Australian Retirement Podcast

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle two critical developments threatening Australian retirees: escalating Iran conflict and the shocking rise in retirement costs. ASFA's Retirement Standard just hit all-time highs. You now need $730,000 for a comfortable retirement as a couple (homeowners, retiring at 67), or $630,000 for singles. This is the first increase in three years. Why the jump? Retiree costs are rising faster than general inflation. While CPI rose 3.8%, electricity jumped 21.5% (after subsidies expired), coffee/tea up 15.3%, beef up 10.8%, and domestic travel up 9.6%. Your comfortable retirement budget is now $77,375/year for couples or $54,840 for singles. The Boomer Briefing tackles the urgent question on every retiree's mind: What does Iran conflict mean for your retirement portfolio? Plus: Aware Super's Retirement Manager tool delivered shocking results - 96% of members using it now choose MORE than minimum pension drawdowns (up from 54%). What does this tell us about retiree confidence and spending behaviour? Today's big questions: "Yoda Best" asks about bucket strategies in retirement - do they actually work? And "Curious Investor" is about to exceed the transfer balance cap by $100-200K at retirement: should they keep an accumulation account or withdraw the excess and invest personally? Drew and James explore the tax implications and optimal strategies. If you like this Australian Retirement Podcast episode on Iran conflict impact, rising retirement costs, and transfer balance cap strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode ASFA Comfortable Retirement Aware Super Retirement Manager Grattan Institute Wealth Cheat Sheet Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle why CBA and BHP are both crushing it right now, plus the shocking SMSF boom: 42,000 new funds established in FY25, with the average NEW trustee age dropping to just 47 (vs 61 for existing funds). Why are younger Australians rushing to SMSFs, and 80% doing it without advisers? The Boomer Briefing covers ASIC's major crackdown on dodgy lead generators selling your details to financial advisers, how to spot ethical vs unethical lead generation, and what retirees need to know about being targeted with rollover offers. Plus: How retirees can use AI like Claude in their financial lives, and whether old-fashioned companies are better during market selloffs. Today's big question comes from "Ma & Pa Bank" - a 50-year-old couple with a mortgage-free family home and an investment property, wanting to help their late-teen kids buy homes in 5-8 years. How can they use their property equity or the investment property itself to help their children significantly before they're ready to gift cash in retirement? What creative strategies work without destroying their own financial future? Drew and James explore the biggest mistakes parents make (helping too much, too soon), the critical questions to answer first (how much can you actually afford?), and the real-world strategies that work vs the ones that sound good but wreck retirements. If you like this Australian Retirement Podcast episode on ASIC's lead generator crackdown and helping kids without wrecking your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: CBA & BHP crushing it - What's driving the performance? SMSF boom explained - 42,000 new funds in FY25, average NEW trustee age drops to 47 Why young people rushing to SMSFs - 80% set up without advisers ASIC cracks down on lead generators - How dodgy companies sell your details, what's ethical Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with football season excitement - Saints vs Dogs, tickets locked in for June 21, 2026, and the inevitable complaining about obscene player salaries. The Boomer Briefing tackles two critical topics: Q Super's Retirement Bonus - What it is, how it works, eligibility criteria, and whether it's actually worth it or just marketing spin. Selling down assets: Accumulation vs Pension phase - The massive tax differences that could save or cost you tens of thousands. When should you sell? What's the optimal timing? This is pure gold for anyone approaching retirement. Then comes the main event - "Unclench-CtrlAltRetire's" epic question: "I'm 62, currently staring terrified into the retirement abyss with $2M in cash. 50% in a bank at 4.25%, 50% in super on the Members Direct platform, treating the 'Buy' button like it's a detonator. I am paralysed by sequencing risk and overwhelmed by options, resulting in total inaction. Drew and James deliver a masterclass on: - Franking credit refunds in pension accounts (the actual mechanics) - CGT exemptions in pension phase (what IS and ISN'T covered) - Geared ETFs reality check (risk vs reward in retirement) - Dollar-cost averaging strategies to overcome analysis paralysis - Core portfolio construction for