - do they actually work? And "Curious Investor" is about to exceed the transfer balance cap by $100-200K at retirement: should they keep an accumulation account or withdraw the excess and invest personally? Drew and James explore the tax implications and optimal strategies. If you like this Australian Retirement Podcast episode on Iran conflict impact, rising retirement costs, and transfer balance cap strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode ASFA Comfortable Retirement Aware Super Retirement Manager Grattan Institute Wealth Cheat Sheet Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle why CBA and BHP are both crushing it right now, plus the shocking SMSF boom: 42,000 new funds established in FY25, with the average NEW trustee age dropping to just 47 (vs 61 for existing funds). Why are younger Australians rushing to SMSFs, and 80% doing it without advisers? The Boomer Briefing covers ASIC's major crackdown on dodgy lead generators selling your details to financial advisers, how to spot ethical vs unethical lead generation, and what retirees need to know about being targeted with rollover offers. Plus: How retirees can use AI like Claude in their financial lives, and whether old-fashioned companies are better during market selloffs. Today's big question comes from "Ma & Pa Bank" - a 50-year-old couple with a mortgage-free family home and an investment property, wanting to help their late-teen kids buy homes in 5-8 years. How can they use their property equity or the investment property itself to help their children significantly before they're ready to gift cash in retirement? What creative strategies work without destroying their own financial future? Drew and James explore the biggest mistakes parents make (helping too much, too soon), the critical questions to answer first (how much can you actually afford?), and the real-world strategies that work vs the ones that sound good but wreck retirements. If you like this Australian Retirement Podcast episode on ASIC's lead generator crackdown and helping kids without wrecking your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: CBA & BHP crushing it - What's driving the performance? SMSF boom explained - 42,000 new funds in FY25, average NEW trustee age drops to 47 Why young people rushing to SMSFs - 80% set up without advisers ASIC cracks down on lead generators - How dodgy companies sell your details, what's ethical Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with football season excitement - Saints vs Dogs, tickets locked in for June 21, 2026, and the inevitable complaining about obscene player salaries. The Boomer Briefing tackles two critical topics: Q Super's Retirement Bonus - What it is, how it works, eligibility criteria, and whether it's actually worth it or just marketing spin. Selling down assets: Accumulation vs Pension phase - The massive tax differences that could save or cost you tens of thousands. When should you sell? What's the optimal timing? This is pure gold for anyone approaching retirement. Then comes the main event - "Unclench-CtrlAltRetire's" epic question: "I'm 62, currently staring terrified into the retirement abyss with $2M in cash. 50% in a bank at 4.25%, 50% in super on the Members Direct platform, treating the 'Buy' button like it's a detonator. I am paralysed by sequencing risk and overwhelmed by options, resulting in total inaction. Drew and James deliver a masterclass on: - Franking credit refunds in pension accounts (the actual mechanics) - CGT exemptions in pension phase (what IS and ISN'T covered) - Geared ETFs reality check (risk vs reward in retirement) - Dollar-cost averaging strategies to overcome analysis paralysis - Core portfolio construction for retirees - How to finally press the "Buy" button without panic This episode is essential for anyone frozen by fear with cash earning nothing while markets move. If you like this Australian Retirement Podcast episode on pension phase tax strategies and overcoming investment paralysis, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth deliver critical updates on tax changes and relationship traps that could cost you thousands. After quick summer highlights and the CBA share price update (plenty of AI-driven outperformers despite volatility), they dive into the Boomer Briefing's two massive topics: PROPOSED CGT CHANGES - New proposals threatening the capital gains tax discount could dramatically affect retirement planning and asset sales. Drew and James break down what's being proposed, who's pushing for it, which assets are targeted, and what retirees should do RIGHT NOW before potential changes take effect. Should you accelerate asset sales? Change your portfolio strategy? This is urgent information every retiree needs. INTEREST RATES & INVESTMENT MARKET IMPACT - What's happening with rates and how it's reshaping portfolio strategies heading into 2026. Then comes the de facto relationship pension trap: "Not Your Average Listener" asks: "I'm 64M on Disability Support Pension with limited assets. My partner (57F) is working full-time with investment properties and shares - doing much better financially than me. We're looking to move in together soon, but I'm concerned about what this will do to my pension. Can you demystify this for me?" Plus: Savvy Stay-at-Home Mum's credit card hack - Using interest-free periods with a redraw account to save $10K/year on a $200K mortgage. Does it actually work over 10 years? If you like this Australian Retirement Podcast episode on CGT changes and pension relationship traps, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with high energy - school drop-offs turning them into unpaid taxi drivers, interest rate movements affecting overseas travel plans, and whether term deposits are finally worth a look again. The Boomer Briefing tackles two massive stories shaking up the super industry: First Guardian & Netwealth finally came to a deal. After months of drama, the collapsed super fund scandal has reached resolution. Drew and James break down what happened and what it means for members. AustralianSuper is experiencing competitive outflows as more members flee to platforms. Why? Access to advice, better retirement planning tools, and broader support beyond generic product offerings. The industry super dominance is being challenged by platforms offering personalized service. What does this mean for your super choice? They also dive into what's happening with commodities - gold, silver, and crypto movements that captured headlines this week. Then comes today's big question from Stephen Fry (not that one): A 54-year-old truck driver earning $150k with overtime, $420k in super, salary sacrificing $210/week. His wife is 50 with $60k super, sacrificing $100/week. They have $50k in personal loans and credit card debt clearing in 2 years. Both earn around $70k base salary. Stephen knows he needs professional financial advice but it's not cheap. His critical question: How far out from retirement should he seek professional advice? Drew and James deliver the brutal truth about timing your first adviser meeting - wait too long and you've missed critical opportunities. Move too early and you might waste money. They break down the sweet spot and what Stephen should do RIGHT NOW. If you like this Australian Retirement Podcast episode on when to hire advisers and super fund strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with Drew's CBA share price bet update. The bet backfired when CBA fell in 2025, costing Drew $150. But he's doubling down - the new bet is whether CBA will finish above or below $150. Will Drew learn his lesson? The Boomer Briefing tackles a fascinating trend: Why are retirees checking their super balances more than their kids' wellbeing? New data reveals heightened anxiety among retired members, particularly in funds like UniSuper where engagement with retirees has spiked. Drew and James unpack what's driving this retirement anxiety and whether it's justified. They also break down what balanced returns look like for calendar year 2025 and reveal the 2025 top super fund performers according to SuperRatings. Then comes today's big question: How do you avoid or reduce paying a massive $130k capital gains tax bill when selling an investment property at or just before retirement? A 61-year-old listener with $800k in super, still working and planning to retire at 65, needs smart CGT strategies. Drew and James deliver practical solutions. Plus, the Moooving Paramedic (the 41-year-old farming paramedic with 5 kids) asks whether he should switch from pre-tax to post-tax super contributions. Currently contributing 9% via salary sacrifice and looking to increase, he's worried about the 15% tax on payout. Should he diversify his contribution strategy now? If you like this Australian Retirement Podcast episode on CGT planning and super strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Drew's CBA bet backfires - Lost $150 as CBA share price fell in 2025, now doubling down on over/under $150 - Balanced fund returns for 2025 - What to expect from your super this year - Retiree super anxiety - Why retirees are checking super more than their kids, - UniSuper engagement spike - 2025 top super performers revealed - SuperRatings breakdown of best-performing funds - How to avoid $130k CGT bill - Strategies for selling investment property at retirement (61yo, $800k super, retiring at 65) - Pre-tax vs post-tax super contributions - Moooving Paramedic's dilemma: 41yo with 5 kids, 9% salary sacrifice, should he add post-tax? Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth break down the complete landscape of retirement income in Australia. One of the most common questions financial advisers hear is: "Where will my income actually come from in retirement?" The answer isn't simple—and that's actually a good thing. The most successful retirees don't rely on a single income source; they strategically combine multiple streams to create flexibility, tax efficiency, and security. Drew and James walk through the five main sources of retirement income: allocated pensions from your super, the Age Pension, investment income from shares and property, term deposits and savings accounts, and annuities. They explain how each works, the pros and cons of different strategies, and why having multiple income sources is crucial for managing risk and maintaining lifestyle throughout retirement. They also tackle a big question: Is property really the right asset for retirement income? The answer might surprise you. If you like this Australian Retirement Podcast episode on retirement income strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Allocated Pensions: Converting your super into regular income - Why starting an allocated pension is often a "no-brainer" decision - Understanding minimum drawdown requirements and tax benefits - The Age Pension: Why over 90% of retirees receive it - Investment income: Shares, dividends, and franking credits - Property income in retirement: Is it the right choice? - Annuities explained: Guaranteed income with trade-offs - Why combination is key: Asset allocation and opportunity cost - The importance of liquidity in retirement Resources for this episode Centrelink AP Back to basics ep 2 Pension w Justin Bott Pension w Justin Bott (2) Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth explain the critical building blocks of a resilient retirement portfolio. Whether you're just starting to think about retirement or already managing your super, understanding asset allocation is one of the most important investment concepts you'll ever learn. This isn't about picking the next hot stock or timing the market—it's about building a portfolio that can generate returns while managing risk over decades. Drew and James break down what asset classes actually are, why diversification matters more in retirement than at any other life stage, and the practical tools you can use to implement a smart asset allocation strategy. They also explain Modern Portfolio Theory in plain English and show you how to think about combining different assets to maximise your potential returns while keeping volatility manageable. If you like this Australian Retirement Podcast episode on asset allocation and diversification, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - What is an asset class and why does it matter? - Breaking down the major asset classes: Cash, Fixed Interest, Shares, Real Assets, and Alternatives - Understanding asset allocation and Modern Portfolio Theory - Why diversification is critical when you have a finite pool of capital in retirement - The tools available to implement your asset allocation strategy - How different assets perform in different market conditions - Building resilience through both growth and income assets Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

The Rask 2026 stock market game is live - it's called Stock Genius. Available at stockgenius.com.au, in collaboration with Navexa, the Rask Stock Market is open for you to compete and enjoy with over 1,000 fellow investors. In this episode, we cover: - Is AI killing app investing in 2026? - Are you a stock market genius? Play our game to find out - How the game works - Smart tracking for portfolios - Owen and Navarre’s top picks Resources for this episode Join the game: https://www.stockgenius.com.au/ Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 Rask resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: Instagram: https://www.instagram.com/rask.invest TikTok: https://www.tiktok.com/@rask.invest Disclaimer: The information contained in this podcast episode is strictly general in nature. It does not take into account your needs, goals or objectives. So do not act on the information until you have spoken to your financial adviser. The Rask Group Pty Ltd is a corporate authorised representative (No. 1313447) of Rask Licensing Pty Ltd (AFSL: 563 907). The information in our shows is general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) and Target Market Determination (TMD) before making a decision to acquire any financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms & Conditions and Financial Services Guide on rask.com.au/legal. The Stock Genius website is built and maintained by Navexa. It does not provide financial, legal or tax advice of any kind. The Rask Stock Market Game has been created purely for educational and entertainment purposes. It is not real money and should never be considered as a recommendation, "stock picking", or investment service. The purpose of the game is community, not recommendations for, or against, investments. Investing is risky and can result in permanent capital loss. The Rask Group Pty Ltd and Navexa do not endorse or recommend investments as part of the Stock Genius website, and make no warranty for the performance of portfolios. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth continue their back-to-basics summer miniseries by tackling one of the most important decisions in retirement planning: which type of super fund is right for you? While the super rules are the same for everyone, the differences between industry funds, SMSFs, platforms, and corporate funds can have a huge impact on your retirement outcome. Drew and James break down what really matters when comparing options: control over investments, transparency of holdings, fee structures, flexibility in strategies, and the ability to tailor your approach. They also demystify the fee structures you'll encounter - from trustee and member fees to administration costs, investment fees (MER and ICR), and transaction costs. Understanding these differences is crucial whether you're starting out or considering a switch in your pre-retirement years. If you like this Australian Retirement Podcast episode on super fund options, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - The four main types of super funds: Industry, SMSF, Platform, and Corporate - Super rules are the same - so what really differs between funds? - Control: How much say do you have over your investments? - Transparency: Can you actually see what you own? - Fee structures compared across different fund types - Flexibility and the ability to tailor strategies to your situation - Understanding the commoditization of super - Breaking down ALL the fees: Trustee/member, admin/platform, investment fees (MER/ICR), and transaction costs Resources for this episode - ASIC's MoneySmart Super Fund Comparison - ATO Self-Managed Super Funds - Watch our previous episodes on super contributions: [https://youtu.be/xE-Cnq9diQk] and [https://youtu.be/Dr6NcUw5Tvg] Ask a question (select the Retirement podcast): https://bit.ly/R-quest Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth continue their summer miniseries by tackling the complex world of getting money OUT of your super. They break down the critical concepts of taxable vs tax-free components, preservation age, and the various conditions of release that allow you to access your super. Drew and James explain the difference between lump sum withdrawals and pension payments, and dive into the tax implications - including the infamous 20+ different tax rates that can apply to super (check out their dedicated video for the full breakdown). They also cover the more sensitive topics of death benefits, invalidity payments, and compassionate release provisions including terminal medical conditions. If you like this Australian Retirement Podcast episode on accessing your super, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Understanding taxable vs tax-free components in your super - What is preservation and when does it end? - Conditions of release - when you can legally access your super - Lump sum withdrawals vs pension payments - what's the difference? - Tax implications of super withdrawals (and why there are 20+ different rates!) - Death benefits and how super is distributed when you die - Invalidity and compassionate release provisions - Terminal medical condition payments - accessing super tax-free in your final months Resources for this episode - ATO Preservation Age - ATO Conditions of Release - ATO Death Benefits - Ask a question (select the Retirement podcast): https://bit.ly/R-quest Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth kick off their summer miniseries by going back to basics on super contributions. They break down ALL the ways you can get money into super, including concessional contributions (employer, salary sacrifice, and personal deductible), non-concessional contributions, the downsizer scheme, and the often-overlooked CGT retirement exemption that could let you contribute up to $500,000 tax-free. Whether you're just starting out or want to maximize your final years before retirement, this episode gives you the complete playbook - plus one simple tip that could change everything: automate your contributions. If you like this Australian Retirement Podcast episode on super contributions, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Why bother contributing to super at all? - Concessional contributions explained: employer, salary sacrifice, and personal deductible - Understanding contribution caps and catch-up provisions - Non-concessional contributions and the bring-forward rule - Downsizer contributions - the $300,000 opportunity - CGT retirement exemption - up to $500,000 per person - The one automation tip that makes contributions effortless Resources for this episode - ATO Concessional Contributions - ATO Non-Concessional Contributions - ATO Downsizer Contributions - Ask a question (select the Retirement podcast): https://bit.ly/R-quest Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been an incredible year for the Australian Retirement Podcast! As we head into the Christmas break, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth look back at the biggest moments, most important lessons, and most-watched episodes of 2025. From market volatility and ethical investing debates to government policy changes and real-world retirement strategies, this year has been packed with insights to help you navigate your retirement journey. In this special highlights episode, Drew and James revisit: The 20 things every retiree should do – MyGov and carried forward contributions (Jan 2025) Bec Wilson on planning for 30 years of retirement income (27 March) Retiring early – maximising your peak saving years (31 October) Inheritance shock and hidden taxes on estates (22 May) Division 296 super tax changes – is your super tax going up in 2025? Justin Bott from Services Australia on Age Pension strategies Travel smart tips and the $20k portfolio impact (26 June) The $1.2 billion super scandal breakdown (24 October) Key lessons learned and what's coming in 2026 Whether you're new to the podcast or a long-time listener, this episode is the perfect way to catch up on the year's most important retirement lessons. If you like this Australian Retirement Podcast Christmas special, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Drew Meredith, from Wattle Partners, sits down with retirement expert and best-selling author Bec Wilson to explore the Epic Retirement Tick - a groundbreaking framework for assessing retirement readiness. Bec, author of How to Have an Epic Retirement and Prime Time, founder of Epic Retirement and educator, shares insights from her latest initiative addressing a critical gap in Australia's retirement landscape. While we have excellent tools for accumulation, the transition to retirement often leaves Australians feeling uncertain about whether their super fund can truly deliver the retirement they've been promised. The Epic Retirement Tick emerged from recognising this gap - a comprehensive assessment framework covering 18 key criteria that super funds should meet to be genuinely retirement-ready. From the purpose of the assessment to the products included, Bec explains how this differs from simply chasing low fees and top performance during accumulation phase. Drew and Bec discuss the role of the Epic Retirement Institute, the partnership with Chant West in developing this assessment, and the surprising trends emerging in retirement products across Australia. They also touch on the Retirement Income Covenant introduced in 2022 and why progress has been disappointingly slow despite regulatory momentum. If you're approaching retirement or already there, this episode offers invaluable insights into what your super fund should be doing to support you through this critical life transition. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Introduction to the Epic Retirement Tick and why Bec created it - The 18 key criteria for retirement-ready super funds - How the Epic Retirement Tick differs from accumulation-focused assessments - The role of Chant West and the Epic Retirement Institute The Retirement Income Covenant (2022) and its slow implementation - Trends in retirement products and what super funds need to do to get the "tick" - What Australians approaching retirement should know about this framework Resources for this episode ⁠Ask a question (select the Retirement podcast)⁠ ⁠Epic Retirement Tick information⁠ ⁠Download Bec's Epic Retirement checklist⁠ Bec Wilson's books: Prime Time and How to Have an Epic Retirement ⁠Ask a question (select the Retirement podcast)⁠ ⁠Visit TermPlus to learn more⁠ Rask Resources ⁠All services⁠ ⁠Financial Planning⁠ ⁠Invest with us⁠ ⁠Access Show Notes⁠ ⁠Ask a question⁠ ⁠We love feedback!⁠ Follow us on social media: Instagram: ⁠@rask.invest⁠ TikTok: ⁠@rask.invest⁠ DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth tackle one of the most complex parts of Australian retirement planning: the superannuation tax system. How many different tax rates apply to super? The answer might shock you - it's around 20 different rates, depending on your situation! Drew and James break down every tax that can hit your superannuation at different stages: – Contributing to super: From the standard 15% contributions tax to Division 293's extra 15% for high earners – Growing your super: Investment earnings, capital gains, and the new Division 296 tax on balances above $3 million – Accessing your super: The zero-rate sweet spot after 60, and the traps if you access it earlier – Leaving super behind: Death benefit taxes that can hit your beneficiaries with rates up to 32% Plus, in the opening banter, James shares stories from his Disney cruise weekend and the eye-watering cost of Oasis concert tickets. Are luxury holidays actually cheaper than camping these days? If you like this Australian Retirement Podcast episode on super taxes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - The 20 different tax rates that can apply to your superannuation - Contributions taxes: 15%, Division 293, and excess caps - Earnings taxes: Accumulation vs pension phase - Non-arm's length income (NALI) and the 45% trap - Division 296: The new tax on super balances above $3M and $10M - Strategies to minimise super taxes throughout your retirement journey Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask speaks with Tony Crescenzi, Executive Vice President and Market Strategist at PIMCO, to discuss: – Why defensiveness is PIMCO’s current strategy – The lessons from over four decades in markets – The concept of a new global monetary order – Where bonds fit for modern Australian investors If you love learning about macro investing, fixed income or market strategy, subscribe to the Australian Retirement Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠! Follow us on ⁠Instagram⁠ and ⁠TikTok⁠ for more investing insights. Topics Covered – Tony’s best non-financial investment & personal reflections – What he looks at each morning to gauge markets – Where this moment ranks in terms of global dislocation – Insights from his books and what his next one might be – Tariffs as a historic experiment & biggest market risks – How he thinks central banks will respond next – The “new global monetary order” and how it’s unfolding – Revising the 10-year yield: what’s changed? – How PIMCO expresses a defensive framework in portfolios – Advice for Aussie investors with equity-heavy portfolios – The future of the 60/40 portfolio model – Why Crescenzi maintains optimism amid macro uncertainty – AI’s potential impact on bond investors & PIMCO – What gives Tony hope and perspective as a long-term investor – What Tony would tell his younger self about markets and life Resources for This Episode ⁠Learn more about PIMCO’s outlook and strategies⁠ ⁠Tony Crescenzi at PIMCO⁠ ⁠Ask a question (select the Retirement podcast)⁠ ⁠Visit TermPlus to learn more⁠ Rask Resources ⁠All services⁠ ⁠Financial Planning⁠ ⁠Invest with us⁠ ⁠Access Show Notes⁠ ⁠Ask a question⁠ ⁠We love feedback!⁠ Follow us on social media: Instagram: ⁠@rask.invest⁠ TikTok: ⁠@rask.invest⁠ DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle a diverse range of retirement topics that matter right now. They kick off with market optimism - CBA is floating around $168, and the hosts ask the provocative question: What if everything goes right? What if Middle East tensions ease, Russia-Ukraine resolves, China stabilizes, and tariff wars end? They also discuss the potential impacts of Australian government policy changes on housing, negative gearing, superannuation, and land tax. The Boomer Briefing covers a crucial development: the ATO is ramping up its use of anti-avoidance laws to target professionals like lawyers, accountants, doctors, and tradies who are using family trusts to redirect income to spouses and children to minimize tax. With AI tools like ChatGPT potentially automating these strategies, the scrutiny is only increasing. Topics Covered Today: - Road tripping to Gippsland and Daylesford - The optimism scenario: What if everything goes right? - ATO crackdown on family trust tax avoidance - AI revolution - What happens when ChatGPT automates tax strategies? - What's happening with AI investments globally - should retirees be invested? Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode was originally featured on The Australian Finance Podcast. In this episode of The Australian Retirement Podcast, Gemma Mitchell is joined by Tahli — educator, retirement specialist and long-time member of the Rask team. After working with hundreds of Australians approaching retirement, Tahli has seen the same patterns over and over again. Most people feel unprepared. Many feel intimidated by the jargon. And almost everyone worries they’ve “left it too late”. This conversation cuts through the noise and gives listeners a clear, calm starting point for planning the next stage of life. Together, Gemma and Tahli unpack what retirement really looks like in Australia, the biggest misconceptions, and the practical steps that matter most in your 50s and 60s. In this episode, you’ll learn: - Why so many people walk away from retirement chats feeling more confused than when they started - How to map out your own personal balance sheet to work out where you stand - Why lifestyle planning is just as important as the numbers - What “asset rich, cash poor” means and why it catches so many retirees by surprise - How Centrelink treats things like granny flat arrangements and family support - The biggest myth about retirement planning and why relying on “it’ll sort itself out” can derail your goals - What to focus on if you're five to ten years away from finishing full-time work - How to engage with your super fund and what questions to ask right now - Why diversification is about more than investment choices — and how different structures can create flexibility later in life - Simple tools and exercises that help people get clarity, including the spreadsheet Tahli uses with her own clients If you’re ready to understand how retirement works, feel more confident, and make the next decade easier to navigate, this episode is for you. Resources for this episode ⁠Retirement Mastery Course⁠ Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Investors Podcast episode your host, Owen Rask, chats with PIMCO portfolio manager Rob Mead on how fixed income / bond investing works, why timing matters and reasons to invest right now. If you like ETF investing, bonds, passive income, managed funds, or the stock market in general, here's what you'll get: - Rob's lessons from 20 years in bonds- Does timing matter? - Why 95% of a bond's return is the starting point - How to understand the 'yield curve' and maturities - Does Rob think now is the best time to invest in 20 years? - PIMCO's new EARN ETF and what it doesIf you like this Australian Investors Podcast episode on ETF investing, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.This podcast is proudly sponsored by PIMCO. Who is Rob Mead? Robert Mead is a managing director in the PIMCO Sydney office and co-head of Asia-Pacific portfolio management. Previously, he was an executive vice president of the PIMCO Group, based between Munich and London. Prior to joining PIMCO in 2003, he was a managing director and head of European fixed income at Citigroup Asset Management based between London and New York.He has 36 years of investment experience and holds an undergraduate degree from University of Technology, Sydney, and a graduate diploma in applied finance and investments from the Securities Institute of Australia. Episode Resources - ⁠View PIMCO ETFs⁠ - ⁠Episode with PIMCO's Kanish Chugh on Active v Passive⁠ - ⁠PIMCO's Aaditya Thakur on Aussie bonds and what an FI manager actually does⁠ Ask a question (select the Retirement podcast) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Investors Podcast episode, your host Owen Rask speaks with Chris Bedingfield of Quay Global Investors about:– Why real estate is an inefficient market– How replacement cost drives long-term property value– Why global REITs offer diversification Australian REITs can’t– Where today’s best opportunities lie across global property sectorsIf you love learning about property, REITs, global markets and income investing, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube!Follow us on Instagram and TikTok for more investing insights.Topics Covered– Why most investors use the