Masters of Finance Podcast with Chris Haggart & Alex Hont

Following on from our mini-series in 2020 on the future trends and investment impacts, we have a look at some of the tools you can use in portfolio construction to gain exposure to some of those trends. In this episode, Alex is joined by Michael Brown from Betashares Exchange Traded Funds to talk about some of the tools available to get some exposure to the megatrends of Climate Change Innovation, Robotics, Artificial Intelligence, Cloud computing, and Cybersecurity.    More info on the host    www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

Following on from our mini-series in 2020 on the future trends and investment impacts, we have a look at some of the tools you can use in portfolio construction to gain exposure to some of those trends. In this episode, Alex is joined by Damon Gosen from VanEck Vectors to talk about the clean energy revolution, the rise in Gaming and eSports, how the Chinese economy is changing, and discuss why the factor of Quality should be considered in portfolios.  More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

In this episode of the Masters of Finance Podcast, Alex is once again joined by Dr. Paul Moran to go through some of the changes that have been announced for the Australian superannuation system. We have a look at Downsizing, increases in contribution caps and the changes to everyone's favourite work test.  Some of these will take effect from the 1st of July 2021, others will only come into effect on the 1st of July in the financial year following Royal Assent is granted (which really means 1 July 2022 at the earliest). "Change, Change, Change is gonna happen sometimes, so just remember the good times" - Sticky Fingers, Helping Hand 2009 More info on the host   www.mastersoffinance.com.au To email us directly        masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

Following on from our mini-series in 2020 on the future trends and investment impacts, we have a look at some of the tools you can use in portfolio construction to gain exposure to some of those trends. In this episode, Alex is joined by Ganesh Balendran from ETF Securities to talk about how all that glitters is gold and some of the cooler and niche investment options they have in their stable.  More info on the host   www.mastersoffinance.com.au To email us directly       masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

In this episode, we go into detail about the mechanics of bond yields and talk about how changing bond yields and their impacts on risk premiums can influence share prices.  There is also a short faux interview with Jonathan Pain with the audio taken from his presentation at the Portfolio Construction Forum Markets summit earlier this year (a big thank you to the Portfolio Construction form for allowing me to use the audio).  More info on the host  www.mastersoffinance.com.au To email us directly       masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

in this episode of the #mastersoffinancepodcast Alex is once again joined by Dr. Paul Moran to delve into the mysterious world of Self Managed Super Funds (SMSF's). While these have a lot of similar characteristics to normal super funds, there are some particularly appealing differences and benefits, if they fit your situation. #havealisten More info on the host              www.mastersoffinance.com.au To email us directly                  masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

For those that loved our podcast titled Biased Much?, here is the follow-up with DR Paul Moran. Paul has completed his doctorate in behavioral finance which looked at whether investors behaved rationally based on their beliefs, and were their beliefs rational in the first place? #havealisten Find out more about Paul Moran at https://www.moranfp.com.au/ or find him on LinkedIn.    More info on the host            www.mastersoffinance.com.au To email us directly                 masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

If you are thinking of becoming a parent, whether for the first time or once again, and you are worried about how to make the family finances work, then #havealisten to this episode.  Alex is joined by Steve Crawford from Experience Wealth who had the same challenges when starting his family and basically built a business around how to manage cash flow. This episode focuses on financially preparing for a family, as the host is just about to welcome a new member to the brood.  You can find out more about Steve and Experience Wealth at https://experiencewealth.com.au  More info on the host   www.mastersoffinance.com.au To email us directly       masters@mastersoffinance.com.au Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

In this episode of the #mastersoffinancepodcast we have a look at Modern Monetary Theory which basically says the government deficits are lot less relevant than a household deficit because they can pay their debts with the money they print. There's a lot more to it than that and we have a look at why the purpose of deficits matter and some interesting policy ideas for governments of the future. #havealisten Links to things mentioned in this episode: MUST WATCH - Clarke & Dawe – Quantitative Easing (1 min) - https://www.youtube.com/watch?v=j2AvU2cfXRk Between universalism and targeting: Exploring policy pathways for an Australian Basic Income - https://journals.sagepub.com/doi/10.1177/1035304620964272   More info on the hosts          www.mastersoffinance.com.au To email us directly                masters@mastersoffinance.com.au Follow us on Facebook          https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering ensuring the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

