The Money Puzzle

"Rentvesting' is increasingly popular where wannabe home owners move first to buy a rental property and later to use their accumulated equity to buy 'a forever family home.' But putting some of your capital into the sharemarket, rather than the property market may be much more lucrative...and even better if CGT tax is raised in the near future.

Author Jacqui Clarke, Your Personal CFO joins associate editor, James Kirby on this podcast episode.

In today's show, we cover:

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These are very early days in the Iran war and the impact on share markets is far from clear. But already we can see there is upward pressure on interest rates around the world, there is also a clear risk of an inflation spike due to oil supply.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor, James Kirby in this episode.

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Though 80,000 investors own more than two negatively geared properties, the reaction to news that the government is planning to ‘cap’ the tax break has been low-key. Perhaps that’s because losing money on an investment property should not be the first aim of an investor.

Jarrod McCabe of the Wakelin Advisory Group joins Associate Editor, James Kirby in this episode

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Everyday investors have been heavily sold private credit funds as an alternative investment and now the reality of this opaque, often illiquid market is starting to bite.

Dr Doug Turek of Minchin Moore joins Associate Editor, James Kirby in this episode.

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Are we looking the wrong way? As property investors fret over likely lifts in Capital Gains Tax, the bigger issue for long term investors is interest rates: Despite the industry-wide assumption that we are in a new rate hike cycle, it is looking increasingly likely that rates are not going to go through the roof, in fact some already believe we should be thinking about lower rates in the near future.

Dr Sam Wylie of the Windlestone Education group and Melbourne Business School joins Associate Editor James Kirby in this episode

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More investors are coming to realise that inherited super is taxed at 17 per cent, but the government has stirred a hornet's nest in adding a de facto death tax into the new super tax legislation. What to do?

Hugh Robertson of Centaur Financial joins Associate Editor James Kirby in this episode.

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At the very core of wealth building is the dilemma of setting up your super or making sure you own a home; The long-term returns on both investment choices are broadly similar, but the tax system is hugely in favour of the home-owner. So what to do?

James Gerrard of www.financialadviser.com.au joins Associate Editor James Kirby in this episode 

In today's show, we cover:

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Interest rates are moving higher again as the RBA renews its battle with inflation: It's time to think seriously about inflation-proofing your investments, and that means a lot more than buying some gold.

Chris Brycki of the Stockspot group joins Associate Editor - James Kirby in this episode.

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'You can't get into the property investment market for less than $1m' is something you may hear regularly...but is it true? High-profile investor Nathan Birch says not only can you get into the market for $300,000 or less, but you can do it without negative gearing.

Nathan Birch of the B Invested group joins Associate Editor - Wealth, James Kirby in this episode.

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Whether you are with a big super fund - or run your own SMSF -  the outstanding risk for your long-term return is whether your portfolio is appropriate for your age? The chances are that you are being too conservative because you are going to live a lot longer than you realise.  

Anna Shelley, chief investment officer at AMP joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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Gold prices jumped dramatically last year and then soared through the $US5,000 milestone last month: Now the price is suddenly heading south as profit takers push the price down closer to $US4,660. Some listeners may have missed the gold rally, our guest today - a specialist gold mining stock picker - says this might be a time to reconsider.

David Franklyn of the Argonaut Gold Fund joins Associate Editor - Wealth, James Kirby in this episode.

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The sharemarket is surging and we are trading like it's late 2007, which makes it a very good time to review how your portfolio would fare if things turn sour.It's also time to catch up on new changes in super. 

Liam Shorte of the Sonas Wealth group joins Associate Editor, James Kirby in this episode 
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If you are planning to put more money in the property market this year, be warned the risks of tax changes are now clearly on the table: Top of the agenda is a wind back in Capital Gain Tax concessions. 

Peter Esho of Flexdoc joins Associate Editor - Wealth, James Kirby in this episode.

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How many years can a bull market last? What will it take to dampen investor sentiment in the year ahead, and what should you, the active investor, be doing?

Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth, James Kirby in this episode 

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Property prices are tipped to rise by 5 per cent in 2026 : But where will investors really make their money?In our property investment outlook show for the year ahead, we identify the property sector that is ready to rebound...and we pinpoint the best location too.

Stuart Wemyss of the ProSolution Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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The ASX can return 10 per cent again in 2026...or maybe even more, says star stockpicker Jun Bei Liu...but what to buy? In this second part of our 2026 investment outlook, she outlines very clearly the red-hot sectors offering the top stock picks and also the parts of the market to avoid.

