Late starter investing: How to clear debt, catch up on super and avoid common traps

So you started late as an investor: Don't panic, you are not alone and help is at hand.

So you started late as an investor: Don't panic, you are not alone and help is at hand.

Olivia Maragna of Aspire Retire joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
How to catch up on the mortgage and your super
What to do with student debt
The traps to avoid for the active investor
Beyond negative gearing - optimising your best earning years 

So you started late as an investor: Don't panic, you are not alone and help is at hand.
Olivia Maragna of Aspire Retire joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
<ul>
<li>How to catch up on the mortgage and your super</li>
<li>What to do with student debt</li>
<li>The traps to avoid for the active investor</li>
<li>Beyond negative gearing - optimising your best earning years&nbsp; </li>
</ul>

Investing for the late starter (yes, there's still time)

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/cef809a5-6d10-4dad-99fc-b4ff01865e73/transcript

How to refinance your mortgage in a rising rate market: equity release, offset accounts & negotiating with banks

Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle: like right now!

Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle - like right now!

Rasti Vaibhav of the Get RARE buyer's agency joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
The magic words...Mortgage Discharge Authority...do they still work?
Getting the best deal from any bank, including your own lender
Exploring refinance alternatives such as lengthening your mortgage period
Optimising the offset - Securing your repayments by using the equity you've accumulated

Rising rates and falling property prices always trigger a flood of refinancing, but many of the best deals are done in the early phase of the cycle - like right now!
Rasti Vaibhav of the Get RARE buyer's agency joins Associate Editor, James Kirby in this episode. In today's show, we cover:
<ul>
<li>The magic words...Mortgage Discharge Authority...do they still work?</li>
<li>Getting the best deal from any bank, including your own lender</li>
<li>Exploring refinance alternatives such as lengthening your mortgage period</li>
<li>Optimising the offset - Securing your repayments by using the equity you've accumulated </li>
</ul>

It's time to refinance your loans - here's what to do

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f532e6ae-5966-48a5-9286-b4fe0049e4bb/transcript

Anthropic IPO, borrowing to invest in AI, and tax changes: listener questions answered with Hugh Robertson

The queue of listener questions at themoneypuzzle@theaustralian.com.au has been building up: It's time to tackle the task with one of the best advisers in the market.

The queue of listener questions at themoneypuzzle@theaustralian.com.au has been building up. It's time to tackle the task with one of the best advisers in the market. 

Hugh Robertson, CEO of Centaur Financial Services joins Associate Editor, James Kirby on this special episode.

In today's show, we cover:
Assessing the Anthropic IPO
The aftermath of the Bathla collapse
CGT post Budget.
Too much of a good thing: the listener overloaded with Google shares
And much, much more

The queue of listener questions at <a href="mailto:themoneypuzzle@theaustralian.com.au">themoneypuzzle@theaustralian.com.au</a> has been building up. It's time to tackle the task with one of the best advisers in the market.&nbsp;
Hugh Robertson, CEO of <a href="https://centaurfinancial.com.au/" data-saferedirecturl="https://www.google.com/url?q=https://urldefense.com/v3/__https://centaurfinancial.com.au/__;!!F0Stn7g!EXZ6yqrfGR2i6Dyl84jXpjAeSRe-9TAjugGwdJRNIPH1m14Hl-BYaZ3hYH-KHmfhBu_7CogIXntaK9MjuJ5aK6zBjosHouai$&amp;source=gmail&amp;ust=1793932949193000&amp;usg=AOvVaw00qZF6W4ydccLRSqjCBevu">Centaur Financial Services</a> joins Associate Editor, James Kirby on this special episode.
In today's show, we cover:
<ul>
<li>Assessing the Anthropic IPO</li>
<li>The aftermath of the Bathla collapse</li>
<li>CGT post Budget.</li>
<li>Too much of a good thing: the listener overloaded with Google shares</li>
<li>And much, much more</li>
</ul>

Special Episode : Listener questions answered

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/776b7ca7-61bc-424f-90f7-b4f9002a6e22/transcript

How much super do you need? Navigating Australia's pension sweet spot and superannuation thresholds

Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.

Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.