As we finish up our Future trends and Investment Impacts series, we go through some of the thematic ideas that could be incorporated into your investment portfolios or superannuation to benefit from some of the trends we have discussed over the last 4 episodes.    To see the results of the RIAA 2020 Benchmark report mentioned in this episode, you can download the report here.   More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

This is the fourth episode of our #mastersoffinancepodcast miniseries that looks at what the future may hold. This time we are discussing how Cryptocurrency is going to change the way we handle our money. #havealisten to learn more about what Cryptocurrency is, how it's regulation is changing, which central banks are developing their own and when we will see this filter down significantly into our everyday lives.     More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read, and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services, and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

This is the third episode of our #mastersoffinancepodcast miniseries that looks at what the future may hold. This time we are discussing how Artificial Intelligence is going to change the way we live and work #havealisten to hear how we think AI will become more and more a part of our everyday lives.   More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read, and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services, and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

This is the second episode of our #mastersoffinancepodcast miniseries that looks at what the future may hold. This week we discuss the impact of de-globalisation and what this could mean for our lives, from the way we get from A-to-B to how we utilise 3D printing. In light of COVID-19 are we looking toward a future of more Australia-based suppliers? #havealisten More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read, and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services, and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

While in lockdown here in Vic we've had time to think about what the future might hold for the new world post COVID-19. We're kicking off a miniseries on the #mastersoffinancepodcast we were looking at future trends and the investment impacts. First up we are looking at the future of transport and thinking about what the electrification of transport might mean as well as the impacts of self-driving cars. #havealisten More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read, and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services, and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

In this #mastersoffinancepodcast special guest Paul Benson joins us to discuss the difference between Financial Autonomy and Financial Independence, why Financial Autonomy is better, and how to achieve it. #havealisten More info on the hosts  www.mastersoffinance.com.au To email us directly        masters@mastersoffinance.com.au Follow us on Facebook  https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

As we make our way through the second half of 2020, many of us have found the increased down time due to COVID-19 has allowed us to “take stock” of our lives and consider what the future may hold. In this episode of #mastersoffinancepodcast we dive into productive goal setting using a S.M.A.R.T. method that encourages you to dream big. #havealisten More info on the hosts  www.mastersoffinance.com.au To email us directly        masters@mastersoffinance.com.au Follow us on Facebook  https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

The times that we live in! In the midst of the global pandemic which feels like in our little world, is centred on Melbourne, we unpack our best tips for managing your money during the Coronavirus pandemic. In this episode of the #mastersoffinancepodcast we discuss things you should think about with your investments, who to become really good friends with, who you should listen to or not listen to, and how to not let your eyes become bigger than your wallet. #havealisten

In light of the recent COVID-19 lockdowns that created significant barriers to social interaction, exercise and being outdoors in general, focus on mental health has become more important than ever. In this episode of the #mastersoffinancepodcast we look at how our mental health and financial wellbeing are intrinsically linked, while exploring methods to ensure optimal health in both areas. Do you want to hear about what your mental health could be doing to your finances? #havealisten   Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

In this episode of the #mastersoffinancepodcast we delve into the mysterious things known as investment bonds or insurance bonds. We breakdown how these tax structures can benefit you for things like an early retirement but also look at some specialised versions where you can potentially claim all your tax back if you're using it for education costs. #havealisten   More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

With everyone stuck at home and working from home due to the COVID-19 pandemic, #havealisten to this episode of the #mastersoffinancepodcast for some tax tips on how you can claim the most of your working from home expenses at tax time. More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