Jun Bei Liu of Ten Cap joins Associate Editor - Wealth, James Kirby in this episode 

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It looks like the sharemarket will once again be the place to make money in 2026, especially on Wall Street. But it's not going to be a smooth ride: In the first weeks of the year, the US has unleashed a wave of foreign interventions - and President Trump has subpoenaed Fed Reserve chair Jay Powell - triggering alarm bells on Wall Street.

Marc Jocum, investment strategist at GlobalX ETFs joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover

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In this episode of The Money Puzzle, The Australian’s Wealth Editor, Julie-anne Sprague, unpacks what it takes to be a great investor with one of the nation's top stockpickers, Jun Bei Liu. How did Liu learn to invest? What did she learn when things went wrong and what's her advice for everyday investors wanting to build their wealth?

Jun Bei Liu of Ten Cap joins Wealth Editor Julie-anne Sprague in this episode.

Please note, this is a repeat episode of The Money Puzzle. It originally aired in December 2024.

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If it wasn’t said by a top financial adviser, you might dismiss it as a quote out of context, but  Partners Wealth Group Jack Tossol is not kidding: He says a generation that has ‘sunk everything’ into the family home will miss the chance to have a successful tax-deductible investment plan.

It’s a provocative notion, challenging die-hard principles of money management, but with house prices moving higher again...you have to listen.

Financial adviser Jack Tossol of Partners Wealth Group joins Associate Editor - Wealth, James Kirby,  in this episode.

In today’s show, we cover

No tax deduction, no income…Is home ownership overrated?

Why ‘Rentvesting’ is worth revisiting

Are you facing decades of ‘dead money' in your home mortgage?

Challenging the ‘retirement sweet spot’

Please note, this is a repeat episode of The Money Puzzle. It originally aired in August 2025.

See omnystudio.com/listener for privacy information.

What is the FIRE movement and how did it get started? It's not a club or a cult: It doesn't have a headquarters, rather it's a set of investment principles: And it just might be a breakthrough for you in the year ahead.

Lionel Lee joins  James Kirby in the episode.

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In today's show, we cover:

Please note, this is a repeat episode of The Money Puzzle. It originally aired in December 2024.

See omnystudio.com/listener for privacy information.

Who doesn't love a good movie?  Power, romance, ambition, betrayal...actually, that sounds more like a classic 'money movie'. In this special holiday show, The Australian's film critic Stephen Romei,  guides us through the best movies about money. 

Stephen Romei, The Australian's film critic joins Associate Editor - Wealth, James Kirby in this special episode.

In today's edition, we cover:

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Investment markets are sliding in the final days of the year with the ASX 200 looking like it will manage just 8 per cent in total returns: Even Wall Street has softened in the final quarter of the calendar year bringing home about 16 per cent. What a year for the active investor! How was it for you? 

James Gerrard of www.financialadviser.com.au joins Associate Editor, Wealth James Kirby in this episode.

In today's show, we cover:

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Terry Ryder of the Hotspotting group is Australia’s top expert in choosing locations for investors.Today he spells out his ‘simple formula’ for the everyday investor that offers opportunity across the national market.

Terry Ryder of the Hotspotting group joins Associate Editor - Wealth, James Kirby in this episode.

In today’s show, we cover:

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It sounds reasonable at first glance: Shares on the ASX are up more than 5 per cent over the year to date - add your dividends and you might get close to a 9 percent total return. But then we have a 17 per cent year-to -date return on Wall Street. This is not a once-off: Wall Street has beaten the ASX out the door for more than decade, will it ever change? 

Gemma Dale, head of investor behaviour at nabtrade joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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Everyone is feeling the squeeze of sky-high property prices: At the same time, state governments across Australia are actively encouraging 'densification'. No wonder, more investors are looking at optimising the land value of their homes by building out the back.

Financial adviser Nathan Fradley joins Associate Editor - Wealth, James Kirby in this episode.

Here's a guide:

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Why are you holding on to that investment property to help your kids buy a house one day? This question captures the broader concept raised by the 'Die with Zero' movement, which calls for investors to transfer wealth sooner rather than later.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor, Wealth - James Kirby, in this episode.

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Banks won't tell you if you're better off with a fixed-rate mortgage. But strong evidence shows most borrowers will lose when they bet against the bank by settling on a three-year fixed rate. With expectations building that RBA rates may rise, fixed rates seem attractive once more, but you need to know why the odds are against you.

Stuart Wemyss of the Prosoluton Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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ASIC Commissioner Alan Kirkland is the top cop for consumers in the investment markets - and he wants you to know that those superannuation calculators that suggest you need very large amounts of money to retire can be unreliable.In Kirkland's view, those calculations often tend to be too high.Sure, aspire to having as much as you can in super -  but don't believe all you read... especially if it's compiled by someone who gets paid for getting your money on the books.

