Australian Retirement Podcast

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

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth discuss the significant changes to Australia's proposed Division 296 superannuation tax legislation. The government has made substantial amendments to the controversial super tax policy, addressing many of the concerns raised by financial advisers, industry groups, and retirees. The most significant change? The removal of tax on unrealised capital gains - a world-first proposal that would have set a dangerous precedent. Drew and James explain what the original proposal entailed, why it was problematic, and what the new changes mean for Australians with substantial superannuation balances. They also discuss the introduction of a new $10 million threshold, indexation of caps, and the delayed implementation timeline. Whether you're approaching retirement with a growing super balance or already retired and managing your wealth, this episode provides crucial insights into how these tax changes might affect your retirement planning strategy. If you like this Australian Retirement Podcast episode on the Division 296 changes, 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's happening with gold prices and should you be buying gold NOW - Division 296 Tax Explained: The original proposal and its problems - Breaking Changes: Removal of unrealised capital gains tax - Introduction of the $10 million threshold with 40% tax rate - Who will be affected: 90,000 at the $3m threshold, 8,000 at $10m - Outstanding issues with defined benefit pensions 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 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 sits down with David Gardner (co-founder of The Motley Fool and author of Rule Breaker Investing) to discuss: – Beating the market vs indexing – The “lose to win” philosophy and position sizing – The six traits of rule-breaker companies – Conscious capitalism, purpose and culture If you love learning about growth investing and finding outliers, subscribe to the Australian Retirement Podcast on ⁠Apple⁠, ⁠Spotify⁠, or ⁠YouTube⁠! Follow us on ⁠Instagram⁠ and ⁠TikTok⁠ for more investing insights. Topics Covered – Beating the market: why David still believes individuals can outperform and why most don’t try – Lose to win: accepting frequent small losses to capture rare, massive winners (Babe Ruth analogy) – Six rule-breaker traits: top dog & first mover, sustainable edge, strong price action, leadership/backers, brand love, and “overvalued” narratives – Final thoughts & how to learn more: AI’s role in research (not a reason to quit stock picking) and making portfolios reflect our best vision for our future 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 Halloween special, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth share spine-chilling finance horror stories from their years as financial advisers. Happy Halloween! 🎃 While most people are worried about ghosts and ghouls, Drew and James reveal the truly terrifying mistakes they've witnessed in retirement planning. From presenting the wrong portfolios to clients, to $50K call option disasters, property agreements that went wrong, and investors switching to defensive at the market bottom - these real-world horror stories will make you think twice about your own financial decisions. They also tackle the Fed's rate cutting cycle and explain why interest rates are actually more volatile than share markets (spoiler: it's scarier than you think!). Topics covered today - Happy Halloween - it's time for finance horror stories! - The Fed's rate cutting cycle explained - Why interest rates are more volatile than share markets - James’ biggest retirement hauntings - Drew’s scariest retirement mistakes Resources for this episode - 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 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) #retirement #australia 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 expose one of Australia's biggest superannuation scandals and explain what it means for your retirement. With $1.2 billion locked up and nearly 12,000 investors affected, the Shield Master Fund (via Macquarie) and First Guardian (via Netwealth) collapses have sent shockwaves through the industry. Drew and James break down what happened, from aggressive 10-15% return promises and faulty Statements of Advice, to conflicted investment models and "industrial-scale" misconduct. They explain how 'lead generators' and dodgy financial advice referrals drove investments into associated entities and high-risk illiquid assets, why both funds are now frozen without enough money to repay investors, and what ASIC's investigation has uncovered. Plus, they answer a critical listener question: Should you diversify your super across multiple providers to stay within the $150,000 CSLR protection limit? If you like this Australian Retirement Podcast episode on protecting 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 - Log cabins in Bright/Taggerty - the retirement dream? - Understanding the Shield Master Fund collapse (Macquarie platform) - The First Guardian debacle (Netwealth platform) - Similar firms caught up: Venture Egg, United Global Capital - The difference between Shield and First Guardian (but similar problems) - Consumer Scheme Levy Relief (CSLR): $150k per person protection explained Resources for this episode - ASIC's Shield Master Fund investigation page - CSLR information - Ask a question (select the Retirement podcast) Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question or give us feedback 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 #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s the Australian Retirement Podcast’s first birthday! Drew Meredith and James O’Reilly look back on a huge year of markets, headlines, and retirement conversations — from Div 296 and global tariffs to the AI investment boom, Japan ending negative rates, and what the return of Trump could mean for investors. They also answer your most-asked retirement questions: how age gaps affect Age Pension eligibility, what late starters can do to catch up on super, and whether to invest inside or outside super after paying off the home early. Whether you’re 45 or 65, this episode is packed with practical lessons from 60 episodes, 170K listeners and a year of helping Australians retire with confidence. In this