What financial risks to avoid in the year ahead 

Interest rates are set to fall in 2025 - and we may have to say goodbye to the days of 5 per cent returns for zero risk. 

Interest rates are set to fall in 2025 - and we may have to say goodbye to the days of 5 per cent returns for zero risk. Of course, there is no lack of opportunists standing in the wings with ideas for your money: The problem is that most of these 'opportunities' will come with a lot more risk than a bank deposit. What to do?

Liam Shorte of the Sonas Wealth group joins wealth editor James Kirby in this episode.

---------
In today's show, we cover
Preparing for lower fixed-interest returns 
The risk of alternatives...especially private credit funds
Taking profits on Commonwealth Bank stock
How much time should you spend on your investments 

Interest rates are set to fall in 2025 - and we may have to say goodbye to the days of 5 per cent returns for zero risk. Of course, there is no lack of opportunists standing in the wings with ideas for your money: The problem is that most of these 'opportunities' will come with a lot more risk than a bank deposit. What to do?
Liam Shorte of the Sonas Wealth group joins wealth editor James Kirby in this episode.
--------- In today's show, we cover
<ul>
<li>Preparing for lower fixed-interest returns&nbsp;</li>
<li>The risk of alternatives...especially private credit funds</li>
<li>Taking profits on Commonwealth Bank stock</li>
<li>How much time should you spend on your investments&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.

What financial risks to avoid in the year ahead (with Liam Shorte)

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/5a4a4cfc-6bc2-42e9-a836-b26c003272c0/transcript

Struggling in the final lap: Your 2025 investment year

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. 

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:
Global markets pull us up
The ASX - Large caps bad, small caps good
Winners and losers in a volatile year
Gold V Bitcoin - No further questions your honour! 

Investment markets&nbsp;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&nbsp;in the final quarter of the calendar year bringing home about 16 per cent.&nbsp;What a year for the active investor! How was it for you?&nbsp;
James Gerrard of&nbsp;<a href="http://www.financialadviser.com.au/" data-saferedirecturl="https://www.google.com/url?q=http://www.financialadviser.com.au&amp;source=gmail&amp;ust=1766116196840000&amp;usg=AOvVaw2JChoV2xCDiQBPACPx2nvh">www.financialadviser.com.au</a> joins Associate Editor, Wealth James Kirby in this episode.
In today's show, we cover:
<ul>
<li>Global markets pull us up</li>
<li>The ASX - Large caps bad, small caps good</li>
<li>Winners and losers in a volatile year</li>
<li>Gold V Bitcoin - No further questions your honour!&nbsp; </li>
</ul>

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/f423e654-ad02-4947-a497-b3b7004d8a2f/transcript

Why Wall Street is Crushing Australian Stocks: The Money Puzzle Podcast

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 per cent total return.

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:
The hard evidence that local shares let you down Why Wall Street wins ...and it's not just Trump
Gold puts crypto in the shade  
Should SMSFs pay levy for bad advice? 

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?&nbsp;
Gemma Dale, head of investor behaviour at nabtrade joins Associate Editor - Wealth, James Kirby in this episode.
In today's show, we cover:
<ul>
<li>The hard evidence that local shares let you down Why Wall Street wins ...and it's not just Trump</li>
<li>Gold puts crypto in the shade &nbsp;</li>
<li>Should SMSFs pay levy for bad advice?&nbsp; </li>
</ul>

Have Aussie shares let you down this year?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/6e9d0035-3e14-4092-82e1-b3b00037142b/transcript

Intergenerational breakthrough: building in your backyard

 Everyone is feeling the squeeze of sky-high property prices: At the same time, state governments across Australia are actively encouraging 'densification'.

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:
Beyond the 'granny flat' - how tax benefits flow to intergenerational property 
Can we get on...who pays for what? 
How recent planning and tax changes make intergenerational living easier 
Know your rights...why advice is crucial in this area.

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:
<ul>
<li>Beyond the 'granny flat' - how tax benefits flow to intergenerational property&nbsp;</li>
<li>Can we get on...who pays for what?&nbsp;</li>
<li>How recent planning and tax changes make intergenerational living easier&nbsp;</li>
<li>Know your rights...why advice is crucial in this area. </li>
</ul>

YIMBY! Building in the backyard: the intergenerational breakthrough 

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/05e1ff95-7d62-4e5b-92a2-b3ae003a3e87/transcript

What financial risks to avoid in the year ahead (with Liam Shorte)

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