ASIC Commissioner Alan Kirkland joins Associate Editor - Wealth, James Kirby in this episode.

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Anyone who remembers the powerful escalation in prices for the Sydney 2000 games does not need to be convinced that Brisbane is going to be a very good opportunity in the run-up to the 2032 games. So what's the catch? Today we look at the recent history and challenges of the nation's third biggest residential market...

Sam Price, buyer's advocate with Templeton Property joins Associate Editor - Wealth, James Kirby in this episode.

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Matthew Cassidy of Partners Wealth Group has just taken the top spot in this year's  Barron's Top 150 Advisers List. He offers a unique perspective on what you need to know about advice, and how to deal with an investment market that is clearly at the top of the cycle.

Matthew Cassidy of Partners Wealth Group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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It had to happen, just as the residential property market is rebounding, there are concerns that regulators may 'remove the punchbowl.' NAB has revived talk of rules that would limit investor lending. Meanwhile, the tax office is threatening to deny tax deductions on holiday homes unless investors make their properties available at peak times such as Christmas.

Anissa Cavallo of the Eda Property Group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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The avalanche of unlisted private funds aimed at retail investors is at full tilt. It's been a seriously profitable activity for endowment funds: So why have they been getting out of late? 
It's time to take a hard look at a boom that's raising a lot of questions.

Andy Darroch of Independent Wealth Advice joins Associate Editor - Wealth, James Kirby 

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We tend to discuss the nation's rental crisis in terms of the difficulties faced by young renters: But a one per cent vacancy rate also means anybody selling a home will find it difficult to rent in between selling and buying.This relatively new dynamic in the market also explains why it's Australia's hottest markets such as Brisbane and Perth where there is the least number of homes for sale.No wonder investors are returning to the property market.

Cameron Kusher of Kusher Consulting joins James Kirby - Associate Editor, Wealth in this episode.

In today's show, we cover:

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Most active investors are pretty good at making money: After all, if they were no good at it, then they would leave the work to someone else. But what about holding onto it? Does your investment success convert to long-term accumulation?

Author Jacqui Clarke joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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The focus might be on interest rates, but the outstanding driver for residential prices is the lack of supply: We already know home building is falling behind, but apartment numbers are also being held back because the numbers don't add up for developers.In today's show, a leading developer explains why he believes investors can bet the momentum in the market will be very hard to stop under current conditions.

Max Shifman CEO of residential developer, Intrapac Property joins Associate Editor - Wealth, James Kirby in this episode.

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Australian investors are perfectly placed to profit from the critical minerals boom.In fact, fortunes have already been made and lost on the market.Now the game enters a new phase as both the Australian and US agree to bankroll the sector. Where to start?

Josh Chiat, mining correspondent with Stockhead joins Assoicate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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It's hard to believe that during the Covid crisis, nearly half of all mortgages were being 'fixed' - today the level is less than 5 per cent. With economists calling the end of the cutting cycle for the RBA, early movers could gain a serious competitive advantage if they fix their borrowing costs in the months ahead.

Sally Tindall, data insights director at Canstar joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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The Treasurer has finally clarified how the revamped plans for the new super tax will work - including how Capital Gains Tax will work...it's a template for the future, make sure you are up to speed.

James Gerrard of www.financialadviser.com.au joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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The opening of a 30 km new line across the middle of Sydney should have been a bonanza for investors; But one year later prices inside the rail catchment area have lagged the wider city market.What happened - and what does it mean for investors betting on infrastructure projects across the nation?

Tim Lawless, head of research at Cotality joins Associate Editor - Wealth, James Kirby in this episode.

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Gold price records are being smashed. Moreover, the volume of money being sunk into gold ETFs and gold miner shares is also reaching spectacular levels: But does that mean it's the top of the market? 

Gemma Dale, head of investor behaviour at nabtrade joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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Investors who have held property as the backbone of their retirement portfolios will be the first in line for the new taxes on super…especially at the top end. But what will the ‘final’ template for the new super tax mean for everyone else?

Stuart Wemyss of ProSolution Private Clients joins Associate Editor - Wealth, James Kirby in this episode

In today’s show, we cover:

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Most people worry about whether they have enough money to have a comfortable retirement. Financial adviser James Wrigley has a framework to help people better plan and therefore enjoy the retirement they want.

In this episode, James Wrigley joins The Australian's Wealth Editor Julie-anne Sprague to explain his top tips to knowing what you need to retire on and how to get there. 

