The Money Puzzle – Détails, épisodes et analyse

Like the old saying goes there are only a few things certain in life - death and taxes. In this episode we cover some of the most important tax strategies for people in different age brackets: 18 to 40, 40 to 60 and over 60 years of age. Each one of these groups have unique opportunities to manage and legally reduce what they pay in tax.

Accountant Timothy Ricardo from Accounting Advisor Group joins Wealth contributor James Gerrard of FinancialAdvisor.com.au

In this episode we cover:

- Tax tips for younger people to get into the property market
- Who should be thinking about getting a family trust
- Strategies to minimise tax leading up to and during retirement
- Top tax deductions you didn't realise you could claim

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Lending to property investors has surged by 47% over the past 5 months, despite high interest rates, a drop in interest-only loans from 40% to 10%, rising property taxes, and stricter tenancy laws.

In today’s episode, guest host Stuart Wemyss speaks with Ben Kingsley from the Property Investors Council of Australia.

In today’s show we cover:

·         The negative effects of the 2017 lending restrictions.

·         The impact of rising property holding costs, including increased taxes and levies.

·         Investor sentiment as reported in the PIPA survey, and strategies for navigating the current challenges for investors.

·         How the government's policies on building more homes and increasing density in established suburbs might affect new and existing investors.

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Our guest today has been rated as one of the top advisers in the market for many years. He makes the point that virtually every Australian investor loves property - a notoriously illiquid asset. But then very few investors are willing to move into illiquid assets outside of bricks and mortar...it's time to change your mind.

Charlie Viola of Pitcher Partners joins wealth editor James Kirby in this episode.

In today's show, we cover:

*Why are you scared of illiquid assets? 

*Do you have enough exposure to overseas share markets

*Help! I need to move a lot of money overseas...where do I start?

* The truth about Trump and fossil fuels 

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How do you successfully manage a property - or a string of properties? There are multiple risks and pitfalls in running a portfolio, but with a little forward planning you can optimise your assets. In today's show we cover; whether to manage property by yourself or with a professional, dealing with a body corporate, assembling a team of professionals, and the secrets of buying interstate.

Stuart Wemyss of ProSolution Private Clients joins Wealth Editor James Kirby for this special series episode.

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The Australian publishes its annual Top Financial Advisors list this week - and it's the perfect time to find out how to select a financial adviser. In today's show we cover; how to choose a financial adviser, how much should you expect to pay, is there a way to sidestep rogue operators, and what you should expect from a top-end adviser.

Sarah Abood, Chief Executive of the Financial Planners Association of Australia, joins James Kirby, Wealth Editor of The Australian, on today's episode. 

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How do you choose a home loan? What's on the menu...and how on earth do you pick the package that is best for you? In today's show we cover; how to get a basic home loan, selecting between fixed and variable, offsets and interest-only, and moving beyond the 'Big Four' banks.

Sally Tindall the Research Director at comparison service RateCity joins Wealth Editor James Kirby for this special series episode.

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In the past share market investors built their portfolios with individual stocks with a bias toward bluechip banking and mining companies. But today with so many low-cost ETFs available, there has been an evolution in professional portfolio construction with a move towards an ETF-based core/satellite approach.

The core component targets the average share market return through low-cost ETFs while the satellite component tries to outperform the market with 5 to 10-year themes. We cover how many ETFs to include, which ETFs to consider, and when to review, adjust and sell.

In today's show, we also cover: proposed changes to tax in superannuation and capital gains, how the EV Discount Bill can result in a 47 percent tax deduction on your car, how to reduce the interest rate on your SMSF loan and should 'equal weight' ETFs be considered in a portfolio?

Accountant Timothy Ricardo from Bishop Collins Chartered Accountants joins James Gerrard founder of www.financialadvisor.com.au on today's show

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How do you sell a property? What are the essential moves to make to ensure you get the best deal for your home or investment? The choices have multiplied in recent years: Should you auction? Should you have an ‘expression of interest’ campaign? Do you really need a ‘stylist’? 

In today’s show we cover; how to choose a real estate agent, how to choose a method of sale, preparing your property, and timing your sale. 

Jarrod McCabe of Wakelin Property Advisory joins Wealth Editor James Kirby for this special series episode.

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Qantas is more than just an airline to Australians. But the way shareholders see the airline has diverged considerably from how customers do. That has now cost the airline its previously well-respected CEO, and seen the aviation business lodge plans to change its flight path.

In today's show, we also cover; interest rates, what to make of industry funds’ shift to offering indexed investment options, Newcrest’s takeover and holding foreign stock, and what the tax difference is between industry fund v SMSF. 

Bruce Brammall, financial adviser at Bruce Brammall Financial, was this week’s host of The Money Puzzle and was joined by Eric Johnstone, associate editor, business, at The Australian.

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Buying a property? What are the first steps? What are the pitfalls? It's never easy whether you are buying a first home or adding another asset to your investment portfolio: But there are some basics everyone should know...

In today's show, we cover: How to select a property, why private sales are your best option, assessing real estate agent jargon, and the vexed issue of your dollar limit. 

Kitty Parker of the Kitty and Miles buyer's agency is wealth editor James Kirby's guest for this special series episode.

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