episode we cover: – One year of ARP: 60 episodes, 170K listens, 200K YouTube views and what we’ve learned – Market wrap: Div 296, tariffs, AI boom, Japan and Trump’s return yet returns remained robust – How age gaps affect Age Pension eligibility – Catch-up strategies for late starters with low super – Super vs non-super investing after paying off the home 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): Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, host Gemma Mitchell is joined by Ben Kingsley, one of Australia’s leading property investment advisers, founder of Empower Wealth, and Chair of the Property Investors Council of Australia (PICA). Ben, along with his long-time business partner Bryce Holdaway, has just released their third book, How to Retire on $3,000 a Week. Together, Ben and Bryce have built a reputation for simplifying property investing for everyday Australians. They’re also the co-authors of best-selling titles Make Money Simple Again and The Armchair Guide to Property Investing. While Bryce couldn’t join us today, Ben shares insights from their latest work and decades of experience helping investors grow wealth through property. Episode Resources ⁠⁠- Connect with Ben and Bryce⁠⁠ - ⁠⁠Buy their book⁠⁠ - ⁠⁠Buy Gemma’s book “The Money Reset”⁠⁠ - ⁠⁠Ask a question (select the Finance podcast)⁠⁠ ⁠⁠⁠Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question 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)⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, Drew Meredith from Wattle Partners sits down with best-selling author Bec Wilson to talk about her new book Prime Time, why she wrote it, and the 27 lessons for living well in life’s next stage. They also cover how to think about super funds in retirement, the return of the “tick” test, and why lifestyle planning matters just as much as financial planning for those thinking about retirement. Topics covered today: – Prime Time – what it is, and how it differs from Epic Retirement – The 27 lessons for navigating this stage of life – Surprising mistakes people make stepping into retirement – The three phases of the transition to retirement – Lifestyle and social guidance vs. financial guidance – Key resources that can set you on the course to making your retirement the best – Why the best time to start is now Resources for this episode Visit TermPlus to learn more Bec’s resources Bec’s new book Ask a question (select the Retirement podcast) 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 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 #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your host Owen Rask sits down with Kanish Chugh (from PIMCO) to discuss: - The hybrid securities market and why APRA is phasing out bank hybrids – What income investors (especially retirees) should consider in 2025 – The outlook for fixed income, bonds and private credit as interest rates fall – PIMCO’s research-backed strategy for income investors post-hybrids Topics Covered – What are hybrid securities and why APRA is shutting them down by 2032 – What this means for income-focused investors and superannuation strategies – How hybrids work compared to bonds and floating rate securities – The impact of falling interest rates on income investments – PIMCO’s research into 38 hybrids and how it’s building portfolios to match risk-return – Portfolio construction: replacing hybrids with bonds, credit and active income strategies – How to evaluate ETF yields and how PIMCO builds diversified fixed income portfolios – Final thoughts on risk, private credit, and doing your research ~~ Episode Resources ~~ – ⁠PIMCO hybrid analysis⁠ – ⁠Libby Cantrill⁠ – ⁠Visit TermPlus to learn more⁠ ~~ Rask Resources ~~⁠ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) ⁠here⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly unpack the rise of the Bank of Mum and Dad and the tough decisions facing parents who want to help their kids buy a home. Should you gift cash, go guarantor, or use other strategies? They explore the risks and rewards of each approach, how guarantor loans work, and what it means for your retirement and estate plans. Plus, they cover key retirement questions, including how to get tax back before starting an allocated pension and the basics of how estates work. Whether you’re planning to help the next generation or protecting your own financial future, this episode is packed with practical insights. In this episode we cover: – Are more tax changes on the cards from the Productivity Commission? – The pros and cons of gifting cash vs. going guarantor – How guarantor loans work, including the role of LVR (loan-to-value ratio) – The family, financial, and estate planning considerations when helping the next generation – Do this before you switch on your pension Resources for this episode Visit TermPlus to learn more Ask a question (select the Retirement podcast) 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: @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 sits down with Aaditya Thakur (PIMCO) to discuss: – What a bond fund manager actually does – The role of macroeconomic forecasting in fixed income – PIMCO’s multi-layered investment process – Why bonds still matter for investors in 2025 ~~Topics Covered~~ – What a bond portfolio manager actually does day to day – Top-down vs. bottom-up bond analysis – How PIMCO runs global investment strategy sessions – Why bonds offer diversification and income for Aussie investors ~~Resources for This Episode~~ - ⁠Visit TermPlus to learn more⁠ - Pimco Australian bond fund - Pimco ETFs ~~ Rask Resources ~~ 🔗 ⁠Explore all Rask services⁠ 📋 ⁠Get Financial Planning⁠ 📈 ⁠Start investing with Rask⁠ 📜 ⁠Access Show Notes⁠ ❓ ⁠Ask a question⁠ – just select the Retirement Podcast 📲 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. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) ⁠here⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly break down the latest retirement news and what it means for you. They discuss upcoming Age Pension changes, including updates to deeming rules and payment increases, and how these may affect retirees’ cash flow and eligibility. The conversation also tackles the fallout from the collapse of Dixon Advisory, what it says about conflicts of interest in financial advice, and the cancellation of the government’s inquiry into the failed business. Finally, Drew and James share their views on what to watch for when selecting an adviser — from marketing tactics and “low-cost” options to ensuring you’re getting real value and trusted guidance. Topics covered today: Age Pension changes: deeming rules and payment increasesWhat the Dixon collapse means for retirees and advisersThe cancelled government inquiry into adviceChoosing the right adviser: marketing, cost and quality Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Age Pension updates https://www.servicesaustralia.gov.au/how-much-age-pension-you-can-get?context=22526  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  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 co-host James O'Reilly, from Northeast Wealth, talks again with Centrelink guru, Justin Bott from Services Australia. Together they cover the clever steps that can mean a heap more Age Pension, as well as the critical mistakes that Aussies make which reduce - and sometimes completely eliminate - their entitlement. If you like this Australian Retirement Podcast episode, 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 - Using ‘exempt assets’ to boost your Age Pension payment - Declaring super balances in downturns - Is it worth chasing the Health Care Card? - Advanced strategies for Gifting money - Using the Work bonus to earn more money without impacting your entitlement - Valuing your home contents / cars correctly - Declaring changes at the right frequency - How relationship changes can decimate your Pension Resources for this episode - Visit TermPlus to learn more - Learn more about PIMCO - Services Australia website - Financial Information Service - When a self-funded retirement seems impossible - Redbook car valuation tool - Ask a question (select the Retirement podcast) Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question 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) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your co-host James O'Reilly, from Northeast Wealth, talks with Centrelink guru, Justin Bott from Services Australia.  Together they tackle the complex realm that is Age Pension, and outline ways that you can get the highest benefit possible. If you like this Australian Retirement Podcast episode, 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~~ - How does the Age Pension work? - Understanding the Income and Assets test - How does Centrelink know your financial situation? - Breaking down the Family Home Exemption - Gifting money without getting caught out ~~ Resources for this episode ~~ - Visit TermPlus to learn more - Learn more about PIMCO - Services Australia website - Financial Information Service - Ask a question (select the Retirement podcast) ~~ Rask Resources ~~ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question 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) 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 debate whether everyone needs financial advice, tackle catch-up concessional contributions strategies, and compare AustralianSuper's performance against industry fund peers. Plus, Oasis vs Disney cruise decisions and learning to say 'no'! Topics covered today: - Oasis concert vs Disney cruise decisions and not asking for the bill before the end - Is CBA overvalued? - Boomer Briefing: Do you actually need financial advice? (47 and 53-year-old case study) -Direction, strategy, and accountability - when advice becomes about optimization - AustralianSuper 'Balanced' fund performance over 3-5 years vs industry peers - To switch or not to switch: fund suitability, control, and transparency Resources for this episode - This interesting article we talked about: www.link.com.au - Ask a question (select the Retirement podcast): ⁠https://bit.ly/R-quest⁠  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  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 #retirement #australia 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 heartbreaking listener story about potentially losing $94,000 in the First Guardian collapse. Plus, the Boomer Briefing on transaction fees, platform strategies, and knowing when to quit competitive sport! HINT - the time is now If you like this Australian Retirement Podcast episode, 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: - When is it time to quit competitive sport? - Boomer Briefing: Keep an eye on transaction fees (but don't just focus on fees) - Why use a platform? Quarterly reviews, rollovers and deployment strategies - Today's big question: First Guardian super scam - listener loses $94K from $134K balance - Understanding greed-based scams and warning signs - AFCA complaints process and Consumer Scheme Levy Relief (CSLR) Resources for this episode - Ask a question (select the Retirement podcast): https://bit.ly/R-quest  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  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 episode of the Australian Retirement Podcast, James O'Reilly, from Northeast Wealth is joined by RASK Superstar Gemma Mitchell- co-host on the Australian Finance Podcast, financial adviser and now author of the Money Reset. Retirement is one of the biggest money resets Aussies will face – and in this episode, Gemma and James show how life’s disruptions can become powerful turning points when handled with intention. They break down why mindset matters just as much as the money moves, and share stories, strategies and real-world examples to help you step into retirement with clarity and confidence. Topics covered today: - Why retirement is the ultimate money reset for Australians - Defining and adjusting your non-negotiables in retirement - The “sleep at night test” and making decisions you can live with - Why financial flexibility trumps financial freedom - The importance of “Try before you buy” for big purchases and life changes - Plus James and Gemma share lots of great tips and tricks to help you get ready for retirement. If you enjoy this conversation on retirement and money resets, make sure to subscribe to the series on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode - Vote for James in the FS Power50 – show your support here - Buy Gemma’s book “The Money Reset” - Ask a question (select the Retirement podcast) Rask Resources - these are included by default - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question 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) Learn more about your ad choices. Visit megaphone.fm/adchoices