wrong metrics to value real estate– Global vs Australian REITs — major structural differences– How Quay identifies companies trading below replacement cost– Today’s biggest opportunities across housing, storage, senior living and more– Final thoughts on cycles, risk, leverage and staying patientResources for this episodeAsk a question (select the Investors podcast)Visit TermPlus to learn more ⁠Website⁠⁠ Youtube Event⁠⁠ Community Event Link⁠ Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth discuss the significant changes to Australia's proposed Division 296 superannuation tax legislation. The government has made substantial amendments to the controversial super tax policy, addressing many of the concerns raised by financial advisers, industry groups, and retirees. The most significant change? The removal of tax on unrealised capital gains - a world-first proposal that would have set a dangerous precedent. Drew and James explain what the original proposal entailed, why it was problematic, and what the new changes mean for Australians with substantial superannuation balances. They also discuss the introduction of a new $10 million threshold, indexation of caps, and the delayed implementation timeline. Whether you're approaching retirement with a growing super balance or already retired and managing your wealth, this episode provides crucial insights into how these tax changes might affect your retirement planning strategy. If you like this Australian Retirement Podcast episode on the Division 296 changes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics Covered Today - What's happening with gold prices and should you be buying gold NOW - Division 296 Tax Explained: The original proposal and its problems - Breaking Changes: Removal of unrealised capital gains tax - Introduction of the $10 million threshold with 40% tax rate - Who will be affected: 90,000 at the $3m threshold, 8,000 at $10m - Outstanding issues with defined benefit pensions Resources for this episode - Ask a question (select the Retirement podcast) - Visit TermPlus to learn more Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask sits down with David Gardner (co-founder of The Motley Fool and author of Rule Breaker Investing) to discuss: – Beating the market vs indexing – The “lose to win” philosophy and position sizing – The six traits of rule-breaker companies – Conscious capitalism, purpose and culture If you love learning about growth investing and finding outliers, subscribe to the Australian Retirement Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠! Follow us on ⁠Instagram⁠ and ⁠TikTok⁠ for more investing insights. Topics Covered – Beating the market: why David still believes individuals can outperform and why most don’t try – Lose to win: accepting frequent small losses to capture rare, massive winners (Babe Ruth analogy) – Six rule-breaker traits: top dog & first mover, sustainable edge, strong price action, leadership/backers, brand love, and “overvalued” narratives – Final thoughts & how to learn more: AI’s role in research (not a reason to quit stock picking) and making portfolios reflect our best vision for our future Resources for this episode ⁠Ask a question (select the Retirement podcast)⁠ ⁠Visit TermPlus to learn more⁠ Rask Resources ⁠All services⁠ ⁠Financial Planning⁠ ⁠Invest with us⁠ ⁠Access Show Notes⁠ ⁠Ask a question⁠ ⁠We love feedback!⁠ Follow us on social media: Instagram: ⁠@rask.invest⁠ TikTok: ⁠@rask.invest⁠ DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast Halloween special, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth share spine-chilling finance horror stories from their years as financial advisers. Happy Halloween! 🎃 While most people are worried about ghosts and ghouls, Drew and James reveal the truly terrifying mistakes they've witnessed in retirement planning. From presenting the wrong portfolios to clients, to $50K call option disasters, property agreements that went wrong, and investors switching to defensive at the market bottom - these real-world horror stories will make you think twice about your own financial decisions. They also tackle the Fed's rate cutting cycle and explain why interest rates are actually more volatile than share markets (spoiler: it's scarier than you think!). Topics covered today - Happy Halloween - it's time for finance horror stories! - The Fed's rate cutting cycle explained - Why interest rates are more volatile than share markets - James’ biggest retirement hauntings - Drew’s scariest retirement mistakes Resources for this episode - Ask a question (select the Retirement podcast) Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! Follow us on social media Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth expose one of Australia's biggest superannuation scandals and explain what it means for your retirement. With $1.2 billion locked up and nearly 12,000 investors affected, the Shield Master Fund (via Macquarie) and First Guardian (via Netwealth) collapses have sent shockwaves through the industry. Drew and James break down what happened, from aggressive 10-15% return promises and faulty Statements of Advice, to conflicted investment models and "industrial-scale" misconduct. They explain how 'lead generators' and dodgy financial advice referrals drove investments into associated entities and high-risk illiquid assets, why both funds are now frozen without enough money to repay investors, and what ASIC's investigation has uncovered. Plus, they answer a critical listener question: Should you diversify your super across multiple providers to stay within the $150,000 CSLR protection limit? If you like this Australian Retirement Podcast episode on protecting your super, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today - Log cabins in Bright/Taggerty - the retirement dream? - Understanding the Shield Master Fund collapse (Macquarie platform) - The First Guardian debacle (Netwealth platform) - Similar firms caught up: Venture Egg, United Global Capital - The difference between Shield and First Guardian (but similar problems) - Consumer Scheme Levy Relief (CSLR): $150k per person protection explained Resources for this episode - ASIC's Shield Master Fund investigation page - CSLR information - Ask a question (select the Retirement podcast) Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question or give us feedback DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s the Australian Retirement Podcast’s first birthday! Drew Meredith and James O’Reilly look back on a huge year of markets, headlines, and retirement conversations — from Div 296 and global tariffs to the AI investment boom, Japan ending negative rates, and what the return of Trump could mean for investors. They also answer your most-asked retirement questions: how age gaps affect Age Pension eligibility, what late starters can do to catch up on super, and whether to invest inside or outside super after paying off the home early. Whether you’re 45 or 65, this episode is packed with practical lessons from 60 episodes, 170K listeners and a year of helping Australians retire with confidence. In this episode we cover: – One year of ARP: 60 episodes, 170K listens, 200K YouTube views and what we’ve learned – Market wrap: Div 296, tariffs, AI boom, Japan and Trump’s return yet returns remained robust – How age gaps affect Age Pension eligibility – Catch-up strategies for late starters with low super – Super vs non-super investing after paying off the home Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, host Gemma Mitchell is joined by Ben Kingsley, one of Australia’s leading property investment advisers, founder of Empower Wealth, and Chair of the Property Investors Council of Australia (PICA). Ben, along with his long-time business partner Bryce Holdaway, has just released their third book, How to Retire on $3,000 a Week. Together, Ben and Bryce have built a reputation for simplifying property investing for everyday Australians. They’re also the co-authors of best-selling titles Make Money Simple Again and The Armchair Guide to Property Investing. While Bryce couldn’t join us today, Ben shares insights from their latest work and decades of experience helping investors grow wealth through property. Episode Resources ⁠⁠- Connect with Ben and Bryce⁠⁠ - ⁠⁠Buy their book⁠⁠ - ⁠⁠Buy Gemma’s book “The Money Reset”⁠⁠ - ⁠⁠Ask a question (select the Finance podcast)⁠⁠ ⁠⁠⁠Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. ⁠⁠Access The Rask Group's Financial Services Guide (FSG)⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, Drew Meredith from Wattle Partners sits down with best-selling author Bec Wilson to talk about her new book Prime Time, why she wrote it, and the 27 lessons for living well in life’s next stage. They also cover how to think about super funds in retirement, the return of the “tick” test, and why lifestyle planning matters just as much as financial planning for those thinking about retirement. Topics covered today: – Prime Time – what it is, and how it differs from Epic Retirement – The 27 lessons for navigating this stage of life – Surprising mistakes people make stepping into retirement – The three phases of the transition to retirement – Lifestyle and social guidance vs. financial guidance – Key resources that can set you on the course to making your retirement the best – Why the best time to start is now Resources for this episode Visit TermPlus to learn more Bec’s resources Bec’s new book Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask sits down with Kanish Chugh (from PIMCO) to discuss: - The hybrid securities market and why APRA is phasing out bank hybrids – What income investors (especially retirees) should consider in 2025 – The outlook for fixed income, bonds and private credit as interest rates fall – PIMCO’s research-backed strategy for income investors post-hybrids Topics Covered – What are hybrid securities and why APRA is shutting them down by 2032 – What this means for income-focused investors and superannuation strategies – How hybrids work compared to bonds and floating rate securities – The impact of falling interest rates on income investments – PIMCO’s research into 38 hybrids and how it’s building portfolios to match risk-return – Portfolio construction: replacing hybrids with bonds, credit and active income strategies – How to evaluate ETF yields and how PIMCO builds diversified fixed income portfolios – Final thoughts on risk, private credit, and doing your research ~~ Episode Resources ~~ – ⁠PIMCO hybrid analysis⁠ – ⁠Libby Cantrill⁠ – ⁠Visit TermPlus to learn more⁠ ~~ Rask Resources ~~⁠ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) ⁠here⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly unpack