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

In today's show, we cover:
How much should you have in super
Finding the 'sweet spot' for pension access
Avoiding 'the worst of all worlds' where you miss out on easy money
How to assess 'pension boost' products from the big funds

Most people focus on hitting a dollar figure when it comes to super savings, but a closer look at the system shows a 'sweet spot' for pension access that serves as the crucial issue for most Australians.
Financial adviser, James Gerrard of <a href="https://www.google.com/url?q=http://www.financialadviser.com.au&amp;sa=D&amp;source=editors&amp;ust=1793679127727233&amp;usg=AOvVaw0_azfM2yZ-NpkKZBLGHLea" data-rawhref="http://www.financialadviser.com.au">www.financialadviser.com.au</a> joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
<ul>
<li>How much should you have in super</li>
<li>Finding the 'sweet spot' for pension access</li>
<li>Avoiding 'the worst of all worlds' where you miss out on easy money</li>
<li>How to assess 'pension boost' products from the big funds </li>
</ul>

How much super do you need? Finding 'the sweet spot'

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/fdf5700b-dae2-4a43-b404-b4f70046e565/transcript

Death, taxes, and the inevitability of an inheritance tax

As trillions of dollars begin transferring to the next generation, is it only a matter of time before Australia joins other nations to tax an inheritance?

As trillions of dollars begin transferring to the next generation, is it only a matter of time before Australia joins other nations to tax an inheritance? Morgan Solomon, Director at Solomon Hollett Lawyers joins Julie-anne Sprague, Wealth Editor in this episode.

In today's show, we cover: 
The rise of testamentary trusts
The importance of having a will
Estate planning and the great wealth transfer

As trillions of dollars begin transferring to the next generation, is it only a matter of time before Australia joins other nations to tax an inheritance?&nbsp;Morgan Solomon, Director at Solomon Hollett Lawyers joins Julie-anne Sprague, Wealth Editor in this episode.
In today's show, we cover:&nbsp;
<ul>
<li>The rise of testamentary trusts</li>
<li>The importance of having a will</li>
<li>Estate planning and the great wealth transfer</li>
</ul>

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/d13e8909-81a8-45c9-aae8-b4f200240db9/transcript

Bricks vs shares: how new tax changes flipped property and stock investing with Chris Brycki

It's the age-old question: is an investment property or shares a better investment? 

It's the age-old question: is an investment property or shares a better investment? The government's tax changes has blown the debate wide open. As Stockspot founder Chris Brycki explains to The Australian's wealth editor Julie-anne Sprague, the numbers are in. His analysis of a $1m property shows investment property owners need to find an extra $11,000 a year just to stay in the same position as they were before. 

Read his analysis in The Australian here

In today's show, we cover:
Strategies in diversification
Investing a lump sum or dollar-cost averaging
Tech stock alternatives

To sign up to The Australian's free wealth newsletter here

It's the age-old question: is an investment property or shares a better investment? The government's tax changes has blown the debate wide open. As Stockspot founder Chris Brycki explains to The Australian's wealth editor Julie-anne Sprague, the numbers are in. His analysis of a $1m property shows investment property owners need to find an extra $11,000 a year just to stay in the same position as they were before.&nbsp;
Read his analysis in The Australian <a href="https://www.theaustralian.com.au/wealth/property-investing/budget-tax-changes-flip-property-v-shares-equation-for-investors/news-story/239ecff905bc720e5195fd01b83fc867">here</a>
In today's show, we cover:
<ul>
<li>Strategies in diversification</li>
<li>Investing a lump sum or dollar-cost averaging</li>
<li>Tech stock alternatives</li>
</ul>
To sign up to The Australian's free wealth newsletter <a href="https://www.theaustralian.com.au/newsletters/wealth">here</a>

Bricks vs Shares: Here's how the new tax regime changed the maths

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/04a82462-9746-4aea-bbd2-b4f0005fcbbf/transcript

How to optimise AI as an active investor with Daniel Gara

The risks and opportunities of AI become clearer each day, but how do you - the investor - optimise AI while minimising your risks?

The risks and opportunities of AI become clearer each day, but how do you - the investor - optimise AI while minimising your risks?

