Stop 'expense creep': How to plan for a better financial retirement

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. 

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:
The hidden cost of 'expense creep' to your life plans
Translating the principles of good management to investment choices 
Asset-rich and cash-poor - It doesn't have to be this way
Cash ETF are worth a look 

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:
<ul>
<li>The hidden cost of 'expense creep' to your life plans</li>
<li>Translating the principles of good management to investment choices&nbsp;</li>
<li>Asset-rich and cash-poor - It doesn't have to be this way</li>
<li>Cash ETF are worth a look&nbsp;</li>
</ul>

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au. 

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

The Australian’s Money Puzzle covers all important finance and property topics.

The Money Puzzle

Every week, The Australian's James Kirby delivers two power-packed episodes featuring in-depth analysis of property markets and smart money-making strategies.

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au.

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

'Expense Creep': The silent killer of investment dreams 

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/9d4b876f-2d07-4be3-aaad-b38d003c1fd6/transcript

Die with zero: How to transfer wealth to your kids sooner | The Money Puzzle Podcast

 Why are you holding onto an investment property so that you might someday help your kids buy a house? 

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.

In today's show, we cover:
The debate over intergenerational fairness
Practical tips for helping your children buy a house
The broader attraction of 'Die with Zero'
An update on the latest home grant blitz

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.
In today's show, we cover:
<ul>
<li>The debate over intergenerational fairness</li>
<li>Practical tips for helping your children buy a house</li>
<li>The broader attraction of 'Die with Zero'</li>
<li>An update on the latest home grant blitz</li>
</ul>

Die with zero: Why you should give it away sooner

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/cf34e679-df41-4bea-8cc5-b3a9002e01aa/transcript

Why you'll lose money betting against the bank if you fix your mortgage rate

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. 

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:
You fix, you lose: here's the data over two decades
The new APRA lending limits
How non-banks will now rush the mortgage market
Pressure mounts on CGT for residential investments

 

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:
<ul>
<li>You fix, you lose: here's the data over two decades</li>
<li>The new APRA lending limits</li>
<li>How non-banks will now rush the mortgage market</li>
<li>Pressure mounts on CGT for residential investments</li>
</ul>
&nbsp;

Why fixing your mortgage rate means you will lose money

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/7e4ce5fd-395b-420a-acdf-b3a700484f35/transcript

ASIC Commissioner's warning: Why your superannuation calculator is lying to you about retirement

 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.

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.

In today's show, we cover:
What you need to know about superannuation calculators 
The First Guardian Super Fiasco - can we stop it happening again?
A fresh warning on the private credit boom
Moneysmart updates its offering 

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 -&nbsp; 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.
In today's show, we cover:
<ul>
<li>What you need to know about superannuation calculators&nbsp;</li>
<li>The First Guardian Super Fiasco - can we stop it happening again?</li>
<li>A fresh warning on the private credit boom</li>
<li>Moneysmart updates its offering&nbsp;</li>
</ul>

Do I really need that much? The problem with superannuation calculators 

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/44c26cc9-54f4-42b4-a6c5-b3a2006403e1/transcript

'Expense Creep': The silent killer of investment dreams

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