the rise of the Bank of Mum and Dad and the tough decisions facing parents who want to help their kids buy a home. Should you gift cash, go guarantor, or use other strategies? They explore the risks and rewards of each approach, how guarantor loans work, and what it means for your retirement and estate plans. Plus, they cover key retirement questions, including how to get tax back before starting an allocated pension and the basics of how estates work. Whether you’re planning to help the next generation or protecting your own financial future, this episode is packed with practical insights. In this episode we cover: – Are more tax changes on the cards from the Productivity Commission? – The pros and cons of gifting cash vs. going guarantor – How guarantor loans work, including the role of LVR (loan-to-value ratio) – The family, financial, and estate planning considerations when helping the next generation – Do this before you switch on your pension Resources for this episode Visit TermPlus to learn more Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask sits down with Aaditya Thakur (PIMCO) to discuss: – What a bond fund manager actually does – The role of macroeconomic forecasting in fixed income – PIMCO’s multi-layered investment process – Why bonds still matter for investors in 2025 ~~Topics Covered~~ – What a bond portfolio manager actually does day to day – Top-down vs. bottom-up bond analysis – How PIMCO runs global investment strategy sessions – Why bonds offer diversification and income for Aussie investors ~~Resources for This Episode~~ - ⁠Visit TermPlus to learn more⁠ - Pimco Australian bond fund - Pimco ETFs ~~ Rask Resources ~~ 🔗 ⁠Explore all Rask services⁠ 📋 ⁠Get Financial Planning⁠ 📈 ⁠Start investing with Rask⁠ 📜 ⁠Access Show Notes⁠ ❓ ⁠Ask a question⁠ – just select the Retirement Podcast 📲 Follow us on social media: – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) ⁠here⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly break down the latest retirement news and what it means for you. They discuss upcoming Age Pension changes, including updates to deeming rules and payment increases, and how these may affect retirees’ cash flow and eligibility. The conversation also tackles the fallout from the collapse of Dixon Advisory, what it says about conflicts of interest in financial advice, and the cancellation of the government’s inquiry into the failed business. Finally, Drew and James share their views on what to watch for when selecting an adviser — from marketing tactics and “low-cost” options to ensuring you’re getting real value and trusted guidance. Topics covered today: Age Pension changes: deeming rules and payment increasesWhat the Dixon collapse means for retirees and advisersThe cancelled government inquiry into adviceChoosing the right adviser: marketing, cost and quality Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Age Pension updates https://www.servicesaustralia.gov.au/how-much-age-pension-you-can-get?context=22526  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your co-host James O'Reilly, from Northeast Wealth, talks again with Centrelink guru, Justin Bott from Services Australia. Together they cover the clever steps that can mean a heap more Age Pension, as well as the critical mistakes that Aussies make which reduce - and sometimes completely eliminate - their entitlement. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today - Using ‘exempt assets’ to boost your Age Pension payment - Declaring super balances in downturns - Is it worth chasing the Health Care Card? - Advanced strategies for Gifting money - Using the Work bonus to earn more money without impacting your entitlement - Valuing your home contents / cars correctly - Declaring changes at the right frequency - How relationship changes can decimate your Pension Resources for this episode - Visit TermPlus to learn more - Learn more about PIMCO - Services Australia website - Financial Information Service - When a self-funded retirement seems impossible - Redbook car valuation tool - Ask a question (select the Retirement podcast) Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your co-host James O'Reilly, from Northeast Wealth, talks with Centrelink guru, Justin Bott from Services Australia.  Together they tackle the complex realm that is Age Pension, and outline ways that you can get the highest benefit possible. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. ~~Topics covered today~~ - How does the Age Pension work? - Understanding the Income and Assets test - How does Centrelink know your financial situation? - Breaking down the Family Home Exemption - Gifting money without getting caught out ~~ Resources for this episode ~~ - Visit TermPlus to learn more - Learn more about PIMCO - Services Australia website - Financial Information Service - Ask a question (select the Retirement podcast) ~~ Rask Resources ~~ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth debate whether everyone needs financial advice, tackle catch-up concessional contributions strategies, and compare AustralianSuper's performance against industry fund peers. Plus, Oasis vs Disney cruise decisions and learning to say 'no'! Topics covered today: - Oasis concert vs Disney cruise decisions and not asking for the bill before the end - Is CBA overvalued? - Boomer Briefing: Do you actually need financial advice? (47 and 53-year-old case study) -Direction, strategy, and accountability - when advice becomes about optimization - AustralianSuper 'Balanced' fund performance over 3-5 years vs industry peers - To switch or not to switch: fund suitability, control, and transparency Resources for this episode - This interesting article we talked about: www.link.com.au - Ask a question (select the Retirement podcast): ⁠https://bit.ly/R-quest⁠  Rask Resources All services: ⁠https://bit.ly/R-services⁠ Financial Planning: ⁠https://bit.ly/R-plan⁠  Invest with us: ⁠https://bit.ly/R-invest⁠  Access Show Notes: ⁠https://bit.ly/R-notes⁠  Ask a question: ⁠https://bit.ly/R-quest⁠  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg⁠ #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth tackle a heartbreaking listener story about potentially losing $94,000 in the First Guardian collapse. Plus, the Boomer Briefing on transaction fees, platform strategies, and knowing when to quit competitive sport! HINT - the time is now If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - When is it time to quit competitive sport? - Boomer Briefing: Keep an eye on transaction fees (but don't just focus on fees) - Why use a platform? Quarterly reviews, rollovers and deployment strategies - Today's big question: First Guardian super scam - listener loses $94K from $134K balance - Understanding greed-based scams and warning signs - AFCA complaints process and Consumer Scheme Levy Relief (CSLR) Resources for this episode - Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, James O'Reilly, from Northeast Wealth is joined by RASK Superstar Gemma Mitchell- co-host on the Australian Finance Podcast, financial adviser and now author of the Money Reset. Retirement is one of the biggest money resets Aussies will face – and in this episode, Gemma and James show how life’s disruptions can become powerful turning points when handled with intention. They break down why mindset matters just as much as the money moves, and share stories, strategies and real-world examples to help you step into retirement with clarity and confidence. Topics covered today: - Why retirement is the ultimate money reset for Australians - Defining and adjusting your non-negotiables in retirement - The “sleep at night test” and making decisions you can live with - Why financial flexibility trumps financial freedom - The importance of “Try before you buy” for big purchases and life changes - Plus James and Gemma share lots of great tips and tricks to help you get ready for retirement. If you enjoy this conversation on retirement and money resets, make sure to subscribe to the series on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode - Vote for James in the FS Power50 – show your support here - Buy Gemma’s book “The Money Reset” - Ask a question (select the Retirement podcast) Rask Resources - these are included by default - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode was originally featured on the Australian Investors Podcast. Your hosts Owen Rask and Kanish Chugh from PIMCO discuss part 1/2 on active income vs passive income: – Why passive bond ETFs may underperform in volatile markets – What active fixed income managers do differently – How PIMCO builds its bond portfolios and manages risk – Why Aussie investors are shifting towards active fixed income strategies If you love learning about fixed income, bonds and investing strategies, subscribe to the Australian Investors Podcast on ⁠**Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠!** Follow us on ⁠Instagram⁠ and ⁠TikTok⁠ for more investing insights. – The flaws in fixed income indices and why passive may be suboptimal – PIMCO’s approach to security selection and credit analysis – SPIVA data showing active outperformance in fixed income – How active bond funds manage risk, duration and credit exposure – Why Aussie investors should look beyond passive bond ETFs – How to evaluate a fixed income fund manager 📄 Learn more about fixed income strategies: – Check out PIMCO's bond ETF PAUS: ⁠https://www.pimco.com/au/en/investments/etf/pimco-australian-bond-fund/ausetf-aud⁠ – See PIMCO's Global Bond Fund: ⁠https://www.pimco.com/au/en/investments/managed-fund/pimco-global-bond-fund/wholesale-aud⁠ – Find PIMCO's Income Fund: ⁠https://www.pimco.com/au/en/investments/managed-fund/pimco-income-fund/wholesale-aud⁠ – Learn with our FREE Value Investor Program: ⁠https://education.rask.com.au/cart/?add-to-cart=44163⁠ ~~ Rask Resources ~~ 🔗 Explore all Rask services – ⁠https://bit.ly/R-services⁠ 📋 Get Financial Planning – ⁠https://bit.ly/R-plan⁠ 📈 Start investing with Rask – ⁠https://bit.ly/R-invest⁠ 📜 Access Show Notes – ⁠https://bit.ly/R-notes⁠ ❓ Ask a question – just select the Investor Podcast – ⁠https://bit.ly/R-quest⁠ 📲 Follow us on social media: – Instagram: ⁠@rask.invest⁠ – TikTok: ⁠@rask.invest⁠ This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: ⁠https://www.rask.com.au/fsg⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth discuss investing through bucket companies, estate planning with complex entity structures, and answer listener questions about investment bonds vs company investing for children's education and offset account strategies in retirement! Chapters (approximate) (00:00) Introduction (03:01) James' Interesting Shirt (05:20) NVIDIA's Huge Valuation (10:27) Investing