What's with all the negativity? Interest rates or bond yields have gone negative. Oil prices have gone negative. Where are the optimists among us?  In this episode we have a look at how bond yields can go negative and what the implications these anomalies have on some specific sectors and the overall economy. There is even a mention of a mortgage with a negative interest rate! We also dive into the recent negative spike in Oil prices and wonder at how can the price of something that you buy to consume turn negative? More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

With the arrival of COVID-19 to disrupt our economy and way of life, the Australian government have announced that people who have lost their job or seen a reduction in their income or hours worked, can apply to access up to $20,000 of their superannuation savings.  But is this actually a good idea? In this episode of the #mastersoffinancepodcast we explore some of the consequences of accessing your super early and attempt to quantify what this could mean for your balance over time. #havealisten

We follow the last episode of the #mastersoffinancepodcast with one aimed at going through the support measures available for individuals who need assistance amidst the COVID-19 pandemic and effective shutdown. Have a listen to see if you might qualify for any of the initiatives on offer. More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

In this episode of the #mastersoffinancepodcast we look at some of the government assistance measures available amidst the COVID-19 pandemic and effective shutdown. If you are an employer or a Sole trader then this one is for you. More info on the hosts    www.mastersoffinance.com.au To email us directly          masters@mastersoffinance.com.au Follow us on Facebook    https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

The Coronavirus or COVID-19 has caused chaos and fear around the world and the sharemarkets have certainly not escaped the shocks. Social distancing is becoming a term we are all familiar with and Chris and Alex recorded this episode from separate locations for the first time ever.  If you are wondering how the virus is impacting the economy and investment markets then #havealisten to this episode of the #mastersoffinancepodcast to find out whether we think it is an over reaction, where interest rates might be in several years time as a result of the current conditions and some suggestions on how to think about investments and portfolios from this point forward.   More info on the hosts  www.mastersoffinance.com.au To email us directly  masters@mastersoffinance.com.au Follow us on Facebook  https://www.facebook.com/moranfp/   Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

There is change in the winds and it is rolling in like a storm set to hit at the end of March 2020 and will be brutal for self-employed people. The Australian Prudential Regulation Authority has scolded the naughty insurance companies for making big losses on their income protection insurance policies and has changed the rules around what type of income protection insurance contracts they can offer. Have a listen to this episode of the #mastersoffinancepodcast to find out what the changes are that are coming. More info on the hosts   Ü www.mastersoffinance.com.au To email us directly         Ü masters@mastersoffinance.com.au Follow us on Facebook   Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

Want to get into the property market but can’t afford to buy where you want to live? Rentvesting might be your ticket to having it all. On this episode of the #mastersoffinance podcast we talk about how a rentvesting strategy works and how you can benefit from it. Stay tuned to the end for our masterful tips on what we have learned from personal and professional experience. Have a listen! More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

Climate change is very much front of mind at the moment after the horrendous bushfire season we are in the middle of here in Australia. It is starting to make its way into the decision-making process of investment firms and fund managers as key drivers of long-term profitability. On this episode of the #mastersoffiancepodcast we take an in depth look at the current investment landscape, dissect another 3-letter acronym in ESG factors (Environmental, Social & Governance) and look at how you can incorporate some principles of responsible investment into your portfolio. Have a listen!     More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Check out these websites mentioned in the episode Ü https://www.unpri.org/   http://www.climateaction100.org/   https://responsibleinvestment.org/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.  

Welcome to our summer miniseries called #moneyforjam on the #mastersoffinancepodcast.   Part 3 of our miniseries has a look at the economic benefits of solar PV systems for retirees and how hugely beneficial they can be for people on a part Age Pension Have a listen!   More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering, to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

Welcome to our summer miniseries called #moneyforjam on the #mastersoffinancepodcast. Part 2 of our miniseries goes back to look at how you can get free money from the government by way of the co-contribution. There aren’t many of these opportunities around so make the most of while you can! Have a listen!   More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering, to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

Welcome to our summer miniseries called #moneyforjam on the #mastersoffinancepodcast. In this first part we are looking at how you can look like the caring partner and boost up your spouse’s super balance by making a spouse contribution (while secretly doing if for your own benefit by way of a tax offset).Have a listen! More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering, to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.