Also on this episode:

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The major banks don’t usually offer big deals to first home buyers, usually because beggars can’t be choosers. But that's changing. There's big incentives on offer, including massive amounts of frequent flyer points and lower interest rates. So, can you snag a better deal even if you're not a first home buyer?

The Australian's wealth reporter Anthony Keane joins Julie-anne Sprague, Wealth Editor at The Australian, to unpack the latest.

Also in this episode, we detail how you can build an investment property without parting with a single cent. How much equity do you need in your home to be able to do this, what are the traps to be aware of and how can you maximise returns? 

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Many parents and grandparents want to be able to help their children, and do so while they’re alive rather than leaving a large inheritance. But there are tax implications and gifting rules to be mindful of.

In this episode, co-founder and head of financial advice at Leeuwin Wealth Jason Featherby sits down with The Australian’s Wealth Editor Julie-anne Sprague to explain the tips, tricks and traps to helping your adult children financially.

In today’s show we cover: 

Tax implications by gifting property to family members

How to know if you’re financially secure enough to help the kids

Why you should never close out your mortgage 

And why it might not be a good idea to be a secondary credit card holder

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House prices across most capital cities are expected to rise over the next 12 months. So how do you pick which is the best one to buy an investment property? How can you pick a stand-out market and what are the traps for investors when buying property in rising markets? 

Empower Wealth managing director and podcast co-host Ben Kingsley joins The Australian's Wealth Editor, Julie-anne Sprague.

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A generation of investors have used Self Managed Super Funds for property investment, but steadily the numbers have changed in this area with higher rates, higher upfront costs and a growing realisation it is not the deal it used to be.

Financial adviser James O'Reilly from NorthEast Wealth joins Associate Editor - Wealth, James Kirby,  in this episode.

In today's show, we cover:

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The nation’s second biggest city is climbing out of a decade-long period of severe property price underperformance - so where are the opportunities? Investors are scouring the inner-city, but our guest today takes a different tack - and as someone who runs a portfolio of 15 residential investments across the city…she should know!

Anissa Cavallo of the Eda Property group joins Associate Editor- Wealth James Kirby in this episode.

In today’s show, we cover:

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Private credit, private debt...it's boom time out there for unlisted markets but how do you walk the fine line between shooting in the dark and making the best moves? Charlie Viola, is one of the best known advisers in Australia - he's got a method, it's worth hearing.

Charlie Viola of Viola Wealth Partners joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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Inside the Self Managed Super Fund sector, it is professionals - such as auditors - who are on the front line: They will be dealing with valuations which ultimately determine whether or not investors will be hit with the new super tax.

One of the leading voices in the campaign against the new super tax is auditor Naz Randeria, here she lays out the faults of the new super tax regime and reveals how - if you are unlucky enough - you could end up paying unrealised gains tax twice over on a property held inside an SMSF.

Naz Randeria of Reliance Auditing Services joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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It's looking very much like 2025 is going to be the year that Artificial Intelligence changes the investment sector beyond recognition. A hot spot of this change is going to be financial advice. So what can AI offer? Today my guest is Microsoft's 'Co-pilot' AI bot (ably assisted by human financial adviser James Gerrard) 

In this episode, we cover:

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Renting where you live and investing your spare funds to maximise capital growth is steadily becoming a key factor in the residential market - especially for younger buyers. But the key to success in this area is optimising your position as an investor - rather than a homebuyer. 

Arjun Paliwal of buyer's agency, InvestorKit joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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It sounds so good: Sophisticated Investor status is open to all investors who have enough money to get across the line. But did you know a financial adviser is no longer legally bound to act in your 'best interests' if you sign along the dotted line? Three million people now qualify for Sophisticated Investor status but the regime is creaking and it's time for serious overhaul of the rules. 

Peter Burgess, CEO of the Self Managed Super Funds Association joins Associate Editor - James Kirby in this episode.

In today's show, we cover:

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A remarkable 100,000 Australians refinanced their mortgage to a better rate in the three months to June this year. If you have yet to join the party, the pathway to lower mortgage costs is now clear, here's what to do...

Mortgage broker, Christian Stevens of the Flint group, joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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Roger Montgomery is the founder of Montgomery Investment Management. While he is into adventure sports, when it comes to investing he's acutely focused on managing risk. From working at a fish and chip shop to managing $1.5bn in funds, he offers his advice on wealth creation for those in their 30s, 40s, 50s, and 60s. 

In this bonus episode of The Money Puzzle, Sydney fund manager Roger Montgomery sits down with The Australian's Wealth Editor, Julie-anne Sprague to chat about how he learnt to invest.

