Friends With Money

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One year out from retirement

Wed, 15 Apr 2026 01:00:00 +1000

Retirement Planning in Australia: What to Do 5 Years Out, 1 Year Out & On Retirement Day

This week on Friends With Money, Money Magazine host Ryan Johnson speaks with financial adviser Nick Bruining (Netplan) about preparing for retirement from five years out through to “R-day.”

They cover assessing family arrangements, assets and cash flow, likely lifestyle spending, and creating a wishlist while prioritising paying off non-deductible debt. Nick explains why life insurance often becomes less necessary as assets grow, and how to reduce investment risk in super as retirement nears while still keeping some growth for a 20–30 year retirement.

They discuss boosting super via salary sacrifice, personal deductible contributions, carry-forward concessional rules for balances under $500,000, and debunk the “million-dollar myth,” noting Centrelink can meaningfully top up income. The episode also covers downsizer contributions, part pension rules while working, concession cards, and applying via myGov within 13 weeks.

00:57 Five years out checklist

03:25 Rethinking life insurance

05:24 Super strategy and risk

08:54 One year out planning

11:28 Boosting super smartly

14:35 Downsizing and centrelink

17:10 Purpose and part pension

21:10 Applying for pension cards

23:55 Retirement day logistics

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Gold fever

Wed, 08 Apr 2026 01:00:00 +1000

The story of gold: Why it’s valuable, how it shaped Australia, and how to invest today

This week on the Friends With Money podcast, Money Magazine managing editor Vanessa Walker speaks with journalist Ryan Johnson about his April feature “The Story of Gold,” exploring why gold—an outer-space metal delivered by meteorites—became a durable, portable, and a widely accepted form of money.

They discuss gold’s key advantages over other elements, how much exists (about 219,000 tonnes ever mined), and its role in Australia’s history from the 1851 gold rush through to the establishment of the Sydney and Perth mints and the Eureka Stockade.

They explore how currencies were once pegged to gold, why the link ended during the depression and why central banks still buy gold, including the RBA’s 80 tonnes largely stored in London.

01:19 Why gold works

02:57 How much gold exists

03:35 Australia gold rush

05:01 Gold standard ends

06:21 Central Bank gold

07:53 Gold price outlook

09:00 Selling physical gold

10:41 Investing with ETFs

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Defence shares rally

Wed, 01 Apr 2026 01:00:00 +1000

Defence stocks explained: ETFs, cyclical risks, and ethical investing | Friends With Money

In this week's Friends With Money, editor-in-chief Michelle Baltazar speaks with Alex Jamieson of Jamieson Private Wealth about why defence shares have rallied amid widening Middle East conflict, disrupted shipping lanes, and higher oil prices.

Jamieson explains how “defence” now spans drones, robotics, AI, cybersecurity, and software, and argues rising geopolitical risk and NATO catch-up spending make it a longer-term structural theme, though stocks can be cyclical and require active rebalancing and profit-taking.

01:30 What counts as defence stocks

02:22 Why defence stocks are rallying

04:02 Do you already have exposure

05:46 Cyclical stocks and profit-taking

07:49 Fear trade or structural trend?

09:58 Defence ETFs to consider

11:53 Stock spotlight: DroneShield

13:21 Ethics of defence investing

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Kmart chaos: The rise of third-party sellers

Wed, 25 Mar 2026 01:00:00 +1000

Third-Party Marketplaces on Woolworths, Big W, Kmart & Bunnings: What Australian Shoppers Need to Know

In this Friends With Money Podcast episode, Money Magazine managing editor Vanessa Walker speaks with journalist Ryan Johnson about the rise of third-party marketplaces and why Australians are often confused when trusted retailers like Woolworths, BigW, Bunnings, Kmart and others sell items supplied by third-party sellers.

They discuss how widespread online shopping is in Australia, how marketplaces benefit retailers through rapid range expansion without holding inventory, and what consumers gain—and risk—through wider product choice.

Ryan shares an example of a BigW marketplace return dispute and outlines common issues such as inconsistent delivery, extra fees, and return complications, plus concerns about lower-quality or unsafe products.

They also explain that Australian Consumer Law guarantees still apply, but shoppers should check who the seller is and escalate unresolved disputes to fair trading agencies or the ACCC.

01:20 How many Australians shop online

02:01 Why shoppers get confused

04:34 Why retailers love it

05:31 Consumer upsides and tradeoffs

06:17 Hidden traps and returns

08:01 Safety and trust risks

09:00 Your rights under ACL

10:04 How to protect yourself

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How debt recycling can make you money

Wed, 18 Mar 2026 01:00:00 +1000

Debt recycling explained: how Australians turn home equity into investments

In this Friends With Money episode from Money magazine, host Ryan Johnson chats with mortgage broker Joseph Daoud (It’s Simple Finance) to unpack debt recycling in plain English. They explain how splitting your home loan or using a line of credit lets you access equity to invest in property, shares or a business, with potential tax benefits from deductible interest and investment expenses. They work through a $1 million home example, outline who this suits (often higher-income earners and many self-employed borrowers), and step through setup essentials: pick the right lender and structure (often interest-only), team up with a good broker and accountant, and keep the investment purpose clear. They also flag the big risks—bad advice, risky assets, rising rates, thin buffers—and why retirees or lower-income earners can be overexposed without a solid exit plan.

Timestamps

00:00 What debt recycling is

01:09 How the structure works

02:38 Who it suits

04:33 Goals and tax benefits

05:35 A real case study

08:02 Setting up the loan split

11:23 Choosing investments

12:13 Risks and rate rises

16:38 Which pros to call

17:34 Who should avoid it

20:43 Three rules and wrap

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From $100k to 10M: Your windfall game plan!

Wed, 11 Mar 2026 01:00:00 +1000

In this week's Friends With Money episode, host Ryan Johnson speaks with financial adviser David Sharpe, chair of the Financial Advice Association Australia FAAA) about how to react to a sudden windfall—from $100,000 to $1 million, $10 million and even $1 billion.

Sharpe advises first confirming the money is real, then slowing down to avoid emotional decisions, and keeping the news private (limited to a spouse and trusted professionals).

They discuss balancing lifestyle spending with long-term goals, and how priorities shift by amount and life stage: using $100,000 for a home deposit or improving retirement cashflow, weighing debt repayment by interest cost (credit cards first; student debt is typically lower-cost), and the tax advantages versus access restrictions of superannuation.

00:38 First steps after a windfall: Verify, pause, and avoid emotional moves

01:53 Who to tell (and who not to): Keeping your windfall private

02:33 Spend vs save: Building a plan that matches what you value

04:00 Windfall playbook: What to do with $100,000

05:05 Debt, HECS and priorities: Paying down the right loans first

06:13 Superannuation trade-offs: Tax benefits vs access to your money

07:30 If the $100k came from selling an investment: Reinvesting and tax

08:05 Scenario two: How $1 million changes the plan

09:43 Mortgage vs shares: Tax smarts, borrowing back and debt recycling

11:43 Inheritance checks: Asset types, CGT and what you actually keep

12:21 Scenario three: $10 million—Financial freedom, purpose and relationships

14:26 Trusts and SMSFs explained: When structures help (and when they don’t)

16:06 Intergenerational wealth transfer: Common estate and entity mistakes

18:00 Just for fun: What to do with $1 billion (and the responsibility)

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Super switching: Are you being misled?

Wed, 04 Mar 2026 01:00:00 +1000

ASIC Warns on Super “Health Check” Ads: How Lead Gen Funnels Push Risky Switches | Alan Kirkland

Money Magazine’s Friends With Money podcast host Ryan Johnson speaks with ASIC Commissioner Alan Kirkland about online “free super health check” sites, quizzes, and social media ads used as lead‑generation funnels that collect contact details, trigger telemarketing, and can pressure people to switch super into riskier, more expensive products.

Kirkland explains ASIC’s review and its transparency list (44 firms so far), noting that listing is not a finding of wrongdoing and the list will be updated while the review continues. He outlines common funnel tactics, investor harms seen in cases like First Guardian and Shield, and why switching into platform products or self‑managed super funds can reduce protections. Key red flags include unsolicited calls, pressure to act quickly, and offers to “find lost super.”

Consumers are directed to ASIC’s MoneySmart website (moneysmart.gov.au) for trusted guidance and complaints.

00:43 What lead generation means

01:42 ASIC transparency list explained

03:52 Who ASIC Is targeting

04:58 Inside the sales funnel

06:52 When marketing breaks laws

08:12 Case study: First Guardian

10:28 APRA vs ASIC and SMSFs

12:51 Red flags for consumers

14:15 Where to get help

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IPOs to watch in 2026

Wed, 25 Feb 2026 01:00:00 +1000

Welcome to another episode of the Friends With Money podcast. Hosted by Ryan Johnson, filling in for Tom Watson. In today’s episode, we unpack the world of IPOs (initial public offerings) with Simon James from HLB Mann Judd Sydney.

We break down why companies choose to list on the ASX, analyse how the IPO market performed in 2025, and look ahead to the sectors and standout companies to watch in 2026 — including major global names like SpaceX, Canva and Guzman y Gomez. Simon also shares expert insights and practical tips for anyone considering investing in IPOs.

00:24 Understanding IPOs: Basics and importance

01:50 2025 IPO market analysis

03:08 Materials sector dominance in iPOs

04:08 Private capital vs public listings

05:31 Top Performers and Future Prospects

09:38 Global IPO landscape

14:13 Investing in IPOs: Practical tips

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From savings to settlement: First-time buyer's roadmap

Wed, 18 Feb 2026 01:00:00 +1000

Are you looking to buy a new home?

This week on the Friends with Money podcast, Vanessa Walker, managing editor of Money, and journalist Ryan Johnson dive deep into the home buying process for first-time buyers.

They discuss the essential steps from initial research, engaging with mortgage brokers and financial advisors, to pre-approval, making offers, and the final settlement.

Get practical tips for navigating real estate websites, understanding mortgage pre-approval, and the importance of conveyancers.

#friendswithmoney #vanessawalker #ryanjohnson #homehunting #firsthomebuyers

00:20 First steps for first-time home buyers

01:38 Researching and narrowing down your options

03:05 Engaging with professionals: Mortgage brokers and financial advisors

05:42 Understanding mortgage pre-approval

07:51 Making an offer and preparing for settlement

10:25 Settlement day and moving in

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Spare cash: Mortgage, super or shares?

Wed, 11 Feb 2026 01:00:00 +1000

Should you put extra money into your mortgage, super or personal investments? It’s not always a simple decision.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined Terry Vogiatzis, director of wealth management at Omura Wealth Advisers, to discuss the pros, cons and trade-offs involved with making use of extra funds.

01:11 Why people find the decision tricky

02:11 Factors to consider before diving in

03:50 Assessing extra mortgage contributions

06:33 Superannuation vs other personal investments

11:38 The benefits of seeking financial advice

14:04 Final thoughts and additional tips

#friendswithmoney #tomwatson #terryvogiatzis #investing #super #mortgages

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Scam alert: How to keep your cash secure

Wed, 04 Feb 2026 01:00:00 +1000

Hundreds of thousands of Australians lose money to scams each year, but there are simple steps everyone can take to better protect their money.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Olivia McArdle, head of payments and deposits at Macquarie Bank, to discuss account safety and scams to watch out for.

01:48 Built-in security features in banking apps

03:39 Basic phone and computer security tips

05:32 Common financial scams to watch out for

07:45 What to do if you've been scammed

09:54 How banks detect and prevent scams

12:12 Future technology in banking security

#friendswithmoney #tomwatson #oliviamcardle #banking #scams

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Will getting professional financial advice pay off?

Wed, 28 Jan 2026 01:00:00 +1000

Considering seeking financial advice, but not sure what to expect? We explore the process, the costs involved and what to look for in an advisor.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Sarah Abood, chief executive of the Financial Advice Association Australia (FAAA), to run through some of the most frequently asked questions about financial advice.

