The Money Puzzle

We were told AI would take off as the investment theme of the year and it came to pass - that's why the NASDAQ has been about six times better than the ASX 200 in terms of returns this year.In today's show, we cover:  The next phase of AI for investors Finding the 'picks and shovels' in the AI boom Some stocks to consider for 2024 Behind AusSuper's banning of Origin Energy share purchases Clay Carter, global head of equities at the Halo Technologies group joins Wealth Editor James Kirby in today's episode See omnystudio.com/listener for privacy information.

It's one of Australia's biggest banks but we never see any data from it - in fact, we heavily underestimate the role of family finance in helping first-time buyers get started in the property market. But this is a key factor set to underpin yet another lift in house prices in 2024 if the economists have it right. In today's show, we cover:   The Bank of Mum and Dad   Immigration levels and the rental market  The return of the lodger  What happens to tax losses with the new super tax  Diana Mousina, economist at AMP joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

Many investors now rely heavily on social media influencers for investment guidance: But who are these operators and do they have your best interests in mind? It's a key question for investors and regulators and the game is evolving very quickly indeed. In today's show, we cover:  The pros and cons of social media investment guidance  How crypto investing through social media is a world within a world  Are you trading enough to fall foul of the tax office? Balanced portfolios - have the rules changed? Gemma Dale, head of investor behavior and SMSF at Nabtrade joins Wealth Editor James Kirby on today's episode.See omnystudio.com/listener for privacy information.

Australian house prices could see a nationwide fall next year with Sydney leading the downturn on a forecast drop of four per cent, according to property research agency SQM. But in today's podcast, one of the top buyer's agents on the ground in Sydney reflects wide scepticism in the market over any perceived softening of prices.In today's episode we cover; the factors that will hold the market up in 2024, rental assistance, tips for renovating on a $1,000 budget and diversifying your property portfolio.Kitty Parker of Kitty and Miles Buyers Agency joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

Australian investors kept away from bonds for many years preferring instead ‘bond proxies’ such as the banks and telco fully franked shares. And they did the right thing because bonds have been bad news for the last three years - especially bond ETFs where total returns have let people down. But now the time may be right …for government bonds bought one by one and held to maturity.  In today’s episode we cover; the 2024 appeal of bonds, tax cuts coming, HECs and HELP and whether loans are included in super caps? Hugh Robertson of Centaur Financial joins Wealth Editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

For a while, it seemed as if the China buyer - a potentially powerful influence at property auctions -had left the scene. But in recent months Australia has emerged as the number one overseas destination for China-based property investors, even surpassing Canada in terms of activity. In today's show, we look at how the China buyer rebound is changing the market, where are the mortgage stress signals in the bank results and waiting for the interest rate peak. Pete Wargent of AllenWargent Property Buyers joins Wealth Editor James Kirby in today's episode  See omnystudio.com/listener for privacy information.

The nation's super funds will be able to widen the range of financial advice they offer under the new Future of Financial Advice legislation: What does it mean for you? In today's show we cover; how the market's second biggest fund - ART - plans to expand advice, the reality of super's little known inheritance tax, what is Nick Bolton up to at Magellan and can the ASX withstand the loss of major stocks?Anne Fuchs, executive general manager at the Australian Retirement Trust joins Wealth Editor James Kirby in today's episode See omnystudio.com/listener for privacy information.

Everyone likes to think they know their own neighborhood: As a result ‘home bias’ is a major issue among property investors. For first-time investors the issue is acute: The first steps into property would be even more daunting if the investment was in a distant city. But staying at home - especially in Melbourne - may just mean missing the best opportunities.In today’s show, we cover :  Making sure you are not being dudded by the body corporate  Buying interstate - the pros and cons  A cool response to making changes on Capital Gains Tax Where are exiting property investors putting their funds? James Gerrard of www.financialadviser.com.au joins Wealth Editor James KirbySee omnystudio.com/listener for privacy information.

We are on the cusp of the biggest handover of wealth in the history of the nation: A wall of money- estimated at $3.5 trillion - from both wills and super is about to transfer to the next generation. In Australia, we don't have an inheritance tax (though we do have an effective tax of 17 percent on money inherited through Super). With everyone living longer and the age of inheritance moving ever higher, the issue of 'impatience' is building with some investors not just anticipating future income but actively mortgaging their inheritance...it's a very bad idea. In today's show explain why... and also look at:  The rules of inheritance for all generations  How to lower the tax due on super inheritance  Ozempic's health and investment outcomes  Super statistics for women Jacqui Clarke of Maxima Private joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

Stuart Wemyss, a renowned property expert and mortgage broker from ProSolution, dives into the stagnant Australian housing market and how Capital Gains Tax (CGT) reforms could provide a lifeline. He discusses expanding CGT discounts for long-term investors and applying small business retirement rules to property owners. The conversation also highlights challenges posed by rising interest rates and the nuances of navigating interstate property investments. Wemyss offers practical insights that challenge conventional thinking on revitalizing the market.