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The Federal government is pushing big super funds into the housing market: That market is currently dominated by 'mum and dad' investors - Would big funds do better? Overseas experience of major institutional ownership of housing shows that rents rise when big funds buy into housing because they need a higher running yield. In turn, traditional buyers get priced out.

Nerida Conisbee, chief economist at Ray White joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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This week's economic summit coincided with a surprise move by the Albanese government to lift the deeming rate for the first time in four years: The measure reduces access to the pension for wealthier Australians. Moreover, it's exactly the sort of change that advisers have warned are set to come down the line as Treasurer Jim Chalmers exerts his influence in the second term government.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth James Kirby in this episode.

In today's episode we cover

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Immigration numbers were meant to float lower this year but a surprise pick up in numbers over the last few months coincides with a tightening of the rental vacancy rates across the market. For renters it means any short-term easing in pressure is now off the table, but for property investors it signals a return to rising rental income.

Pete Wargent of the AllenWargent Property Buyers joins Associate Editor - Wealth, James Kirby in this episode.

In today's episode, we cover

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The new super tax may dominate the headlines, but for most investors with less than $3m in super, a bigger headache is navigating increasingly risky marketing promotions in finance.Off the back of the recent First Guardian scandal - where some investors were offered 'free super reviews' - today we take a hard look at booming business of luring people into switching super funds.

Liam Shorte of the Sonas Wealth Group joins Associate Editor - Wealth James Kirby in today's episode.

In today's episode, we cover:

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If it wasn’t said by a top financial adviser, you might dismiss it as a quote out of context, but  Partners Wealth Group Jack Tossol is not kidding: He says a generation that has ‘sunk everything’ into the family home will miss the chance to have a successful tax-deductible investment plan.

It’s a provocative notion, challenging die-hard principles of money management, but with house prices moving higher again...you have to listen.

Financial adviser Jack Tossol of Partners Wealth Group joins Associate Editor - Wealth, James Kirby,  in this episode.

In today’s show, we cover

No tax deduction, no income…Is home ownership overrated?

Why ‘Rentvesting’ is worth revisiting

Are you facing decades of ‘dead money' in your home mortgage?

Challenging the ‘retirement sweet spot’

See omnystudio.com/listener for privacy information.

 In this bonus episode of The Money Puzzle, The Australian’s Wealth Editor, Julie-anne Sprague, unpacks what it takes to be a great investor with one of the nation's top stockpickers, Jun Bei Liu. How did Liu learn to invest? What did she learn when things went wrong and what's her advice for everyday investors wanting to build their wealth?

Jun Bei Liu of Ten Cap joins Wealth Editor Julie-anne Sprague in this bonus episode.

See omnystudio.com/listener for privacy information.

Inside the advice sector, they call it ‘the sweet spot’: The perfect amount of money to have in super that also guarantees you access to a government pension. With the majority of Australians accessing full or part-time pensions, it’s a big game and the rules have been clear for a long time.

But those ‘pension access’ rules may soon be overhauled as the government launches a major tax review this month at the so-called ‘productivity summit.

Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth James Kirby in this episode.

In today's show, we cover...

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Property investors have watched the Melbourne market sink for a decade. But the tide is turning, early investors are being rewarded as the latest numbers for Victoria show green shoots in the nation’s second biggest city.

Stuart Wemyss of the ProSolution Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover:

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In today's special edition to mark the online launch of The Australian's 'Wealth Vertical', wealth editor Julie-anne Sprague joins James Kirby to talk about how an experienced financial journalist sets about investing.

Wealth editor Julie-anne Sprague joins Associate Editor-Wealth in this episode.

In today's show, we cover:

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So the story goes, you buy inside the 'zone' of a top public school and your property purchase can only be a winner. Well actually... the numbers don't really say that: In fact, as an investor you may do better somewhere else!

Eliza Owen, head of research at Cotality Australia, joins Associate Editor - Wealth, James Kirby in this episode. 

In today's show, we cover:

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The markets are overheating : Records are being made on the ASX while profits are actually falling. As we inch towards the most dangerous time of the year for the share market, you should be rebalancing your investment portfolio.

Adviser and family office chair, Dr Doug Turek joins Associate Editor - Wealth, James Kirby, in this episode.

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In today's show, we cover:

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2025 started slowly for house prices - and the absence of a second rate cut mid -year might have cooled sentiment - but economists are now upgrading their forecasts as prices move significantly higher.Bank of Queensland is now calling a 6 per cent price increase for houses across the nation this year and next year.

Peter Monckton, chief economist at Bank of Queensland joins Associate Editor - Wealth, James Kirby in this episode.