00:00 Introduction

01:09 Benefits of financial advice

05:07 Is advice worth it for younger Australians?

12:14 How much does advice cost?

14:02 Finding the right financial adviser

19:43 What to expect from the financial advice process

25:20 Final thoughts

#friendswithmoney #tomwatson #sarahabood #financialadvice

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Bank of mum and dad

Wed, 21 Jan 2026 01:00:00 +1000

The Bank of Mum and Dad is booming, but without the right planning a generous gesture can turn into a legal and financial headache.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by William Moore, partner and head of private client advisory at Hall & Wilcox, to discuss gifts, loans and the potential pitfalls of the Bank of Mum and Dad.

00:00 Introduction

01:47 Family financial support: Trends and options

04:52 Gifts vs loans: Key differences and considerations

10:10 Legal and financial structures for family loans

14:19 Family loans and estate planning

16:46 Conclusion

#friendswithmoney #tomwatson #williammoore #property #bankofmumanddad

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Shared equity: Unlocking home ownership?

Wed, 14 Jan 2026 01:00:00 +1000

Help to Buy is finally here. So how do shared equity schemes work and are they a solution to unlocking homeownership?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Jack Elliott, mortgage broker and national first home buyer specialist at Alcove and First Home Unlocked, to discuss shared equity schemes and the first home buyer market.

00:00 Introduction

01:31 Understanding shared equity schemes

03:27 The federal government's Help to Buy scheme

03:55 Eligibility and key points of Help to Buy

06:43 Considerations and drawbacks of shared equity schemes

13:35 Market insights for first home buyers

16:19 Final words of advice

18:03 Conclusion

#friendswithmoney #tomwatson #jackelliott #property #sharedequity

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2026 Equities preview

Wed, 07 Jan 2026 01:00:00 +1000

After a turbulent 12 months for markets, how are Australian stocks shaping up heading into 2026?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Jun Bei Liu, co-founder and lead portfolio manager at Ten Cap, to discuss the key factors likely to influence local markets in the year ahead and the sectors worth watching.

00:00 Introduction

01:19 Reflecting on the surprises and volatility of 2025

04:11 Previewing 2026: Key themes for Australian equities

10:01 Sector and company insights for 2026

11:01 US equities outlook

13:38 Final thoughts on the year ahead

15:00 Conclusion

#friendswithmoney #tomwatson #junbeiliu #investing #shares

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Your money resolutions for 2026

Wed, 31 Dec 2025 01:00:00 +1000

Coming up with financial resolutions for the new year is easy. Setting realistic goals – and following them through – is the real challenge.

This week on the Friends With Money podcast, Money's Tom Watson is joined by behavioural economist and psychologist, Phil Slade, to discuss financial goals and the psychology behind goal setting.

00:00 Introduction

01:30 Why resolutions fail

03:02 Reflecting on past goals

05:38 Setting new goals

12:23 Accountability and shared goals

13:40 Conclusion and final thoughts

#friendswithmoney #tomwatson #philsalde #financialgoals

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End of year wrap (2025)

Wed, 24 Dec 2025 01:00:00 +1000

From super scandals to market swings, 2025 certainly kept us on our toes. So before 2026 begins, it’s time to reflect on the year that was.

This week on the Friends With Money podcast, Money’s editor-in-chief, Michelle Baltazar, is joined by senior journalist, Tom Watson, to discuss the biggest financial news stories of 2025 and the topics they’ll be watching closely in 2026.

00:00 Introduction

01:30 Biggest financial news events of 2025

09:05 Positive and surprising developments in 2025

11:46 Looking ahead to 2026

14:10 Closing remarks

#friendswithmoney #michellebaltazar #tomwatson #financialnews

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Summer travel tips

Wed, 17 Dec 2025 01:00:00 +1000

You’ve booked flights, hotels and activities for your summer trip. But have you considered how you’re going to pay your way?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Tristan Dakin, Wise’s Country Manager for Australia and New Zealand, to discuss travel money options and other tips for your summer holiday abroad.

01:42 Choosing the right payment method

04:57 Local or home currency?

07:07 The most expensive ATM withdrawal fees

09:28 Can digital wallets be used everywhere?

11:32 How to keep your money safe

13:44 Final tips

15:51 Conclusion

#friendswithmoney #tomwatson #tristandakin #travel

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Stocks for your stocking 2025

Wed, 10 Dec 2025 01:00:00 +1000

After a turbulent year for the local market, which Australian stocks could shine in 2026?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Dale Gillham, chief investment analyst at Wealth Within, to run through the Australian companies that investors may want to consider adding to their Christmas lists.

00:00 Introduction

02:31 2025 Australian market recap

07:54 Large cap picks for 2026

12:55 The world of micro caps

18:43 Concerns about index funds

21:04 Conclusion

#friendswithmoney #tomwatson #dalegillham #shares #investing

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What is a reverse mortgage?

Wed, 03 Dec 2025 01:00:00 +1000

Rising property values have left many retirees rich on paper but short on cash, so are there options for those looking to utilise their home equity?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Chris Grice, chief executive of National Seniors Australia, to discuss reverse mortgages, equity releases schemes and the government-run Home Equity Releases Scheme.

00:00 Introduction

00:28 The 'asset rich, cash poor' dilemma

01:24 Exploring reverse mortgages

07:03 Addressing concerns about reverse mortgages

9:24 Equity release schemes

10:11 Introduction to the Home Equity Access Scheme

13:54 Comparing equity release options

16:02 Conclusion

#friendswithmoney #tomwatson #chrisgrice #reversemortgages #homeequity

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First home super saver scheme

Wed, 26 Nov 2025 01:00:00 +1000

Ready to start building a deposit towards your first home? The First Home Super Saver Scheme could help you reach your target faster.

This week on the Friends With Money podcast, Money's Tom Watson is joined by Derek Gascoigne, private client adviser at UniSuper, to run through the nuts and bolts of the First Home Super Saver Scheme (FHSSS).

00:00 Introduction

00:55 Overview of the First Home Super Saver Scheme

05:40 Eligibility criteria

09:21 How to access your FHSSS contributions

14:36 Planning and important considerations

17:23 Final thoughts and advice

20:15 Conclusion

#friendswithmoney #tomwatson #derekgascoigne #superannuation #fhsss

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Christmas survival guide

Wed, 19 Nov 2025 01:00:00 +1000

With the festive season fast approaching it's time to get serious about budgeting, spending and avoiding post-Christmas debt.

This week on the Friends With Money podcast, Money's Tom Watson is joined by Sarah Meggison, personal finance expert at Finder, to run through a survival guide and a host of financial tips for the 2025 festive season.

00:00 Introduction

01:05 Financial hurdles of the festive season

02:14 Black Friday: The perfect time for Christmas shopping?

05:55 Budgeting and planning for Christmas expenses

13:37 Avoiding post-Christmas debt

16:50 Are these festive season scenarios faux pas or fair play?

23:16 Conclusion

#friendswithmoney #tomwatson #sarahmegginson #christmas

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Inside Super: Understanding "living insurance"

Wed, 12 Nov 2025 01:00:00 +1000

In this episode of the Friends With Money podcast, Money's Michelle Baltazar speaks with Alex Homer, chief customer and brand officer at insurance group TAL, about navigating life and living insurance.

They discuss the importance of insurance for younger people, different types of living insurance, and how superannuation funds can help.

Alex also shares practical tips for young workers and the self-employed on obtaining and managing insurance.

01:19 Defining life and living insurance

01:54 Understanding living insurance types

05:23 Insurance in superannuation funds

11:02 Practical tips for young workers

14:24 Bonus Round: Superannuation payments for gig workers

15:57 Conclusion and final thoughts

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Super changes and you

Wed, 05 Nov 2025 01:00:00 +1000

A new wave of superannuation changes is on the horizon, so what could they mean for your retirement?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Shane Hancock, general manager of retirement at AustralianSuper, to unpack proposed changes to higher super balances and the low income super tax offset (LISTO) and provide an update on payday super.

00:00 Introduction

01:28 Tax changes on higher super balances

05:31 Low Income Superannuation Tax Offset (LISTO) explained

10:44 Payday super update

13:40 The importance of staying informed about super

16:40 Conclusion

#friendswithmoney #tomwatson #shanehancock #superannuation

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What are franking credits?

Wed, 29 Oct 2025 01:00:00 +1000

In this episode of the Friends With Money podcast, Vanessa Walker, managing editor of Money Magazine, delves into the topic of franking credits with Matthew Gibbs, the author of 'Frankly Speaking' in Money Magazine's October issue.

Matthew explains the concept of franking credits, how they work, and their implications for shareholders in Australia. He discusses the benefits and potential downsides, highlighting the impact of corporate tax rates and providing examples to illustrate these points.

#friendswithmoney #vanessawalker #matthewgibbs #frankingcredits

00:20 Understanding Franking Credits

00:54 Detailed Explanation of Franking Credits

03:56 Tax Implications for Shareholders

07:37 Examples and Calculations

11:52 Potential Changes in Corporate Tax Rates

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What is an Annuity?

Wed, 22 Oct 2025 00:15:00 +1000

One of the great uncertainties in retirement is how long your savings will need to last. So, could annuities provide an answer?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Aaron Minney, head of retirement income research at Challenger, to unpack everything annuities.

00:00 Introduction

00:50 What are annuities?

01:33 Understanding how annuities work

04:40 Annuities vs account-based pensions

06:32 Pros and cons of annuities

09:02 Which retirees could annuities suit?

13:23 Sequencing risk and annuities

16:42 Perceptions and awareness

20:20 Conclusion

#friendswithmoney #tomwatson #aaronminney #annuities

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Estate Planning Essentials

Wed, 15 Oct 2025 01:00:00 +1000

From superannuation to digital assets, there’s much more to think about with estate planning than just creating a will.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by William Moore, partner and head of private client advisory at Hall & Wilcox, to run through some of the essential components of estate planning.

00:00 Introduction

01:45 Why you need a will and when to update it

04:51 Power of attorney

08:05 Superannuation and naming beneficiaries

12:17 Digital assets in estate planning

15:04 Tax implications for beneficiaries

18:43 Final Thoughts and Advice

20:28 Conclusion

#friendswithmoney #tomwatson #williammoore #estateplanning

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The cost of financial procrastination

Wed, 08 Oct 2025 00:30:00 +1000

Procrastination is a bad habit at the best of times, but when it comes to our finances, failing to act can have serious consequences.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Shayne Sommer, a private wealth adviser at Shadforth Financial Group, to discuss the topic of financial procrastination and the ways in which it can be tackled.

00:00 Introduction

01:37 Common examples of financial procrastination

04:03 Psychological factors behind it

06:10 The consequences of financial procrastination

09:50 Strategies to combat procrastination

11:51 Imbedding good habits

12:45 Conclusion

#friendswithmoney #tomwatson #shaynesommer #financialprocrastination

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Should you invest in emerging markets?

Wed, 01 Oct 2025 01:00:00 +1000

Emerging markets have had a strong showing so far in 2025. But is the allure of growth and diversification worth the risk?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Hugh Lam, investment strategist at Betashares, to take a deep dive into the world of emerging markets.

01:24 Defining emerging markets

04:48 Opportunities in emerging markets

07:12 Risks in emerging markets

08:34 The place of emerging markets in a portfolio

12:50 Recent performance of emerging markets

15:30 China and India: Key markets

19:00 Investment options

friendswithmoney #tomwatson #hughlam #investing #emergingmarkets

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Investor secrets: Locating hotspots before they boom

Tue, 23 Sep 2025 15:00:00 +1000

Whatever the asset, investors dream of spotting opportunities before everyone else – and property’s no different. So how can buyers identify hotspots early?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Abdullah Nouh, founder of Melbourne buyers’ agency Mecca Property Group, to discuss the features that investors may want to look for in a location and individual property.

