Money Over 50

For all listener questions/feedback, please contact the team at podcast@mo50.com.au Providing hand outs to your adult children is not necessarily in the best financial interest of either parties. But there are ways to 'hand up' this money to benefit the receiving party and not cement bad financial habits.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au In this episode we discuss different examples of when it is/isn't suitable to leave your current financial adviser.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au This episode is the last of the weekly Covid-19 episodes that were keeping you in touch with what's happening in the financial markets during this time.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au Michael and Dallas discuss risk and how changing your investment plan to reduce market risk (volatility) is simply shifting your risk over to somewhere else i.e. possibility of running out of money due to purchasing power risk. 

For all listener questions/feedback, please contact the team at podcast@mo50.com.au This week has seen some easing of restrictions and plans for more to lift in the near future. We are still in discount territory for investing, with the market being down 24%. ​

For all listener questions/feedback, please contact the team at podcast@mo50.com.au The term account based pension can confuse a lot of retirees, in this episode we aim to break it down for you in a way that you can understand.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au In this episode, we discuss why we have decided to utilise our language to remind our clients that they are invested into companies and not just a number on piece of paper.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au The week started off well with a 5% rise in the market to start it off, but by Friday it went back down to where it started at the week at 27% off everything. This is volatility at its finest.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au In the world of investing there are two major types of fear: the fear of loss, and; the fear of missing out. It would be safe to say that as investor's we have all felt these fears in some instance.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au This episode is another update on the financial world during the Covid-19 pandemic. You can see the pattern in our terminology; seeing the low market values as an opportunity instead of issue, can do wonders for your retirement planning.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au Adding half a million dollars to your retirement savings may seem like a foreign thought during times like these (Covid-19). However, we'll discuss why having a well thought out and executed plan can help you achieve that.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au Moving your super into cash may feel like a safe move because you avoid the worries caused by volatility, but in reality, it opens up a whole new risk and can have a negative impact on your  retirement savings.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au The Australian market is still on sale for those wanting to invest, now sitting at 23% under it's previous high. On top of that, the S&P 500 (top American companies) is down by only 17% even though they have a large and very serious threat with Covid-19.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au In this episode Dallas and Michael discuss owning residential property in retirement, and highlight the many negatives that come with owning this type of asset.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au This 3 part series involves Dallas Davison interviewing Michael Hogue on his experience through times of significant market drops. The final part of this series focuses on the recovery from the GFC (2009 to now).

For all listener questions/feedback, please contact the team at podcast@mo50.com.au Just recently we had done a podcast talking about the volatility caused by Covid-19 where the market was 35% down from the top; it is now at 25% down from the top. Yet we still can't predict whether it has hit the bottom or not, all we know is that there is still a "discount" on shares at the moment and it may be a...

For all listener questions/feedback, please contact the team at podcast@mo50.com.au This 3 part series involves Dallas Davison interviewing Michael Hogue on his experience through times of significant market drops. The second part of this series focuses on Michael's experience during the Global Financial Crisis (2007-2009).

For all listener questions/feedback, please contact the team at podcast@mo50.com.au This 3 part series involves Dallas Davison interviewing Michael Hogue on his experience through times of significant market drops. The 1st part of this series focuses on the boom years (2001 to 2007).

For all listener questions/feedback, please contact the team at podcast@mo50.com.au We're in a stressful time due to Covid-19, and the thought of retirement planning might be pushed to the back of your mind with so much going on. However, it might actually be a really good to establish or enhance your retirement plan.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au This is the first update of our weekly financially-related Covid-19 discussions. This episode's focus is on how a different mentality regarding the market price drops caused by Covid-19 can become an advantage to your retirement savings.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au During periods of high volatility and uncertainty, it's understandable why some people want to reduce that pain by pulling their money out into cash and reinvesting it when things settle down. Unfortunately, this a quick way to crystallise your losses, therefore, losing retirement savings in the process

For all listener questions/feedback, please contact the team at podcast@mo50.com.au Volatility is a part of every day life... When it comes to investing, it becomes apparent even more. But just as there are highs, there will be lows, it does not mean you have done something wrong

For all listener questions/feedback, please contact the team at podcast@mo50.com.au The old fashioned 'cash' method of payment for certain expenses might be a massive help with your bad spending habits. The convenience of technological advances, such as tap and go, blinds you from seeing yourself blow your budget out, but visually watching your cash go down is an excellent way to cap your expenses...

For all listener questions/feedback, please contact the team at podcast@mo50.com.au When you pass away, if your money is being passed onto a non-dependant beneficiary (e.g. adult children) a portion of these funds will be taxed. Dallas and Michael discuss a way to avoid this inheritance tax.

For all listener questions/feedback, please contact the team at podcast@mo50.com.au How time flies, the first of Generation X turns 55 this year (2020). This is a significant time because this is when the thought of retirement really creeps up in someones mind.