in Bucket Companies (20:01) Complexity of Estate Planning (23:06) Investment Bond vs Company Investment (27:23) Offset Account for an Emergency Fund Topics covered today: – Investing in bucket companies (Pty Ltd) - tax benefits, drawbacks, and alternative investment structures – Planning for death with complex entity structures - how family trusts and Pty Ltd companies work on death – Superannuation distribution on death - how super is paid out and managed – Getting the next generation involved in wealth planning and family structures – The role of an adviser in helping navigate complex estate planning with multiple entities – Offset account strategy in retirement and two different views on offset accounts Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, James O’Reilly sits with Challenger’s Chief Executive, Mandy Manniz, to discuss the findings of Australia’s biggest study on happiness for people aged over 60. They talk about the surprising findings and how you can get more certainty to achieve a better - and happier - retirement. This is a must-listen for any pre-retiree or retiree wanting to get the most from the money and their lives. Chapters (approximate) (00:00) Introduction (5:16) Happiness Index Overview (10:50) Super Balances (14:49) Financial Education (19:56) Mandy's Customer Overpaid? (23:23) Die With Zero (27:42) Mental Health, Having Purpose & Social Connections (31:38) The Importance of Physical Health (34:50) Anxiety About Retirement Savings (36:44) Mindset that Improve Topics covered today: – Why Challenger commissioned this study – How happy are Aussies over Age 60? – What are the major drivers of happiness for pre-retirees and retirees (hint: it’s not money!)? – Why are women often left behind in this area – and what can they do about it? – Why financial confidence is so tightly linked to overall happiness in retirement Resources for this episode – Challenger’s Happiness Index – Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including using super splitting rules to boost your wealth, why most advisors don’t help with crypto, and how to make accurate retirement forecasts. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - EOFY madness - Grandparents helping out (thanks everyone!) - Super splitting strategies to build wealth - The unhealthy tension between financial advice and crypto - How spending changes in retirement, and how to model it Resources for this episode – ASFA’s Retirement Standard – Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including  the CBA share price, why pre-retirees still need to think long-term, how to deal with crazy insurance premiums, and how the cashout-and-recontribution strategy can help your kids pay a truckload less tax. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - James throws in the towel - Drew presents AI to his team - Pre-retirees not thinking long-term - What’s the point of insurance when you’re close to retirement? - The cashout and recontribution strategy explained Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including when to get EOFY financial advice, how to avoid gifting too much money in retirement, and whether one listener can get a tax refund from AustralianSuper. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: – Timeframes to get financial advice – ASIC review of industry funds / private markets – Where are we situated with Div296? – How retirees can avoid the trap of excessive gifting – AustralianSuper’s ability to obtain a tax deduction for previous years’ tax Resources for this episode Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including  the need to keep reviewing your investment philosophy, how to avoid the mistakes in 2025, and why James said ‘No’ to an ideal client. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Golf - Investment philosophies - Lodging NOITC forms - Managing salary sacrifice payments - Utilising carry-forward concessional caps - Taking the right pension payments - Having correct valuations for unlisted assets - When to have your ITR completed Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, James O’Reilly sits down with Chris Bates, co-host of the Australian Property Podcast and strategic mortgage broker, to discuss how debt plays a role in retirement planning. They explore: – What makes debt “good” or “bad” as you approach retirement – When to pay down your mortgage vs boost your super – Using equity smartly to build retirement wealth – Common pitfalls with property in SMSFs – How retirees can use debt to stay flexible and avoid panic selling – What makes a great mortgage broker and how to keep banks honest If you’re heading toward retirement or just want smarter debt strategies, this one’s for you. Subscribe for weekly shows on Apple, Spotify, YouTube, or your favourite podcast app. Follow us on Instagram and TikTok for more tips. Topics Covered – Understanding Good vs Bad Debt in Pre-Retirement – When Investment Property Debt is a Mistake – Downsizing Decisions: Beware of Upgrading Instead – Debt as a Lever to Boost Retirement Outcomes – How to Structure Loans Pre-Retirement – When Retirees Should Hold (Not Pay Off) Debt – Property in SMSFs: The Hidden Risks – Super vs Mortgage: Where Should Extra Money Go? – Avoiding the Loyalty Tax from Lenders – How to Choose a Mortgage Broker That Works For You Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including Underquoting, Property Development in retirement, CGT on your holiday home and reviewing your Estate Planning. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: – Drew’s staircase mishap – James caught off guard by an underquoting Real Estate agent – Property Development in Retirement (and should you?) – Understanding CGT for the sale of a holiday home – How to finalise and review your Wills and Power of Attorney Chapters – Introduction – Drew's Recent Fall – James' Underquoting Auction Experience – A Client's (Almost) Mistake – Selling a Holiday Home – Powers of Attorney – Estate Planning Resources for this episode Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly dive into one of the biggest goals for retirees — travel. From road-tripping around Australia to extended overseas holidays, they discuss how to budget for travel, how to keep costs under control, and why more retirees are choosing to bring their big trips forward rather than wait. They unpack the 33% jump in travel costs over the past five years, strategies for saving money without sacrificing the experience, and how the 1/15th Rule can help you figure out exactly how much you can afford to spend without risking your retirement security. Whether you're planning caravans or cruises, house-sits or hotels, this episode is packed with realistic guidance and expert insight. Topics covered – Why travel is such a powerful goal in retirement – The 33% rise in travel costs vs. general inflation – Tips to travel smart: shoulder seasons, Airbnbs, longer stays – What $20k/year on travel really means for your portfolio (hint: $300k) – The 1/15th Rule: a guide to sustainable spending – Some real world case studies of the impact of front loading travel Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg#retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

Over 90% of global companies are private. Are your retirement investments keeping up? Christian Ryan of Fincap joins the Australian Retirement Podcast to break down why alternative assets like private equity, credit, and real estate matter more than ever. If you like this Australian Retirement Podcast episode on diversifying your retirement savings, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - An introduction to Christian, and defining what an alternative asset is - Why alternatives matter more than ever - Answering the most common questions about alternatives - How alternatives have improved retirement outcomes - Why private equity is all about growth, but not at all costs Resources for this episode - Christian’s business - Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

Does growth still matter in retirement? In this episode of the Australian Retirement Podcast, Drew Meredith and Luke Laretive (Seneca Financial Solutions) explore why retirees can’t ignore growth assets, the role of small-cap stocks, and how to balance risk and income as you age. We cover inflation, the pitfalls of term deposits, and why small companies might just be your retirement secret weapon. If you like this Australian Retirement Podcast episode on investing for growth in retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: – Why growth is often overlooked in retirement — and why that’s a mistake – The risk of sticking too conservatively with term deposits and cash – How to balance growth and income effectively as retirees age – The risks and rewards of investing in smaller companies – Real-world lessons: success stories and cautionary tales Resources for this episode – More information on the Seneca Small Companies Fund – Follow Luke on LinkedIn – Sign up for Luke’s free newsletter Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

Is now the right time to downsize? In this episode, Drew Meredith and James O’Reilly explore the reality of selling the family home in retirement. They walk through what it means emotionally, how it works practically, and the financial considerations that often get missed — including stamp duty, commissions, and unexpected renovation savings. They also explain the downsizer contribution, a powerful super strategy that allows eligible Australians over 55 to contribute up to $300,000 each from the sale of their home into super, without breaching the usual caps. From empty nests and rising stairs to lifestyle change and income planning, this is a must-listen for any retiree or pre-retiree thinking about their next move. Topics covered today - How downsizing actually works — and what it could mean for your lifestyle -Why some retirees are upsizing instead (and what that means financially) - Emotional and social factors — are you ready to leave your community? - Should you renovate instead? What market conditions mean for timing your sale - The downsizer super contribution: up to $300k per person, how it works, and the eligibility rules Resources for this episode Ask a question (select the Retirement podcast) Rask Resources  All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth speaks with fellow advisor Nathan Fradley, to discuss how you can navigate the complexities of Aged Care to keep costs to a minimum. If you like this Australian Retirement Podcast episode on Navigating Aged Care, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - An introduction to Nathan - What services does Aged Care include (think Home Care / Respite / Residential)? - What Government Support is available, and what do you have to pay? - How should people create an Aged Care Plan for themselves or parents? - What should people be doing right now to prepare? Resources for this episode https://myagedcare.gov.au  https://www.nathanfradley.com.au/blog  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