00:00 Introduction

01:33 Key indicators of growth suburbs

04:24 Spotlight on Melbourne, Perth and Darwin

08:14 Traits of a good investment property

11:38 Additional tips for property investors

14:25 Conclusion

#friendswithmoney #tomwatson # abdullahnouh #property #propertyinvesting

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Power-up and profit from solar

Tue, 16 Sep 2025 15:00:00 +1000

In this episode of the Friends With Money podcast, Vanessa Walker hosts an in-depth discussion with journalist Ryan Johnson about the financial aspects of solar energy in Australia.

Starting with the government's 2020 renewable energy target, the conversation covers the evolution and uptake of solar panels, the introduction of solar batteries, and the new incentives available.

They also delve into innovative energy solutions like virtual energy networks, vehicle-to-grid (V2G) technology, and the impact of electric vehicles on home energy storage.

00:39 The history and impact of solar energy in Australia

03:24 The rise of solar batteries

06:42 Innovative energy solutions and subsidies

10:03 Electric vehicles and energy integration

#friendswithmoney #vanessawalker #ryanjohnson #renewables #solar

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Dividend vs growth stocks

Tue, 09 Sep 2025 15:00:00 +1000

Investors often agonise between choosing stocks that can deliver dividends or growth. But is it possible to get the best of both worlds?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Jonathan Nurick, founder and co-chief investment officer at investment fund DivGro, to discuss all things dividends.

00:00 Introduction

01:26 Understanding dividend and growth stocks

02:36 The advantages of dividend stocks

03:15 The emotional journey of investing

04:52 The Gordon growth model explained

07:00 Identifying good dividend stocks

09:08 Examples of dividend stocks

11:52 Generating income from dividends

14:24 Balancing your investment portfolio

16:28 Final thoughts and tips

18:52: Conclusion

#friendswithmoney #tomwatson # jonathannurick #investing #dividends

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Electrify your life!

Tue, 02 Sep 2025 15:05:00 +1000

With power bills rising, could solar, batteries and electrified heating and cooking help households save in the long run?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Saul Griffith, founder of Rewiring Australia and author of Plug In – The Electrification Handbook, to discuss the opportunities presented by home electrification.

01:44 The journey to writing Plug In - The Electrification Handbook
04:15 Understanding electrification and its benefits
07:02 The five major areas of household electrification
08:55 Costs and payback
11:02 Explaining Home Energy Management Systems (HEMS)
14:23 Challenges for renters and strata owners
16:46 The economic benefits of electrification

#friendswithmoney #tomwatson #saulgriffith #energy #electrification

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Future-proof your career with AI

Tue, 26 Aug 2025 15:00:00 +1000

Is AI coming to take your job?

In this episode of the Friends With Money Podcast by Money Magazine, managing editor Vanessa Walker and journalist Nicola Field discuss the impact of AI on the job market, focusing on both global and local perspectives.

They explore how AI is expected to create more jobs than it eliminates by 2030 and identify roles likely to thrive versus those at risk, characteristics of AI-resistant jobs, and strategies for employees to future-proof their careers.

They further discuss the importance of embracing AI-related changes and continuous learning to stay competitive in the evolving job market.

00:47 Impact of AI on global and Australian job markets

02:01 AI in the workplace: Efficiency and human roles

03:24 Benefits of AI for employers

04:29 Future-proofing your career with AI

05:58 Fastest growing and declining jobs

08:06 Educational paths and opportunities in AI

#friendswithmoney #vanessawalker #nicolafield #AIjoblosses

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Spring property preview (2025)

Tue, 19 Aug 2025 15:00:00 +1000

Home prices are rising and interest rates falling, so do buyers or sellers hold the cards leading into the spring property season?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Dr Nicola Powell, chief of research and economics at Domain, to discuss the latest on property prices and preview the spring property season.

#friendswithmoney #tomwatson #nicolapowell #property #spring

00:59 Spring property market preview

01:45 Current property market trends

03:43 Impact of cash rate reductions

05:07 Profits and losses in the housing market

06:17 Spring selling season insights

09:19 Market outlook for 2025 and beyond

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Bonus: Banks react to RBA cut

Sun, 17 Aug 2025 15:00:00 +1000

The RBA dropped the cash rate once again at its August meeting, so which banks have already passed the cut on to mortgage and savings customers?

On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Graham Cooke, head of consumer research at Finder, to run through the latest home loan and savings changes following the August RBA cut.

#friendswithmoney #tomwatson #grahamcooke #rba #mortgages

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Building a solid financial base

Tue, 12 Aug 2025 14:10:00 +1000

There are many parts to building sturdy financial foundations, but it’s hard to argue against the importance of property in that mix.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by financial advisor and author, Helen Baker, to talk about her latest book ‘Money for life’ and the role of property in building financial security. They discuss:

Five fundamental financial foundations
Buying a home versus an investment property
What buyers often don’t not know about property finance
Property and opportunity cost
The benefit of owning property in retirement

#friendswithmoney #tomwatson #helenbaker #property

Email Us: podcast@moneymag.com.au

Bonus: ASX update & new ETFs

Sun, 10 Aug 2025 15:00:00 +1000

From mix-ups and records highs to new ETF listings, the past week has been full of action on the ASX.

On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Samy Sriram, market analyst at Stake, to discuss the new exchange traded funds from Betashares and Global X and to provide an update on the performance of the local market.

#friendswithmoney #tomwatson #samysriram #asx #etfs

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The hidden costs of inheritance

Tue, 05 Aug 2025 15:00:00 +1000

Balancing emotions, managing relationships, making practical financial decisions – dealing with an inheritance isn’t always simple.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Melody Edwards, a senior financial adviser at Evalesco, to discuss the hidden costs of inheritance and aligning a windfall with your financial goals.

00:00 Introduction

02:52 Emotional and relationship dynamics of inheritances

07:43 Practical advice for managing an inheritance

10:08 Short-term and long-term financial strategies for inheritances

16:32 Final thoughts and tips

18:13 Conclusion and farewell

#friendswithmoney #tomwatson #melodyedwards #inheritance

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AI is about to disrupt how you bank

Tue, 29 Jul 2025 16:05:00 +1000

In this episode of the Friends With Money Podcast, Vanessa Walker, managing editor of Money, interviews Paolo Sironi, a global research leader in banking and finance from the IBM Institute for Business Value, about the transformative impact of AI on the banking sector, its innovations, and the emerging trends of digitalisation, personalisation, communication, and platformisation.

They also delve into the risks associated with AI, such as data breaches, and the importance of AI literacy and talent in the banking industry.

Sironi provides insights on how Australian banks can stay competitive, especially by focusing on the small and medium-sized enterprises (SME) market, and the need to adapt risk management practices to leverage AI effectively.

00:45 The evolution of banking with AI

04:08 AI and customer security risks

07:32 The rise of agentic AI in banking

10:12 Australian Banks: staying competitive with AI

15:27 Managing risk with AI

18:45 Future innovations and opportunities

#friendswithmoney #vanessawalker #paolosironi #aibanking

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Bonus: Beware of ghost tapping!

Sun, 27 Jul 2025 15:00:00 +1000

In this bonus episode of the Friends With Money podcast, Money's Michelle Baltazar chats with David Higgins, CTO at Eftsure, about the alarming rise in a scam known as ghost tapping.

Higgins explains what the new scam is, what to watch out for, and how to protect yourself.

#friendswithmoney #michellebaltazar #davidhiggins #hackers

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Mid-year market update (2025)

Tue, 22 Jul 2025 15:00:00 +1000

Volatility has been the major theme in investment markets during the first six months of 2025, but is that likely to continue?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Jonathan Shead, Australian head of investments at State Street Investment Management, to discuss the recent performance of equity and fixed income markets and take a look at the months ahead.

01:52 Volatility, macroeconomics and geopolitics

05:48 Equity market performance

08:54 Fixed income insights

11:06 Gold analysis

13:51 Future forecast

#friendswithmoney #tomwatson #jonathanshead #investing #markets

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Bonus: Bitcoin bullet train

Sun, 20 Jul 2025 14:10:00 +1000

Bitcoin has notched yet another record high, but can the bull market continue or will prices come back down to earth?On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Charlie Sherry, head of finance at BTC Markets, to discuss the latest surge in the price of Bitcoin and the drivers behind it.

#friendswithmoney #tomwatson #charliesherry #bitcoin

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Micro-investing

Tue, 15 Jul 2025 15:00:00 +1000

Interested in the idea of investing regularly, but don’t have tons of cash to contribute? Micro-investing could be the solution.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Kylie Purcell, investments analyst at Finder, to run through the ins and outs of micro-investing.

They discuss:

How micro-investing differs from traditional investing
The major micro-investing apps and platforms in Australia
Which assets investors can trade on micro-investing platforms
Some of the benefits and downsides of micro-investing
Micro-investing fees and the impact on returns

#friendswithmoney #tomwatson #kyliepurcell #microinvesting

Email Us: podcast@moneymag.com.au

Bonus: The RBA's July surprise

Sun, 13 Jul 2025 15:00:00 +1000

The RBA handed down a surprise cash rate decision on Tuesday, so why were rates held and what could be in store next month?

On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Paul Bloxham, HSBC’s chief economist for Australia and New Zealand, to discuss the fallout from the RBA Monetary Policy Board’s July meeting.

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Making money from your spare bedroom

Tue, 08 Jul 2025 15:00:00 +1000

In this episode of the Friends with Money podcast, we explore the housing crisis in Australia and how renting out spare bedrooms could help provide more affordable housing.

Money's Ryan Johnson joins host Managing editor, Vanessa Walker, to discuss the housing shortfall in Australia. They talk about the factors contributing to the crisis, including lagging construction and policies that favour investors over first-time buyers. Ryan explains how the 13 million unused spare bedrooms across Australia are an untapped resource that could help ease supply constraints. We learn who owns these spare rooms, the barriers keeping them from renting them out, and how policies could incentivise making better use of this latent housing supply.

Key Takeaways:

2:30 - There is a 250,000 home shortfall between housing needed and current supply. Construction isn't keeping pace with demand.

5:15 - Older Australians own most of the 13 million unused spare bedrooms, often in large, empty nest homes.

8:00 - Emotional barriers like safety concerns and desire for privacy have kept seniors from renting out rooms.

10:30 - Clarification on how capital gains tax applies when renting out part of a home.

13:00 - How rental income affects pensions - calls for policy tweaks to incentivise room rentals.

15:30 - Bank now counts rental income toward mortgage eligibility.

To learn more about Australia's housing crisis and the spare bedroom solution, be sure to listen to this insightful episode!

#friendswithmoney #vanessawalker #ryanjohnson #housingcrisis #sparebedroom

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Bonus: Trump's tariffs and you

Tue, 08 Jul 2025 02:12:49 +1000

In this bonus episode of the Friends With Money Podcast, Michelle Baltazar, editor-in-chief of Money magazine, chats with Stephen Dover, chief market strategist at global fund manager Franklin Templeton, which manages more than $2.35 trillion in assets globally.

They explore the implications of the 'Big Beautiful Bill'—a significant tax bill aimed at reducing dependence on imports, boosting jobs, and fostering economic growth through tax cuts and regulatory changes.

They also discuss how Trump's new tariffs could impact Australian investors.

#friendswithmoney #michellebaltar #stephendover #trumpstariffs

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Ways to maximise your age pension

Tue, 01 Jul 2025 16:05:00 +1000

The age pension can be a crucial part of the financial mix in retirement, but many retirees aren’t unlocking its full potential.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Andrew Dinsdale-Scanlon from TelstraSuper Financial Planning to run through the financial strategies that could help Australians maximise their age pension entitlements.