Daniel Gara, founder of Vectatech.com.au joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
How to best use AI as an active investor
Securing your data against later use by AI companies
Tackling AI questions to get the answers you need
Anthropic's Claude for financial advisers explained

 

The risks and opportunities of AI become clearer each day, but how do you - the investor - optimise AI while minimising your risks?
Daniel Gara, founder of Vectatech.com.au joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
<ul>
<li>How to best use AI as an active investor</li>
<li>Securing your data against later use by AI companies</li>
<li>Tackling AI questions to get the answers you need</li>
<li>Anthropic's Claude for financial advisers explained</li>
</ul>
&nbsp;

How to optimise AI as an active investor

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f8b084ac-5754-408a-9284-b4eb0065ddf7/transcript

Why private credit is facing a reality check: Charlie Viola on Metrics Credit and market risks

This is the year reality bites for private credit investors: Put simply, it was too good to be true for several years.

This is the year reality bites for private credit investors: Put simply, it was too good to be true for several years. More recently, just as everyday investors piled into the space, the numbers have turned against it.

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

In today's show, we cover:
Private credit shake-up: The Metrics Credit affair
Should we compare private credit to shares or bonds?
Keeping an eye on the fallout from the Bathla collapse
Passive investing and the problem of poor quality IPOs

This is the year reality bites for private credit investors: Put simply, it was too good to be true for several years. More recently, just as everyday investors piled into the space, the numbers have turned against it.
Charlie Viola of Viola Private Wealth joins Associate Editor, James Kirby, in this episode.
In today's show, we cover:
<ul>
<li>Private credit shake-up: The Metrics Credit affair</li>
<li>Should we compare private credit to shares or bonds?</li>
<li>Keeping an eye on the fallout from the Bathla collapse</li>
<li>Passive investing and the problem of poor quality IPOs </li>
</ul>

Private credit's 'wake-up' call (with Charlie Viola)

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f50d52fb-cec0-43b2-a222-b4e90056c3aa/transcript

FIRE- Finding your magic number for financial independence 

The Financial Independence Retire Early (FIRE) movement has been re-energised through an offshoot tagged as COAST : It's all about the magic number you need to save which allows you to, ahem, 'coast' through the rest of your life without money issues. Would it work for you?

The Financial Independence Retire Early (FIRE) movement has been re-energised through an offshoot tagged as COAST. It's all about the magic number you need to save, which allows you to ahem coast through the rest of your life without money issues. Would it work for you?

Lionel Lee, author of 'Into The Moneyverse' joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
FIRE - What you need to know
How the COAST principle works
Adapting for the Australian super system
Should you save inside or outside super?

 

The Financial Independence Retire Early (FIRE) movement has been re-energised through an offshoot tagged as COAST. It's all about the magic number you need to save, which allows you to ahem coast through the rest of your life without money issues. Would it work for you?
Lionel Lee, author of 'Into The Moneyverse' joins Associate Editor, James Kirby in this episode. In today's show, we cover:
<ul>
<li>FIRE - What you need to know</li>
<li>How the COAST principle works</li>
<li>Adapting for the Australian super system</li>
<li>Should you save inside or outside super?</li>
</ul>
&nbsp;

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/8b50a2f1-143e-4144-97d8-b4cd006f03ba/transcript

Australian property market outlook: Stock overhang, vacancy rates & Melbourne value

The Spring season's 'stock overhang' will determine the outlook for the property market. It will also provide an early guide on where the bargains will emerge for investors.

The Spring season's 'stock overhang' will determine the outlook for the property market. It will also provide an early guide on where the bargains will emerge for investors.

Angus Moore, senior economist at Realestate.com.au joins Associate Editor, James Kirby in this episode.

In today's show, we cover:
Stock overhang - The markets with the most for sale
Will vacancy rates stay low if prices drop further?
Is Melbourne the value hunter's opportunity?
Negative gearing new homes - signs of life inside industry data

The Spring season's 'stock overhang' will determine the outlook for the property market. It will also provide an early guide on where the bargains will emerge for investors.
Angus Moore, senior economist at&nbsp;<a href="https://www.google.com/url?q=http://Realestate.com.au&amp;sa=D&amp;source=editors&amp;ust=1791859054677367&amp;usg=AOvVaw3qT7h6WQqOAAsySevtNHTm">Realestate.com.au</a> joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
<ul>
<li>Stock overhang - The markets with the most for sale</li>
<li>Will vacancy rates stay low if prices drop further?</li>
<li>Is Melbourne the value hunter's opportunity?</li>
<li>Negative gearing new homes - signs of life inside industry data </li>
</ul>

'Stock overhang'- Inside the property market's biggest issue

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/4d304e93-08e0-4fcd-8ad2-b4e200587b66/transcript

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.

The Money Puzzle

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