Equity Mates Investing Podcast

Ask an Adviser: Make work optional with passive income - Matt Ingram

45 snips
Feb 2, 2026
Guest
Matt Ingram
Matt Ingram, a financial adviser at North Haven Financial Management who guides clients on passive income and asset allocation. He cuts through passive income hype. Short takes on dividend ETFs, bonds, covered calls, private credit and property. Practical timing advice on when to prioritise income and how to build a deliberate income portfolio.
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ADVICE

Use High-Yield Accounts For Short-Term Cash

  • Use high-yield savings accounts for short-term goals and holding cash, not long-term income.
  • If inflation sits near 3–4%, savings yields often leave you with near-zero real returns.
ADVICE

Skip Term Deposits Today

  • Avoid term deposits in the current environment since they rarely beat high-yield savings rates and lock your money up.
  • Prefer flexible high-interest accounts unless you have a specific short-term reason to lock funds.
INSIGHT

Dividend ETFs Can Cap Long-Term Growth

  • High-yield dividend ETFs can cap growth and include lower-quality names chosen for yield.
  • They may suit some portfolios later, but they limit long-term capital appreciation.
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