00:00 Introduction

00:41 Overview on maximising the age pension

01:48 Strategies to reduce assets

03:31 Spousal contributions

05:13 Understanding lifetime pensions

08:07 The impact of debt on the age pension

09:49 Conclusion

#friendswithmoney #tomwatson #andrewdinsdalescanlon #agepension #superannuation

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*Proudly brought to you by Telstra Super

Disclaimer:
Andrew Dinsdale-Scanlon is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Andrew gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . Additionally, the scenarios discussed are based on the relevant superannuation rates and thresholds for 2024/25 and may change in future years. If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.au

Bonus: RBA rate cut

Thu, 26 Jun 2025 15:00:00 +1000

Curious about the latest Consumer Price Index data and its impact on interest rates?

Join Money's Michelle Baltazar and Ivan Calhoun, chief economist at Creditor Watch, on our bonus Friends With Money podcast episode.

Get the latest on the recent CPI numbers and the upcoming RBA’s rate decision.

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Generate a stable income in volatile markets

Tue, 24 Jun 2025 15:00:00 +1000

In volatile markets, is there anywhere you can safely invest your hard-earned cash?

In this episode of the Friends With Money Podcast, Michelle Baltazar, editor-in-chief of Money Magazine, discusses the concept and benefits of Global Private Credit with Nehemiah Richardson, chief executive and managing director at Pengana Credit.

The discussion centers around why diversification, especially in financial uncertain times, is important and how Global Private Credit can offer attractive investment opportunities.

They also touch on how retail investors can access this asset class and introduce Pengana's TermPlus product.

00:19 Market whiplash and diversification

00:56 Understanding Global Private Credit

01:51 Investment characteristics and benefits

04:14 Risk mitigation and manager selection

06:17 Local vs. global private credit

10:12 Innovations in global private credit

10:56 TermPlus: A new investment product

14:37 Final thoughts and advice

#friendswithmoney #michellebaltazar #nehemiahrichardson #pengana #globalprivatecredit

Links: https://termplus.com.au/

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**Proudly brought to you by Pengana Capital

Pengana Capital Limited (Pengana) (ABN 30 103 800 568, AFSL 226 566) is the issuer of units (Term Accounts) in TermPlus (ARSN 668 902 323). Any advice provided is general in nature and does not take into account your particular objectives, financial situation or needs. You should consider the PDS and TMD available at www.termplus.com.au before investing in TermPlus. For further details, please see the Important Information page at www.termplus.com.au/important-information/.

Bonus: NBN update

Sun, 22 Jun 2025 15:00:00 +1000

In this bonus episode of the Friends with Money Bonus Podcast, Vanessa Walker from Money Magazine interviews Jane McNamara of NBN about the upcoming accelerated speed plans starting in September.

Jane discusses how these changes will benefit the growing number of connected devices in Australian homes and offers advice on leveraging end-of-financial-year sales to upgrade plans or in-home equipment.

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Be super curious

Tue, 17 Jun 2025 15:00:00 +1000

From finding unclaimed money to benefiting from financial advice, there’s plenty of upside to taking a curious approach to super.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Sarah Forman, chief retirement officer at Team Super, to discuss the benefits of taking an active interest in super (and how to get started).

00:00 Introduction

01:27 Three things every super member should know

04:02 Insurance and superannuation

05:32 Practical tips for managing super

08:01 The role of financial advice

10:46 Making superannuation relatable

13:03 Conclusion

#friendswithmoney #tomwatson #sarahforman #superannuation

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*This podcast is proudly brought to you by Team Super. Sarah Forman is the Chief Retirement Officer of Team Super.

Issued by Team Super Pty Ltd ABN 70 003 566 989 AFS licence 246864 as Trustee for the Team Superannuation Fund ABN 16 457 520 308. Any financial advice in this podcast does not take into account your financial situation, needs or objectives. Before acting, consider if the information is right for your needs and circumstances and read the relevant Product Disclosure Statement (PDS) at teamsuper.com. The Target Market Determinations for our financial products can be found at teamsuper.com/tmd. Financial planning services are provided by Team Super Financial Advice a trading name of Team Super Services Pty Ltd ABN 49 051 315 014 AFS licence 502700 and is a wholly owned subsidiary of Team Super Pty Ltd.

Bonus: Energy stocks to watch

Mon, 16 Jun 2025 06:59:52 +1000

After a shock bid pushed Santos shares up 27%, podcast host Michelle Baltazar chats with investment expert Dale Gilham on why investors may be turning their sights on the appeal of Whitehaven Coal and Woodside shares.

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Healthy financial relationships

Tue, 10 Jun 2025 15:00:00 +1000

Money can really complicate relationships.

On this episode of the Friends With Money Podcast, hosted by Money's Vanessa Walker, writer Nicola Field discusses ways to have healthy financial relationships, even when things go wrong.

They explore how to maintain healthy financial relationships, the realities and statistics of marriage and divorce in Australia, and key factors like transparency, communication, and financial goals in relationships.

Field emphasises the importance of financial binding agreements, managing finances together, and strategies for protecting and distributing assets and inheritances.

00:19 Exploring Money and Relationships

01:22 The Reality of Relationship Longevity

02:34 Positive Financial Signs in Relationships

03:27 Red Flags in Financial Relationships

04:22 Understanding De Facto Relationships

05:30 Protecting Yourself Financially in Relationships

07:15 Managing Finances as a Couple

08:41 Superannuation and Family Dynamics

10:37 Navigating Separation and Divorce

12:46 Blended Families and Financial Protection

14:59 Designing an Inheritance

#friendswithmoney #vanessawalker #nicolafield #relationships

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Tax Time (2025)!

Tue, 03 Jun 2025 15:05:00 +1000

The 2024-25 financial year is almost over, which means tax time is just around the corner. So what can taxpayers do to prepare?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Mark Chapman, director of tax communications at H&R Block, to discuss key tax dates, contributions, deductions, documents and more.

00:00 Introduction

00:28 Key dates for the 2025 tax season

03:08 The taxpayers under ATO scrutiny

05:39 Last-minute deductions and contributions

10:41 Preparing for the new financial year

12:15 Upcoming tax changes and final thoughts

#friendswithmoney #tomwatson #markchapman #tax

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Bonus: Energy price hikes & saving tips

Sun, 01 Jun 2025 23:01:16 +1000

In this bonus episode of the Friends With Money Podcast, Money's Michelle Baltazar talks with Janine Young, Ombudsman at Energy and Water Ombudsman New South Wales, about effective strategies to manage and reduce winter energy bills.

The discussion includes insights on recent energy price hikes, understanding market contracts, and tips for finding the best energy deals.

01:43 Understanding energy price increases

04:18 Tips to save on your energy bill

06:19 Affordability programs and final tips

07:30 Conclusion and contact information

#friendswithmoney #michellebaltazar #janineyoung #energycosts

Story link: https://www.moneymag.com.au/how-to-get-your-energy-bills-ready-for-winter

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Boost your earning power

Tue, 27 May 2025 14:10:00 +1000

Feeling stuck in your career and wondering if you should be earning more?

Are there steps you can take today to boost your future prospects?

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with employment expert and author Roxanne Calder about how you can improve your salary and career opportunities.

How to earn an extra million dollars
Salary tips in your 20s, 30s and 40s
Steps to a better career and salary
Dig deep and apply yourself

#friendswithmoney #michellebaltazar #roxannecalder #gendergap

Email Us: podcast@moneymag.com.au

Retirement and the family home

Tue, 20 May 2025 15:00:00 +1000

On this episode of the Friends With Money Podcast, we delve into how the family home can play a critical role in retirement planning for older Australians

Money's Vanessa Walker chats with Telstra Super's Rebecca Cheevers and Sophie McRae about downsizing contributions, the impact of selling your home on pension entitlements, and strategies for couples where one partner is still working.

They also explore the benefits and drawbacks of reverse mortgages and the Home Equity Access Scheme for retirees.

00:15 Exploring the role of the family home in retirement

01:00 Downsizing and super contributions

03:34 Impact on age pension and financial strategies

05:54 Home equity access schemes and reverse mortgages

07:56 Using the family home for aged care

#friendswithmoney #vanessawalker #rebeccacheevers #sophiemcrae #familyhome

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*Proudly brought to you by Telstra Super

Disclaimer:

Rebecca Cheevers and Sophie McRae are financial advisers with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Rebecca or Sophie gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . Additionally, the scenarios discussed are based on the relevant superannuation rates and thresholds for 2024/25 and may change in future years. If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.au

Paul Clitheroe: Are you recession-ready?

Tue, 13 May 2025 16:05:00 +1000

Market jitters got you worried?

Tune into the Friends With Money podcast as Money's Michelle Baltazar and Money magazine founder Paul Clitheroe unpack recession-proof investing strategies.

Discover how to safeguard your savings and investments, the power of diversification, and why a cool head can be your best asset.

Paul also shares his expert perspective on historical market cycles and actionable tips for weathering economic storms.

00:20 Recession proof investing: can we protect our savings?

00:41 Market volatility and historical perspectives

02:57 The importance of common sense in investing

05:51 Global population growth and economic demand

07:42 Recession proof strategies and personal experiences

14:17 Final thoughts and practical advice

Link: https://www.worldometers.info/

#friendswithmoney #michellebaltazar #paulclitheroe #recession

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You're retired, now what?

Tue, 06 May 2025 15:00:00 +1000

So you’re retired, what now?

In this episode of the Friends with Money podcast, Money’s Michelle Baltazar is joined by Adam Nettheim, chief customer officer at Commonwealth Superannuation Corporation (CSC). They discuss the transition from traditional retirement planning to a more holistic approach, integrating both digital and human elements, early retirement coaching, and understanding the continuum of retirement.

They also explore the importance of financial and emotional preparedness, the role of super funds as retirement partners, and practical advice for current and future retirees.

00:56 Exploring global retirement trends

03:18 Retirement planning for Australians

06:21 Becoming a retirement partner

11:54 Practical tips for a successful retirement

Links: worldometers.info

#friendswithmoney #michellebaltazar #adamnettheim #retirement

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*Proudly brought to you by Commonwealth Superannuation Corporation (CSC)

Navigating turbulent markets

Tue, 29 Apr 2025 15:00:00 +1000

The current stock market is turbulent – what's the smartest way to safeguard your investments?

In this week's episode of the Friends With Money Podcast, Money Magazine's Michelle Baltazar chats with Juliana Rajkovic, investment advisor at Escala Partners, about managing investment portfolios during these uncertain times.

They explore the market shocks sparked by U.S. tariffs, the crucial practice of stress-testing and rebalancing, and strategies for incorporating defensive assets such as fixed income and gold. They also delve into how economic changes are influencing various asset classes, including global and Australian shares, property, and private debt.

00:00 Friends with Money podcast open

00:20 Meet Juliana Rajkovic, investment advisor at Escala Partners

01:23 Market uncertainty and volatility

02:15 Recession forecasts and portfolio rebalancing

06:37 Defensive assets and fixed income

09:37 Exploring private debt and credit strategies

11:04 Australian equities and property investments

14:47 Currency considerations and final advice

17:45 Recap and closing remarks

#friendswithmoney #michellebaltazar #julianarajkovic #stockmarket

YourSuper Comparison Tool

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Super smart: How to save big on fees

Tue, 22 Apr 2025 14:05:00 +1000

On this episode of the Friends With Money podcast, we tackle the confusing world of superannuation fees.

Money's Michelle Baltazar talks with Daniel Shrimski from Vanguard Australia about how a lack of transparency and awareness around these fees can hurt people’s retirement savings.

Shrimski shares practical tips and provides an example on how to potentially save $1,500 each year on fund fees.

00:00 Introduction

00:20 Understanding superannuation fees

00:58 Guest introduction: Daniel Shrimski

01:53 Vanguard Australia's role in superannuation

02:06 The fund with 50 million investors

03:08 The six types of super fees

06:57 Reading your superannuation statement

09:00 Pushing for transparency

11:51 Are you overpaying?