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The extensive wealth of triple murderer Erin Patterson is almost certain to now be the subject of claims from the estates of her victims: The extraordinary story highlights some key changes in the world of wills and inheritance. 

In today's show, we cover:

Lawyer and financial adviser Chris Hill of Inherit Australia joins Associate Editor Wealth, James Kirby in this episode.

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If buying off the plan property is so long associated with later problems, why do investors ever do it?
Today we take a look at the value proposal offered by off the plan property with its discounts, tax breaks and guarantees...

In today's show, we cover...

James Gerrard of www.financialadviser.com.au joins Associate Editor - Wealth, James Kirby in this episode 

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Is it the end of the US markets as we once knew them? No way! But the US dollar is fading and that creates a major shift in global investment markets.For Australian investors it's time to hedge and it's also time to look at two key investments you may not have considered until now.   

Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

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Rates are falling, demand is strong and rental vacancy levels remain at rock bottom: No wonder auction clearance rates across Australia are returning to normal. What happens next? It's looking like we are at the start of a rebound.

Louis Christopher, managing director of the SQM Research Group joins Associate Editor - Wealth,  James Kirby in this episode.

In today's show, we cover:

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Is it really this easy? You buy a share market index fund and it goes up by 10 per cent every year.....Hmm...Well, actually, the ASX 200 index is comprised of 50 per cent banks and miners: When they rise together, an index fund will fly high. But if the going gets tough, your share portfolio will not be as diversified as you may think. What's more, major problems are forming in the market where enormous amounts of money are pouring into stocks often because ETF algorithms are blindly following market momentum...how will it end?

Adviser Jack Tossol from the Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode.

In today's show, we cover...

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It's the first week of the new financial year: Time to reset your portfolio for the year ahead. Hot share markets, patchy property prices and new rules for super: You need to get up to speed but more than that, you need to stick with your investment principles.

Author Noel Whittaker joins Associate Editor - Wealth, James Kirby in this episode

In today's show, we cover:

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Our recent show on crypto, which was openly sceptical about Bitcoin, triggered a storm of response from listeners who believe Bitcoin is a very worthy asset.
Today, we hear another point of view: AMP recently invested $27m in Bitcoin and that decision has returned around 40 per cent in profits.

In today's show, we cover...

Shane Oliver, chief economist at AMP joins Associate Editor- Wealth, James Kirby in this episode 

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The residential property market is about to be split into very clear segments thanks to a wave of generous home loan incentives. For investors, there is a clear opportunity here: Competition will be slim and values will improve in the market categories just above the incentive thresholds. In fact, the government has usefully provided a guide to how and where the opportunities will arise.

Cameron Kusher of Kusher Consulting joins Associate Editor, Wealth James Kirby.

In today's episode, we cover:

* The new opportunity for investors in a distorted market 
* Queensland takes the prize for loan incentives with a 2% deposit scheme
* The bad news for those waiting for the apartment gap to narrow 
* Capital Gains and Land tax tipped as new tax targets 

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One in three Australian investors now have crypto, and that includes an estimated $1 billion inside the SMSF sector alone.Bitcoin is up more than 40 per cent over the last year...it's time to reconsider 'digital gold'.

Author and family office director Jacqui Clarke joins Associate Editor-Wealth, James Kirby in this episode.

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In today''s show, we cover

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Buyer's advocates spend their entire time professionally working on the business of buying residential property: As our guest today suggests: "It's both a science and an art."

In fact, the secret is that you can make compromises to get what you want.
But those compromises can be quite different for the home buyer compared to the residential investor.

Jarrod McCabe of Wakelin Property Advisory joins Associate Editor - Wealth, James Kirby in this episode.

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In today's episode, we cover:

The compromises you can make in buying property
The mistakes to avoid in having a property managed for you
Making the big jump to owning more than one property
How does the First Home Buyer Guarantee scheme work?

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McGrath’s Tony O’Doherty is one OF Australia’s top real estate agents: He has sold more than $270m worth of residential property over the last year…and he’s got some very useful information to impart, one secret in particular will fascinate you.

Tony O’Doherty of the McGrath property group in Bulimba joins Associate Editor -Wealth, James Kirby in this edition.

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In today’s show, we cover:

* The biggest risk facing today’s property investors 

* Hottest areas for long-term property investment

* Queensland - Why it’s so popular right now 

* Oh yes, the secret..well, you’ll just have to listen…

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The second term of Donald Trump has been marked by a roller coaster global sharemarket: Even the biggest players among Australian industry funds are openly debating whether it's worth sticking with Wall Street. But you have to make a decision...

Nick Griffin, chief investment officer at Munro Partners joins Associate Editor Wealth, James Kirby in this episode.