retirees - How to finally press the "Buy" button without panic This episode is essential for anyone frozen by fear with cash earning nothing while markets move. If you like this Australian Retirement Podcast episode on pension phase tax strategies and overcoming investment paralysis, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth deliver critical updates on tax changes and relationship traps that could cost you thousands. After quick summer highlights and the CBA share price update (plenty of AI-driven outperformers despite volatility), they dive into the Boomer Briefing's two massive topics: PROPOSED CGT CHANGES - New proposals threatening the capital gains tax discount could dramatically affect retirement planning and asset sales. Drew and James break down what's being proposed, who's pushing for it, which assets are targeted, and what retirees should do RIGHT NOW before potential changes take effect. Should you accelerate asset sales? Change your portfolio strategy? This is urgent information every retiree needs. INTEREST RATES & INVESTMENT MARKET IMPACT - What's happening with rates and how it's reshaping portfolio strategies heading into 2026. Then comes the de facto relationship pension trap: "Not Your Average Listener" asks: "I'm 64M on Disability Support Pension with limited assets. My partner (57F) is working full-time with investment properties and shares - doing much better financially than me. We're looking to move in together soon, but I'm concerned about what this will do to my pension. Can you demystify this for me?" Plus: Savvy Stay-at-Home Mum's credit card hack - Using interest-free periods with a redraw account to save $10K/year on a $200K mortgage. Does it actually work over 10 years? If you like this Australian Retirement Podcast episode on CGT changes and pension relationship traps, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with high energy - school drop-offs turning them into unpaid taxi drivers, interest rate movements affecting overseas travel plans, and whether term deposits are finally worth a look again. The Boomer Briefing tackles two massive stories shaking up the super industry: First Guardian & Netwealth finally came to a deal. After months of drama, the collapsed super fund scandal has reached resolution. Drew and James break down what happened and what it means for members. AustralianSuper is experiencing competitive outflows as more members flee to platforms. Why? Access to advice, better retirement planning tools, and broader support beyond generic product offerings. The industry super dominance is being challenged by platforms offering personalized service. What does this mean for your super choice? They also dive into what's happening with commodities - gold, silver, and crypto movements that captured headlines this week. Then comes today's big question from Stephen Fry (not that one): A 54-year-old truck driver earning $150k with overtime, $420k in super, salary sacrificing $210/week. His wife is 50 with $60k super, sacrificing $100/week. They have $50k in personal loans and credit card debt clearing in 2 years. Both earn around $70k base salary. Stephen knows he needs professional financial advice but it's not cheap. His critical question: How far out from retirement should he seek professional advice? Drew and James deliver the brutal truth about timing your first adviser meeting - wait too long and you've missed critical opportunities. Move too early and you might waste money. They break down the sweet spot and what Stephen should do RIGHT NOW. If you like this Australian Retirement Podcast episode on when to hire advisers and super fund strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth kick things off with Drew's CBA share price bet update. The bet backfired when CBA fell in 2025, costing Drew $150. But he's doubling down - the new bet is whether CBA will finish above or below $150. Will Drew learn his lesson? The Boomer Briefing tackles a fascinating trend: Why are retirees checking their super balances more than their kids' wellbeing? New data reveals heightened anxiety among retired members, particularly in funds like UniSuper where engagement with retirees has spiked. Drew and James unpack what's driving this retirement anxiety and whether it's justified. They also break down what balanced returns look like for calendar year 2025 and reveal the 2025 top super fund performers according to SuperRatings. Then comes today's big question: How do you avoid or reduce paying a massive $130k capital gains tax bill when selling an investment property at or just before retirement? A 61-year-old listener with $800k in super, still working and planning to retire at 65, needs smart CGT strategies. Drew and James deliver practical solutions. Plus, the Moooving Paramedic (the 41-year-old farming paramedic with 5 kids) asks whether he should switch from pre-tax to post-tax super contributions. Currently contributing 9% via salary sacrifice and looking to increase, he's worried about the 15% tax on payout. Should he diversify his contribution strategy now? If you like this Australian Retirement Podcast episode on CGT planning and super strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Drew's CBA bet backfires - Lost $150 as CBA share price fell in 2025, now doubling down on over/under $150 - Balanced fund returns for 2025 - What to expect from your super this year - Retiree super anxiety - Why retirees are checking super more than their kids, - UniSuper engagement spike - 2025 top super performers revealed - SuperRatings breakdown of best-performing funds - How to avoid $130k CGT bill - Strategies for selling investment property at retirement (61yo, $800k super, retiring at 65) - Pre-tax vs post-tax super contributions - Moooving Paramedic's dilemma: 41yo with 5 kids, 9% salary sacrifice, should he add post-tax? Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth break down the complete landscape of retirement income in Australia. One of the most common questions financial advisers hear is: "Where will my income actually come from in retirement?" The answer isn't simple—and that's actually a good thing. The most successful retirees don't rely on a single income source; they strategically combine multiple streams to create flexibility, tax efficiency, and security. Drew and James walk through the five main sources of retirement income: allocated pensions from your super, the Age Pension, investment income from shares and property, term deposits and savings accounts, and annuities. They explain how each works, the pros and cons of different strategies, and why having multiple income sources is crucial for managing risk and maintaining lifestyle throughout retirement. They also tackle a big question: Is property really the right asset for retirement income? The answer might surprise you. If you like this Australian Retirement Podcast episode on retirement income strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Allocated Pensions: Converting your super into regular income - Why starting an allocated pension is often a "no-brainer" decision - Understanding minimum drawdown requirements and tax benefits - The Age Pension: Why over 90% of retirees receive it - Investment income: Shares, dividends, and franking credits - Property income in retirement: Is it the right choice? - Annuities explained: Guaranteed income with trade-offs - Why combination is key: Asset allocation and opportunity cost - The importance of liquidity in retirement Resources for this episode Centrelink AP Back to basics ep 2 Pension w Justin Bott Pension w Justin Bott (2) Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth explain the critical building blocks of a resilient retirement portfolio. Whether you're just starting to think about retirement or already managing your super, understanding asset allocation is one of the most important investment concepts you'll ever learn. This isn't about picking the next hot stock or timing the market—it's about building a portfolio that can generate returns while managing risk over decades. Drew and James break down what asset classes actually are, why diversification matters more in retirement than at any other life stage, and the practical tools you can use to implement a smart asset allocation strategy. They also explain Modern Portfolio Theory in plain English and show you how to think about combining different assets to maximise your potential returns while keeping volatility manageable. If you like this Australian Retirement Podcast episode on asset allocation and diversification, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - What is an asset class and why does it matter? - Breaking down the major asset classes: Cash, Fixed Interest, Shares, Real Assets, and Alternatives - Understanding asset allocation and Modern Portfolio Theory - Why diversification is critical when you have a finite pool of capital in retirement - The tools available to implement your asset allocation strategy - How different assets perform in different market conditions - Building resilience through both growth and income assets Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

The Rask 2026 stock market game is live - it's called Stock Genius. Available at stockgenius.com.au, in collaboration with Navexa, the Rask Stock Market is open for you to compete and enjoy with over 1,000 fellow investors. In this episode, we cover: - Is AI killing app investing in 2026? - Are you a stock market genius? Play our game to find out - How the game works - Smart tracking for portfolios - Owen and Navarre’s top picks Resources for this episode Join the game: https://www.stockgenius.com.au/ Buy Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask a question (select the Finance podcast): https://bit.ly/R-quest Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds:  https://bit.ly/beta-25 Rask resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: Instagram: https://www.instagram.com/rask.invest TikTok: https://www.tiktok.com/@rask.invest Disclaimer: The information contained in this podcast episode is strictly general in nature. It does not take into account your needs, goals or objectives. So do not act on the information until you have spoken to your financial adviser. The Rask Group Pty Ltd is a corporate authorised representative (No. 1313447) of Rask Licensing Pty Ltd (AFSL: 563 907). The information in our shows is general financial advice only. That means, the advice does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. In addition, you should obtain and read the product disclosure statement (PDS) and Target Market Determination (TMD) before making a decision to acquire any financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms & Conditions and Financial Services Guide on rask.com.au/legal. The Stock Genius website is built and maintained by Navexa. It does not provide financial, legal or tax advice of any kind. The Rask Stock Market Game has been created purely for educational and entertainment purposes. It is not real money and should never be considered as a recommendation, "stock picking", or investment service. The purpose of the game is community, not recommendations for, or against, investments. Investing is risky and can result in permanent capital loss. The Rask Group Pty Ltd and Navexa do not endorse or recommend investments as part of the Stock Genius website, and make no warranty for the performance of portfolios. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth continue their back-to-basics summer miniseries by tackling one of the most important decisions in retirement planning: which type of super fund is right for you? While the super rules are the same for everyone, the differences between industry funds, SMSFs, platforms, and corporate funds can have a huge impact on your retirement outcome. Drew and James break down what really matters when comparing options: control over investments, transparency of holdings, fee structures, flexibility in strategies, and the ability to tailor your approach. They also demystify the fee structures you'll encounter - from trustee and member fees to administration costs, investment fees (MER and ICR), and transaction costs. Understanding these differences is crucial whether you're starting out or considering a switch in your pre-retirement years. If you like this Australian Retirement Podcast episode on super fund options, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - The four main types of super funds: Industry, SMSF, Platform, and Corporate - Super rules are the same - so what really differs between funds? - Control: How much say do you have over your investments? - Transparency: Can you actually see what you own? - Fee structures compared across different fund types - Flexibility and the ability to tailor strategies to your situation - Understanding the commoditization of super - Breaking down ALL the fees: Trustee/member, admin/platform, investment fees (MER/ICR), and transaction costs Resources for this episode - ASIC's MoneySmart Super Fund Comparison - ATO Self-Managed Super Funds - Watch our previous episodes on super contributions: [https://youtu.be/xE-Cnq9diQk] and [https://youtu.be/Dr6NcUw5Tvg] Ask a question (select the Retirement podcast): https://bit.ly/R-quest Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth continue their summer miniseries by tackling the complex world of getting money OUT of your super. They break down the critical concepts of taxable vs tax-free components, preservation age, and the various conditions of release that allow you to access your super. Drew and James explain the difference between lump sum withdrawals and pension payments, and dive into the tax implications - including the infamous 20+ different tax rates that can apply to super (check out their dedicated video for the full breakdown). They also cover the more sensitive topics of death benefits, invalidity payments, and compassionate release provisions including terminal medical conditions. If you like this Australian Retirement Podcast episode on accessing your super, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Understanding taxable vs tax-free components in your super - What is preservation and when does it end? - Conditions of release - when you can legally access your super - Lump sum withdrawals vs pension payments - what's the difference? - Tax implications of super withdrawals (and why there are 20+ different rates!) - Death benefits and how super is distributed when you die - Invalidity and compassionate release provisions - Terminal medical condition payments - accessing super tax-free in your final months Resources for this episode - ATO Preservation Age - ATO Conditions of Release - ATO Death Benefits - Ask a question (select the Retirement podcast): https://bit.ly/R-quest Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth kick off their summer miniseries by going back to basics on super contributions. They break down ALL the ways you can get money into super, including concessional contributions (employer, salary sacrifice, and personal deductible), non-concessional contributions, the downsizer scheme, and the often-overlooked CGT retirement exemption that could let you contribute up to $500,000 tax-free. Whether you're just starting out or want to maximize your final years before retirement, this episode gives you the complete playbook - plus one simple tip that could change everything: automate your contributions. If you like this Australian Retirement Podcast episode on super contributions, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Why bother contributing to super at all? - Concessional contributions explained: employer, salary sacrifice, and personal deductible - Understanding contribution caps and catch-up provisions - Non-concessional contributions and the bring-forward rule - Downsizer contributions - the $300,000 opportunity - CGT retirement exemption - up to $500,000 per person - The one automation tip that makes contributions effortless Resources for this episode - ATO Concessional Contributions - ATO Non-Concessional Contributions - ATO Downsizer Contributions - Ask a question (select the Retirement podcast): https://bit.ly/R-quest Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been an incredible year for the Australian Retirement Podcast! As we head into the Christmas break, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth look back at the biggest moments, most important lessons, and most-watched episodes of 2025. From market volatility and ethical investing debates to government policy changes and real-world retirement strategies, this year has been packed with insights to help you navigate your retirement journey. In this special highlights episode, Drew and James revisit: The 20 things every retiree should do – MyGov and carried forward contributions (Jan 2025) Bec Wilson on planning for 30 years of retirement income (27 March) Retiring early – maximising your peak saving years (31 October) Inheritance shock and hidden taxes on estates (22 May) Division 296 super tax changes – is your super tax going up in 2025? Justin Bott from Services Australia on Age Pension strategies Travel smart tips and the $20k portfolio impact (26 June) The $1.2 billion super scandal breakdown (24 October) Key lessons learned and what's coming in 2026 Whether you're new to the podcast or a long-time listener, this episode is the perfect way to catch up on the year's most important retirement lessons. If you like this Australian Retirement Podcast Christmas special, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Drew Meredith, from Wattle Partners, sits down with retirement expert and best-selling author Bec Wilson to explore the Epic Retirement Tick - a groundbreaking framework for assessing retirement readiness. Bec, author of How to Have an Epic Retirement and Prime Time, founder of Epic Retirement and educator, shares insights from her latest initiative addressing a critical gap in Australia's retirement landscape. While we have excellent tools for accumulation, the transition to retirement often leaves Australians feeling uncertain about whether their super fund can truly deliver the retirement they've been promised. The Epic Retirement Tick emerged from recognising this gap - a comprehensive assessment framework covering 18 key criteria that super funds should meet to be genuinely retirement-ready. From the purpose of the assessment to the products included, Bec explains how this differs from simply chasing low fees and top performance during accumulation phase. Drew and Bec discuss the role of the Epic Retirement Institute, the partnership with Chant West in developing this assessment, and the surprising trends emerging in retirement products across Australia. They also touch on the Retirement Income Covenant introduced in 2022 and why progress has been disappointingly slow despite regulatory momentum. If you're approaching retirement or already there, this episode offers invaluable insights into what your super fund should be doing to support you through this critical life transition. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Introduction to the Epic Retirement Tick and why Bec created it - The 18 key criteria for retirement-ready super funds - How the Epic Retirement Tick differs from accumulation-focused assessments - The role of Chant West and the Epic Retirement Institute The Retirement Income Covenant (2022) and its slow implementation - Trends in retirement products and what super funds need to do to get the "tick" - What Australians approaching retirement should know about this framework Resources for this episode ⁠Ask a question (select the Retirement podcast)⁠ ⁠Epic Retirement Tick information⁠ ⁠Download Bec's Epic Retirement checklist⁠ Bec Wilson's books: Prime Time and How to Have an Epic Retirement ⁠Ask a question (select the Retirement podcast)⁠ ⁠Visit TermPlus to learn more⁠ Rask Resources ⁠All services⁠ ⁠Financial Planning⁠ ⁠Invest with us⁠ ⁠Access Show Notes⁠ ⁠Ask a question⁠ ⁠We love feedback!⁠ Follow us on social media: Instagram: ⁠@rask.invest⁠ TikTok: ⁠@rask.invest⁠ DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth tackle one of the most complex parts of Australian retirement planning: the superannuation tax system. How many different tax rates apply to super? The answer might shock you - it's around 20 different rates, depending on your situation! Drew and James break down every tax that can hit your superannuation at different stages: – Contributing to super: From the standard 15% contributions tax to Division 293's extra 15% for high earners – Growing your super: Investment earnings, capital gains, and the new Division 296 tax on balances above $3 million – Accessing your super: The zero-rate sweet spot after 60, and the traps if you access it earlier – Leaving super behind: Death benefit taxes that can hit your beneficiaries with rates up to 32% Plus, in the opening banter, James shares stories from his Disney cruise weekend and the eye-watering cost of Oasis concert tickets. Are luxury holidays actually cheaper than camping these days? If you like this Australian Retirement Podcast episode on super taxes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - The 20 different tax rates that can apply to your superannuation - Contributions taxes: 15%, Division 293, and excess caps - Earnings taxes: Accumulation vs pension phase - Non-arm's length income (NALI) and the 45% trap - Division 296: The new tax on super balances above $3M and $10M - Strategies to minimise super taxes throughout your retirement journey Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask speaks with Tony Crescenzi, Executive Vice President and Market Strategist at PIMCO, to discuss: – Why defensiveness is PIMCO’s current strategy – The lessons from over four decades in markets – The concept of a new global monetary order – Where bonds fit for modern Australian investors If you love learning about macro investing, fixed income or market strategy, subscribe to the Australian Retirement Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠! Follow us on ⁠Instagram⁠ and ⁠TikTok⁠ for more investing insights. Topics Covered – Tony’s best non-financial investment & personal reflections – What he looks at each morning to gauge markets – Where this moment ranks in terms of global dislocation – Insights from his books and what his next one might be – Tariffs as a historic experiment & biggest market risks – How he thinks central banks will respond next – The “new global monetary order” and how it’s unfolding – Revising the 10-year yield: what’s changed? – How PIMCO expresses a defensive framework in portfolios – Advice for Aussie investors with equity-heavy portfolios – The future of the 60/40 portfolio model – Why Crescenzi maintains optimism amid macro uncertainty – AI’s potential impact on bond investors & PIMCO – What gives Tony hope and perspective as a long-term investor – What Tony would tell his younger self about markets and life Resources for This Episode ⁠Learn more about PIMCO’s outlook and strategies⁠ ⁠Tony Crescenzi at PIMCO⁠ ⁠Ask a question (select the Retirement podcast)⁠ ⁠Visit TermPlus to learn more⁠ Rask Resources ⁠All services⁠ ⁠Financial Planning⁠ ⁠Invest with us⁠ ⁠Access Show Notes⁠ ⁠Ask a question⁠ ⁠We love feedback!⁠ Follow us on social media: Instagram: ⁠@rask.invest⁠ TikTok: ⁠@rask.invest⁠ DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle a diverse range of retirement topics that matter right now. They kick off with market optimism - CBA is floating around $168, and the hosts ask the provocative question: What if everything goes right? What if Middle East tensions ease, Russia-Ukraine resolves, China stabilizes, and tariff wars end? They also discuss the potential impacts of Australian government policy changes on housing, negative gearing, superannuation, and land tax. The Boomer Briefing covers a crucial development: the ATO is ramping up its use of anti-avoidance laws to target professionals like lawyers, accountants, doctors, and tradies who are using family trusts to redirect income to spouses and children to minimize tax. With AI tools like ChatGPT potentially automating these strategies, the scrutiny is only increasing. Topics Covered Today: - Road tripping to Gippsland and Daylesford - The optimism scenario: What if everything goes right? - ATO crackdown on family trust tax avoidance - AI revolution - What happens when ChatGPT automates tax strategies? - What's happening with AI investments globally - should retirees be invested? Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode was originally featured on The Australian Finance Podcast. In this episode of The Australian Retirement Podcast, Gemma Mitchell is joined by Tahli — educator, retirement specialist and long-time member of the Rask team. After working with hundreds of Australians approaching retirement, Tahli has seen the same patterns over and over again. Most people feel unprepared. Many feel intimidated by the jargon. And almost everyone worries they’ve “left it too late”. This conversation cuts through the noise and gives listeners a clear, calm starting point for planning the next stage of life. Together, Gemma and Tahli unpack what retirement really looks like in Australia, the biggest misconceptions, and the practical steps that matter most in your 50s and 60s. In this episode, you’ll learn: - Why so many people walk away from retirement chats feeling more confused than when they started - How to map out your own personal balance sheet to work out where you stand - Why lifestyle planning is just as important as the numbers - What “asset rich, cash poor” means and why it catches so many retirees by surprise - How Centrelink treats things like granny flat arrangements and family support - The biggest myth about retirement planning and why relying on “it’ll sort itself out” can derail your goals - What to focus on if you're five to ten years away from finishing full-time work - How to engage with your super fund and what questions to ask right now - Why diversification is about more than investment choices — and how different structures can create flexibility later in life - Simple tools and exercises that help people get clarity, including the spreadsheet Tahli uses with her own clients If you’re ready to understand how retirement works, feel more confident, and make the next decade easier to navigate, this episode is for you. Resources for this episode ⁠Retirement Mastery Course⁠ Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Investors Podcast episode your host, Owen Rask, chats with PIMCO portfolio manager Rob Mead on how fixed income / bond investing works, why timing matters and reasons to invest right now. If you like ETF investing, bonds, passive income, managed funds, or the stock market in general, here's what you'll get: - Rob's lessons from 20 years in bonds- Does timing matter? - Why 95% of a bond's return is the starting point - How to understand the 'yield curve' and maturities - Does Rob think now is the best time to invest in 20 years? - PIMCO's new EARN ETF and what it doesIf you like this Australian Investors Podcast episode on ETF investing, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.This podcast is proudly sponsored by PIMCO. Who is Rob Mead? Robert Mead is a managing director in the PIMCO Sydney office and co-head of Asia-Pacific portfolio management. Previously, he was an executive vice president of the PIMCO Group, based between Munich and London. Prior to joining PIMCO in 2003, he was a managing director and head of European fixed income at Citigroup Asset Management based between London and New York.He has 36 years of investment experience and holds an undergraduate degree from University of Technology, Sydney, and a graduate diploma in applied finance and investments from the Securities Institute of Australia. Episode Resources - ⁠View PIMCO ETFs⁠ - ⁠Episode with PIMCO's Kanish Chugh on Active v Passive⁠ - ⁠PIMCO's Aaditya Thakur on Aussie bonds and what an FI manager actually does⁠ Ask a question (select the Retirement podcast) Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Investors Podcast episode, your host Owen Rask speaks with Chris Bedingfield of Quay Global Investors about:– Why real estate is an inefficient market– How replacement cost drives long-term property value– Why global REITs offer diversification Australian REITs can’t– Where today’s best opportunities lie across global property sectorsIf you love learning about property, REITs, global markets and income investing, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube!Follow us on Instagram and TikTok for more investing insights.Topics Covered– Why most investors use the wrong metrics to value real estate– Global vs Australian REITs — major structural differences– How Quay identifies companies trading below replacement cost– Today’s biggest opportunities across housing, storage, senior living and more– Final thoughts on cycles, risk, leverage and staying patientResources for this episodeAsk a question (select the Investors podcast)Visit TermPlus to learn more ⁠Website⁠⁠ Youtube Event⁠⁠ Community Event Link⁠ Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices