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Welcome to the 360 Money Matters podcast where Financial Planners, Billy Amiridis and Andrew Nicolaou talk all things Financial Planning. This podcast aims to increase your knowledge and confidence with all thing’s money. Each week we will cover topics such as investing, cashflow and budgeting, saving, passive income, debt management, and much more so you can live life on your terms without limits.
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we discuss recent market trends, with a primary focus on the U.S. and Australian economies. We highlight the strong performance of the S&P 500 in May, driven largely by tech giants like Nvidia, which significa…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we talk about two ways people invest their money, active and passive investing. We explain that with passive investing, you put your money in a fund that follows the big companies in a certain market, like the S&P 500. But with active investing, you try to beat the m…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed employee share schemes and their implications. We explored the concept, benefits, risks, tax considerations, vesting periods, and the impact on employees' financial decisions. We also emphasized the importance of understanding the pros and cons of partic…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed the end of the financial year and tax planning tips, focusing on the effective utilization of superannuation. Key points included maximizing contributions, leveraging concessional and non-concessional caps, and using catch-up contributions before deadlin…
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137. Changes to superannuation limits on 1 July 2024
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we explore deeper into the intricacies of year-end tax planning and the impending modifications in superannuation. We broke down significant adjustments like the transfer balance cap set at $1.9 million and the forthcoming increase in concessional contributions to $3…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, Marcel Dybner, a Partner at Besser+Co Estate Agents in Melbourne, recounts his journey starting from a challenging rental experience that steered him towards making a positive impact. Initially focusing on sales, he entered property management before joining Dion at …
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss asset protection strategies concerning personal and business finances. We stress the importance of segregating personal and business assets to shield against risks like creditors or business failures. Utilizing trusts, companies, superannuation for asset p…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss rentvesting, a strategy where you rent your home while investing in other properties for income. This approach provides flexibility in your living situation while potentially generating returns from your investments. We discuss the tax advantages, such as …
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we discuss the latest trends in global investment markets. We examine the S&P 500's decline of 2.47% and its connection to inflation, which came in at 0.4%, while addressing the shifts in interest rate expecta…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed the concept of being asset-rich but cash flow-poor in the context of retirement. The accumulation of assets without sufficient income, due to tax considerations, can lead to challenges during retirement. The options presented included liquidating assets …
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed getting the most out of age pension. We talk about who can get it, how it's been changing, and how the government decides who gets it based on what you own and earn. We also share tips on how to maximise the age pension also! Furthermore, we explain that…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed equity in property, focusing on its calculation, utilization, and implications. We explained equity as the difference between the property value and the debt owed, influencing the loan-to-value ratio (LVR). An LVR above 80% may incur mortgage insurance c…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we advise listeners like Danielle, who has settled on a property and mortgage and wants to know what some of the things are that she should be considering next. We stress the need for a cash flow management strategy to ensure affordable mortgage payments and achieve …
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss the F.I.R.E (Financial Independence, Retire Early) movement. We explain that this movement encourages people to retire early and achieve financial independence by saving and investing a large portion of their income. Additionally, living a frugal lifestyle…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss personal insurance and the benefits of holding it inside or outside of superannuation. We explore different types of insurance covers, such as life insurance, permanent disability, income protection, and trauma insurance. We also discuss the increasing res…
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we discuss the intricate dynamics of the global economy and its effects on financial markets. Observing the impressive growth in the US market despite minimal macroeconomic updates, we discuss the need for pol…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we're talking about Victoria's new land tax changes. The Victroian government has introduced increased land tax for a ten-year period starting in January 2024 to repay Covid debts. But some people aren't sure if these taxes will stop after ten years. This affects pro…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we're talking about putting money into your super, breaking it down into two types: concessional (before tax) and non-concessional (after-tax). We discuss the tax advantages, contribution limits, and strategic considerations for both types. We’ll be giving some worke…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we explore estate planning, dispelling the misconception that it's solely about who will inherit your assets. We stress the need for professional assistance in creating a valid will to document wishes accurately. We also highlight concerns regarding inheritance taxat…
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we discuss the US market reaching all-time highs and a strong GDP growth of 3.3%, along with the potential interest rate cuts in the US and Australia. We also talk about Australia's controversial stage three t…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we dig into the concept of negative gearing in property investment. We define negative gearing as incurring an income loss on a property with the anticipation of capital growth. Additionally, we provide an example to illustrate how it operates and highlight that depr…
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120. Investing Through a Trust or personally
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss the pros and cons of investing in your own name versus a trust. We focus on two commonly utilized types of trusts: unit trusts and discretionary/family trusts. Unit trusts distribute income based on ownership of units, while discretionary trusts allow for …
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss investment bonds, explaining that they are: a tax-effective vehicle for investing money. The income associated with the investment is paid within the bond and taxed at a maximum rate of 30%, which can be lower than an individual's taxable income. If the as…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss the difference between income and capital growth assets. We explain that capital growth refers to the increase in the value of an asset over time, while income is usually received in the form of dividends or rent. We also mention that these principles appl…
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we're diving into the recent inflation data in the US and the impact that this has had on the stock market as well as the interest rate expectations for next year. Unemployment in Australia has also been a big…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss tips for managing Christmas spending. We emphasize the importance of setting a budget to avoid overspending, as well as saving throughout the year specifically for Christmas expenses. We recommend avoiding credit card debt by not relying on credit for purc…
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115. Young and Considering Superannuation
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss a listener's query regarding factors to consider while contemplating superannuation at a young age. We emphasize that starting early and making small extra contributions regularly can make a huge difference. Additionally, we clarify that a superannuation t…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss how important buy-sell agreements are for partners in businesses. We emphasize that these agreements are essential for settling potential disputes about the transfer of shares in the event that one partner dies or becomes unable to work. This includes lega…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed the transition to retirement strategy. Originally designed to be able to allow people to access their superannuation whilst not fully retired. However for those over 60 and still working, utlising this to save money on tax can be a very effective strateg…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we explore the utilization of superannuation to purchase property within a self-managed superannuation fund. We place strong emphasis on the importance of diversification when investing in property through superannuation funds. Placing all retirement income into a si…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we are joined by our guest, Bruce Williams, a portfolio manager and co-founder of Elston. We explore various topics related to the economy, inflation, interest rates, and their impact on different demographics. Bruce explains that inflation is proving to be stickier …
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110. How Much Money Do you Need in Retirement
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we talked about retirement. We stress that, unlike an abrupt event, retirement is a transition, with most people progressively cutting back on their work hours before officially retiring. The sum of money required for retirement varies depending on your lifestyle and…
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we are going to talk about economic data that has come out. We start off with conflicting economic data coming out of the US and how it has affected the stock market. We’ll also talk about the Chinese property…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed how to legally minimize your taxes. We mentioned the complexity of Australia's tax code and how you can utilise this to help bring down the amount of tax that you are paying. We’ll discuss things like; additional super contributions, negative gearing, fr…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed investing in shares or taking those funds and investing it in property. Each asset class has its own benefits and there is no one size fits all. It’s important to consider the benefits of each investment type in order to leverage these benefits in your o…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss investing and how to overcome the anxiety and trepidation that come with it. We answer a question from a listener who wants to start investing but is unsure where to begin and had some fear in taking this next step. We emphasize the importance of education…
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we discussed the performance of share markets both domestically as well as internationally. Furthermore, we will discuss the likelihood of avoiding a recession and the ‘soft landing’ scenario. Given the strong…
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104. What's the Outlook of Interest Rates
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we will discuss the outlook for interest rates. Here we point out that interest rates have been held steady for the past two months, which has caused some people to wonder if they may decrease. In this episode, we will talk about the mechanisms that impact interest r…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed debt recycling, a method of turning owner-occupied debt that is not deductible into deductible debt in order to pay off your mortgage quicker. By withdrawing equity from a property and using it for investments, debt can be transformed. The debt that is n…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discussed whether to pay down debt or invest surplus money. We highlighted that with higher interest rates, people are paying more attention to their debts and also their cash flow. In turn, people are questioning whether they should be putting more money towards …
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this podcast episode, we discussed what has been happening in financial markets over the last 12 months. We mentioned that both the US and European Central Banks have raised rates, however signaling a possible end to rate h…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we are celebrating reaching our 100th episode. Therefore, we will be discussing a high level summary of how you can get your finances back on track. We will emphasize the need for a solid cash flow plan to ensure financial stability and highlight how it underlies all…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we talked about getting into your first property. We provided a checklist for first home buyers, emphasizing the importance of doing thorough research, knowing the process of buying a property, and getting a pre-approval before looking at properties and much more! Th…
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we discuss asset protection and the importance of early planning to shield assets from potential creditors. We explore strategies such as separating personal and business assets, using trust structures, considering different ownership entities, and even transferring …
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97. Getting Started on your Wealth Journey
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, the topic is born out of a question that was asked by one of our listeners. A listener had reached out and wanted to know what they could do early in their wealth journey to set themselves up financially. It can sometimes feel like you need to be earning a lot of mon…
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we will be discussing what has been happening with financial markets. We start off by examining the current state of the US economy, noting mixed data but a strong job market. There is increasing confidence am…
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95. Insights and Lessons: What We Wish We Knew in our Younger Years
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we talked about the things we wish we knew in our younger years, starting with finances and health. These two aspects are quite correlated because if you get your health right, you'll never have to worry about spending a bunch of money on correcting bad habits later …
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94. Setting Yourself up for a Successful Financial Year
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we will discuss setting yourself up for success in the new financial year. The first topic we will dive into is reviewing your budget as it’s an integral part to getting on top of your finances. It's crucial to ensure that your budget is as accurate as possible and r…
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93. Foundations for Financial Success with Special Co-host Patrick Nong
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode, we will discuss the foundation of financial success and what it takes to achieve it. To achieve financial success, the building blocks are money management and understanding financial literacy. We also cover the importance of having a cash flow management system in p…
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92. Retirement Debt & Wealth with Special Co-host Patrick Nong
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Welcome back to another episode of the 360 Money Matters Podcast! In this episode we have a special co-host Patrick Nong - Financial Adviser and Partner at 360 Financial Strategists.. We discuss the delicate balance between debt repayments vs wealth accumulation for retirement. We explore various strategies, such as increased superannuation investm…
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