Inheritances can be life-changing — or a financial disaster without the right planning. Drew Meredith and James O’Reilly unpack how inheritances work in Australia, why the fear of death taxes is rising, and the steps you can take now to protect your legacy. If you liked this Australian Retirement Podcast episode on estate planning and protecting family wealth, subscribe for weekly episodes on Apple, Spotify, YouTube, or wherever you get your podcasts. Topics covered today: How inheritances actually work in Australia today Why estate vs non-estate assets matter The hidden taxes on inheritances (including CGT traps) Why record-keeping is crucial to protecting family wealth Using trusts, wills, and structures to streamline inheritances Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a bonus episode of the Australian Retirement Podcast, hosted by Drew Meredith and James O’Reilly. With the end of financial year fast approaching, confusion is everywhere — and not all of it is real. In this special update, we unpack the actual superannuation changes coming from 1 July 2025, and debunk a fake announcement that’s been spreading misinformation about a June 1 start date. If you like this Australian Retirement Podcast episode on boosting your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: What’s actually changing from 1 July 2025 Why a fake June 1 announcement went viral What retirees and pre-retirees need to do before 30 June Key contribution strategies and pension reminders The smart (and simple) moves to make this EOFY count Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources  All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask is joined by Tahli Cavagnino, Senior Financial Advisor from the Rask Advice team. Retirement isn’t just about having enough money — it’s about making the right decisions with the money you’ve worked hard to save. But even the most financially prepared Australians can fall into subtle psychological traps that quietly derail their long-term security. In this episode of the Australian Retirement Podcast, Owen and Tahli take you through five behavioural mistakes that many retirees make — often without even realising it. These aren’t dry textbook errors or investment jargon. They’re real, everyday habits and mindsets that can cost you thousands, shake your confidence, and limit the lifestyle you hoped to enjoy in retirement. If you like this Australian Retirement Podcast episode on behavioural mistakes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: An introduction to Tahli How and why she came into Advice What does a typical day look like for a Rask Advisor Why behavioural finance matters Why being too conservative with your money might actually increase your risk of running out The dangers of trying to “catch up” by taking on too much investment risk How emotional decisions during market downturns can lead to locking in permanent losses Why pride or confusion can keep you from claiming government entitlements you’re legally entitled to The surprising ways people underestimate how long they’ll live — and how much they'll need Resources for this episode The Vanguard Adviser Alpha research Camplify Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover why giving money away can be the most rewarding part of retirement. In this episode of the Australian Retirement Podcast, Chris Cuffe shares expert insights on philanthropy, legacy planning, and how retirees can make a lasting impact. Learn smart strategies for giving, the benefits of private ancillary funds, and how to leave a meaningful legacy. Don’t miss this powerful conversation on wealth, purpose, and generosity! Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: The state of retirement in Australia Barriers to giving and how to overcome them Private ancillary funds - what are they and how they work Australian Philantropic Services and the giving sector Leaving a legacy and the Third Link Growth Fund Resources for this episode https://www.australianphilanthropicservices.com.au/ https://www.thirdlink.com.au/ Rask Resources  All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth, cover the best ways to stay on top of your insurance premiums. If you like this Australian Retirement Podcast episode on reducing your insurance premiums, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: The different types of personal insurance The enormous difference in premiums between policies The massive lifelong cost of retaining personal insurance cover The questions you need to ask to keep your insurance costs down How to use super to pay your insurance premiums Why having a good advice relationship can save you thousands (or tens of thousands!) in insurance premiums throughout your lifetime  Resources for this episode Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth discuss when to downsize, tracking dollar cost averaging with Aust Super, and whether it’s still worth it to be minimising tax with an income of $45K (hint - it is!). If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: Managing high insurance premiums as a pre-retiree When is the best time to downsize my home? How can I save more tax on a low income? Fears of being scammed seeking financial advice  When to sell a property Resources for this episode Unit Pricing video from James ATO Super Co-Contributions ATO Spouse Contributions MoneySmart Financial Adviser Register Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

How does your spending really change in retirement? In this episode of the Australian Retirement Podcast, featuring financial adviser, Jamie Nemtsas, we break down the three key phases of retirement spending—Golden, Silver, and Legacy years. Learn how to plan, budget, and make your money last! If you like this Australian Retirement Podcast episode on spending in retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: Do retirees spend consistently in retirement? The three phases of retirement spending Biggest contributors to spending changes in retirement Investable versus lifestyle assets A $2m retirement income case study Resources for this episode https://www.thegoldentimes.com.au/ Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth talks about how you can optimally manage your falling portfolio balance, outlines who needs to panic (hint - it’s less of you than you think!) and provides clear guidance on the actions needed for those in or near retirement. If you like this Australian Retirement Podcast episode on Surviving (and profiting from) market freefalls, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: How you can minimise risk during a downturn How you can profit from a downturn The investors that MUST  take action, and those who don’t Should I be adjusting my Allocated Pension payments? Resources for this episode Neuberger Berman: Four Things to Remember in a Market Downturn (https://www.nb.com/handlers/documents.ashx?id=5bfc044b-b138-447b-851f-689eafa9ac6e)  Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

The ASX 200 (ASX: XJO) price is crashing down 6.5%. Commonwealth Bank of Australia (ASX:CBA) share price is down 7.7%. BHP Group Ltd (ASX: BHP) share price is down 8%. VIDEO VERSION: https://youtube.com/live/SBxxCavI2Lo ASX 200 investors, what should you do in a market crash?! If you're watching the ASX 200 sell-off in fear, rest assured - at 12 noon today (MEL/SYD time), Chief Investment Officer Owen Rask will break down his 5-part market crash investing checklist. ✨ Resources ✨ Rask Invest portfolio: https://www.rask.com.au/rask-invest Join our community: https://community.rask.com.au Get financial advice: https://www.rask.com.au/advice Special guest Claude Walker: https://arichlife.com.au/ All information in this podcast is strictly general in nature. It is not personal financial advice as it does not take into account your needs, goals or objectives. So don’t act on it before speaking with your financial planner. Owen Raszkiewicz can be verified on asic.gov.au. He is the ultimate holder of AFSL 563907 and you can read Rask's Financial Services Guide at www.rask.com.au/fsg Investing can be risky and result in permanent capital loss. #investing #asx200 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Mitchell Sneddon sits down with Mark Kiesel, PIMCO’s Chief Investment Officer of Global Credit. Together, they discuss: Why now could be a generational opportunity for bond investors Mark’s outlook on inflation, interest rates and the global economy PIMCO’s $2 trillion advantage and how it creates alpha in credit markets What airlines and housing trends are saying about the next economic slowdown If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, or YouTube! Follow us on Instagram and TikTok for more investing insights. Topics Covered Mark’s visit to Australia and on-the-ground insights How PIMCO’s massive scale drives bond market advantage His famous 2006 call to sell his home pre-GFC Why inflation is likely to fall and bond markets may rally The “slimming down” theory and macroeconomic signals What airlines, autos and housing are telling us about sentiment Mark’s contrarian outlook and long-term investing mindset Resources for This Episode 📄 Learn More About Bond Investing & PIMCO’s Views: Opportunity Amid the Noise - Interview with Dan Ivascyn The “Magnificent 7” Reasons Why Now is a Good Time to Invest in Core Bonds ~~ Rask Resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: https://www.rask.com.au/fsg. ##retirement #australia #Bonds #PIMCO #MarkKiesel Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Drew Meredith, from Wattle Partners, welcomes Bec Wilson from Epic Retirement to discuss the latest government proposals about YOUR retirement income. We also get into why you may need to be planning for a longer retirement than you think If you like this Australian Retirement Podcast episode on boosting your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: How long you should expect to live in retirement Why you need to be planning for at least 3o tears of income Unpacking the latest round of government retirement proposals The importance of flexibility and personal choice in retriement How to make your super work for you Resources for this episode Bec Wilson website https://www.epicretirement.net/  Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Introduction In this Australian Retirement Podcast episode, your host Owen Rask is joined by Kanish Chugh, Head of ETF Sales at PIMCO Australia, to discuss: The role of fixed income in a portfolio How ETFs provide professional-grade access to bonds PIMCO’s new range of fixed income ETFs Why now might be the right time to allocate more to bonds This is a sponsored episode If you love learning about ETFs, bonds, and portfolio construction, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube! Follow us on Instagram and TikTok for more investing insights. Topics Covered & Timestamps 0:00 – Welcome & Introduction 2:15 – Who is PIMCO? Understanding the Global Investment Giant 6:42 – Why Fixed Income ETFs Matter More Than Ever 12:30 – How Bonds Work & Their Role in a Portfolio 18:55 – PIMCO’s New Fixed Income ETF Range 27:10 – The Case for Bonds in 2025 & Market Outlook 35:40 – Final Thoughts & How to Learn More Resources for This Episode 📄 Explore PIMCO’s Fixed Income ETFs & Bond Insights: PIMCO's Australian Website: https://bit.ly/3FyV7vb See PIMCO's Current ETF Offerings: https://bit.ly/4bXhUNo ~~ Rask Resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Get Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Investor Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: https://www.rask.com.au/fsg. #Investing #ETFs #FixedIncome #AustralianInvestorsPodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth answer the hard questions that our listenerest just can’t seem to get straight answers to. