The Money Puzzle

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 Spr...

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,...

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. -------- In today's show, we cover: The key principles of FIRE Getting the best from what the movement has to offer A case study...

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 editio...

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, We...

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: The Hotspotting formula for fin...

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 behavi...

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'...

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 intergen...

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 Associ...

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...

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 - We...

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 co...

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 G...

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  In today's show, we cover: Why a...

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...

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 plan...

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 s...

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: Criti...

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,...

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: Final cut on the new super tax  Is the gold s...

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...

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: The arguments for a continued escalation in gold price...

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 cov...

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...