Australian Retirement Podcast

Will Australian property prices recover in 2027—or is another round of rate pressure still ahead? In this Australian Retirement Podcast episode, Owen Rask sits down with Chris Bates, mortgage broker and co-host of the Australian Property Podcast, to explore how the housing cycle affects retirees, parents helping adult children and first-home buyers. Chris explains why any rebound depends heavily on interest rates and why a national headline can hide very different conditions in Sydney, Melbourne, Brisbane, Perth and Adelaide. They discuss fewer quality listings, housing supply bottlenecks and why buyers can lose negotiating power before reported prices show a turn. For parents and grandparents, the question is bigger than timing the market. They unpack the ‘bank of mum and dad’: gifting versus lending a deposit, what happens if a relationship breaks down, and why helping someone buy the wrong property could create new risks. They also examine the 5% deposit scheme without assuming a smaller deposit makes every home a good purchase. If retirement is approaching, Owen and Chris consider whether to keep an investment property, support family now, improve a home-loan buffer or talk to a specialist about broader options. Quality, cash flow and the structure of any family assistance matter as much as a price forecast. Listen for a practical conversation about preparing for uncertain rates, spotting the property decisions within your control and asking better questions before making a move. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe 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 The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision. Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk. The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you leaving retirement to chance—or letting an assumption quietly shape a decision you may regret? In this episode of the Australian Retirement Podcast, Owen Rask and financial adviser Tahli Cavagnino turn seven common retirement mistakes into practical questions you can ask today. They begin with planning too late: why waiting until 60 can leave less time to adjust your savings, super and spending expectations. From there, they question the idea that property will always deliver the same growth and income, especially if too much wealth is tied up in one asset. Owen and Tahli look at the risks of carrying debt into retirement without a repayment strategy, reacting too quickly to tax headlines, and counting on shares to deliver a fixed return every year. They explain why understanding trade-offs and diversifying across assets matters more than predicting exactly what markets or policy will do next. They also tackle the quieter mistake of doing nothing because the choices feel overwhelming. A smaller first step—checking your super, reviewing debt or mapping a retirement budget—can be more useful than waiting for a perfect plan. Finally, they explore why retirement costs are rarely a straight line: travel, health and aged care can arrive at different times. Planning for later-life expenses matters, but so does giving yourself permission to enjoy the years you have now. Listen for a calmer, more flexible way to prepare for retirement without letting fear make every decision. Episode resources – ⁠⁠ASFA Comfortable Retirement Standards⁠ – ⁠Rask Wealth Checker – ⁠Ask a question (select the Retirement podcast)⁠ Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe 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 The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision. Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk. The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, Owen Rask sits down with Kanish Chugh from PIMCO to explain why bonds are back — and how retirees can build income without asking one asset to do every job. After a decade in which low interest rates pushed many Australians towards shares and property, fixed income is offering a more meaningful source of income again. Owen and Kanish compare bonds with term deposits, franked dividends and hybrids, then unpack how government and corporate bonds can contribute income, liquidity, diversification and capital stability. They also revisit the classic 60/40 portfolio. What happens when the “forgotten 40%” starts working again? And why do professional investors often prefer active management in bonds even when they use index funds for shares? The conversation covers the risks that matter most in retirement: inflation and purchasing power, sequencing withdrawals during market falls, concentration in property or equities, liquidity, and the possibility that retirement lasts 20 to 30 years. Kanish also explains why each part of a portfolio should have one clear job, with a growth engine and a separate income engine. If you’re approaching retirement, already drawing an income, or reviewing whether your portfolio is genuinely retirement-ready, this episode offers a practical framework for balancing reliable income, long-term growth and risk. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe 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 The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision. Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk. The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907. Learn more about your ad choices. Visit megaphone.fm/adchoices

What actually happens to your super when you retire? ⁠Try our free wealth checker tool⁠ ⁠Get financial advice⁠ It sounds like there should be a giant red button that says “retirement mode” — but, as usual with super, it’s a little more paperwork-y than that. In this episode of The Australian Finance Podcast, also shared on The Australian Retirement Podcast, Owen is joined by Tahli Cavagnino, Senior Financial Adviser and co-head of financial advice at Rask Advice, to unpack what happens to your super as you move towards retirement. General advice warning: This episode contains general information and general advice only. Please consider your own circumstances and seek professional advice before making financial decisions. We cover when you can generally access your super, what “pension mode” actually means, how super can be taxed before and after retirement, and some of the big trade-offs people face as they approach retirement. Plus, we answer listener questions on indexed versus active high growth super options, whether people typically change funds when moving into pension phase, and whether you still need an emergency fund once you can access your super. In this episode – Owen’s news of the week: why you shouldn’t rush changing super funds – The importance of reading the PDS/TMD and checking the AFSL before acting – When Australians can generally access their super – What it means to turn your super into “pension mode” – Is it a button, a form, a phone call — or all of the above? – A simple overview of tax on super before and after retirement – Why defined benefit funds can be different – Minimum pension drawdown rates explained – Do most people withdraw only the minimum from super? – The retirement mortgage question: super versus debt – Super versus investing outside super if you want to retire before 60 – Indexed high growth versus active high growth super options – Whether different super funds suit different life stages – Whether you still need an emergency fund once super is accessible Listener questions – Hot Takes: “For a long-term investor choosing a high growth option inside super, what should they think about when comparing indexed high growth and active high growth managed by the super fund?” – Barren Jo: “You’ve mentioned that different style super funds may suit people at different stages. Can you explain this more? Do people typically change super funds when switching to pension mode, and if so, why?” – WannabeWhale: “Is an emergency fund necessary when you have access to your super?” Episode resources – ⁠Rask Retirement Academy⁠ – ⁠Free report: 5 ways business owners can get back 5 hours a week using AI⁠ – ⁠Join the free Rask newsletter and platform⁠ – Ask a question (select the Retirement podcast) Want to keep learning? If you’re trying to get your money sorted — without needing a finance degree and three coffees — ⁠⁠join the free Rask newsletter and platform⁠⁠ You’ll get practical money lessons, investing explainers, retirement resources and tools to help you make better financial decisions over time. Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe 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 The information in this episode is provided by The Rask Group Pty Ltd and contains general financial product advice only. It does not take into account your objectives, financial situation or needs. Before acting, consider whether the information is appropriate for you and consider seeking personal advice from a licensed financial adviser. You can read our Financial Services Guide at www.rask.com.au/fsg. If a financial product is mentioned, consider the relevant PDS and TMD, where applicable, before making any financial decision. Past performance is not a reliable indicator of future performance. Returns are not guaranteed and capital may be at risk. The Rask Group Pty Ltd is a Corporate Authorised Representative No. 1280930 of Rask Licensing Pty Ltd, AFSL 563 907. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Australian Retirement Podcast, Owen Rask sits down with Ryan Dinsdale from Deposit Power to unpack a part of the property journey that can quietly shape retirement decisions: how downsizers bridge the gap between selling one home and buying the next. Ryan explains why the real challenge is rarely just finding the right property. It is timing the two transactions, freeing up enough equity, and avoiding a rushed decision that leaves cash sitting idle or forces a more expensive financing option. The conversation compares the usual paths people think about, including selling first, buying first and using a bridging loan, before breaking down how a deposit bond works as an alternative. They also explore when a deposit bond may suit retirees and pre-retirees buying off the plan, bidding at auction or trying to keep money in an offset, investments or super for longer. Just as importantly, Ryan walks through the trade-offs, the application process, the fee structure and the safeguards that help buyers understand what they are actually signing up for. If you are thinking about downsizing, helping family move, or simply want a clearer way to think about deposits, liquidity and flexibility, this episode will give you a practical framework to start with. This episode was proudly sponsored by Deposit Power. Episode resources – ⁠Deposit Power website⁠ – ⁠Deposit Power fee calculator⁠ – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe 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