The Money Puzzle

In redrawing the plan for personal tax cuts while introducing a tax on unrealised gains in super the government has unleashed a whirlwind of speculation: All tax shelters from negative gearing to CGT discounts are now fair game.What to do?In today’s show, we cover   The political brawl on tax and how it affects you Exploring investment bonds and family trusts The looming importance of unrealised gains  Struggling with poor service at Big Super  Liam Shorte of Sonas Wealth joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

Most property investors will aspire to have more than one property: Many in the market suggest strategies that allow an investor to accumulate a 'passive income portfolio' over time. But how do you approach this? What are the risks of running multiple properties? And would future tax changes make a difference? In today's show, we cover : Behind the promise of passive property investment * Do you need a buyer's advocate? Switching a mortgage from the home to an investment  The future of negative gearing Property educator P.K. Gupta joins wealth editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

The financial success of singer Taylor Swift is unprecedented: Show business will never be the same again. For millions, she is a champion who outsmarts the music industry at every turn. So is she a role model for younger investors?In today's show we cover... The devilishly clever business brain behind the music How Taylor Swift invests The role of her dad who is a financial advisor ‘Swiftonomics’  - how it really works  Sociologist Dr Rachel Carroll joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

It's time to listen to the other side: Some economists believe house prices are heading south in 2024 as interest rate hikes finally hit home and unemployment rises at the same time.In this show we cover: What's behind a forecast drop of 5 per cent in the market? The tremors signaled by new statistics on 'distressed sales' * Is the tradie shortage still a thing?  Why your house is taking longer to build Economist Stephen Koukoulas of Market Economics joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The surprise changes to the planned tax cuts by the Albanese government will fuel political debate for months: But for the pragmatic investor it's a question of how to respond effectively. In today's show, we cover:  Revisiting tax personal tax strategies If annuities are so good, why are they not popular? Optimising tax with a non-working partner  Is your home part of your investment portfolio? Will Hamilton of Hamilton Wealth Management joins wealth editor James Kirby in this episodeSee omnystudio.com/listener for privacy information.

The conditions have been building for a rebound in negative gearing with climbing interest rates and rising rental yields. Now a surprise reversal in tax relief for upper-income earners means the search for tax deductions is about to begin again. In today's show, we cover; the startling figures on mortgage stress, how negative gearing just gets better, the Canberra rent freeze and why the split between homeowner and investor lending rates? Cameron Kusher, research director at REA (a subsidiary of News Corp) joins wealth editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

Australians will borrow to the gills to buy the family home. They will also take big loans to enter the property market, but when it comes to the share market they hold back. Today we look a serious look at ‘leverage’. In this episode, we cover:  What you need to know about borrowing for investment If annuities are so sensible why are they not more popular? How franking credits work* The case for a $2m minimum in self-managed super funds Dr Sam Wylie of  Windlestone Education and Melbourne Business School joins Wealth Editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

The big banks offered a consensus estimate that capital city house prices would rise by 5.7 percent in 2024. With a rush of negative data since the year began, this week we interrogate those bullish forecasts and see if they can be taken seriously. In today's show, we cover: Will gloomy consumers drag property prices lower? NSW leads the investor rebound  Why one in three immigrants head to Melbourne  The outlook for rental yields  Eliza Owen of the CoreLogic research group joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The share market beat all expectations in 2023 and what's stopping a repeat performance in 2024? Lots of things actually but then again volatility is the name of the game when your money is at risk on listed markets. Here at the Money Puzzle we just assume a real return of around 9 percent each year and then it's a question of the stock choices you make. In today's episode, we cover: The outlook for shares in the next 12 months Banks and miners - who will make the money? Healthcare and REITs - two sectors with the wind behind them Why ETFs always win Gemma Dale, Director SMSF and investor behaviour at Nabtrade joins wealth editor James Kirby on this week's episode See omnystudio.com/listener for privacy information.

In our first property episode of the year, we look at the very promising outlook for apartments, the improving inflation picture, and the chance that rates might drop. We also take note of the potential headwinds in the next 12 months - especially the sharp decline in ‘buyer intention’ which has just been reported by Commonwealth Bank.In today’s episode, we cover: The property fundamentals of 2024 Why Perth could shine and Melbourne may underperform  The reality of current rate settings Buying a property with friends  Stuart Wemyss of ProSolution joins Wealth Editor James Kirby in today’s episodeSee omnystudio.com/listener for privacy information.