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: Life when you’re asset rich and cash poor Putting an investment property into an SMSF How Downsizer contributions work Stamp duty issues for ‘love and affection’ transfers Financial support for low super balance retirees How can I set up a Pension for my SMSF including regular payments Resources for this episode ATO Tax variations Stamp duty spouse or partner exemptions (VIC) ATO Downsizer Contributions Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Drew Meredith is joined by founder of Wattle Partners, Jamie Nemtsas who discussed the crucial financial and legal steps to take after losing a partner. From managing assets and debts to estate planning and benefits, this episode guides you through securing your financial future during a difficult time. If you like this Australian Retirement Podcast episode on dealing with death in retirement you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: Your partner has passed, what you need to do first Estate and inheritance planning, how to manage the transition What happens to your assets on death What role does an adviser play during this period How does super work on death? Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources - these are included by default All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth speaks with longevity expert Dr Steven Lu about how to get the best Private Health cover for you, the health issues where you’ll most need it, and the times you won’t. If you like this Australian Retirement Podcast episode on navigating Private Health Insurance, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: The history of Private Health Insurance (PHI) in Australia Why having PHI can significantly reduce your tax bill When does PHI deliver good value for policy holders? What are the major pitfalls of PHI? Spending on disaster recovery, versus disaster prevention How Australian Private Health Cover is changing today Your options if not taking out PHI How you can take action today Resources for this episode Dr Steven Lu’s practice - Everlab: https://www.everlab.com.au/  Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth speaks with longevity expert Dr Steven Lu about how better understanding your health can help to maximise - and prolong - your retirement years. If you like this Australian Retirement Podcast episode on maximising your health in retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: Steven’s background as a longevity expert The consequences of being too focused on the money-side of retirement The five major health issues for retirees and pre-retirees How you can take action today Resources for this episode Dr Steven Lu’s practice - Everlab: https://www.everlab.com.au/  Aust Institute of Health and Welfare health expenditure report: https://www.aihw.gov.au/reports/health-welfare-expenditure/health-expenditure Ask a question (select the Retirement podcast): https://bit.ly/R-quest   ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth answer your most pressing retirement questions, including the biggest question of all ‘how can you protect your super from a market crash?’. If you like this Australian Retirement Podcast episode on protecting your super, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: How financial advisers are protecting portfolios from a market crash What to think about when ‘upsizing’ in retirement How to supercharge your super contributions How super contributions can reduce your tax The best way to split contributions with your partner Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics covered in this market update Cameron's first (and most recent) investment LICs versus ETFs How ETFs actually produce income Risk levels of ETFs ETFs featured: AAA - cash ETF MMKT - cash plus ETF A200 - top 200 Aussie shares QOZ - top Aussie shares, fundamentally weighted YMAX - yield maximiser QPON - bond ETF HBRD - hybrid fund BSUB - bond ETF Resources View all Betashares funds and ETFs: https://www.betashares.com.au/ ✅ RESOURCES: Access Show Notes: https://bit.ly/R-notes Ask a Question: https://bit.ly/3QtiY00 Kate's book, Buying Happiness: https://bit.ly/kate-amazon Track your portfolio with Navexa (save 20%): https://bit.ly/track-stocks Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth explain five key ways to review your industry super to make sure it is right for you. Super will likely be your second biggest asset, so making sure you get the most out of your fund is essential. If you like this Australian Retirement Podcast episode on industry super funds, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: An introduction to industry super funds What sort of fees should you be paying Is performance all that matters? Understanding your investment options The most common traps that catch us out Resources for this episode The super funds we talked about Australian Super Host Plus Ask a question (select the Retirement podcast)  Rask Resources - these are included by default All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom Barwon is a commercial property investing expert and a partner at Barwon Investment Partners, a leading Australian commercial property investment group. Tom specialises in healthcare properties and has invested hundreds of millions of dollars, across hundreds of properties throughout Australia. Barwon's Tom Patrick talking points Barwon's Tom Patrick walks us through the following topics: 1. Intro to commercial property investing 2. Difference between buying your own property and using a fund manager 3. How a fund manager gets paid 4. Commercial property versus residential property 5. Risks when investing in commercial real estate 6. Funding levels and risk 7. Key metrics before investing Resources: Barwon website: https://barwon.net.au/?utm_source=RASK Tom's healthcare fund: https://barwon.net.au/our-funds/barwon-healthcare-property-fund/ Book a call with Barwon: https://barwon.net.au/contact-us/ ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth talks to financial scam expert Wadzi Nenzou about the critical things we all need to do to protect ourselves against financial scams. Get retirement advice: https://bit.ly/R-plan  Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00  Topics covered today: History of investment scamming The distinction between fraud and theft Why retirees / pre-retirees are most at risk of scamming The five major red flags to look out for (including how to avoid each) The critical things that people can do right now to better protect themselves against scammers Resources for this episode: Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/  James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask, Chief Investment Officer of The Rask Group, interviews Nicole Kidd, from Schroders RF, to talk about getting income from private credit within your retirement portfolio. Get retirement advice: https://bit.ly/R-plan Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00 Topics covered today: What is private credit? Difference between private credit, "fixed income", "bonds" and term deposits What is a 'syndicate' in private credit? What is a 'first mortgage'? Is a big dividend yield a no-brainer? When is the yield too good to be true? How Schroders RF actually works How to use private credit as a retiree? Episode resources: Go to Schroders RF website: https://bit.ly/schroders-RF ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host James O’Reilly, from Northeast Weatlh, interviews Jon Glass, from 64Plus, to talk about the non-financial elements of retirement. Get retirement advice: https://bit.ly/R-plan  Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00  Topics covered today: Jon’s background as a retirement coach The personal challenges people face when they retire The 3Gs, 4Ds and 6Fs of retirement Surprises that people encounter when they retire Being intentional with your relationships and hobbies Resources for this episode: Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/  James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au How to engage with 64Plus: https://www.64plus.com.au/solutions-to-retirement  Jon’s podcast Talk About Friends: https://open.spotify.com/show/5aahOAoqNOcfLn2WhWtdXy  ~~ Resources for the show ~~ Get retirement advice: https://bit.ly/R-plan Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00 Invest with Rask: https://bit.ly/R-invest Access all episodes: https://bit.ly/R-notes Mortgage Broking: https://bit.ly/broke-rask Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask, Chief Investment Officer of The Rask Group, interviews Andrew Fraser, from Merlon Capital, to talk about getting income from Australian shares within your retirement portfolio. Get retirement advice: https://bit.ly/R-plan Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00 Topics covered today: Behavioural biases in share investing How to invest in shares with focus Where most income investors go wrong What a 'quality' investment criteria looks like Income and/or growth investing? The investment case for JB Hi-Fi and why it fit the criteria How retirees use fund managers like Merlon to invest Episode resources: Merlon Capital website: https://www.merloncapital.com.au/ ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices