Australian Retirement Podcast

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DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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Private credit dangers every retiree needs to know + $1M super red flags

Thu, 16 Apr 2026 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with school holiday money-saving tips, then dive into the private credit boom sweeping retirement portfolios.

Not all private credit funds are equal. Drew and James break down what retirees need to know: illiquidity premiums, fund manager transparency, borrower quality, concentration risk, and whether evergreen funds are worth the hype. What should you actually look for before jumping into private credit?

Then the big question from "Panicking Parents": "My parents have $1M combined super and plan to withdraw ALL of it to move to an individual financial adviser, just like their friends did. What research should we do? How do I convince them to leave it in super?"

Drew and James expose the massive red flags, tax implications, and conflicts of interest that families need to understand before making this move.

If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

1. Private credit risks - illiquidity premium, fund manager evaluation, borrower quality

2. Evergreen funds - benefits and costs reviewed

3. Concentration risk - how many underlying loans in your fund?

4. $1M super withdrawal red flags - tax implications and conflicts of interest

5. One piece of retirement advice - Drew and James' best wisdom

Resources for this episode

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Trump geopolitics: Missing 10 best days cuts returns in HALF

Thu, 09 Apr 2026 06:05:00 -0000

In this Australian Retirement Podcast episode, we take a close look at the US-Iran war volatility: Should you sell or hold? Did you know, missing the 10 best market days cuts returns in HALF. Plus your week-by-week GFC crash playbook for year 1 retirees.

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle the question terrifying every retiree: with markets down 10%, Iran war escalating, and oil prices spiking - should you SELL or HOLD?

The data is brutal. Research shows missing just the 10 best market days over 30 years cuts your returns in HALF. Miss 30 days? Returns drop 84%. The kicker: 76% of the best days happen during bear markets or in the first two months of a bull market. JP Morgan found that seven of the 10 highest-returning days happened within two weeks of the market's largest declines.

Drew and James debate both sides - the case for staying invested versus the "this time is different" argument - then answer a listener's question: "How safe is my super during global conflicts? Can I park it somewhere safer?"

Finally, the big one: if you got a GFC-style crash in year one of retirement, what does the playbook actually look like week by week?

If you like this Australian Retirement Podcast episode, don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- Trump war geopolitics - sell or hold your portfolio?

- Missing 10 best days = 50% returns loss (Hartford Funds 30-year study)

- Why 76% of best days happen in bear markets

- Can you park super somewhere safer during volatility?

- GFC crash in year 1 retirement - your week-by-week playbook

Resources for this episode

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Planning for aged care explosion, balanced fund myth & skipping generations in wills

Thu, 02 Apr 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth expose the "balanced" fund myth. Remember "Compare the Pair"? Two funds both labeled "balanced" can hold 40% vs 80% growth assets. Despite influencing millions of retirement outcomes, "balanced" has NO legal, regulatory, or industry-standard definition. It's marketing, not investment strategy.

James delivers shocking health news: Add 9 years to your life with just 7-8 hours sleep, 40 minutes moderate exercise daily, and a healthy diet. Even baby steps work - UK study of 59,078 participants found adding just 5 minutes sleep, 2 minutes exercise, and half a vegetable serving per day adds ONE EXTRA YEAR of life expectancy.

The Boomer Briefing tackles three critical questions:

"Where There's a Will, Is There a Way?" - With life expectancies increasing, when does it make sense to skip your retiree children and leave inheritances directly to adult grandchildren? Can you reassign your share of your parents' estate to your kids? Legal and tax implications explained, plus testamentary trust strategies.

"Wood Miner" asks: How do I protect my investments from litigation and being sued? Is super in accumulation phase better protected than pension phase?

Today's big question: "If aged care costs doubled in the next decade - which they might - should retirees be earmarking super specifically for that, or is that just planning for fear?"

Topics covered today:

- "Balanced" fund myth exposed - No legal definition, 40% vs 80% growth assets both called "balanced"

- Live 9 years longer - 7-8 hours sleep, 40 min exercise, healthy diet

- Baby steps add 1 year - Just 5 min more sleep + 2 min exercise + half serving vegetables

- Skip generations in wills - Leaving inheritance to grandchildren instead of retiree children

- Reassigning estate shares - Can you redirect your parents' inheritance to your kids? Tax implications

Resources for this episode

Five minutes exercise life span study

Mercer CFA Institute Global Pension Index 2025

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Div 296 passed, CGT discount cut & why Australia's pension system is falling

Thu, 26 Mar 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with breaking news: The Greens have rubber-stamped Div 296 - and they're demanding MORE tax reform. James breaks down what just passed, while Drew exposes the terrifying CGT and trust changes on the horizon.

Major tax changes being floated:

- New $135K income threshold with stacking provisions

- Cap gains tax capped at 30% maximum

- CGT discount slashed from 50% to 33%

The Boomer Briefing tackles why Australia's pension system ranking has fallen again in the global Mercer CFA Index. We're still top 10, but Netherlands, Denmark, and Iceland are crushing us. Why?

The Mercer Index scores three dimensions: Adequacy (benefits/replacement rates), Sustainability (long-term funding), and Integrity (governance/regulation). Australia excels at capital accumulation with our $3.5 trillion super pool and APRA/ASIC regulation - but we're getting destroyed on retirement income design.

The brutal truth: Australia built a world-class savings system. Northern Europe built world-class retirement income systems. The Mercer Index rewards the latter.

Plus, we say goodbye to Monique Pizzica, producer of The Australian Retirement Podcast.

Topics covered today:

- Greens rubber-stamp Div 296 - It's official, plus they want MORE tax reform

- CGT discount slashed to 33% - Down from 50%, massive tax impact

- New $135K income threshold - Stacking provisions and 30% cap gains cap

- Trust changes coming - What Drew's worried about

- Australia's pension ranking falls - Why Netherlands, Denmark, Iceland beat us

Resources for this episode

Australia slips in global pension ranking

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Age Pension vs super tax breaks debate & can ETFs deliver 6% without capital loss?

Thu, 19 Mar 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with provocative questions: If they had to retire TODAY on only the Age Pension, what's the first lifestyle change? And if a client wanted to blow $200K in year one on a round-the-world trip - backing them or talking them down?

The Boomer Briefing tackles explosive commentary from The Australia Institute, Guardian Australia, and Grattan Institute: Should we scrap super tax concessions entirely and double the Age Pension instead? The math: Super tax concessions cost ~$55-60bn/year ($31bn contributions + $24bn earnings). Age Pension costs ~$62bn/year. The argument: abolish super breaks, double the pension. Would Australians be better off?

Drew and James expose why this sounds good but creates long-term disaster: Super concessions reduce future pension costs. Kill the incentive, more people need full pensions, government pays billions more later. Plus high earners shift to trusts and negative gearing - you never recover 100% revenue. What's actually happening: Division 293/296 tax, transfer balance caps, contribution cap tightening.

Today's question from "Charli": "Which ETFs can generate at least 6% per annum WITHOUT losing capital invested?" Drew and James tackle capital preservation reality, inflation erosion, and whether ANY investment delivers 6% returns with zero capital risk.

If you like this Australian Retirement Podcast episode on the super vs Age Pension debate and safe returns, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

ASFA Comfortable Retirement

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Iran conflict threatens portfolios & retirement costs hit all-time high

Thu, 12 Mar 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle two critical developments threatening Australian retirees: escalating Iran conflict and the shocking rise in retirement costs.

ASFA's Retirement Standard just hit all-time highs. You now need $730,000 for a comfortable retirement as a couple (homeowners, retiring at 67), or $630,000 for singles. This is the first increase in three years. Why the jump? Retiree costs are rising faster than general inflation. While CPI rose 3.8%, electricity jumped 21.5% (after subsidies expired), coffee/tea up 15.3%, beef up 10.8%, and domestic travel up 9.6%. Your comfortable retirement budget is now $77,375/year for couples or $54,840 for singles.

The Boomer Briefing tackles the urgent question on every retiree's mind: What does Iran conflict mean for your retirement portfolio?

Plus: Aware Super's Retirement Manager tool delivered shocking results - 96% of members using it now choose MORE than minimum pension drawdowns (up from 54%). What does this tell us about retiree confidence and spending behaviour?

Today's big questions: "Yoda Best" asks about bucket strategies in retirement - do they actually work? And "Curious Investor" is about to exceed the transfer balance cap by $100-200K at retirement: should they keep an accumulation account or withdraw the excess and invest personally? Drew and James explore the tax implications and optimal strategies.

If you like this Australian Retirement Podcast episode on Iran conflict impact, rising retirement costs, and transfer balance cap strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Aware Super Retirement Manager

Grattan Institute Wealth Cheat Sheet

Rask Resources

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Bank of Mum & Dad guide, ASIC targets lead generators & SMSF boom explained

Thu, 05 Mar 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle why CBA and BHP are both crushing it right now, plus the shocking SMSF boom: 42,000 new funds established in FY25, with the average NEW trustee age dropping to just 47 (vs 61 for existing funds). Why are younger Australians rushing to SMSFs, and 80% doing it without advisers?

The Boomer Briefing covers ASIC's major crackdown on dodgy lead generators selling your details to financial advisers, how to spot ethical vs unethical lead generation, and what retirees need to know about being targeted with rollover offers. Plus: How retirees can use AI like Claude in their financial lives, and whether old-fashioned companies are better during market selloffs.

Today's big question comes from "Ma & Pa Bank" - a 50-year-old couple with a mortgage-free family home and an investment property, wanting to help their late-teen kids buy homes in 5-8 years. How can they use their property equity or the investment property itself to help their children significantly before they're ready to gift cash in retirement? What creative strategies work without destroying their own financial future?

Drew and James explore the biggest mistakes parents make (helping too much, too soon), the critical questions to answer first (how much can you actually afford?), and the real-world strategies that work vs the ones that sound good but wreck retirements.

If you like this Australian Retirement Podcast episode on ASIC's lead generator crackdown and helping kids without wrecking your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

CBA & BHP crushing it - What's driving the performance?

SMSF boom explained - 42,000 new funds in FY25, average NEW trustee age drops to 47

Why young people rushing to SMSFs - 80% set up without advisers

ASIC cracks down on lead generators - How dodgy companies sell your details, what's ethical

Resources for this episode

Rask Resources

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$2M retirement paralysis, franking credits explained & geared ETF reality check

Thu, 26 Feb 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with football season excitement - Saints vs Dogs, tickets locked in for June 21, 2026, and the inevitable complaining about obscene player salaries.

The Boomer Briefing tackles two critical topics:

Q Super's Retirement Bonus - What it is, how it works, eligibility criteria, and whether it's actually worth it or just marketing spin.

Selling down assets: Accumulation vs Pension phase - The massive tax differences that could save or cost you tens of thousands. When should you sell? What's the optimal timing? This is pure gold for anyone approaching retirement.

Then comes the main event - "Unclench-CtrlAltRetire's" epic question:

"I'm 62, currently staring terrified into the retirement abyss with $2M in cash. 50% in a bank at 4.25%, 50% in super on the Members Direct platform, treating the 'Buy' button like it's a detonator. I am paralysed by sequencing risk and overwhelmed by options, resulting in total inaction.

Drew and James deliver a masterclass on:

- Franking credit refunds in pension accounts (the actual mechanics)

- CGT exemptions in pension phase (what IS and ISN'T covered)

- Geared ETFs reality check (risk vs reward in retirement)

- Dollar-cost averaging strategies to overcome analysis paralysis

- Core portfolio construction for retirees

- How to finally press the "Buy" button without panic

This episode is essential for anyone frozen by fear with cash earning nothing while markets move.

If you like this Australian Retirement Podcast episode on pension phase tax strategies and overcoming investment paralysis, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

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Proposed CGT shake-up & de facto relationship pension trap explained

Thu, 19 Feb 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth deliver critical updates on tax changes and relationship traps that could cost you thousands.

After quick summer highlights and the CBA share price update (plenty of AI-driven outperformers despite volatility), they dive into the Boomer Briefing's two massive topics:

PROPOSED CGT CHANGES - New proposals threatening the capital gains tax discount could dramatically affect retirement planning and asset sales. Drew and James break down what's being proposed, who's pushing for it, which assets are targeted, and what retirees should do RIGHT NOW before potential changes take effect. Should you accelerate asset sales? Change your portfolio strategy? This is urgent information every retiree needs.

INTEREST RATES & INVESTMENT MARKET IMPACT - What's happening with rates and how it's reshaping portfolio strategies heading into 2026.

Then comes the de facto relationship pension trap:

"Not Your Average Listener" asks: "I'm 64M on Disability Support Pension with limited assets. My partner (57F) is working full-time with investment properties and shares - doing much better financially than me. We're looking to move in together soon, but I'm concerned about what this will do to my pension. Can you demystify this for me?"

Plus: Savvy Stay-at-Home Mum's credit card hack - Using interest-free periods with a redraw account to save $10K/year on a $200K mortgage. Does it actually work over 10 years?

If you like this Australian Retirement Podcast episode on CGT changes and pension relationship traps, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Rask Resources

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Timing your first adviser meeting, AustralianSuper outflows & First Guardian deal

Thu, 12 Feb 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with high energy - school drop-offs turning them into unpaid taxi drivers, interest rate movements affecting overseas travel plans, and whether term deposits are finally worth a look again.

The Boomer Briefing tackles two massive stories shaking up the super industry:

First Guardian & Netwealth finally came to a deal. After months of drama, the collapsed super fund scandal has reached resolution. Drew and James break down what happened and what it means for members.

AustralianSuper is experiencing competitive outflows as more members flee to platforms. Why? Access to advice, better retirement planning tools, and broader support beyond generic product offerings. The industry super dominance is being challenged by platforms offering personalized service. What does this mean for your super choice?

They also dive into what's happening with commodities - gold, silver, and crypto movements that captured headlines this week.

Then comes today's big question from Stephen Fry (not that one): A 54-year-old truck driver earning $150k with overtime, $420k in super, salary sacrificing $210/week. His wife is 50 with $60k super, sacrificing $100/week. They have $50k in personal loans and credit card debt clearing in 2 years. Both earn around $70k base salary.

Stephen knows he needs professional financial advice but it's not cheap. His critical question: How far out from retirement should he seek professional advice?

Drew and James deliver the brutal truth about timing your first adviser meeting - wait too long and you've missed critical opportunities. Move too early and you might waste money. They break down the sweet spot and what Stephen should do RIGHT NOW.

If you like this Australian Retirement Podcast episode on when to hire advisers and super fund strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Rask Resources

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CBA bet backfires, super fund anxiety & dodging $130k CGT

Thu, 05 Feb 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with Drew's CBA share price bet update. The bet backfired when CBA fell in 2025, costing Drew $150. But he's doubling down - the new bet is whether CBA will finish above or below $150. Will Drew learn his lesson?

The Boomer Briefing tackles a fascinating trend: Why are retirees checking their super balances more than their kids' wellbeing? New data reveals heightened anxiety among retired members, particularly in funds like UniSuper where engagement with retirees has spiked. Drew and James unpack what's driving this retirement anxiety and whether it's justified.

They also break down what balanced returns look like for calendar year 2025 and reveal the 2025 top super fund performers according to SuperRatings.

Then comes today's big question: How do you avoid or reduce paying a massive $130k capital gains tax bill when selling an investment property at or just before retirement? A 61-year-old listener with $800k in super, still working and planning to retire at 65, needs smart CGT strategies. Drew and James deliver practical solutions.

Plus, the Moooving Paramedic (the 41-year-old farming paramedic with 5 kids) asks whether he should switch from pre-tax to post-tax super contributions. Currently contributing 9% via salary sacrifice and looking to increase, he's worried about the 15% tax on payout. Should he diversify his contribution strategy now?

If you like this Australian Retirement Podcast episode on CGT planning and super strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- Drew's CBA bet backfires - Lost $150 as CBA share price fell in 2025, now doubling down on over/under $150

- Balanced fund returns for 2025 - What to expect from your super this year

- Retiree super anxiety - Why retirees are checking super more than their kids, - UniSuper engagement spike

- 2025 top super performers revealed - SuperRatings breakdown of best-performing funds

- How to avoid $130k CGT bill - Strategies for selling investment property at retirement (61yo, $800k super, retiring at 65)

- Pre-tax vs post-tax super contributions - Moooving Paramedic's dilemma: 41yo with 5 kids, 9% salary sacrifice, should he add post-tax?

Resources for this episode

Pension w Justin Bott (2)

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How to build multiple income streams in retirement

Thu, 29 Jan 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth break down the complete landscape of retirement income in Australia.

One of the most common questions financial advisers hear is: "Where will my income actually come from in retirement?" The answer isn't simple—and that's actually a good thing. The most successful retirees don't rely on a single income source; they strategically combine multiple streams to create flexibility, tax efficiency, and security.

Drew and James walk through the five main sources of retirement income: allocated pensions from your super, the Age Pension, investment income from shares and property, term deposits and savings accounts, and annuities. They explain how each works, the pros and cons of different strategies, and why having multiple income sources is crucial for managing risk and maintaining lifestyle throughout retirement.

They also tackle a big question: Is property really the right asset for retirement income? The answer might surprise you.

If you like this Australian Retirement Podcast episode on retirement income strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- Allocated Pensions: Converting your super into regular income

- Why starting an allocated pension is often a "no-brainer" decision

- Understanding minimum drawdown requirements and tax benefits

- The Age Pension: Why over 90% of retirees receive it

- Investment income: Shares, dividends, and franking credits

- Property income in retirement: Is it the right choice?

- Annuities explained: Guaranteed income with trade-offs

- Why combination is key: Asset allocation and opportunity cost

- The importance of liquidity in retirement

Resources for this episode

Centrelink AP

Back to basics ep 2

Pension w Justin Bott

Rask Resources

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How to diversify your super the right way

Thu, 22 Jan 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth explain the critical building blocks of a resilient retirement portfolio.

Whether you're just starting to think about retirement or already managing your super, understanding asset allocation is one of the most important investment concepts you'll ever learn. This isn't about picking the next hot stock or timing the market—it's about building a portfolio that can generate returns while managing risk over decades.

Drew and James break down what asset classes actually are, why diversification matters more in retirement than at any other life stage, and the practical tools you can use to implement a smart asset allocation strategy. They also explain Modern Portfolio Theory in plain English and show you how to think about combining different assets to maximise your potential returns while keeping volatility manageable.

If you like this Australian Retirement Podcast episode on asset allocation and diversification, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today: - What is an asset class and why does it matter? - Breaking down the major asset classes: Cash, Fixed Interest, Shares, Real Assets, and Alternatives - Understanding asset allocation and Modern Portfolio Theory - Why diversification is critical when you have a finite pool of capital in retirement - The tools available to implement your asset allocation strategy - How different assets perform in different market conditions - Building resilience through both growth and income assets

Resources for this episode

Rask Resources

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2026 stock game: Owen & Navarre's $100,000 stock game portfolio

Tue, 20 Jan 2026 04:30:00 -0000

The Rask 2026 stock market game is live - it's called Stock Genius. Available at stockgenius.com.au, in collaboration with Navexa, the Rask Stock Market is open for you to compete and enjoy with over 1,000 fellow investors.

In this episode, we cover:

- Is AI killing app investing in 2026?

- Are you a stock market genius? Play our game to find out

- How the game works

- Smart tracking for portfolios

- Owen and Navarre’s top picks

Resources for this episode Join the game: https://www.stockgenius.com.au/ Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 Rask resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: Instagram: https://www.instagram.com/rask.invest TikTok: https://www.tiktok.com/@rask.invest Disclaimer: The information contained in this podcast episode is strictly general in nature. It does not take into account your needs, goals or objectives. So do not act on the information until you have spoken to your financial adviser. The Rask Group Pty Ltd is a corporate authorised representative (No. 1313447) of Rask Licensing Pty Ltd (AFSL: 563 907). The information in our shows is general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) and Target Market Determination (TMD) before making a decision to acquire any financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms & Conditions and Financial Services Guide on rask.com.au/legal. The Stock Genius website is built and maintained by Navexa. It does not provide financial, legal or tax advice of any kind. The Rask Stock Market Game has been created purely for educational and entertainment purposes. It is not real money and should never be considered as a recommendation, "stock picking", or investment service. The purpose of the game is community, not recommendations for, or against, investments. Investing is risky and can result in permanent capital loss. The Rask Group Pty Ltd and Navexa do not endorse or recommend investments as part of the Stock Genius website, and make no warranty for the performance of portfolios.

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Super fund options explained: fees, control & flexibility

Thu, 15 Jan 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth continue their back-to-basics summer miniseries by tackling one of the most important decisions in retirement planning: which type of super fund is right for you?

While the super rules are the same for everyone, the differences between industry funds, SMSFs, platforms, and corporate funds can have a huge impact on your retirement outcome. Drew and James break down what really matters when comparing options: control over investments, transparency of holdings, fee structures, flexibility in strategies, and the ability to tailor your approach.

They also demystify the fee structures you'll encounter - from trustee and member fees to administration costs, investment fees (MER and ICR), and transaction costs. Understanding these differences is crucial whether you're starting out or considering a switch in your pre-retirement years.

If you like this Australian Retirement Podcast episode on super fund options, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- The four main types of super funds: Industry, SMSF, Platform, and Corporate

- Super rules are the same - so what really differs between funds?

- Control: How much say do you have over your investments?

- Transparency: Can you actually see what you own?

- Fee structures compared across different fund types

- Flexibility and the ability to tailor strategies to your situation

- Understanding the commoditization of super

- Breaking down ALL the fees: Trustee/member, admin/platform, investment fees (MER/ICR), and transaction costs

Resources for this episode - ASIC's MoneySmart Super Fund Comparison - ATO Self-Managed Super Funds - Watch our previous episodes on super contributions: [https://youtu.be/xE-Cnq9diQk] and [https://youtu.be/Dr6NcUw5Tvg] Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

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TikTok: @rask.invest

DISCLAIMER:

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):

- ATO Conditions of Release

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Super withdrawals explained: Preservation, pensions & tax

Thu, 08 Jan 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth continue their summer miniseries by tackling the complex world of getting money OUT of your super.

They break down the critical concepts of taxable vs tax-free components, preservation age, and the various conditions of release that allow you to access your super. Drew and James explain the difference between lump sum withdrawals and pension payments, and dive into the tax implications - including the infamous 20+ different tax rates that can apply to super (check out their dedicated video for the full breakdown).

They also cover the more sensitive topics of death benefits, invalidity payments, and compassionate release provisions including terminal medical conditions.

If you like this Australian Retirement Podcast episode on accessing your super, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- Understanding taxable vs tax-free components in your super

- What is preservation and when does it end?

- Conditions of release - when you can legally access your super

- Lump sum withdrawals vs pension payments - what's the difference?

- Tax implications of super withdrawals (and why there are 20+ different rates!)

- Death benefits and how super is distributed when you die

- Invalidity and compassionate release provisions

- Terminal medical condition payments - accessing super tax-free in your final months

Resources for this episode

- ATO Preservation Age

- ATO Death Benefits

- Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER:

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Back to basics: How to maximize your super contributions

Thu, 01 Jan 2026 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth kick off their summer miniseries by going back to basics on super contributions. They break down ALL the ways you can get money into super, including concessional contributions (employer, salary sacrifice, and personal deductible), non-concessional contributions, the downsizer scheme, and the often-overlooked CGT retirement exemption that could let you contribute up to $500,000 tax-free. Whether you're just starting out or want to maximize your final years before retirement, this episode gives you the complete playbook - plus one simple tip that could change everything: automate your contributions. If you like this Australian Retirement Podcast episode on super contributions, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Why bother contributing to super at all? - Concessional contributions explained: employer, salary sacrifice, and personal deductible - Understanding contribution caps and catch-up provisions - Non-concessional contributions and the bring-forward rule - Downsizer contributions - the $300,000 opportunity - CGT retirement exemption - up to $500,000 per person - The one automation tip that makes contributions effortless

Resources for this episode - ATO Concessional Contributions - ATO Non-Concessional Contributions - ATO Downsizer Contributions - Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER:

The 20 things every retiree should do – MyGov and carried forward contributions (Jan 2025)

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Best retirement moments of 2025 - Our top highlights

Thu, 25 Dec 2025 04:00:00 -0000

It's been an incredible year for the Australian Retirement Podcast! As we head into the Christmas break, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth look back at the biggest moments, most important lessons, and most-watched episodes of 2025.

From market volatility and ethical investing debates to government policy changes and real-world retirement strategies, this year has been packed with insights to help you navigate your retirement journey.

In this special highlights episode, Drew and James revisit:

Bec Wilson on planning for 30 years of retirement income (27 March)

Retiring early – maximising your peak saving years (31 October)

Inheritance shock and hidden taxes on estates (22 May)

Division 296 super tax changes – is your super tax going up in 2025?

Justin Bott from Services Australia on Age Pension strategies

Travel smart tips and the $20k portfolio impact (26 June)

The $1.2 billion super scandal breakdown (24 October)

Key lessons learned and what's coming in 2026

Whether you're new to the podcast or a long-time listener, this episode is the perfect way to catch up on the year's most important retirement lessons.

If you like this Australian Retirement Podcast Christmas special, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

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The Epic Retirement Tick - Assessing your retirement readiness

Thu, 18 Dec 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host Drew Meredith, from Wattle Partners, sits down with retirement expert and best-selling author Bec Wilson to explore the Epic Retirement Tick - a groundbreaking framework for assessing retirement readiness.

Bec, author of How to Have an Epic Retirement and Prime Time, founder of Epic Retirement and educator, shares insights from her latest initiative addressing a critical gap in Australia's retirement landscape. While we have excellent tools for accumulation, the transition to retirement often leaves Australians feeling uncertain about whether their super fund can truly deliver the retirement they've been promised.

The Epic Retirement Tick emerged from recognising this gap - a comprehensive assessment framework covering 18 key criteria that super funds should meet to be genuinely retirement-ready. From the purpose of the assessment to the products included, Bec explains how this differs from simply chasing low fees and top performance during accumulation phase.

Drew and Bec discuss the role of the Epic Retirement Institute, the partnership with Chant West in developing this assessment, and the surprising trends emerging in retirement products across Australia. They also touch on the Retirement Income Covenant introduced in 2022 and why progress has been disappointingly slow despite regulatory momentum.

If you're approaching retirement or already there, this episode offers invaluable insights into what your super fund should be doing to support you through this critical life transition.

Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- Introduction to the Epic Retirement Tick and why Bec created it

- The 18 key criteria for retirement-ready super funds

- How the Epic Retirement Tick differs from accumulation-focused assessments

- The role of Chant West and the Epic Retirement Institute

The Retirement Income Covenant (2022) and its slow implementation

- Trends in retirement products and what super funds need to do to get the "tick"

- What Australians approaching retirement should know about this framework

Resources for this episode

⁠Epic Retirement Tick information⁠

⁠Download Bec's Epic Retirement checklist⁠

Bec Wilson's books: Prime Time and How to Have an Epic Retirement

⁠Visit TermPlus to learn more⁠

Rask Resources

Instagram: ⁠@rask.invest⁠

TikTok: ⁠@rask.invest⁠

DISCLAIMER:

⁠https://www.rask.com.au/fsg

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Breaking down Australia's 20 superannuation tax rates

Thu, 11 Dec 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth tackle one of the most complex parts of Australian retirement planning: the superannuation tax system.

How many different tax rates apply to super? The answer might shock you - it's around 20 different rates, depending on your situation!

Drew and James break down every tax that can hit your superannuation at different stages:

– Contributing to super: From the standard 15% contributions tax to Division 293's extra 15% for high earners

– Growing your super: Investment earnings, capital gains, and the new Division 296 tax on balances above $3 million

– Accessing your super: The zero-rate sweet spot after 60, and the traps if you access it earlier

– Leaving super behind: Death benefit taxes that can hit your beneficiaries with rates up to 32%

Plus, in the opening banter, James shares stories from his Disney cruise weekend and the eye-watering cost of Oasis concert tickets. Are luxury holidays actually cheaper than camping these days?

If you like this Australian Retirement Podcast episode on super taxes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- The 20 different tax rates that can apply to your superannuation

- Contributions taxes: 15%, Division 293, and excess caps

- Earnings taxes: Accumulation vs pension phase

- Non-arm's length income (NALI) and the 45% trap

- Division 296: The new tax on super balances above $3M and $10M

- Strategies to minimise super taxes throughout your retirement journey

Resources for this episode

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER:

⁠Learn more about PIMCO’s outlook and strategies⁠

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The new monetary order, with PIMCO's Tony Crescenzi

Thu, 04 Dec 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask speaks with Tony Crescenzi, Executive Vice President and Market Strategist at PIMCO, to discuss:

– Why defensiveness is PIMCO’s current strategy

– The lessons from over four decades in markets

– The concept of a new global monetary order

– Where bonds fit for modern Australian investors

If you love learning about macro investing, fixed income or market strategy, subscribe to the Australian Retirement Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠!

Topics Covered

– Tony’s best non-financial investment & personal reflections

– What he looks at each morning to gauge markets

– Where this moment ranks in terms of global dislocation

– Insights from his books and what his next one might be

– Tariffs as a historic experiment & biggest market risks

– How he thinks central banks will respond next

– The “new global monetary order” and how it’s unfolding

– Revising the 10-year yield: what’s changed?

– How PIMCO expresses a defensive framework in portfolios

– Advice for Aussie investors with equity-heavy portfolios

– The future of the 60/40 portfolio model

– Why Crescenzi maintains optimism amid macro uncertainty

– AI’s potential impact on bond investors & PIMCO

– What gives Tony hope and perspective as a long-term investor

– What Tony would tell his younger self about markets and life

Resources for This Episode

⁠Tony Crescenzi at PIMCO⁠

⁠Visit TermPlus to learn more⁠

Rask Resources

Instagram: ⁠@rask.invest⁠

TikTok: ⁠@rask.invest⁠

DISCLAIMER:

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ATO trust crackdown & managing drawdowns in volatility

Thu, 27 Nov 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle a diverse range of retirement topics that matter right now. They kick off with market optimism - CBA is floating around $168, and the hosts ask the provocative question: What if everything goes right? What if Middle East tensions ease, Russia-Ukraine resolves, China stabilizes, and tariff wars end? They also discuss the potential impacts of Australian government policy changes on housing, negative gearing, superannuation, and land tax. The Boomer Briefing covers a crucial development: the ATO is ramping up its use of anti-avoidance laws to target professionals like lawyers, accountants, doctors, and tradies who are using family trusts to redirect income to spouses and children to minimize tax. With AI tools like ChatGPT potentially automating these strategies, the scrutiny is only increasing. Topics Covered Today: - Road tripping to Gippsland and Daylesford - The optimism scenario: What if everything goes right? - ATO crackdown on family trust tax avoidance - AI revolution - What happens when ChatGPT automates tax strategies? - What's happening with AI investments globally - should retirees be invested?

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER:

⁠Retirement Mastery Course⁠

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Making sense of retirement: Super & retirement myths, top tips and Rask’s Retirement Academy

Wed, 26 Nov 2025 04:00:00 -0000

This episode was originally featured on The Australian Finance Podcast.

In this episode of The Australian Retirement Podcast, Gemma Mitchell is joined by Tahli — educator, retirement specialist and long-time member of the Rask team.

After working with hundreds of Australians approaching retirement, Tahli has seen the same patterns over and over again. Most people feel unprepared. Many feel intimidated by the jargon. And almost everyone worries they’ve “left it too late”. This conversation cuts through the noise and gives listeners a clear, calm starting point for planning the next stage of life.

Together, Gemma and Tahli unpack what retirement really looks like in Australia, the biggest misconceptions, and the practical steps that matter most in your 50s and 60s.

In this episode, you’ll learn:

- Why so many people walk away from retirement chats feeling more confused than when they started

- How to map out your own personal balance sheet to work out where you stand

- Why lifestyle planning is just as important as the numbers

- What “asset rich, cash poor” means and why it catches so many retirees by surprise

- How Centrelink treats things like granny flat arrangements and family support

- The biggest myth about retirement planning and why relying on “it’ll sort itself out” can derail your goals

- What to focus on if you're five to ten years away from finishing full-time work

- How to engage with your super fund and what questions to ask right now

- Why diversification is about more than investment choices — and how different structures can create flexibility later in life

- Simple tools and exercises that help people get clarity, including the spreadsheet Tahli uses with her own clients

If you’re ready to understand how retirement works, feel more confident, and make the next decade easier to navigate, this episode is for you.

Resources for this episode

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

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The best opportunity in 20 years? PIMCO's Rob Mead on bond investing, timing & market conditions

Thu, 20 Nov 2025 04:00:00 -0000

In this Australian Investors Podcast episode your host, Owen Rask, chats with PIMCO portfolio manager Rob Mead on how fixed income / bond investing works, why timing matters and reasons to invest right now.

If you like ETF investing, bonds, passive income, managed funds, or the stock market in general, here's what you'll get:

- Rob's lessons from 20 years in bonds- Does timing matter?

- Why 95% of a bond's return is the starting point

- How to understand the 'yield curve' and maturities

- Does Rob think now is the best time to invest in 20 years?

- PIMCO's new EARN ETF and what it doesIf you like this Australian

Investors Podcast episode on ETF investing, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.This podcast is proudly sponsored by PIMCO.

Who is Rob Mead?

Robert Mead is a managing director in the PIMCO Sydney office and co-head of Asia-Pacific portfolio management. Previously, he was an executive vice president of the PIMCO Group, based between Munich and London. Prior to joining PIMCO in 2003, he was a managing director and head of European fixed income at Citigroup Asset Management based between London and New York.He has 36 years of investment experience and holds an undergraduate degree from University of Technology, Sydney, and a graduate diploma in applied finance and investments from the Securities Institute of Australia. Episode Resources - ⁠View PIMCO ETFs⁠ - ⁠Episode with PIMCO's Kanish Chugh on Active v Passive⁠ - ⁠PIMCO's Aaditya Thakur on Aussie bonds and what an FI manager actually does⁠ Ask a question (select the Retirement podcast)

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER:

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Why global REITs may be the most overlooked opportunity with Chris Bedingfield

Sun, 16 Nov 2025 23:00:00 -0000

In this Australian Investors Podcast episode, your host Owen Rask speaks with Chris Bedingfield of Quay Global Investors about:
– Why real estate is an inefficient market
– How replacement cost drives long-term property value
– Why global REITs offer diversification Australian REITs can’t
– Where today’s best opportunities lie across global property sectors
If you love learning about property, REITs, global markets and income investing, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube!
Follow us on Instagram and TikTok for more investing insights.
Topics Covered
– Why most investors use the wrong metrics to value real estate
– Global vs Australian REITs — major structural differences
– How Quay identifies companies trading below replacement cost
– Today’s biggest opportunities across housing, storage, senior living and more
– Final thoughts on cycles, risk, leverage and staying patient
Resources for this episode
Ask a question (select the Investors podcast)
Visit TermPlus to learn more

⁠Website⁠⁠

Youtube Event⁠⁠

Community Event Link⁠

Rask Resources

DISCLAIMER:

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Breaking down the Division 296 super tax changes

Thu, 13 Nov 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth discuss the significant changes to Australia's proposed Division 296 superannuation tax legislation. The government has made substantial amendments to the controversial super tax policy, addressing many of the concerns raised by financial advisers, industry groups, and retirees. The most significant change? The removal of tax on unrealised capital gains - a world-first proposal that would have set a dangerous precedent. Drew and James explain what the original proposal entailed, why it was problematic, and what the new changes mean for Australians with substantial superannuation balances. They also discuss the introduction of a new $10 million threshold, indexation of caps, and the delayed implementation timeline. Whether you're approaching retirement with a growing super balance or already retired and managing your wealth, this episode provides crucial insights into how these tax changes might affect your retirement planning strategy. If you like this Australian Retirement Podcast episode on the Division 296 changes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics Covered Today - What's happening with gold prices and should you be buying gold NOW - Division 296 Tax Explained: The original proposal and its problems - Breaking Changes: Removal of unrealised capital gains tax - Introduction of the $10 million threshold with 40% tax rate - Who will be affected: 90,000 at the $3m threshold, 8,000 at $10m - Outstanding issues with defined benefit pensions Resources for this episode - Ask a question (select the Retirement podcast) - Visit TermPlus to learn more

Rask Resources

Follow us on social media

Instagram: @rask.invest TikTok: @rask.invest

Instagram: @rask.invest

TikTok: @rask.invest

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David Gardner, 6 traits to beat the market, rule breakers & legacy

Thu, 06 Nov 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask sits down with David Gardner (co-founder of The Motley Fool and author of Rule Breaker Investing) to discuss:

– Beating the market vs indexing

– The “lose to win” philosophy and position sizing

– The six traits of rule-breaker companies

– Conscious capitalism, purpose and culture

If you love learning about growth investing and finding outliers, subscribe to the Australian Retirement Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠!

Topics Covered

– Beating the market: why David still believes individuals can outperform and why most don’t try

– Lose to win: accepting frequent small losses to capture rare, massive winners (Babe Ruth analogy)

– Six rule-breaker traits: top dog & first mover, sustainable edge, strong price action, leadership/backers, brand love, and “overvalued” narratives

– Final thoughts & how to learn more: AI’s role in research (not a reason to quit stock picking) and making portfolios reflect our best vision for our future

Resources for this episode

⁠Visit TermPlus to learn more⁠

Rask Resources

Instagram: ⁠@rask.invest⁠

TikTok: ⁠@rask.invest⁠

DISCLAIMER:

⁠https://www.rask.com.au/fsg

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Halloween Special: Finance horror stories from the frontlines

Thu, 30 Oct 2025 04:00:00 -0000

In this Australian Retirement Podcast Halloween special, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth share spine-chilling finance horror stories from their years as financial advisers. Happy Halloween! 🎃 While most people are worried about ghosts and ghouls, Drew and James reveal the truly terrifying mistakes they've witnessed in retirement planning. From presenting the wrong portfolios to clients, to $50K call option disasters, property agreements that went wrong, and investors switching to defensive at the market bottom - these real-world horror stories will make you think twice about your own financial decisions. They also tackle the Fed's rate cutting cycle and explain why interest rates are actually more volatile than share markets (spoiler: it's scarier than you think!). Topics covered today - Happy Halloween - it's time for finance horror stories! - The Fed's rate cutting cycle explained - Why interest rates are more volatile than share markets - James’ biggest retirement hauntings - Drew’s scariest retirement mistakes Resources for this episode - Ask a question (select the Retirement podcast)

Rask Resources

Follow us on social media

Instagram: @rask.invest TikTok: @rask.invest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

#retirement #australia

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$1.2 BILLION super scandal: Are your funds safe?

Thu, 23 Oct 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth expose one of Australia's biggest superannuation scandals and explain what it means for your retirement. With $1.2 billion locked up and nearly 12,000 investors affected, the Shield Master Fund (via Macquarie) and First Guardian (via Netwealth) collapses have sent shockwaves through the industry. Drew and James break down what happened, from aggressive 10-15% return promises and faulty Statements of Advice, to conflicted investment models and "industrial-scale" misconduct. They explain how 'lead generators' and dodgy financial advice referrals drove investments into associated entities and high-risk illiquid assets, why both funds are now frozen without enough money to repay investors, and what ASIC's investigation has uncovered. Plus, they answer a critical listener question: Should you diversify your super across multiple providers to stay within the $150,000 CSLR protection limit? If you like this Australian Retirement Podcast episode on protecting your super, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today - Log cabins in Bright/Taggerty - the retirement dream? - Understanding the Shield Master Fund collapse (Macquarie platform) - The First Guardian debacle (Netwealth platform) - Similar firms caught up: Venture Egg, United Global Capital - The difference between Shield and First Guardian (but similar problems) - Consumer Scheme Levy Relief (CSLR): $150k per person protection explained Resources for this episode - ASIC's Shield Master Fund investigation page - CSLR information - Ask a question (select the Retirement podcast)

Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question or give us feedback

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg #retirement #australia

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1st birthday special: Lessons, markets & your questions

Thu, 16 Oct 2025 04:00:00 -0000

It’s the Australian Retirement Podcast’s first birthday! Drew Meredith and James O’Reilly look back on a huge year of markets, headlines, and retirement conversations — from Div 296 and global tariffs to the AI investment boom, Japan ending negative rates, and what the return of Trump could mean for investors.

They also answer your most-asked retirement questions: how age gaps affect Age Pension eligibility, what late starters can do to catch up on super, and whether to invest inside or outside super after paying off the home early.

Whether you’re 45 or 65, this episode is packed with practical lessons from 60 episodes, 170K listeners and a year of helping Australians retire with confidence.

In this episode we cover:

– One year of ARP: 60 episodes, 170K listens, 200K YouTube views and what we’ve learned

– Market wrap: Div 296, tariffs, AI boom, Japan and Trump’s return yet returns remained robust

– How age gaps affect Age Pension eligibility

– Catch-up strategies for late starters with low super

– Super vs non-super investing after paying off the home

Resources for this episode

⁠⁠- Connect with Ben and Bryce⁠⁠ - ⁠⁠Buy their book⁠⁠ - ⁠⁠Buy Gemma’s book “The Money Reset”⁠⁠ - ⁠⁠Ask a question (select the Finance podcast)⁠⁠

Rask Resources

Instagram: @rask.invest

TikTok: @rask.invest

DISCLAIMER:

Learn more about your ad choices. Visit megaphone.fm/adchoices

How to retire on $3,000 per week - the property playbook

Mon, 13 Oct 2025 04:00:00 -0000

In this episode, host Gemma Mitchell is joined by Ben Kingsley, one of Australia’s leading property investment advisers, founder of Empower Wealth, and Chair of the Property Investors Council of Australia (PICA). Ben, along with his long-time business partner Bryce Holdaway, has just released their third book, How to Retire on $3,000 a Week. Together, Ben and Bryce have built a reputation for simplifying property investing for everyday Australians. They’re also the co-authors of best-selling titles Make Money Simple Again and The Armchair Guide to Property Investing. While Bryce couldn’t join us today, Ben shares insights from their latest work and decades of experience helping investors grow wealth through property. Episode Resources

⁠⁠⁠Rask resources

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. ⁠⁠Access The Rask Group's Financial Services Guide (FSG)⁠⁠

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Bec Wilson & why retirement isn’t the end goal

Thu, 09 Oct 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, Drew Meredith from Wattle Partners sits down with best-selling author Bec Wilson to talk about her new book Prime Time, why she wrote it, and the 27 lessons for living well in life’s next stage. They also cover how to think about super funds in retirement, the return of the “tick” test, and why lifestyle planning matters just as much as financial planning for those thinking about retirement.

Topics covered today:

– Prime Time – what it is, and how it differs from Epic Retirement

– The 27 lessons for navigating this stage of life

– Surprising mistakes people make stepping into retirement

– The three phases of the transition to retirement

– Lifestyle and social guidance vs. financial guidance

– Key resources that can set you on the course to making your retirement the best

– Why the best time to start is now

Resources for this episode

Bec’s resources

Bec’s new book

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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Bank hybrids are dead: here's where to invest next

Mon, 06 Oct 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask sits down with Kanish Chugh (from PIMCO) to discuss: - The hybrid securities market and why APRA is phasing out bank hybrids – What income investors (especially retirees) should consider in 2025 – The outlook for fixed income, bonds and private credit as interest rates fall – PIMCO’s research-backed strategy for income investors post-hybrids Topics Covered – What are hybrid securities and why APRA is shutting them down by 2032 – What this means for income-focused investors and superannuation strategies – How hybrids work compared to bonds and floating rate securities – The impact of falling interest rates on income investments – PIMCO’s research into 38 hybrids and how it’s building portfolios to match risk-return – Portfolio construction: replacing hybrids with bonds, credit and active income strategies – How to evaluate ETF yields and how PIMCO builds diversified fixed income portfolios – Final thoughts on risk, private credit, and doing your research ~~ Episode Resources ~~ – ⁠PIMCO hybrid analysis⁠ – ⁠Libby Cantrill⁠

– ⁠Visit TermPlus to learn more⁠

~~ Rask Resources ~~⁠

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) ⁠here⁠.

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From estates to guarantors: Helping the next generation

Thu, 02 Oct 2025 05:00:00 -0000

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly unpack the rise of the Bank of Mum and Dad and the tough decisions facing parents who want to help their kids buy a home. Should you gift cash, go guarantor, or use other strategies? They explore the risks and rewards of each approach, how guarantor loans work, and what it means for your retirement and estate plans. Plus, they cover key retirement questions, including how to get tax back before starting an allocated pension and the basics of how estates work.

Whether you’re planning to help the next generation or protecting your own financial future, this episode is packed with practical insights.

In this episode we cover:

– Are more tax changes on the cards from the Productivity Commission?

– The pros and cons of gifting cash vs. going guarantor

– How guarantor loans work, including the role of LVR (loan-to-value ratio)

– The family, financial, and estate planning considerations when helping the next generation

– Do this before you switch on your pension

Resources for this episode

- ⁠Visit TermPlus to learn more⁠

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

We love feedback! https://raskau.typeform.com/to/ZbfHy6IP

– Instagram: @rask.invest

– TikTok: @rask.invest

DISCLAIMER:

https://www.rask.com.au/fsg

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What do bond fund managers actually do? With Aaditya Thakur from PIMCO

Mon, 29 Sep 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask sits down with Aaditya Thakur (PIMCO) to discuss: – What a bond fund manager actually does – The role of macroeconomic forecasting in fixed income – PIMCO’s multi-layered investment process – Why bonds still matter for investors in 2025 ~~Topics Covered~~ – What a bond portfolio manager actually does day to day – Top-down vs. bottom-up bond analysis – How PIMCO runs global investment strategy sessions – Why bonds offer diversification and income for Aussie investors ~~Resources for This Episode~~

- Pimco Australian bond fund

- Pimco ETFs

~~ Rask Resources ~~ 🔗 ⁠Explore all Rask services⁠ 📋 ⁠Get Financial Planning⁠ 📈 ⁠Start investing with Rask⁠ 📜 ⁠Access Show Notes⁠ ❓ ⁠Ask a question⁠ – just select the Retirement Podcast 📲 Follow us on social media: – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) ⁠here⁠.

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Age Pension Changes, Dixon Collapse and Choosing an Adviser

Thu, 25 Sep 2025 05:00:00 -0000

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly break down the latest retirement news and what it means for you. They discuss upcoming Age Pension changes, including updates to deeming rules and payment increases, and how these may affect retirees’ cash flow and eligibility.

The conversation also tackles the fallout from the collapse of Dixon Advisory, what it says about conflicts of interest in financial advice, and the cancellation of the government’s inquiry into the failed business. Finally, Drew and James share their views on what to watch for when selecting an adviser — from marketing tactics and “low-cost” options to ensuring you’re getting real value and trusted guidance.

Topics covered today:

Age Pension changes: deeming rules and payment increases
What the Dixon collapse means for retirees and advisers
The cancelled government inquiry into advice
Choosing the right adviser: marketing, cost and quality

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Age Pension updates https://www.servicesaustralia.gov.au/how-much-age-pension-you-can-get?context=22526

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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How to boost your Age Pension: top Centrelink strategies

Mon, 22 Sep 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your co-host James O'Reilly, from Northeast Wealth, talks again with Centrelink guru, Justin Bott from Services Australia. Together they cover the clever steps that can mean a heap more Age Pension, as well as the critical mistakes that Aussies make which reduce - and sometimes completely eliminate - their entitlement. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today - Using ‘exempt assets’ to boost your Age Pension payment - Declaring super balances in downturns - Is it worth chasing the Health Care Card? - Advanced strategies for Gifting money - Using the Work bonus to earn more money without impacting your entitlement - Valuing your home contents / cars correctly - Declaring changes at the right frequency - How relationship changes can decimate your Pension Resources for this episode - Visit TermPlus to learn more - Learn more about PIMCO - Services Australia website - Financial Information Service - When a self-funded retirement seems impossible - Redbook car valuation tool - Ask a question (select the Retirement podcast)

Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

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Age Pension - eligibility, applications, exemptions and gifting

Thu, 18 Sep 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your co-host James O'Reilly, from Northeast Wealth, talks with Centrelink guru, Justin Bott from Services Australia. Together they tackle the complex realm that is Age Pension, and outline ways that you can get the highest benefit possible. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. ~~Topics covered today~~ - How does the Age Pension work? - Understanding the Income and Assets test - How does Centrelink know your financial situation? - Breaking down the Family Home Exemption - Gifting money without getting caught out ~~ Resources for this episode ~~ - Visit TermPlus to learn more

- Learn more about PIMCO - Services Australia website - Financial Information Service - Ask a question (select the Retirement podcast)

~~ Rask Resources ~~ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

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Do you need financial advice + AustralianSuper performance analysis

Thu, 11 Sep 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth debate whether everyone needs financial advice, tackle catch-up concessional contributions strategies, and compare AustralianSuper's performance against industry fund peers. Plus, Oasis vs Disney cruise decisions and learning to say 'no'!

Topics covered today:

- Oasis concert vs Disney cruise decisions and not asking for the bill before the end

- Is CBA overvalued?

- Boomer Briefing: Do you actually need financial advice? (47 and 53-year-old case study)

-Direction, strategy, and accountability - when advice becomes about optimization

- AustralianSuper 'Balanced' fund performance over 3-5 years vs industry peers

- To switch or not to switch: fund suitability, control, and transparency

Resources for this episode

- This interesting article we talked about: www.link.com.au

- Ask a question (select the Retirement podcast): ⁠https://bit.ly/R-quest⁠

Rask Resources

All services: ⁠https://bit.ly/R-services⁠

Financial Planning: ⁠https://bit.ly/R-plan⁠

Invest with us: ⁠https://bit.ly/R-invest⁠

Access Show Notes: ⁠https://bit.ly/R-notes⁠

Ask a question: ⁠https://bit.ly/R-quest⁠

DISCLAIMER:

#retirement #australia

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Super scams & secret fees: First guardian case + cost analysis

Thu, 04 Sep 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth tackle a heartbreaking listener story about potentially losing $94,000 in the First Guardian collapse. Plus, the Boomer Briefing on transaction fees, platform strategies, and knowing when to quit competitive sport! HINT - the time is now

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- When is it time to quit competitive sport?

- Boomer Briefing: Keep an eye on transaction fees (but don't just focus on fees)

- Why use a platform? Quarterly reviews, rollovers and deployment strategies

- Today's big question: First Guardian super scam - listener loses $94K from $134K balance

- Understanding greed-based scams and warning signs

- AFCA complaints process and Consumer Scheme Levy Relief (CSLR)

Resources for this episode

- Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

DISCLAIMER:

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The money reset you need before you retire

Thu, 28 Aug 2025 05:00:00 -0000

In this episode of the Australian Retirement Podcast, James O'Reilly, from Northeast Wealth is joined by RASK Superstar Gemma Mitchell- co-host on the Australian Finance Podcast, financial adviser and now author of the Money Reset.

Retirement is one of the biggest money resets Aussies will face – and in this episode, Gemma and James show how life’s disruptions can become powerful turning points when handled with intention. They break down why mindset matters just as much as the money moves, and share stories, strategies and real-world examples to help you step into retirement with clarity and confidence.

Topics covered today:

- Why retirement is the ultimate money reset for Australians

- Defining and adjusting your non-negotiables in retirement

- The “sleep at night test” and making decisions you can live with

- Why financial flexibility trumps financial freedom

- The importance of “Try before you buy” for big purchases and life changes

- Plus James and Gemma share lots of great tips and tricks to help you get ready for retirement.

If you enjoy this conversation on retirement and money resets, make sure to subscribe to the series on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

- Vote for James in the FS Power50 – show your support here

- Buy Gemma’s book “The Money Reset”

- Ask a question (select the Retirement podcast)

Rask Resources - these are included by default

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Why active fixed income may beat passive: Kanish Chugh (PIMCO) [Part 1/2]

Mon, 25 Aug 2025 05:00:00 -0000

This episode was originally featured on the Australian Investors Podcast.

Your hosts Owen Rask and Kanish Chugh from PIMCO discuss part 1/2 on active income vs passive income:

– Why passive bond ETFs may underperform in volatile markets

– What active fixed income managers do differently

– How PIMCO builds its bond portfolios and manages risk

– Why Aussie investors are shifting towards active fixed income strategies

If you love learning about fixed income, bonds and investing strategies, subscribe to the Australian Investors Podcast on ⁠**Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠!**

– The flaws in fixed income indices and why passive may be suboptimal

– PIMCO’s approach to security selection and credit analysis

– SPIVA data showing active outperformance in fixed income

– How active bond funds manage risk, duration and credit exposure

– Why Aussie investors should look beyond passive bond ETFs

– How to evaluate a fixed income fund manager

📄 Learn more about fixed income strategies:

– Check out PIMCO's bond ETF PAUS:

⁠https://www.pimco.com/au/en/investments/etf/pimco-australian-bond-fund/ausetf-aud⁠

– See PIMCO's Global Bond Fund:

⁠https://www.pimco.com/au/en/investments/managed-fund/pimco-global-bond-fund/wholesale-aud⁠

– Find PIMCO's Income Fund:

⁠https://www.pimco.com/au/en/investments/managed-fund/pimco-income-fund/wholesale-aud⁠

– Learn with our FREE Value Investor Program:

⁠https://education.rask.com.au/cart/?add-to-cart=44163⁠

~~ Rask Resources ~~

🔗 Explore all Rask services – ⁠https://bit.ly/R-services⁠

📋 Get Financial Planning – ⁠https://bit.ly/R-plan⁠

📈 Start investing with Rask – ⁠https://bit.ly/R-invest⁠

📜 Access Show Notes – ⁠https://bit.ly/R-notes⁠

❓ Ask a question – just select the Investor Podcast – ⁠https://bit.ly/R-quest⁠

📲 Follow us on social media:

– Instagram: ⁠@rask.invest⁠

– TikTok: ⁠@rask.invest⁠

This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it.

If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: ⁠https://www.rask.com.au/fsg⁠.

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Death & taxes: What happens to your family trust when you die? (+ NVIDIA $4T!)

Thu, 21 Aug 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth discuss investing through bucket companies, estate planning with complex entity structures, and answer listener questions about investment bonds vs company investing for children's education and offset account strategies in retirement!

Chapters (approximate)

(00:00) Introduction

(03:01) James' Interesting Shirt

(05:20) NVIDIA's Huge Valuation

(10:27) Investing in Bucket Companies

(20:01) Complexity of Estate Planning

(23:06) Investment Bond vs Company Investment

(27:23) Offset Account for an Emergency Fund

Topics covered today:

– Investing in bucket companies (Pty Ltd) - tax benefits, drawbacks, and alternative investment structures

– Planning for death with complex entity structures - how family trusts and Pty Ltd companies work on death

– Superannuation distribution on death - how super is paid out and managed

– Getting the next generation involved in wealth planning and family structures

– The role of an adviser in helping navigate complex estate planning with multiple entities

– Offset account strategy in retirement and two different views on offset accounts

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

#retirement #australia

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How important is money when it comes to retirement happiness?

Thu, 14 Aug 2025 05:00:00 -0000

In this episode, James O’Reilly sits with Challenger’s Chief Executive, Mandy Manniz, to discuss the findings of Australia’s biggest study on happiness for people aged over 60. They talk about the surprising findings and how you can get more certainty to achieve a better - and happier - retirement.

This is a must-listen for any pre-retiree or retiree wanting to get the most from the money and their lives.

Chapters (approximate)

(00:00) Introduction

(5:16) Happiness Index Overview

(10:50) Super Balances

(14:49) Financial Education

(19:56) Mandy's Customer Overpaid?

(23:23) Die With Zero

(27:42) Mental Health, Having Purpose & Social Connections

(31:38) The Importance of Physical Health

(34:50) Anxiety About Retirement Savings

(36:44) Mindset that Improve

Topics covered today:

– Why Challenger commissioned this study

– How happy are Aussies over Age 60?

– What are the major drivers of happiness for pre-retirees and retirees (hint: it’s not money!)?

– Why are women often left behind in this area – and what can they do about it?

– Why financial confidence is so tightly linked to overall happiness in retirement

Resources for this episode

– Challenger’s Happiness Index

– Ask a question (select the Retirement podcast)

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Super splitting, don’t mention crypto, retirement forecasts

Thu, 07 Aug 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including using super splitting rules to boost your wealth, why most advisors don’t help with crypto, and how to make accurate retirement forecasts.

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- EOFY madness

- Grandparents helping out (thanks everyone!)

- Super splitting strategies to build wealth

- The unhealthy tension between financial advice and crypto

- How spending changes in retirement, and how to model it

Resources for this episode

– ASFA’s Retirement Standard

– Ask a question (select the Retirement podcast)

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Managing expensive insurance cover, why long-term thinking always wins, making sure kids pay no tax on your super death benefit

Thu, 31 Jul 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including the CBA share price, why pre-retirees still need to think long-term, how to deal with crazy insurance premiums, and how the cashout-and-recontribution strategy can help your kids pay a truckload less tax.

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- James throws in the towel

- Drew presents AI to his team

- Pre-retirees not thinking long-term

- What’s the point of insurance when you’re close to retirement?

- The cashout and recontribution strategy explained

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Should I give my money to the kids? Where are we at with the $3M super tax?

Thu, 24 Jul 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including when to get EOFY financial advice, how to avoid gifting too much money in retirement, and whether one listener can get a tax refund from AustralianSuper.

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

– Timeframes to get financial advice

– ASIC review of industry funds / private markets

– Where are we situated with Div296?

– How retirees can avoid the trap of excessive gifting

– AustralianSuper’s ability to obtain a tax deduction for previous years’ tax

Resources for this episode

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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EOFY mistakes, how to build (and review) your investment philosophy, saying ‘No’ to ideal clients

Thu, 17 Jul 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including the need to keep reviewing your investment philosophy, how to avoid the mistakes in 2025, and why James said ‘No’ to an ideal client.

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- Golf

- Investment philosophies

- Lodging NOITC forms

- Managing salary sacrifice payments

- Utilising carry-forward concessional caps

- Taking the right pension payments

- Having correct valuations for unlisted assets

- When to have your ITR completed

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Optimising Debt for Retirement: Strategies That Work

Thu, 10 Jul 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, James O’Reilly sits down with Chris Bates, co-host of the Australian Property Podcast and strategic mortgage broker, to discuss how debt plays a role in retirement planning.

They explore:

– What makes debt “good” or “bad” as you approach retirement

– When to pay down your mortgage vs boost your super

– Using equity smartly to build retirement wealth

– Common pitfalls with property in SMSFs

– How retirees can use debt to stay flexible and avoid panic selling

– What makes a great mortgage broker and how to keep banks honest

If you’re heading toward retirement or just want smarter debt strategies, this one’s for you.

Subscribe for weekly shows on Apple, Spotify, YouTube, or your favourite podcast app.

Topics Covered

– Understanding Good vs Bad Debt in Pre-Retirement

– When Investment Property Debt is a Mistake

– Downsizing Decisions: Beware of Upgrading Instead

– Debt as a Lever to Boost Retirement Outcomes

– How to Structure Loans Pre-Retirement

– When Retirees Should Hold (Not Pay Off) Debt

– Property in SMSFs: The Hidden Risks

– Super vs Mortgage: Where Should Extra Money Go?

– Avoiding the Loyalty Tax from Lenders

– How to Choose a Mortgage Broker That Works For You

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Estate Planning, Property Development and CGT

Thu, 03 Jul 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including Underquoting, Property Development in retirement, CGT on your holiday home and reviewing your Estate Planning.

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

– Drew’s staircase mishap

– James caught off guard by an underquoting Real Estate agent

– Property Development in Retirement (and should you?)

– Understanding CGT for the sale of a holiday home

– How to finalise and review your Wills and Power of Attorney

Chapters

– Introduction

– Drew's Recent Fall

– James' Underquoting Auction Experience

– A Client's (Almost) Mistake

– Selling a Holiday Home

– Powers of Attorney – Estate Planning

Resources for this episode

- Ask a question (select the Retirement podcast)

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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Don’t delay travel in retirement - here’s why

Thu, 26 Jun 2025 05:00:00 -0000

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly dive into one of the biggest goals for retirees — travel. From road-tripping around Australia to extended overseas holidays, they discuss how to budget for travel, how to keep costs under control, and why more retirees are choosing to bring their big trips forward rather than wait.

They unpack the 33% jump in travel costs over the past five years, strategies for saving money without sacrificing the experience, and how the 1/15th Rule can help you figure out exactly how much you can afford to spend without risking your retirement security.

Whether you're planning caravans or cruises, house-sits or hotels, this episode is packed with realistic guidance and expert insight.

Topics covered

– Why travel is such a powerful goal in retirement

– The 33% rise in travel costs vs. general inflation

– Tips to travel smart: shoulder seasons, Airbnbs, longer stays

– What $20k/year on travel really means for your portfolio (hint: $300k)

– The 1/15th Rule: a guide to sustainable spending

– Some real world case studies of the impact of front loading travel

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

https://www.rask.com.au/fsg#retirement #australia

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Retirement portfolios are changing, are you ready?

Tue, 24 Jun 2025 05:47:00 -0000

Over 90% of global companies are private. Are your retirement investments keeping up? Christian Ryan of Fincap joins the Australian Retirement Podcast to break down why alternative assets like private equity, credit, and real estate matter more than ever.

If you like this Australian Retirement Podcast episode on diversifying your retirement savings, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- An introduction to Christian, and defining what an alternative asset is

- Why alternatives matter more than ever

- Answering the most common questions about alternatives

- How alternatives have improved retirement outcomes

- Why private equity is all about growth, but not at all costs

Resources for this episode

- Christian’s business

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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Retirement needs growth: Small caps & smarter investing

Thu, 12 Jun 2025 05:00:00 -0000

Does growth still matter in retirement? In this episode of the Australian Retirement Podcast, Drew Meredith and Luke Laretive (Seneca Financial Solutions) explore why retirees can’t ignore growth assets, the role of small-cap stocks, and how to balance risk and income as you age. We cover inflation, the pitfalls of term deposits, and why small companies might just be your retirement secret weapon.

If you like this Australian Retirement Podcast episode on investing for growth in retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

– Why growth is often overlooked in retirement — and why that’s a mistake

– The risk of sticking too conservatively with term deposits and cash

– How to balance growth and income effectively as retirees age

– The risks and rewards of investing in smaller companies

– Real-world lessons: success stories and cautionary tales

Resources for this episode

– More information on the Seneca Small Companies Fund

– Follow Luke on LinkedIn

– Sign up for Luke’s free newsletter

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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How downsizing could boost your super

Thu, 05 Jun 2025 05:00:00 -0000

Is now the right time to downsize?

In this episode, Drew Meredith and James O’Reilly explore the reality of selling the family home in retirement. They walk through what it means emotionally, how it works practically, and the financial considerations that often get missed — including stamp duty, commissions, and unexpected renovation savings.

They also explain the downsizer contribution, a powerful super strategy that allows eligible Australians over 55 to contribute up to $300,000 each from the sale of their home into super, without breaching the usual caps.

From empty nests and rising stairs to lifestyle change and income planning, this is a must-listen for any retiree or pre-retiree thinking about their next move.

Topics covered today

- How downsizing actually works — and what it could mean for your lifestyle

-Why some retirees are upsizing instead (and what that means financially)

- Emotional and social factors — are you ready to leave your community?

- Should you renovate instead? What market conditions mean for timing your sale

- The downsizer super contribution: up to $300k per person, how it works, and the eligibility rules

Resources for this episode

Ask a question (select the Retirement podcast)

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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Navigating the complexities of Aged Care for you or a parent

Thu, 29 May 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth speaks with fellow advisor Nathan Fradley, to discuss how you can navigate the complexities of Aged Care to keep costs to a minimum.

If you like this Australian Retirement Podcast episode on Navigating Aged Care, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

- An introduction to Nathan

- What services does Aged Care include (think Home Care / Respite / Residential)?

- What Government Support is available, and what do you have to pay?

- How should people create an Aged Care Plan for themselves or parents?

- What should people be doing right now to prepare?

Resources for this episode

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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Are you ready for an inheritance shock?

Thu, 22 May 2025 05:00:00 -0000

Inheritances can be life-changing — or a financial disaster without the right planning. Drew Meredith and James O’Reilly unpack how inheritances work in Australia, why the fear of death taxes is rising, and the steps you can take now to protect your legacy.

If you liked this Australian Retirement Podcast episode on estate planning and protecting family wealth, subscribe for weekly episodes on Apple, Spotify, YouTube, or wherever you get your podcasts.

Topics covered today:

How inheritances actually work in Australia today
Why estate vs non-estate assets matter
The hidden taxes on inheritances (including CGT traps)
Why record-keeping is crucial to protecting family wealth
Using trusts, wills, and structures to streamline inheritances

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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EOFY super strategies: What’s changing and what isn’t

Mon, 19 May 2025 05:00:00 -0000

Welcome to a bonus episode of the Australian Retirement Podcast, hosted by Drew Meredith and James O’Reilly.

With the end of financial year fast approaching, confusion is everywhere — and not all of it is real. In this special update, we unpack the actual superannuation changes coming from 1 July 2025, and debunk a fake announcement that’s been spreading misinformation about a June 1 start date.

If you like this Australian Retirement Podcast episode on boosting your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

What’s actually changing from 1 July 2025
Why a fake June 1 announcement went viral
What retirees and pre-retirees need to do before 30 June
Key contribution strategies and pension reminders
The smart (and simple) moves to make this EOFY count

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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5 retirement money mistakes

Thu, 15 May 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask is joined by Tahli Cavagnino, Senior Financial Advisor from the Rask Advice team.

Retirement isn’t just about having enough money — it’s about making the right decisions with the money you’ve worked hard to save. But even the most financially prepared Australians can fall into subtle psychological traps that quietly derail their long-term security.

In this episode of the Australian Retirement Podcast, Owen and Tahli take you through five behavioural mistakes that many retirees make — often without even realising it. These aren’t dry textbook errors or investment jargon. They’re real, everyday habits and mindsets that can cost you thousands, shake your confidence, and limit the lifestyle you hoped to enjoy in retirement.

If you like this Australian Retirement Podcast episode on behavioural mistakes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

An introduction to Tahli
How and why she came into Advice
What does a typical day look like for a Rask Advisor
Why behavioural finance matters
Why being too conservative with your money might actually increase your risk of running out
The dangers of trying to “catch up” by taking on too much investment risk
How emotional decisions during market downturns can lead to locking in permanent losses
Why pride or confusion can keep you from claiming government entitlements you’re legally entitled to
The surprising ways people underestimate how long they’ll live — and how much they'll need

Resources for this episode

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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How to make your money matter

Thu, 08 May 2025 05:00:00 -0000

Discover why giving money away can be the most rewarding part of retirement. In this episode of the Australian Retirement Podcast, Chris Cuffe shares expert insights on philanthropy, legacy planning, and how retirees can make a lasting impact. Learn smart strategies for giving, the benefits of private ancillary funds, and how to leave a meaningful legacy. Don’t miss this powerful conversation on wealth, purpose, and generosity!

Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

The state of retirement in Australia
Barriers to giving and how to overcome them
Private ancillary funds - what are they and how they work
Australian Philantropic Services and the giving sector
Leaving a legacy and the Third Link Growth Fund

Resources for this episode

https://www.australianphilanthropicservices.com.au/
https://www.thirdlink.com.au/

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Navigating rapidly rising personal insurance premiums

Thu, 01 May 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth, cover the best ways to stay on top of your insurance premiums.

If you like this Australian Retirement Podcast episode on reducing your insurance premiums, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

The different types of personal insurance
The enormous difference in premiums between policies
The massive lifelong cost of retaining personal insurance cover
The questions you need to ask to keep your insurance costs down
How to use super to pay your insurance premiums
Why having a good advice relationship can save you thousands (or tens of thousands!) in insurance premiums throughout your lifetime

Resources for this episode

Ask a question (select the Retirement podcast)

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

#retirement #australia

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Drew and James answering your hardest retirement q’s

Thu, 24 Apr 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth discuss when to downsize, tracking dollar cost averaging with Aust Super, and whether it’s still worth it to be minimising tax with an income of $45K (hint - it is!).

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

Managing high insurance premiums as a pre-retiree
When is the best time to downsize my home?
How can I save more tax on a low income?
Fears of being scammed seeking financial advice
When to sell a property

Resources for this episode

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

Learn more about your ad choices. Visit megaphone.fm/adchoices

Will your money last? The truth about retirement spending?

Thu, 17 Apr 2025 05:00:00 -0000

How does your spending really change in retirement? In this episode of the Australian Retirement Podcast, featuring financial adviser, Jamie Nemtsas, we break down the three key phases of retirement spending—Golden, Silver, and Legacy years. Learn how to plan, budget, and make your money last!

If you like this Australian Retirement Podcast episode on spending in retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

Do retirees spend consistently in retirement?
The three phases of retirement spending
Biggest contributors to spending changes in retirement
Investable versus lifestyle assets
A $2m retirement income case study

Resources for this episode

https://www.thegoldentimes.com.au/
Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Surviving (and profiting from) market freefalls

Wed, 09 Apr 2025 05:00:00 -0000

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth talks about how you can optimally manage your falling portfolio balance, outlines who needs to panic (hint - it’s less of you than you think!) and provides clear guidance on the actions needed for those in or near retirement.

If you like this Australian Retirement Podcast episode on Surviving (and profiting from) market freefalls, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

How you can minimise risk during a downturn
How you can profit from a downturn
The investors that MUST take action, and those who don’t
Should I be adjusting my Allocated Pension payments?

Resources for this episode

Neuberger Berman: Four Things to Remember in a Market Downturn (https://www.nb.com/handlers/documents.ashx?id=5bfc044b-b138-447b-851f-689eafa9ac6e)
Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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🚨 ASX meltdown? How to protect yourself and your portfolio [SPECIAL]

Mon, 07 Apr 2025 05:06:00 -0000

The ASX 200 (ASX: XJO) price is crashing down 6.5%. Commonwealth Bank of Australia (ASX:CBA) share price is down 7.7%. BHP Group Ltd (ASX: BHP) share price is down 8%.

VIDEO VERSION: https://youtube.com/live/SBxxCavI2Lo

ASX 200 investors, what should you do in a market crash?!

If you're watching the ASX 200 sell-off in fear, rest assured - at 12 noon today (MEL/SYD time), Chief Investment Officer Owen Rask will break down his 5-part market crash investing checklist.

✨ Resources ✨

Rask Invest portfolio: https://www.rask.com.au/rask-invest

Join our community: https://community.rask.com.au

Get financial advice: https://www.rask.com.au/advice

Special guest Claude Walker:

https://arichlife.com.au/

All information in this podcast is strictly general in nature. It is not personal financial advice as it does not take into account your needs, goals or objectives. So don’t act on it before speaking with your financial planner. Owen Raszkiewicz can be verified on asic.gov.au. He is the ultimate holder of AFSL 563907 and you can read Rask's Financial Services Guide at www.rask.com.au/fsg Investing can be risky and result in permanent capital loss.

#investing #asx200

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PIMCO’s Mark Kiesel: Why This Is a Rare Moment for Bond Investors

Thu, 03 Apr 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host Mitchell Sneddon sits down with Mark Kiesel, PIMCO’s Chief Investment Officer of Global Credit. Together, they discuss:

Why now could be a generational opportunity for bond investors
Mark’s outlook on inflation, interest rates and the global economy
PIMCO’s $2 trillion advantage and how it creates alpha in credit markets
What airlines and housing trends are saying about the next economic slowdown

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, or YouTube!

Topics Covered

Mark’s visit to Australia and on-the-ground insights
How PIMCO’s massive scale drives bond market advantage
His famous 2006 call to sell his home pre-GFC
Why inflation is likely to fall and bond markets may rally
The “slimming down” theory and macroeconomic signals
What airlines, autos and housing are telling us about sentiment
Mark’s contrarian outlook and long-term investing mindset

Resources for This Episode

📄 Learn More About Bond Investing & PIMCO’s Views:

~~ Rask Resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

DISCLAIMER

##retirement #australia #Bonds #PIMCO #MarkKiesel

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What the latest super changes mean for your retirement

Thu, 27 Mar 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host Drew Meredith, from Wattle Partners, welcomes Bec Wilson from Epic Retirement to discuss the latest government proposals about YOUR retirement income. We also get into why you may need to be planning for a longer retirement than you think

Topics covered today:

How long you should expect to live in retirement
Why you need to be planning for at least 3o tears of income
Unpacking the latest round of government retirement proposals
The importance of flexibility and personal choice in retriement
How to make your super work for you

Resources for this episode

Bec Wilson website https://www.epicretirement.net/
Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

Learn more about your ad choices. Visit megaphone.fm/adchoices

Building Better Portfolios with Fixed Income & ETFs – PIMCO’s Kanish Chugh

Thu, 20 Mar 2025 04:00:00 -0000

Introduction

In this Australian Retirement Podcast episode, your host Owen Rask is joined by Kanish Chugh, Head of ETF Sales at PIMCO Australia, to discuss:

The role of fixed income in a portfolio
How ETFs provide professional-grade access to bonds
PIMCO’s new range of fixed income ETFs
Why now might be the right time to allocate more to bonds

This is a sponsored episode

If you love learning about ETFs, bonds, and portfolio construction, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube!

Topics Covered & Timestamps

0:00 – Welcome & Introduction

2:15 – Who is PIMCO? Understanding the Global Investment Giant

6:42 – Why Fixed Income ETFs Matter More Than Ever

12:30 – How Bonds Work & Their Role in a Portfolio

18:55 – PIMCO’s New Fixed Income ETF Range

27:10 – The Case for Bonds in 2025 & Market Outlook

35:40 – Final Thoughts & How to Learn More

Resources for This Episode

📄 Explore PIMCO’s Fixed Income ETFs & Bond Insights:

PIMCO's Australian Website: https://bit.ly/3FyV7vb
See PIMCO's Current ETF Offerings: https://bit.ly/4bXhUNo

~~ Rask Resources ~~

🔗 Explore all Rask services – https://bit.ly/R-services

📋 Get Financial Planning – https://bit.ly/R-plan

📈 Start investing with Rask – https://bit.ly/R-invest

📜 Access Show Notes – https://bit.ly/R-notes

❓ Ask a question – just select the Investor Podcast – https://bit.ly/R-quest

📲 Follow us on social media:

Instagram: @rask.invest
TikTok: @rask.invest

DISCLAIMER

#Investing #ETFs #FixedIncome #AustralianInvestorsPodcast

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Your curly retirement questions resolved by Drew and James

Thu, 13 Mar 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth answer the hard questions that our listenerest just can’t seem to get straight answers to.

If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

Life when you’re asset rich and cash poor
Putting an investment property into an SMSF
How Downsizer contributions work
Stamp duty issues for ‘love and affection’ transfers
Financial support for low super balance retirees
How can I set up a Pension for my SMSF including regular payments

Resources for this episode

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

Learn more about your ad choices. Visit megaphone.fm/adchoices

Death in retirement - what happens when your partner dies?

Thu, 06 Mar 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host Drew Meredith is joined by founder of Wattle Partners, Jamie Nemtsas who discussed the crucial financial and legal steps to take after losing a partner. From managing assets and debts to estate planning and benefits, this episode guides you through securing your financial future during a difficult time.

If you like this Australian Retirement Podcast episode on dealing with death in retirement you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

Your partner has passed, what you need to do first
Estate and inheritance planning, how to manage the transition
What happens to your assets on death
What role does an adviser play during this period
How does super work on death?

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources - these are included by default

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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What do I do about my private health insurance?

Thu, 27 Feb 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth speaks with longevity expert Dr Steven Lu about how to get the best Private Health cover for you, the health issues where you’ll most need it, and the times you won’t.

If you like this Australian Retirement Podcast episode on navigating Private Health Insurance, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

The history of Private Health Insurance (PHI) in Australia
Why having PHI can significantly reduce your tax bill
When does PHI deliver good value for policy holders?
What are the major pitfalls of PHI?
Spending on disaster recovery, versus disaster prevention
How Australian Private Health Cover is changing today
Your options if not taking out PHI
How you can take action today

Resources for this episode

Dr Steven Lu’s practice - Everlab: https://www.everlab.com.au/
Ask a question (select the Finance podcast): https://bit.ly/R-quest

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

Learn more about your ad choices. Visit megaphone.fm/adchoices

The 5 health issues which can ruin your retirement

Thu, 20 Feb 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth speaks with longevity expert Dr Steven Lu about how better understanding your health can help to maximise - and prolong - your retirement years.

If you like this Australian Retirement Podcast episode on maximising your health in retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

Steven’s background as a longevity expert
The consequences of being too focused on the money-side of retirement
The five major health issues for retirees and pre-retirees
How you can take action today

Resources for this episode

Dr Steven Lu’s practice - Everlab: https://www.everlab.com.au/
Aust Institute of Health and Welfare health expenditure report: https://www.aihw.gov.au/reports/health-welfare-expenditure/health-expenditure
Ask a question (select the Retirement podcast): https://bit.ly/R-quest

~~ Show partner resources ~~

Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler

Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith

View Betashares range of funds: https://bit.ly/beta-25

~~ Rask resources ~~

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

Learn more about your ad choices. Visit megaphone.fm/adchoices

7 ways to grow your Super in retirement

Thu, 13 Feb 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth answer your most pressing retirement questions, including the biggest question of all ‘how can you protect your super from a market crash?’.

If you like this Australian Retirement Podcast episode on protecting your super, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

How financial advisers are protecting portfolios from a market crash
What to think about when ‘upsizing’ in retirement
How to supercharge your super contributions
How super contributions can reduce your tax
The best way to split contributions with your partner

Resources for this episode

Ask a question (select the Retirement podcast): https://bit.ly/R-quest

Rask Resources

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Using ETFs for passive income (step by step, with ETF examples)

Mon, 10 Feb 2025 04:30:00 -0000

Topics covered in this market update

Cameron's first (and most recent) investment
LICs versus ETFs
How ETFs actually produce income
Risk levels of ETFs

ETFs featured:

AAA - cash ETF
MMKT - cash plus ETF
A200 - top 200 Aussie shares
QOZ - top Aussie shares, fundamentally weighted
YMAX - yield maximiser
QPON - bond ETF
HBRD - hybrid fund
BSUB - bond ETF

Resources

View all Betashares funds and ETFs: https://www.betashares.com.au/

✅ RESOURCES:

Access Show Notes: https://bit.ly/R-notes

Ask a Question: https://bit.ly/3QtiY00

Kate's book, Buying Happiness: https://bit.ly/kate-amazon

Track your portfolio with Navexa (save 20%): https://bit.ly/track-stocks

Invest with Owen: https://bit.ly/R-invest

Mortgage Broking: https://bit.ly/broke-rask

Financial Planning: https://bit.ly/R-plan

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting with Grey Space: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.

Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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Is your super fund a dud?

Thu, 06 Feb 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth explain five key ways to review your industry super to make sure it is right for you. Super will likely be your second biggest asset, so making sure you get the most out of your fund is essential.

If you like this Australian Retirement Podcast episode on industry super funds, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Topics covered today:

An introduction to industry super funds
What sort of fees should you be paying
Is performance all that matters?
Understanding your investment options
The most common traps that catch us out

Resources for this episode

The super funds we talked about
Australian Super
Host Plus
Ask a question (select the Retirement podcast)

Rask Resources - these are included by default

All services: https://bit.ly/R-services

Financial Planning: https://bit.ly/R-plan

Invest with us: https://bit.ly/R-invest

Access Show Notes: https://bit.ly/R-notes

Ask a question: https://bit.ly/R-quest

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Real property expert: How to invest in commercial property in Australia

Mon, 03 Feb 2025 04:30:00 -0000

Tom Barwon is a commercial property investing expert and a partner at Barwon Investment Partners, a leading Australian commercial property investment group.

Tom specialises in healthcare properties and has invested hundreds of millions of dollars, across hundreds of properties throughout Australia.

Barwon's Tom Patrick talking points

Barwon's Tom Patrick walks us through the following topics:

1. Intro to commercial property investing

2. Difference between buying your own property and using a fund manager

3. How a fund manager gets paid

4. Commercial property versus residential property

5. Risks when investing in commercial real estate

6. Funding levels and risk

7. Key metrics before investing

Resources:

Barwon website: https://barwon.net.au/?utm_source=RASK

Tom's healthcare fund: https://barwon.net.au/our-funds/barwon-healthcare-property-fund/

Book a call with Barwon: https://barwon.net.au/contact-us/

~~ Resources you'll love ~~

Invest with Owen: https://bit.ly/R-invest

Mortgage Broking: https://bit.ly/broke-rask

Financial Planning: https://bit.ly/R-plan

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting with Grey Space: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Ask a question: https://bit.ly/3QtiY00

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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The five red flags of financial scams with Wadzi Nenzou

Thu, 30 Jan 2025 04:00:00 -0000

In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth talks to financial scam expert Wadzi Nenzou about the critical things we all need to do to protect ourselves against financial scams.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

History of investment scamming
The distinction between fraud and theft
Why retirees / pre-retirees are most at risk of scamming
The five major red flags to look out for (including how to avoid each)
The critical things that people can do right now to better protect themselves against scammers

Resources for this episode:

Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/
James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au

~~ Resources you'll love ~~

Invest with Owen: https://bit.ly/R-invest

Mortgage Broking: https://bit.ly/broke-rask

Financial Planning: https://bit.ly/R-plan

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting with Grey Space: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Ask a question: https://bit.ly/3QtiY00

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Private credit income investing for retirement, with Nicole Kidd from Schroders RF

Mon, 27 Jan 2025 04:30:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask, Chief Investment Officer of The Rask Group, interviews Nicole Kidd, from Schroders RF, to talk about getting income from private credit within your retirement portfolio.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

What is private credit?
Difference between private credit, "fixed income", "bonds" and term deposits
What is a 'syndicate' in private credit?
What is a 'first mortgage'?
Is a big dividend yield a no-brainer?
When is the yield too good to be true?
How Schroders RF actually works
How to use private credit as a retiree?

Episode resources:

Go to Schroders RF website: https://bit.ly/schroders-RF

~~ Resources you'll love ~~

Invest with Owen: https://bit.ly/R-invest

Mortgage Broking: https://bit.ly/broke-rask

Financial Planning: https://bit.ly/R-plan

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting with Grey Space: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Ask a question: https://bit.ly/3QtiY00

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimising your wellbeing into retirement with Jon Glass

Thu, 23 Jan 2025 04:30:00 -0000

In this Australian Retirement Podcast episode, your host James O’Reilly, from Northeast Weatlh, interviews Jon Glass, from 64Plus, to talk about the non-financial elements of retirement.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

Jon’s background as a retirement coach
The personal challenges people face when they retire
The 3Gs, 4Ds and 6Fs of retirement
Surprises that people encounter when they retire
Being intentional with your relationships and hobbies

Resources for this episode:

Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/
James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au
How to engage with 64Plus: https://www.64plus.com.au/solutions-to-retirement
Jon’s podcast Talk About Friends: https://open.spotify.com/show/5aahOAoqNOcfLn2WhWtdXy

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Learn more about your ad choices. Visit megaphone.fm/adchoices

Income from share investing, with fund manager Andrew Fraser

Mon, 20 Jan 2025 04:30:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask, Chief Investment Officer of The Rask Group, interviews Andrew Fraser, from Merlon Capital, to talk about getting income from Australian shares within your retirement portfolio.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

Behavioural biases in share investing
How to invest in shares with focus
Where most income investors go wrong
What a 'quality' investment criteria looks like
Income and/or growth investing?
The investment case for JB Hi-Fi and why it fit the criteria
How retirees use fund managers like Merlon to invest

Episode resources:

Merlon Capital website: https://www.merloncapital.com.au/

~~ Resources you'll love ~~

Invest with Owen: https://bit.ly/R-invest

Mortgage Broking: https://bit.ly/broke-rask

Financial Planning: https://bit.ly/R-plan

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting with Grey Space: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Ask a question: https://bit.ly/3QtiY00

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser.Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Your retirement q’s answered

Thu, 16 Jan 2025 04:30:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth answer your most important questions on retirement. Drew and James also make a 12 month bet on CBA.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

Should I switch my super fund?
Pensions with two separate super funds
Super fund returns versus ETFs
What order should you draw on wealth when you have super and investments?
Borrowing against the home to put in super
Transferring shares directly into your super
Drawing an allocated pension and recontributing to super at the same time
A personal wager on the CBA share price
Having enough cash to make pension payments

Resources for this episode:

Learn more about your ad choices. Visit megaphone.fm/adchoices

Annuities - making sense of "guaranteed income" in retirement

Mon, 13 Jan 2025 04:30:00 -0000

In this Australian Retirement Podcast episode, your host Owen Rask, Chief Investment Officer of The Rask Group, interviews Andrew Lowe, from Challenger, to talk about annuities within your retirement portfolio.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Annuities topics covered today:

What are annuities?
What is guaranteed income?
Are annuities safe?
What are annuities backed by?
What are the common types of annuities?
Can annuities be used alongside centrelink?
Who is the ideal user of annuities?

Episode resources:

Challenger Annuities: https://bit.ly/r-annuity

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Learn more about your ad choices. Visit megaphone.fm/adchoices

HELP! When a self-funded retirement seems impossible

Thu, 09 Jan 2025 04:30:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth talk about the biggest ways that pre-retirees can get ahead in 2025.

Remember that Drew and James have a huge offer for two lucky ARP listeners to get some comprehensive financial advice FOR FREE!

Topics covered today:

Younger couple (45) with no free cashflow and relatively low super balances
Individual approaching retirement with a mortgage exceeding their super balance
Recently retired individual looking to self-fund throughout retirement

Resources for this episode:

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Learn more about your ad choices. Visit megaphone.fm/adchoices

Infrastructure investments with Ben McVicor from Magellan

Mon, 06 Jan 2025 04:30:00 -0000

In this Australian Retirement Podcast episode, your host James O’Reilly, from Northeast Weatlh, interviews Ben McVicor, from Magellan, to talk about the merits of Infrastructure investments within your retirement portfolio.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

What are infrastructure investments and how do they make money?
The major benefits of Infrastructure investments
Resilience in poor economic environments
Investing in the energy transition
How an Infrastructure fund inclusion may compliment your investment portfolio
Magellan’s investment style in the Infrastructure space

Resources for this episode:

Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/
James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au
Magellan’s Infrastructure Fund: https://www.magellangroup.com.au/funds/magellan-infrastructure-fund/

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

20 things pre-retirees can do to smash 2025

Thu, 02 Jan 2025 04:30:00 -0000

They also have a huge offer for two lucky ARP listeners to get some comprehensive financial advice FOR FREE!

Transfer balance caps explained

Topics covered today:

Set up My Gov, link ATO
Getting clear on your retirement plan
Reviewing your current assets
The best super contributions to consider in 2025
Life Insurance, Private Health insurance and Estate Planning
Optimising your superannuation
Getting ahead on your mortgage and bank accounts
Dividend Reinvestment Plans
Some great financial calculators you can use now
Searching for lost super / lost money SRO
Organising a proactive meeting with your accountant / planner

Resources for this episode:

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Learn more about your ad choices. Visit megaphone.fm/adchoices

Super tax increasing?

Thu, 19 Dec 2024 04:30:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth speak about the ever-topical Div 296 tax proposal and what it will mean for Australians.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

A brief history of tax in the superannuation system
How does the proposed Div 296 tax work?
The massive financial impact of using non-indexed caps
Complexity around taxing unrealised gains
Is it still worth investing in superannuation?
What you should be doing right now

Resources for this episode:

Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/
James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au

Div296 explained

James’ post on the cost of non-indexation

Investing in super vs other entities

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Learn more about your ad choices. Visit megaphone.fm/adchoices

Making your retirement epic with Bec Wilson

Thu, 12 Dec 2024 04:30:00 -0000

In this Australian Retirement Podcast episode, Drew Meredith and Bec Wilson discuss the key steps to making your retirement epic, and why Australian’s need to start thinking about retirement earlier than ever.

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Topics covered today:

An introduction to Bec Wilson and the Epic Retirement movement
The first step every Australian should be taking ahead of their retirement journey
The six pillars to making your retirement epic
An underappreciated benefit of financial advice in retirement
The most important decision you will make involves your home

Resources for this episode:

Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/
James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au
Bec Wilson’s Epic Retirement: https://www.epicretirement.com.au/
Prime Time podcast: https://www.epicretirement.com.au/podcast
Lifespan calculator: https://www.epicretirement.com.au/resources-and-tools

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Learn more about your ad choices. Visit megaphone.fm/adchoices

Your retirement questions answered

Thu, 05 Dec 2024 04:30:00 -0000

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth speak about the investments that you should be considering for your retirement portfolio

Topics covered today:

Cash and fixed interest
Bond underperformance over the last 5 yrs
When should I see a financial advisor?
Taking full control of my super investments to eliminate CGT
How to fund retirement with multiple investments available
Should I still be contributing to super if I’m paying Div293?
The correct amount to draw down from my pension each year

Resources for this episode:

~~ Resources for the show ~~

Get retirement advice: https://bit.ly/R-plan

Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00

Invest with Rask: https://bit.ly/R-invest

Access all episodes: https://bit.ly/R-notes

Mortgage Broking: https://bit.ly/broke-rask

Property Coaching: https://bit.ly/R-P-coach

100-point property checklist (PDF): https://bit.ly/prop-check

Accounting: http://bit.ly/3DG5lWS

Business Coaching: https://bit.ly/o-coach

Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing for retirement 101

Thu, 28 Nov 2024 04:30:00 -0000