The Money Puzzle, with James Kirby

It might seem like only yesterday that rates were supposed to be coming down but the news changes fast: This week's inflation data has already prompted calls for RBA rate rises. One of the loudest calls comes from this week's guest... who should know - he's an expert in fixed income markets. In today's show we cover: Where to now for fixed income and bonds?  The limits of exchange-traded funds What happens to 'big super' when everyone is on a pension? Why we undervalue cash  Christopher Joye of Coolabah Capital Investments joins wealth editor James Kirby on today's episode  See omnystudio.com/listener for privacy information.

For renters it’s been tough, for property owners it’s been plain sailing as rents grew in double digits last year. With slowing immigration intake and some easing of wider pressures, rent increases are not going to stay at those high levels.Where do rents go from here? In todays show we cover : The changing outlook for rental growth Why Melbourne and Hobart will struggle to keep pace Brisbane property powers ahead Budget hopes for HECs-laden home buyers  Nerida Conisbee, chief economist at the Ray White real estate group joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

June 30 this year is a unique tax opportunity for the simple reason your tax bill in FY 2024 is very likely to be higher than FY 2025: That means the deductions are better if you get them sorted in the next two months. In today's show we cover: The outstanding ways to save tax this year Making the most of the looming tax cuts Handbags and guard dogs - some unlikely deduction opportunities Choosing a trading platform  Dr Adrian Raftery aka Mr Taxman joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

What does the property market look like to Gen Z? The generation born after 1997 that takes a one percent vacancy rate as 'normal'; The people who get 100 applicants for a spare bedroom in a shared house. They have a different story but it is a story we all need to know. In today's show we cover: The realities of property investment for Gen Z Exploring the opportunities of being a 'rentvestor'* Using super for buy a home Is the office sector rout over? Sarah Petty real estate reporter for the News Ltd network joins wealth editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

The average HECs student debt is now $26,500 and rising rapidly. Once upon an inflation-free time HECs hardly mattered, now it matters a lot. Worse still, the way HECs is managed by the government is antiquated and unfair to former students. Meanwhile, banks use the debt to reduce your borrowing capacity. No wonder there is a push to change the process. In today's show we cover: Why more than 200,000 people are pushing for change in student debt How to manage your HECs situation  Expanding an SMSF to include six people Is leasing an electric car a better way to go? Advisor James Wrigley of First Financial joins wealth editor James Kirby in this episode.See omnystudio.com/listener for privacy information.

As the economists continue to push their rate cut forecasts further out, it is now distinctly possible we will not see interest rate cuts this calendar year. What does it mean for the property market and your borrowing plans? In today's show we cover: The reality of higher-for-longer interest rates Will commercial property problems spill over into the residential sector Searching for multi-asset funds outside of super Getting to know the 'six year' CGT primary residence exemption rule. Dr Doug Turek of Minchin Moore Private Wealth joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

It might be hard to believe but the key numbers for both personal tax and super contributions are going to change again on July 1 2024 - Now is the time to make your plans.In today’s show, we cover: How to position for lower personal tax rates Catching up with planned super contribution changes Investing based on demographics  Do share market index funds offer diversification any longer? Financial adviser James Gerrard joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

It's the biggest financial challenge for the new generation - how to get a toehold in the property market. In today's episode we cover   The first steps towards buying a property Considering the 'rentvest' strategy Should super be available to home buyers Getting to know the '6-year rule' for your home and CGT  John Pidgeon of Solvere Wealth and the This is Money podcast joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The ASX just hit a new record and the markets are on a roll: So what should investors be looking for? AI-themed technology stocks and - believe it or not - consumer discretionary companies, says fund manager Roger Montgomery.   In today's episode, we cover:  Why is the share market on a bull run? AI hopefuls - Macquarie Technology and Megaport  Consumer favourites - Lovisa Jewellery and ARB  Does Bunnings have too much power? Fund manager Roger Montgomery of Montgomery Investment Management joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The promise of the investment property that 'pays for itself' is all too common in the property market and all too difficult to locate in practice. Is positive gearing feasible with high rates and low rental yields?  In today's show we cover: Positive gearing - The fading prospect Bad behaviour among buyers advocates Using Federal and State home buyer grants in tandem When advice lets you down  Real estate advisor Cate Bakos joins wealth editor James Kirby in this episode.  See omnystudio.com/listener for privacy information.