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In today's show, we cover:

* It's the earnings, stupid! - Trump or no Trump

* Why global software giants will keep winning

* The case against banks, airlines and consumer fashion stocks

* AI -It's the real deal for long-term investors 

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Our show on the incentives available (federal and state) on turning your home into a clean energy powerhouse brought in a flood of questions.Today we return to the issue with top questions from listeners.

Financial adviser James Gerrard of www.financialadviser.com.au joins Associate Editor - Wealth, James Kirby in this episode.

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In this episode, we cover...

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One of the most original ideas in property investment is the ThirdHome group, a global exchange club for holiday home properties that opens up what in many cases is an under-utilised asset to the wider world: Just quietly, the group has signed up more than 500 Australian luxury holiday homes - it's a fascinating story.

Wade Shealy, founder and CEO of the ThirdHome group, joins Associate Editor Wealth James Kirby in this episode.

In today's show, we cover...

* The upmarket holiday home swap  

* The rules of luxury property 

* Wade Shealy on how he built a global property enterprise 

*  New directions for the luxury holiday home market

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Everyday shareholders have always been at the back of the queue when it comes to takeovers, but this year global private equity players have clearly emerged as the 'Barbarians at the gate'.
Healthscope, once a $5 billion stock is now in  receivership along with  its chain of 37 hospitals after a private equity deal went very wrong...what's next?

Eric Johnston, Associate Editor- Business, joins James Kirby in this episode.

In today's show, we cover...

How do we navigate around private equity plunder?
Can social infrastructure such as hospitals ever make useful listed investments?
Have we been unfair to Bitcoin?
How productivity makes a difference to your share portfolio 

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pmarket property is, well, in a league of its own: Shane Smollen is a specialist in the area…and the creator of some of the most impressive heritage-focussed developments in the country.

In today’s episode, we cover…

* Quality first - Setting your property ambitions higher
* Expect the unexpected - surviving whatever gets in your way
* The distinct business of luxury property
* Can I live in my SMSF-owned property ?

Shane Smollen of the Central Element group joins Associate Editor - Wealth, James Kirby in this episode

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Investors at all levels are up in arms over the new super tax largely because it is based on 'paper gains' and it will not be indexed for inflation.

Don't miss this special edition...

In today's show, we cover...
* The essential problems with the new super tax 

Hugh Robertson of the Centaur Financial Services group joins Associate Editor- Wealth James Kirby in this episode 

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Holding residential property inside your super fund has always been demanding - but also lucrative.

Higher rates, higher deposits, and a shortage of lenders have always restricted this activity to the most determined investors: Now, the new super tax adds another layer of challenges for property investors.

Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor - Wealth, James Kirby in this episode.

In today's show, we cover 

* Property investment inside super...all too hard?
* The threat to borrowing inside super from the Greens
* How to negotiate a lower mortgage rate with your bank
* Should sharemarket listed property funds be classified as shares or property?

See omnystudio.com/listener for privacy information.

The hottest investment of the year has been one of the oldest known investments... Gold!

It's increased at ten times the pace of the wider ASX 200 over the year to date... and that's after years of 20 per cent plus returns.Is it for you..and how might a new investor get started?

In today's episode, we cover:

Jordan Elesio, general manager of ABC Bullion joins Associate Editor - Wealth, James Kirby in this episode.

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The re-elected Albanese government is offering to effectively cut the price of home batteries for solar by half. That's on top of the generous tax incentives it has already rolled out for electric cars: It's time to cash in on the greening of Australia.

In today's show we cover

James Gerrard of www.financialadviser.com.au joins Associate Editor- Wealth, James Kirby in this episode

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The ALP is back with a renewed mandate for government - what does it mean for your portfolio, or your SMSF or your investment property?

In the space of the last few days we have got a much clearer picture of what the election result will imply for the active investor.. today we take you through what you must know.

Will Hamilton of Hamilton Wealth Partners joins Associate Editor- Wealth James Kirby in this episode we cover...
* The risk of new tax changes
*  The latest on the super 'paper gains' tax 
*  A clear threat to borrowing in SMSFs 
*  Getting to know the new power of 'The Greens'

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It seems like a good idea - rent your home and buy an investment property where you can deduct the mortgage payments against your annual income tax. In fact, it all works...to a point: But this increasingly popular investment strategy does not mean you get to buy your own home...worse still, it may mean the bank won't lend you any more funds.

Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor-Wealth, James Kirby in this week's episode as we cover...