14:00 The average super fund fee

15:31 Conclusion and final thoughts

#friendswithmoney #michellebaltazar #danielshrimski #supersavings

Links:

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*Proudly brought to you by Vanguard Australia

Tools to turbocharge your super

Tue, 15 Apr 2025 15:00:00 +1000

Many will appreciate the importance of retirement planning, but getting started can feel daunting. Fortunately, technology is helping to change the game.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Jeremy Lack, financial adviser with TelstraSuper Financial Planning, to chat about the emerging digital tools assisting superannuation members with retirement planning. They discuss:

The types of digital super tools already out there
Which super members can benefit from using them
Navigating investment options and risk
Working out how long super will last in retirement
How digital tools fit in with traditional financial advice

#friendswithmoney #tomwatson #jeremylack #superannuation

Email Us: podcast@moneymag.com.au

*This episode is proudly brought to you by Telstra Super.

Jeremy Lack is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Jeremy gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.au

What's the deal with crypto ETFs?

Tue, 08 Apr 2025 14:05:00 +1000

Cryptocurrency has piqued the interest of many Australians in recent years. So for those looking to access the likes of Bitcoin, is there any advantage to using ETFs over buying directly?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Marc Jocum, senior investment strategist at Global X ETFs, to dig into cryptocurrency exchange traded funds and what they are all about. They discuss:

Crypto ETFs versus buying directly
The crypto assets available through ETFs
How crypto ETFs actually work
The recent performance of cryptocurrency
What the future could hold for crypto ETFs

friendswithmoney #tomwatson #marcjocum #cryptocurrency #ETFs

Email Us: podcast@moneymag.com.au

Bonus: Trump's tariffs

Thu, 03 Apr 2025 05:11:48 +1000

In this bonus episode of the Friends With Money Podcast, hosted by Michelle Baltazar, editor-in-chief at Money Magazine, the focus is on the impact of recent US tariff policies, referred to as 'Liberation Day' by Donald Trump.

This week's guest, Tim Harcourt, chief economist at the University of Technology Sydney, discusses the adverse effects these tariffs will likely have on American workers and farmers, despite Trump's intentions to bolster the US economy.

For Australian investors, Harcourt advises a cautious 'wait-and-see' approach and emphasises the long-term strengths of the Australian market.

#friendswithmoney #michellebaltazar #timharcourt #trumptariffs

Email Us: podcast@moneymag.com.au

Insurance savings!

Tue, 01 Apr 2025 14:00:00 +1000

In this episode of the Friends With Money Podcast, Vanessa Walker, managing editor of Money Magazine, discusses insurance with journalist Ryan Johnson.

They explore why insurance premiums are rising, ways to find the best value policies, and the inner workings of the insurance industry. They also highlight the winners of the Life Insurance 2025 Awards in various categories.

Tune in for valuable insights and tips to help you make informed insurance decisions:

00:00 Introduction to Friends With Money Podcast

00:53 Understanding Insurance Deals

03:16 How Insurance Works

06:44 Rising Insurance Premiums

08:15 Life Insurance Awards 2025

10:29 Conclusion and Final Thoughts

#friendswithmoney #vanessawalker #ryanjohnson #insurance

Email Us: podcast@moneymag.com.au

Navigating retirement: Common pitfalls

Tue, 25 Mar 2025 13:05:00 +1000

What are the top 5 mistakes people make regarding retirement?

Did you know, for example, that you need to start planning for retirement a decade beforehand?

This week on the Friends With Money podcast, Money's Vanessa Walker sits down in the studio with Money's super columnist Vita Palestrant to chat about the top do's and don'ts when heading into retirement.

What's the biggest mistake that people make?
Why is super such a great investment and tax strategy, no matter what age?
Should you be worried about the risks?
What strategies are there if you don't have enough?

#friendswithmoney #vanessawalker #vitapalestrant #retirementmistakes

Email Us: podcast@moneymag.com.au

Gold Rush!

Tue, 18 Mar 2025 13:05:00 +1000

The price of gold has gone from strength to strength in recent years, but can it continue on its upward trajectory?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Chris Brycki, the founder and chief executive of Stockspot, to provide an update on gold prices and dig into the role gold can play in investment portfolios.

How have gold prices changed in recent years?
What’s driven the rise in gold prices?
What role can gold play in an investment portfolio?
Is there a recommended portfolio allocation for gold?
Could people be missing out on gold in their superannuation?

#friendswithmoney #tomwatson #chrisbrycki #gold

Email Us: podcast@moneymag.com.au

Is it time to refinance?

Tue, 11 Mar 2025 13:10:00 +1000

Interest rates are beginning to fall, so could now be a prime time to take stock of your mortgage and consider switching lenders?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Graham Cooke, head of consumer research at Finder, to discuss the latest interest rate movements and the ins and outs of refinancing a home loan.

How have banks reacted to the recent RBA cut?
What are the lowest mortgage rates on the market?
Can negotiating with your current lender actually work?
When can switching home loans be a good or bad option?
How does refinancing alone differ from using a broker?

#friendswithmoney #tomwatson #grahamcooke #mortgages #refinancing

Email Us: podcast@moneymag.com.au

Super for all ages

Tue, 04 Mar 2025 13:05:00 +1000

Like the idea of giving your superannuation balance a bump up, but don’t know where to start? The good news is that there’s no shortage of tactics to employ.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Rebecca Cheevers and Sophie McRae of TelstraSuper Financial Planning to run through the steps Australians can take in their 20s, 30s, 40s and 50s to put themselves in a better position come retirement.

They discuss:

The impact that investment options and salary sacrificing can have
Whether insurance is a necessity for everyone in their 20s
How couples can utilise contribution splitting
Making the most of catch-up concessional contributions
Using downsizer contributions as retirement nears

#friendswithmoney #tomwatson #rebeccacheevers #sophiemcrae #superannuation

Email Us: podcast@moneymag.com.au

*This episode is proudly brought to you by Telstra Super.

Rebecca Cheevers and Sophie McRae are financial advisers with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial planning services to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Rebecca and Sophie give is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice. If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au.

Welcome to the future

Tue, 25 Feb 2025 13:10:00 +1000

Technological innovations are reshaping our lives, from the way we shower and sleep to how we go about purchasing property and holding assets.

This week on the Friends With Money podcast, Money’s managing editor Vanessa Walker is joined by senior journalist Tom Watson to delve into the cutting-edge innovations shaping the future of finance. They discuss:

The latest gadgets at home
Artificial intelligence in property investment
Fractional share trading
Asset tokenisation
Green cryptocurrency

#friendswithmoney #vanessawalker #tomwatson #finance #innovation

Email Us: podcast@moneymag.com.au

5 myths about property buying

Tue, 18 Feb 2025 13:05:00 +1000

Buying a property for the first time can be hard enough as it is, let alone with all the myths and misconceptions out there.

This week on the Friends With Money podcast, Money's Tom Watson is joined by Emily Wallace, founder and director of buyers agency Wallace Advocates, to shine a light on five major misconceptions that surround the home buying process.

Is buying an apartment a smart move?
Are all body corporates poorly run?
Can breaking into the market really be done?
Are spare rooms a ‘must have’ feature?
Is it worth paying less to avoid stamp duty?

#friendswithmoney #tomwatson #emilywallace #property

Email Us: podcast@moneymag.com.au

Inheritance and tax

Tue, 11 Feb 2025 13:05:00 +1000

Trillions of dollars are set to be inherited over the next decade as part of a huge intergenerational wealth transfer. So what are the tax implications for those involved?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Mark Chapman, Director of Tax Communications at H&R Block, to run through some of the major questions surrounding inheritance and tax.

Does Australia have an inheritance tax?
What are the tax implications for inherited property?
Will inherited shares, cash or super be subject to tax?
Does CGT apply to inherited collectibles?
Which professionals can provide advice on the subject?

friendswithmoney #tomwatson #markchapman #inheritance #tax

Email Us: podcast@moneymag.com.au

Manage your money: 5 proven methods

Tue, 04 Feb 2025 13:05:00 +1000

Three in four Australians rely on a specific method to manage their money, so which one could be the right fit for you?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Andrew Morrison, chief product and growth officer at Ubank, to talk about money management and five popular budgeting methods. They discuss:

The importance of budgeting for financial health
Five of the most popular budgeting methods
The 50/30/20 method, envelope system and zero-based budgeting
Automating the savings and budgeting process
Quickfire money management tips

friendswithmoney #tomwatson #andrewmorrison #moneymanagement #budgeting

Email Us: podcast@moneymag.com.au

Bonus: The cost of dying

Sun, 02 Feb 2025 14:00:00 +1000

Email Us: podcast@moneymag.com.au

Generate passive income with ETFs

Tue, 28 Jan 2025 13:15:00 +1000

Can you generate passive income with ETFs?

In this episode of the Friends With Money podcast, Money's Michelle Baltazar sits down in the studio with deputy head of investments and capital markets at VanEck, Jamie Hannah, to discuss how best to capitalise on the ETFs in your portfolio.

How to invest in Exchange Traded Funds (ETFs)
What are some of the popular ETFs
Managing and withdrawing your profits
Tax and bookkeeping

Email Us: podcast@moneymag.com.au

Your 2025 financial refresh

Tue, 21 Jan 2025 13:05:00 +1000

The start of the year can be a great time to check in on your finances and make adjustments. But what’s the best way of going about it?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Rachel Wastell, personal finance expert at Mozo, to run through three steps aimed at giving your finances a refresh and setting you up for the year ahead. They discuss:

Reviewing home loan and savings rates
The benefits of streamlining accounts
Consolidating your debt
The role of superannuation in planning ahead

#friendswithmoney #tomwatson #rachelwastell #personalfinance

Email Us: podcast@moneymag.com.au

Investing: Recap & 2025 forecast

Tue, 14 Jan 2025 14:00:00 +1000

From the success of the Magnificent Seven to moments of real volatility, 2024 was a year to remember for equity markets. But what does 2025 have in store?

This week on the Friends With Money podcast, Money's Tom Watson is joined by Chief Strategy Officer at Tiger Brokers, Greg Boland, to reflect on the performance of share markets in 2024 and look ahead at how markets may fare this year. They discuss:

The major events and themes of 2024
Winners and losers on the ASX
How US markets performed last year
The most popular shares and ETFs with investors
How equity markets might fare during 2025

#friendswithmoney #tomwatson #gregboland #shares #investing

Email Us: podcast@moneymag.com.au

Best of the Best

Tue, 07 Jan 2025 13:10:00 +1000

Ever wondered what the best wine, car, or super fund in Australia is?

Each year, we scrutinise the Australian market to uncover the best of the best products and services for you.

This week on the Friends With Money podcast, Money's Michelle Baltazar and Vanessa Walker are in the studio to reveal the top 2025 award winners!

And the top picks are...

Best Super Fund
Best Investment Manager
Best Flexible Home Loan
Overall best ETF Manager
Best wines and books

PROMO CODE: X2412MON

(Annual digital and print subscription - Get a free 2025 Collins diary with your purchase)

Email Us: podcast@moneymag.com.au

Your 2025 investing resolutions

Tue, 31 Dec 2024 14:00:00 +1000

Sometimes making mistakes makes you a better investor in the long run.

Knowing what mistakes to look out for can save you thousands.

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with John Addis, Money contributor and author, about his biggest investing mistakes and how to avoid them.

Should you manage your investments?
When to sell a stock
When not to invest in a stock
What about a stock that you should have bought?

#friendswithmoney #michellebaltazar #johnaddis #investingmistakes

Email Us: podcast@moneymag.com.au

What happens to damaged cash?

Tue, 24 Dec 2024 13:05:00 +1000

Ever wondered what happens to torn or dog-eared banknotes, and whether Australians can get a refund for handing them in?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Greg Dicinoski, chief scientist at the Reserve Bank’s Note Issue Department, to put damaged banknotes under the microscope.

Just how prevalent are cash payments in Australia?
What are the common, and more unusual, causes of banknote damage?
What should you do with damaged cash?
Can you get a refund for handing in damaged notes or coins?
How does the Reserve Bank deal with damaged banknotes?
Why is it important for damaged cash to be removed from circulation?

#friendswithmoney #tomwatson #gregdicinoski #cash #rba

Email Us: podcast@moneymag.com.au

The year in review

Tue, 17 Dec 2024 13:10:00 +1000

Cooling inflation. Soaring tech stocks. 2024 has been a significant year for news, so before it ends, it's time to look back on the major stories in the world of finance.This week on the Friends With Money podcast, Money's Tom Watson is joined Money’s Managing Editor, Vanessa Walker, to reflect on some of the biggest events, trends and reforms in 2024 and how they’ve affected our financial lives. They discuss:

Cryptocurrency ETFs and prices
Easing inflation
Interest rate stalemate
Income tax cuts
Nvidia and the Magnificent Seven
Housing affordability
Student loan reforms
The Best of the Best

friendswithmoney #tomwatson #vanessawalker #finance

Email Us: podcast@moneymag.com.au

A change for the better

Tue, 10 Dec 2024 13:15:00 +1000

Sometimes, to achieve our goals, we need to change direction.

But how do you determine whether you are on the right path to achieve your desired outcomes?

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with author, coach, and the former CEO of Xero, Steve Vamos, on how to get back on track and stick with your plan.

The importance of clarity
Staying on track by alignment
Compliance is mandatory
Having the difficult conversations

#friendswithmoney #michellebaltazar #stevevamos #change

Email Us: podcast@moneymag.com.au

Bonus: Bitcoin bonanza!

Fri, 06 Dec 2024 02:48:50 +1000

Bitcoin's value has blasted past the one hundred thousand mark and is expected to soar even higher in 2025.

In this bonus episode of The Friends With Money Podcast, Money's Michelle Baltazar and Vanessa Walker discuss the highs and lows of this volatile digital currency.

Money online story: https://www.moneymag.com.au/why-crypto-prices-are-surging

Bitcoin edition: https://www.magshop.com.au/Products/MON240701/money-magazine-july-2024-issue

Email Us: podcast@moneymag.com.au

Negotiate your way to a better life

Tue, 03 Dec 2024 13:10:00 +1000

Navigating the art of asking for what you want can feel daunting, but strong negotiation skills can pave the way to success.

Michelle Baltazar, Editor-in-Chief at Money, in this episode of the Friends With Money podcast chats with Glin Bayley, coach and author of 'The Negotiation Playbook: Strategies That Work and Results That Last', about why mastering negotiation is essential for achieving your life (and money) goals.

They discuss:

Preparation is the key
Understanding intrinsic vs. extrinsic value
Leaning into the discomfort of a negotiation
Common mistakes people make when asking for a pay rise or sale discount

#friendswithmoney #michellebaltazar #glinbayley #negotiate #abetterlife

Email Us: podcast@moneymag.com.au

Stocks for your stocking

Tue, 26 Nov 2024 13:05:00 +1000

With the festive season upon us, present lists are being written around the country. But is there anything investors may want to add to their own wish lists?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by chief investment analyst at Wealth Within, Dale Gillham, to chat about the state of the market and the Australian companies which could shine bright in the near future.

How has the share market been performing recently?
Which local sectors look promising?
Are there any blue chip stocks worth looking at?
Which Australian microcaps could surprise on the upside?

friendswithmoney #tomwatson #dalegillham #investing #shares

Email Us: podcast@moneymag.com.au

Prime your financial fitness

Tue, 19 Nov 2024 13:10:00 +1000

Are there simple measures we could be taking every day to improve our money habits and our overall financial health?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Simi Rayat, psychologist and author of Productivity Joy, to chat about the relationship between psychology and money.

They discuss:

When and how are people’s attitudes towards money formed?
Why does money spark emotion that doesn’t appear with other issues?
How can confirmation bias and sunk-cost fallacy affect our financial life?
How can the 5Qs Formula improve our financial decision-making?

#friendswithmoney #tomwatson #simirayat #finance #psychology

Email Us: podcast@moneymag.com.au

Holiday season shopping hacks

Tue, 12 Nov 2024 14:15:00 +1000

The sales season is fast approaching, so how can shoppers make sure that they actually grab a bargain on Black Friday or Boxing Day?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Sarah Megginson, personal finance expert at Finder, to preview this years’ sales season and discuss the steps consumers can take to maximise their savings.

Are sales events like Black Friday genuinely a good time to shop?
Should Aussies do anything before the sales to help them get a bargain?
How can shoppers boost their savings with cashback and other discounts?
What rights do consumers have to returns and repairs?
What other tips or tricks can shoppers use?

#friendswithmoney #tomwatson #sarahmegginson #sales #blackfriday #boxingday

Email Us: podcast@moneymag.com.au

The future of super

Tue, 05 Nov 2024 13:15:00 +1000

There’s a raft of new superannuation initiatives and reforms set to come online in the next few years, so how will these affect super members?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Peter Hogg, general manager for guidance and advice at Aware Super, to talk through the changes which kick off from July 2025. They discuss:

Superannuation on paid parental leave
The upcoming super guarantee increase
Proposed changes to tax concessions on higher balances
The impact of payday super
Practical tips for getting the most out of super

#friendswithmoney #tomwatson #peterhogg #superannuation

Email Us: podcast@moneymag.com.au

Protect your portfolio

Tue, 29 Oct 2024 14:00:00 +1000

With inflation falling and interest rates starting to do the same, is now an opportune time to consider investing in fixed income or has the window passed?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Marc Jocum, product and investment strategist at Global X ETFs, to chat all things fixed income. They discuss:

The assets included in the fixed income basket
How bonds deliver returns to investors
The benefits of having a fixed income allocation
How fixed income assets are affected by interest rates
The pros and cons of investing in fixed income now

#friendswithmoney #tomwatson #marcjocum #investing #fixedincome

Email Us: podcast@moneymag.com.au

Trading secrets: Boomer to zoomer

Tue, 22 Oct 2024 14:00:00 +1000

From Boomers to Zoomers, which stock-picking style is better?

Craig Keary, CEO of trading platform Selfwealth, is back in the studio with Money's Michelle Baltazar to discuss the latest investment trends and which generation is leading the way.

Compare the share portfolios of Boomers, Gen X, Millenials and Gen Z based on 2024 trading data
What are the factors influencing each generation's investment choices?
What tactic is likely to succeed? Who invests in ETFs?

#friendswithmoney #michellebaltazar #craigkeary #investing

Links:

Selfweath website

Email Us: podcast@moneymag.com.au

Simplify house hunting with a buyers agent

Tue, 15 Oct 2024 14:00:00 +1000

Purchasing a home isn’t a simple process. So, for buyers looking for help or an extra edge on the competition, could a buyers’ agent be worth the cost?
This week on the Friends With Money podcast, Money’s Tom Watson is joined by Michelle May, founder and principal agent at Michelle May Buyers Agents, to break down the services that buyer’s agents can provide. The discuss:

How buyers’ agents differ from selling agents
The range of services that buyers’ agents can provide
The world of off-market listings
How much buyer’s agents can cost
Tips for buyers entering the market

#friendswithmoney #tomwatson #michellemay #property

Email Us: podcast@moneymag.com.au

Get rich! A step-by-step guide

Tue, 08 Oct 2024 14:00:00 +1000

The secret to success lies in the execution.

On this week's Friends With Money Podcast, Money's Michelle Baltazar chats with author, financial adviser, and co-founder of Pivot Wealth, Ben Nash, about wealth-building strategies to help you achieve your goals.

What are the fundamental strategies?
Why buying your own home first can slow your wealth-building
What's the first crucial step?
Two strategies to accelerate your financial journey

Email Us: podcast@moneymag.com.au

Find your perfect credit card

Tue, 01 Oct 2024 15:00:00 +1000

Plastic isn’t always fantastic, but credit cards can be an effective money management tool. The question is though, what kind of card will match your needs?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Rachel Wastell, personal finance expert at Mozo, to dig into the different types of credit cards on the market and the features they offer.

They discuss:

Suitable cards for everyday spenders
The benefits of balance transfers
Travel-friendly credit cards
Rewards points and premium credit card benefits
Tips for users to get the most out of their cards

#friendswithmoney #tomwatson #rachelwastell #creditcards

Email Us: podcast@moneymag.com.au

The benefits of open banking

Tue, 24 Sep 2024 15:00:00 +1000

Are you getting the best deal from your bank?

Open banking is set to transform the Australian banking industry, putting power back in your hands

Maxime Chaury, co-founder of Upworth and open banking specialist, joins Money's Michelle Baltazar together they reveal how to make your money work harder under the new financial landscape.

Are we getting the most out of our banks?
What exactly is open banking?
How can you harness its power to take control of your finances?
is open banking safe and secure?

Links: Upworth website

#friendswithmoney #michellebaltazar #openbanking #maximechaury

Listen on:

Email Us: podcast@moneymag.com.au

The thematic ETF debate

Tue, 17 Sep 2024 15:15:00 +1000

Thematic ETFs can give investors exposure to particular sectors, geographies or trends happening in the broader market, but they’re not without their risks.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by founder and chief executive of Stockspot, Chris Brycki, to dig into thematic exchange traded funds and the role they can play in portfolios. They discuss:

What thematic ETFs actually are
The thematic ETF versus index ETF approach
Tech and sustainability as themes and the ETFs on offer
How technology and sustainable ETFs have performed
The risks of jumping on trendy thematic ETFs

#friendswithmoney #tomwatson #chrisbrycki #investing #etfs

Mind the Gap 2024 report: https://www.morningstar.com/lp/mind-the-gap

Email Us: podcast@moneymag.com.au

Super secrets: insurance inside out

Tue, 10 Sep 2024 15:00:00 +1000

Did you know that most superannuation accounts come with insurance?

In this week's Friends With Money podcast, Michelle Baltazar sits down with lawyer and author Melisa Sloan to unravel the world of superannuation insurance.

They delve into:

The pros and cons of insurance within and outside your super fund
What is TPD insurance and when can you use it
How you might unintentionally void your own super insurance
The two types of occupation insurance, and more!

#friendswithmoney #michellebaltazar #melisasloan #superinsurance

Email Us: podcast@moneymag.com.au

Private credit: balancing risk and reward

Tue, 03 Sep 2024 15:00:00 +1000

Private credit as an asset class has grown into a $3 trillion sector after super funds and big investors started piling in. But is it a good addition to a typical investor portfolio?

Money's Michelle Baltazar takes a deep dive into this investment opportunity with private credit expert Paul Miron, co-founder of Msquared Capital, on this week's episode of Friends With Money.

What exactly is private credit?
How much do you need to get started?
What fees are involved?
Most importantly, what are the potential risks?

#friendswithmoney #michellebaltazar #paulmiron #privatecredit

Email Us: podcast@moneymag.com.au

Investing lessons with Glen James

Tue, 27 Aug 2024 15:00:00 +1000

It’s easy to start investing, but have you got the foundations, goals and financial structures in place to set yourself up for success?

This week on the Friends With Money podcast, Money's Tom Watson talks with author and host of the This is Money podcast, Glen James, about the tips and lessons he’s taken away from his investment journey so far.

What made you want to write The Quick-Start Guide to Investing?
What should investors do before they even start trading?
How can investors identify their blind spots?
Why is cementing an investment strategy so important?
Where’s the sweet spot between overconfidence and analysis paralysis?

#friendswithmoney #tomwatson #glenjames #investing

Links: Money, Money, Money podcast

Email Us: podcast@moneymag.com.au

Family loans: financial support between generations

Tue, 20 Aug 2024 15:00:00 +1000

With the rising cost of living squeezing budgets, many are finding it harder than ever to make ends meet.

Sometimes, turning to family and friends for help can feel like the only option. But lending money can be tricky. How do you balance financial support with protecting your relationships?

On this episode, Money's Michelle Baltazar chats with the founder of Chipkie, Michelle Lomas, about the best way to lend money to family and friends.

They discuss:

The financial pressure created by a rising cost of living, especially when it comes to buying a home
the complex emotions of borrowing from family & friends
Tips for lending money with confidence, ensuring repayment, and keeping your relationships strong

#friendswithmoney #tmichellebaltazar #michellelomas #lending

Episode Links:

Chipkie

Listen on:

Protect yourself from scams

Email Us: podcast@moneymag.com.au

Scammed? Tips on how to bounce back

Tue, 13 Aug 2024 15:00:00 +1000

Been scammed? You're not alone.

Scams cost nearly $3 billion dollars in 2023 according to the ACCC, but there's hope at hand.

In this episode of the Friends With Money podcast, financial adviser and "On Your Own Two Feet" author Helen Baker joins Money's Michelle Baltazar as they unlock the secrets to help rebuild your finances and protect yourself from cybercriminals.

What should you do in the first 48 hours after being scammed?
How do you protect yourself from future fraud?
Don't get into more debt!
Steps to bounce back from your loss

Links:

Report a scam

#friendswithmoney #michellebaltazar #survivegettingscammed #helenbaker

Listen on:

Email Us: podcast@moneymag.com.au

Mid-year market performance

Tue, 06 Aug 2024 15:00:00 +1000

How have local and international markets performed in 2024 and how are things shaping up in the months to come?

That’s the topic of discussion on this episode of the Friends With Money podcast featuring Money's Tom Watson and chief investment analyst at Wealth Within, Dale Gillham.

What’s driven the performance of the ASX so far this year?
Which Australian companies and sectors have performed well?
What have been the standout international markets?
How are markets expected to fair over the coming months?
Will the US election have an impact on markets?

#friendswithmoney #tomwatson #dalegillham #shares

Retirement income strategies

Email Us: podcast@moneymag.com.au

Who pays for aged care?

Tue, 30 Jul 2024 15:00:00 +1000

Planning for aged care can feel overwhelming, but it's an important conversation to have.

This week on the Friends With Money Podcast, financial expert Michelle Baltazar and aged care specialist Caroline Rees tackle your questions about:

Key considerations for making informed decisions
Funding options to navigate the financial aspects
Tax implications to understand the financial landscape
Getting started on the planning process

#friendswithmoney #tmichellebaltazar #carolinerees #agedcare

Episode Links:

myagedcare.gov.au

Listen on:

Email Us: podcast@moneymag.com.au

Caroline Rees is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning Advice that Jeremy gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au .

Bonus: The winning bond advantage with Grant Hackett

Sun, 28 Jul 2024 15:00:00 +1000

In this bonus episode of the Friends With Money podcast, Grant Hackett, the CEO of GenLife, joins Money's Vanessa Walker to discuss why Bonds might be the right choice for your portfolio.

Crypto: risk vs reward

Tue, 23 Jul 2024 15:00:00 +1000

Love it or loathe it, cryptocurrency has made its way into the mainstream. So for the crypto curious, what are the fundamentals worth knowing about?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Janine Grainger, founder and chief executive of cryptocurrency trading platform EasyCrypto, to chat about some of the basics of cryptocurrency.

What is cryptocurrency?
Are there different types of cryptocurrency?
Why should Australians care about it?
What are some of the potential benefits and risks of holding crypto?
How can cryptocurrency be purchased and held?
Is cryptocurrency regulated in Australia?

#friendswithmoney #tomwatson #janinegrainger #cryptocurrency

Episode Links: EasyCrypto - We make it easy

Email Us: podcast@moneymag.com.au

Make your money work smarter!

Tue, 16 Jul 2024 15:00:00 +1000

Feeling the financial pinch? Your money can do more for you!

Maybe it's time to make your money work smarter.

This week on Friends With Money, Michelle Baltazar chats with financial adviser and author of Insufficient Funds James Millard.

Grow your wealth and learn the secrets to making your money work harder, not the other way around.

The 4 Pillars of Financial Success
Understanding Concessional vs. Non-Concessional Contributions
Why a Financial Advisor Can Be Your Best Friend

#friendswithmoney #michellebaltazar #jamesmillard #financialadvice

Email Us: podcast@moneymag.com.au

Investment insights with Natasha Etschmann

Tue, 09 Jul 2024 15:00:00 +1000

Building wealth through investing is a gradual process – one that naturally comes with its fair share of success and setbacks.

This week on the Friends With Money podcast, Money's Tom Watson talks with financial educator and author Natasha Etschmann (@tashinvests) about her investment journey and the insights she’s gained along the way.

What made you want to get into investing?
Why did you decide to write How To Not Work Forever?
How do you find the money to invest?
What’s your view on paying off a mortgage vs investing in shares?
Are you a fan of dollar cost averaging or lump sum investing?
What are the investing mistakes you often see people make?

#friendswithmoney #tomwatson #natashaetschmann #investing

Email Us: podcast@moneymag.com.au

Bonus: The July 1 changes you should know

Wed, 03 Jul 2024 00:58:03 +1000

July 1st brings money-savings changes!

In this BONUS episode of the Friends With Money Podcast, Money's Vanessa Walker and Tom Watson break down the latest financial changes that could save you money.

Email Us: podcast@moneymag.com.au

Unlock property profits & practical tips

Tue, 02 Jul 2024 15:00:00 +1000

There's a lot of misinformation out there about building a property portfolio, and making the wrong decisions can seriously stall your investment journey.

This week on the Friends With Money podcast, Money's Michelle Baltazar cuts through the noise with Damian Collins, property expert and financial guru.

Together they help you:

Debunk the median price myth
Become a neighbourhood insider
New vs Old: Make an informed choice
Avoid emotional pitfalls
Craft your dream portfolio

#friendswithmoney #michellebaltazar #damiancollins #property

Email Us: podcast@moneymag.com.au

Build wealth: Top investment markets

Tue, 25 Jun 2024 15:00:00 +1000

Should your investment portfolio have a home bias, an international focus or something in between?

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Tony Sycamore, market analyst at IG Australia, to discuss local and international markets and asset allocation.

How optimistic are traders about local and global markets?
Which Australian and international stocks are investors trading?
Is there any issue with having a home bias?
What are the pros and cons of holding local or international equities?
How do geopolitical events impact markets?
How can first timers go about getting international exposure?

#friendswithmoney #tomwatson #tonysycamore #investing

Email Us: podcast@moneymag.com.au

Unlock home ownership with friends

Tue, 18 Jun 2024 15:00:00 +1000

Can't afford to BUY a house on your own? Property pals might be your answer!

With the typical home loan repayment between $3000-$7000 PER MONTH, sharing the burden with your friends may be the key to home ownership.

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with Matt Bowen, head of consumer and market insights at ING, about this NEW option for purchasing property. IT COVERS

The latest survey on home ownership
What is a property pal?
How do you start?
How do you protect yourself if things go awry?

#friendswithmoney #michellebaltazar #mattbowen #propertypals

Email Us: podcast@moneymag.com.au

The truth about financial advice

Tue, 11 Jun 2024 15:00:00 +1000

Forget confusing financial jargon and feeling lost in a sea of investment options!

Is a financial advisor the missing piece to your financial puzzle, or is that an unnecessary cost?

This week on the Friends With Money podcast, Money's Michelle Baltazar is joined by Financial Advisor Jeremy Lack from TelstraSuper as they debunk the myths about seeking simple solutions to financial planning.

Tune in to find out:

The hidden benefits of financial advice (beyond just investments and taxes)
The ideal times in life to seek professional guidance
Top tips for keeping your financial plan on track
What to expect when it comes to the cost of financial advice

#friendswithmoney #michellebaltazar #jeremylack #financialadvice

Email Us: podcast@moneymag.com.au

Disclaimer:

Boost your savings: Find the perfect account

Tue, 04 Jun 2024 15:00:00 +1000

Australians have $1.5 trillion stashed away in deposit accounts, but are we losing out by settling for subpar savings rates?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Rachel Wastell, personal finance expert at Mozo, to chat about setting yourself up for savings success.

Have banks passed on cash rate hikes to savers?
What are the highest savings account rates around?
Why are some savers reluctant to switch banks?
How can you choose an account that suits your needs?
How safe is money in the bank?

**Clarification: The Financial Claims Scheme (referenced in this episode) covers deposits of up to $250,000 per account holder, per ADI. For more information visit APRA’s Financial Claims Scheme hub.

#friendswithmoney #tomwatson #rachelwastell #savings

Email Us: podcast@moneymag.com.au

Start trading shares and build your wealth

Tue, 28 May 2024 15:00:00 +1000

Ready to build wealth but unsure how to begin? Investing in stocks is a great way to jumpstart your financial future.

Thanks to new online platforms and mobile apps, trading is more accessible than ever.

This week on the Friends With Money podcast, Money's Michelle Baltazar explores the world of stock investing with Craig Keary, CEO of SelfWealth.

They tackle common questions like:

What does a typical investment portfolio look like?
How much money do I need to start investing?
What is a HIN (Holder Identification Number) and why is it important?
What are the biggest misconceptions people have about investing?

#friendswithmoney #michellebaltazar #craigkeary #investing

Email Us: podcast@moneymag.com.au

Tax prep power tips & savings

Tue, 21 May 2024 15:00:00 +1000

Tax season is nearly upon us once again, so what are the tax changes you need to know about and the steps you can take to start to prepare?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by director of tax communications at H&R Block, Mark Chapman, to talk all things tax in the lead up to the 2024/25 financial year. They discuss:

Stage three tax cuts and small business changes
Property, crypto and other ATO focus areas
Working from home deductions
How to start getting prepared
The last-minute deductions worth considering

#friendswithmoney #tomwatson #markchapman #tax

Email Us: podcast@moneymag.com.au

The emotional rollercoaster of your finances

Tue, 14 May 2024 15:00:00 +1000

Did you know emotions can get in the way of how well you manage your money? Being aware of the money lessons you learned during childhood, and the feelings that come up around finances when you think or talk about them, can be a great first step towards taking control of your finances and creating real wealth.

This week on the Friends with Money podcast, Money’s Joanna Tovia is joined by financial advisor Dawn Thomas from The Wealth Designers to talk about how to improve your relationship with money.

How do emotions get in the way of sound money management?
Why are feelings of guilt, shame and apathy so common when it comes to money?
Why it’s important to celebrate the things we’ve done right with our money
What a healthy relationship with money looks like
5 tips to better manage your money

#friendswithmoney #psychology #wealth #family

Email Us: podcast@moneymag.com.au

Budget 2024: Will Aussies get relief?

Tue, 07 May 2024 15:00:00 +1000

The 2024 Federal Budget is less than a week away, so what can we expect to see in the way of cost of living relief and other measures from the government?

That's the topic of discussion on this episode of the Friends With Money podcast featuring host Tom Watson and deputy chief economist at AMP, Diana Mousina.

What is the economic backdrop to the 2024 federal budget?
Is the government likely to provide further cost of living relief?
Could any new housing affordability measures be included?
Will there be any superannuation or tax changes?

#friendswithmoney #tomwatson #dianamousina #federalbudget

Email Us: podcast@moneymag.com.au

Money saving tips for travel

Tue, 30 Apr 2024 15:00:00 +1000

Since Covid restrictions eased, we have been traveling overseas more than ever.

But when budgets are tight, how can we save money and still have the holiday we've been dreaming of?

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with Tristan Dakin, ANZ Country Manager at Wise, about saving hundreds of dollars on travel costs.

The real cost of cross-currency expenses
Avoiding ATM fees
Is pre-paying an option?
Best way to pay when overseas
Top tips to save when travelling

#friendswithmoney #michellebaltazar #tristandakin #traveltips

Email Us: podcast@moneymag.com.au

Tax time tidy up: get your super in shape

Tue, 23 Apr 2024 15:00:00 +1000

The end of the financial year is fast approaching, so is now the time to check in on your super and consider an extra contribution?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Renae Anderson, manager of select advice at UniSuper, to chat about the super moves worth considering before and after July 1. They discuss:

When and how to make a personal contribution
Whether it’s possible to top up a spouse or partner’s super
The new super guarantee rate in 2024-25
Advice for women looking to boost their super balances
The range of advice available from super funds

#friendswithmoney #tomwatson #renaeanderson #superannuation

This episode is brought to you by UniSuper.

Links:

For calculators: Superannuation calculators & tools | UniSuper

For upcoming webcasts: UniSuper Learning Hub (on24.com)

Email Us: podcast@moneymag.com.au

The information in this podcast is of a general nature and doesn’t consider your personal circumstances. Before making decisions, you should consider whether the information is appropriate for your circumstances otherwise seek financial advice.

Dreams to dollars: Building your money plan

Tue, 16 Apr 2024 15:00:00 +1000

Whether it’s purchasing a home or paying off credit card, we all have financial goals we want to achieve, but seeing them through is not always the easiest of tasks.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Mohamed Khalil, head of financial wellbeing, research and design at ANZ, to discuss the psychology behind goals and the steps we can take to set, progress and achieve them.

How should people approach setting a goal?
Why can utilising the Fresh Start Effect be helpful?
Is it important for goals to have a specific end date?
How can automation help people progress their financial goals?
Is it important for goals to have a purpose?

#friendswithmoney #tomwatson #mohamedkhalil #financialgoals

Email Us: podcast@moneymag.com.au

Unlock your "super" power: Investment choices

Tue, 09 Apr 2024 15:00:00 +1000

Have you thought about how your super is invested? Taking the time to consider, and even adjust, your investment settings could impact your balance down the track.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Jeremy Lack from TelstraSuper Financial Planning to discuss picking an investment option in your superannuation.

How do super funds invest?
What investment options can members choose from?
How can super holders get their investment mix right?
What kind of impact can investment options have come retirement?
Where can super members go for guidance?

#friendswithmoney #tomwatson #jeremylack #superannuation

This episode is brought to you by TelstraSuper.

Email Us: podcast@moneymag.com.au

Disclaimer:

Riding the RBA Rate Waves

Tue, 02 Apr 2024 14:00:00 +1000

Interest rates have reached a peak. At least, that’s the consensus among many experts who expect rates to start to fall in the near future. So how can borrowers and savers prepare?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Rachel Wastell, personal finance expert at financial comparison website Mozo, to discuss the possible timing and impact of any future rate cuts.

What is the Reserve Bank saying?
When are economists expecting rates to fall?
Are banks already adjusting their rates in anticipation?
Is there anything mortgage holders can do to prepare?
What should savers consider doing now?

#friendswithmoney #tomwatson #rachelwastell #interestrates

Email Us: podcast@moneymag.com.au

What is a margin loan?

Tue, 26 Mar 2024 14:00:00 +1000

Ever wondered if it’s possible to take out a loan to build your share portfolio? After all, investment loans are common place in property investing.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Lily Elliott, head of margin lending specialists Leveraged, to discuss the ins and outs of margin loans.

How are margin loans different from other loans?
What kind of equities can be purchased with a margin loan?
How much can investors borrow, and what determines that?
When and how do investors pay the loan back?
What are the potential risks and benefits involved?

#friendswithmoney #tomwatson #lilyelliott #investing #marginloans

Email Us: podcast@moneymag.com.au

Getting the best mobile and internet deals

Tue, 19 Mar 2024 14:00:00 +1000

Home internet and mobile plans may have become part and parcel of everyday life, but that doesn’t mean you need to be paying over the odds to stay connected.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by the managing editor of WhistleOut Australia, Alex Choros, to discuss getting a better deal on your broadband and mobile phone plans.

Who are the different providers?
How do mobile networks and the NBN work?
What are the most important features when comparing plans?
What are some of the cheapest mobile and internet deals around?
Which providers are offering the best value plans?
How can Australians stay connected while travelling overseas?

#friendswithmoney #tomwatson #alexchoros #broadband #mobile

Go to moneymag.com.au for your chance to win one of Emma's new books

Email Us: podcast@moneymag.com.au

Stop subconsciously sabotaging your financial goals

Tue, 12 Mar 2024 14:00:00 +1000

When it comes to online shopping, we've quickly become experts at undermining our long-term financial goals.

Making better decisions that prevent us from going further into debt and increase our overall cashflow is the key to getting what we want.

This week on the Friends With Money podcast, Money's Michelle Baltazar chats with financial educator, The Broke Generation podcast host, and author Emma Edwards about the 3 ways you can start to improve your spending habits.

The importance of financial psychology
Slow down your purchase decisions
The good, bad, and ugly of buy-now-pay-later
Stick to your budget, but you can have several

Link:

#friendswithmoney #michellebaltazar #emmaedwards #goodwithmoney #thebrokegeneration

Email Us: podcast@moneymag.com.au

Stage 3 tax cuts explained

Tue, 05 Mar 2024 14:00:00 +1000

Australians are set to pay less income tax from July this year, so what’s changed and who will benefit the most?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by the director of tax communications at H&R Block, Mark Chapman, to discuss the revamped stage three tax cuts.

Why were the stage three tax cuts proposed in the first place?
What did the original stage three cuts look like?
What changes has the government made, and why?
How much money can taxpayers expect to save?
How quickly will people notice a difference in their pay?

#friendswithmoney #tomwatson #markchapman #tax

Enter now for your chance to win one of the ten copies of John Pidgeon's Book

Email Us: podcast@moneymag.com.au

5 ways to get into the property market

Tue, 27 Feb 2024 14:00:00 +1000

With prices soaring above a million dollars, breaking into the property market is a daunting quest.

If you're just starting out, Is there a way to own your own home, or is it mission impossible?

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with John Pidgeon, author of Sort Your Property Out & Build Your Future, about overcoming the challenges of the current market.

Is there a perfect time to enter the market?
How do you save for a deposit?
What you can buy now vs your forever home
Five tips to achieve your goals

#friendswithmoney #michellebaltazar #johnpidgeon #propertyinvestment

Email Us: podcast@moneymag.com.au

Top performing ETFs of 2023

Tue, 20 Feb 2024 14:00:00 +1000

Australian investors poured billions of dollars into exchange-traded funds during 2023, but which ETFs returned favour with the best performance?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Cameron Gleeson, senior investment strategist at Betashares, to chat about the performance of the ETF market in 2023 and look forward to the trends emerging in 2024.

What’s driven the appetite for ETFs in the last decade?
What made fixed-income ETFs so appealing last year?
What are the most popular ETFs on the market?
Which ETFs were the best performers in 2023?
Are there any ETF trends worth keeping an eye on in 2024?

#friendswithmoney #tomwatson #camerongleeson #investing

Read more about the 2023 Australian ETF review from Betashares.

Email Us: podcast@moneymag.com.au

Retirement income strategies

Tue, 13 Feb 2024 14:00:00 +1000

Retirees will naturally want to make the most of their super come retirement, so what kind of income strategies can they employ to ensure their nest egg lasts the distance?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Caroline Rees of TelstraSuper Financial Planning to chat retirement income strategies.

How should retirees think about longevity?
Is expenditure likely to change throughout retirement?

What kind of retirement income strategies can people employ?
How can retirees deal with volatility?

#friendswithmoney #tomwatson #carolinereese #superannuation

This episode is brought to you by TelstraSuper.

Email Us: podcast@moneymag.com.au

Top property picks for 2024

Tue, 06 Feb 2024 14:00:00 +1000

Higher than expected price growth surprised many experts last year, but how will the property market perform in 2024?

This week on Friends With Money, host Tom Watson is joined by Terry Ryder, managing director of Hotspotting, to dig into the standout property locations around the country for 2024.

How did property markets perform in 2023?
What will drive property prices in 2024?
What are the standout locations for growth?
Will property prices fall anywhere?

#friendswithmoney #tomwatson #terryryder #property

Email Us: podcast@moneymag.com.au

3 hot megatrends for smart investors in 2024

Tue, 30 Jan 2024 14:00:00 +1000

2024 is heating up to be a great year to invest in the stock market!

What are the hot stocks you should be paying attention to?

This week on the Friends With Money Podcast, Money's Michelle Baltazar chats with Jess Amir, MooMoo's Market Strategist, about her top tips on what to watch out for in 2024.

Simple ways to start investing
Ways to educate yourself on the stock market
Megatrends for 2024

#friendswithmoney #michellebaltazar #jessamir #moomoo

Email Us: podcast@moneymag.com.au

Investing by colours

Tue, 23 Jan 2024 14:00:00 +1000

What type of investor are you? To get the best return on investment, you need to know!

This week on the Friends With Money podcast, by popular demand, Money's Michelle Baltazar chats with Money's investment guru, podcaster, and author, Marcus Padley, about defining investor types by colour.

What colour are you?
Beware the red zone
True blue is probably you

#friendswithmoney #colour #invest #michellebaltazar #marcuspadley

Email Us: podcast@moneymag.com.au

Billionaire Masterclass

Tue, 16 Jan 2024 14:00:00 +1000

If you want to know how to make and invest lots of money, one of the best ways is to learn from someone who built their fortune and became a billionaire.

In this special edition of the Friends With Money Podcast, Money's Michelle Baltazar chats with Ken Fisher, the billionaire founder and executive chair of Fisher Investments, about the best way to build your financial future.

• What's the best way to start investing?
• Think globally
• Will there be a recession?

@FisherInvestAU

@KennethLFisher

#friendswithmoney #billionaire #advice #michellebaltazar #kenfisher

Email Us: podcast@moneymag.com.au

How to invest in cybersecurity

Tue, 09 Jan 2024 14:00:00 +1000

According to the World Economic Forum, cybercrime is the fifth most pressing concern for the global economy.

Governments worldwide are spending hundreds of millions to combat lone-wolf hackers and nation-states.

Sounds like an investment opportunity, right?

This week on the Friends With Money Podcast, Money's Michelle Baltazar speaks with Jess Leung, portfolio manager at Global X ETFs, about how you can invest in the cybersecurity sector.

What is cybersecurity?
Hacking and scams are on the rise!
Is this a fad or a growth stock?

#friendswithmoney #cybercrime #invest #michellebaltazar #jessleung

Email Us: podcast@moneymag.com.au

New Year's resolution ideas to kick off 2024

Tue, 02 Jan 2024 14:00:00 +1000

Happy New Year!

What will you do in 2024 to improve your financial health?

This week on the Friends with Money podcast, Money's Michelle Baltazar chats with author and Comm Bank personal finance expert Jess Irvine about ideas you can implement to improve your finances.

Quick wins!
Resolutions for the year
Ideas that never really work

#friendswithmoney #2024 #resolutions #michellebaltazar #jessirvine

Email Us: podcast@moneymag.com.au

Reduce your carbon footprint

Tue, 26 Dec 2023 14:00:00 +1000

Aussie banks are increasingly rolling out personalised carbon insights to their app users. But what are carbon footprints, and do they matter?

This week on Friends With Money, host Tom Watson is joined by Rachel Alembakis, Managing Editor of FS Sustainability, to chat all things carbon footprints.

What is a carbon footprint?
Do carbon footprints even matter at an individual level?
How can we reduce our carbon footprints?
Can our superannuation choices impact our footprints?

#friendswithmoney #carbonfootprints #tomwatson #rachelalembakis

Email Us: podcast@moneymag.com.au

Stocks for your stocking

Tue, 19 Dec 2023 14:00:00 +1000

2023 has been a bit of a mediocre year for the Australian market, but could 2024 prove brighter?

This week on the Friends With Money podcast, host Tom Watson is joined by chief investment analyst at Wealth Within, Dale Gillham, to chat about the Australian stocks that could shine bright next year. They discuss:

How the Australian market has performed in 2023
Why 2024 could be a better year
The blue chip stocks to keep an eye on
A smaller company worth watching

#friendswithmoney #tomwatson #dalegillham #investing