* The problem with 'rentvesting'
* A predictable pick up in house prices 
* The new government's menu for first-home buyers 
*  How HECs changes will also boost the housing market 

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Fund manager Geoff Wilson is at it again...campaigning for investors against poorly designed tax changes...and this time he has a major fight on his hands. Taxing unrealised gains (or paper gains) in super is a shocker, but it's a key policy for the government...and the government is set to be returned after the election.

Geoff Wilson of Wilson Asset Management joins James Kirby, Associate Editor-Wealth in this episode 

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In today's show, we cover...
     * The problem with the new super tax...and how it could be fixed
     * Why Australian interest rates may fall a lot further than the market expects 
     * The case for sticking with US shares 
     * Defensive stocks for the months ahead 

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When it comes to tax affairs, it's never easy: Many investors believe they do not get a fair deal: But some people clearly suffer financial abuse (which often begins with how a partner has behaved in the past). Sometimes too, the issues don't fit neatly for a financial adviser or a financial counsellor: That’s where the Tax Clinic, an experiment at UNSW, fills the gap.

Ann Kayis-Kumar of the Tax Clinic at UNSW joins Associate Editor - Wealth, James Kirby in this episode.

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In today's episode, we cover

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You can spend half a lifetime working and investing only to hit a financial earthquake with a divorce. But there are ways to ensure the best possible outcome.

Financial adviser Nathan Fradley joins James Kirby, Associate Editor - Wealth in this episode.

In today's episode, we cover:

See omnystudio.com/listener for privacy information.

The markets are wild and cash rates are dropping quickly at the major banks: Investors of every type need cash. Here's a guide for the investor who wants to be ready for the next opportunity.

Liam Shorte of the Sonas Group joins Associate Editor- Wealth James Kirby in this episode.

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In today's episode, we cover:

See omnystudio.com/listener for privacy information.

The bargain hunters are in the market but many big funds and family offices are concentrating more on building cash: That’s because investment markets are more than 'uncertain' just now - in reality they are unfathomable.
Today's guest spot goes to one of the best-known investors (and philanthropists) in Australia, Chris Cuffe.

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In today's episode, we cover:

* Asset allocation in an age of extreme uncertainty 
* What investors at the big end of town are doing now 
* Philanthropy for the active investor 
* Tax optimisation in charitable giving

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Falling interest rates, a wild share market and an election campaign where both parties are falling over each other to throw money at first-home buyers...it's the perfect conditions for a lift in residential prices throughout 2025.

Stuart Wemyss of the Prosolution Private Clients group joins Associate Editor- Wealth, James Kirby in this episode.

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In today's show, we cover

See omnystudio.com/listener for privacy information.

Yes, the current market crisis has been 'caused' by the US: You could say the same for the dot.com crash and the GFC. But is that an argument for stepping away from the country which represents more than 60 per cent of the global share market - and hosts the world's most important bond market?

Dr Sam Wylie of the Windlestone Education group joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

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The share markets have dropped hard following a severe bout of selling by institutional investors, but share-broker data suggests that everyday investors are bargain hunting.
What's really going on?

Gemma Dale, head of investor behaviour at NABtrade joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

* What bargain hunters are buying 
* Gold drops from the favoured list 
* In a Covid-style replay, ETFs underpins the action
* Getting rid of unwanted shares 

See omnystudio.com/listener for privacy information.

Trump's upending of world trade happens to coincide with challenging times for Big Super: The major funds face weak share markets while battling a range of administrative failures that have put Australian Super and CBUS  in the headlines for all the wrong reasons.It might be time to take control.

Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth, James Kirby in this episode.

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In today's show, we cover:

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Donald Trump's unleashing of his tariff program through the Liberation Day plan has the share market reeling - and the US market is reeling the most with the weakest numbers so far this year. As Trump's old colleague, Steve Bannon, calls for Liberation Day to be made a public holiday in the US, it's time to take a serious look at Trump and your investments.

Cameron Stewart, Chief International Correspondent of The Australian joins Associate Editor Wealth, James Kirby in this episode.

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In today's show episode, we cover:

See omnystudio.com/listener for privacy information.

The 2025 Budget managed to squeeze in a few pre-election surprises. A teeny tax cut, a decision to 'do nothing' on pension access (with unchanged deeming rates) and a genuine move to upgrade the government's signature Shared Home Ownership program.
The so-called Help To Buy scheme will be very popular, but what are the risks?

In this episode, Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth, James Kirby.

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In today's show, we cover

* The biggest thing for First Home Buyers in years- Help To Buy
* Why bracket creep undermines all tax cuts 
* Is the $3m super tax dead or alive?
* Should long-term investors be influenced by today's dividend yields? 

See omnystudio.com/listener for privacy information.