Are you worried that you will run out of money when you stop work? In this episode of the #mastersoffinancepodcast we delve into how to make your portfolio last longer and ride out any periods of negative returns. We explore the idea that the sequence of the returns experienced by your portfolio has a huge impact on how long your money will last and what has been considered as the safe amount you can withdraw to try and avoid running out of money. We have also spent many years researching and creating a strategy to limit the impacts of the risks with negative returns in the early years of retirement which we discuss along with a real world example of how this worked through the Global Financial Crisis of 2007-2009. Have a listen. To look at the example data we used for our comparison of portfolio A & B when comparing the impacts of sequence of returns, head over to https://creativeplanning.com/blog/never-enough/ where Ryan Swarts of Creative Planning has a great blog post on the subject along with the example. More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products and services on this podcast for entertainment & illustration purposes only. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation.  

When is the right time to retire? Plenty of people will say 'As soon as possible' but is that always the right time? In this episode we look at some of the issues of when let your job define you and what happens when you no longer have the job. We discuss some pitfalls of retiring too early as well as leaving it too long and finish with some tips to make the transition easier. Have a listen. www.moranfp.com.au

In this episode of the #mastersoffinancepodcast we delve into some of the biggest mistakes we see people making with their money management and also talk about some of the strategies you might use to avoid them or fix them. Do you: overspend? Hate paying your insurance? don’t know where your super is? or only make minimum mortgage repayments? Then this is podcast is for you!   www.moranfp.com.au

Part 3 of our Estate planning special coming at ya! Have a listen to the final episode with Lav Chhabra of Perpetuity Legal where we look at some case studies of when a simple will did not provide the right outcomes for people as well as some of the issues to consider when planning the transfer of assets of a Self-Managed Super Fund.   Have you nominated someone to hold your Power of Attorney? Find out why it could be important and also some of the limitations that a Power of Attorney is constrained by.   If you would like to get in contact with Lav please visit www.perpetuitylegal.com.au where you can find more information about him and the firm along with all his contact details.   For more information on anything you have heard in this podcast or any previous episodes, please head on over to www.moranfp.com.au to get in touch with Alex or Chris.   The material and information discussed in this podcast are for general information purposes only. You should not rely upon the material or information in this podcast as a basis for making any investment, legal or any other decisions.   Whilst the podcast hosts, guests and any entity with which they are associated endeavour to make sure that the information presented is factually correct, we have not factored in anyone personal circumstances and make no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, suitability or availability with respect to the discussion or information, products or services for any purpose.  Any reliance you place on such material is therefore strictly at your own risk.

We are back with Lav Chhabra of Perpetuity Legal for part 2 of our estate planning special on the #mastersoffinace podcast. The first time around we covered some of the really important points and roles of a will but in this episode we have a look at some of the more complex situations.   Are you part of a blended family? Have you made adequate provision for everyone in your will? What eve is ‘adequate provision’? If these are questions you can’t answer then have a listen for some hot tips to solving these problems along with how we can get the most out of a testamentary trust for your estate and beneficiaries.   If you would like to get in contact with Lav please visit www.perpetuitylegal.com.au where you can find more information about him and the firm along with all his contact details.   For more information on anything you have heard in this podcast or any previous episodes, please head on over to www.moranfp.com.au to get in touch with Alex or Chris.   The material and information discussed in this podcast are for general information purposes only. You should not rely upon the material or information in this podcast as a basis for making any investment, legal or any other decisions.   Whilst the podcast hosts, guests and any entity with which they are associated endeavour to make sure that the information presented is factually correct, we have not factored in anyone personal circumstances and make no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, suitability or availability with respect to the discussion or information, products or services for any purpose.  Any reliance you place on such material is therefore strictly at your own risk.

Some new legislation that has recently come into effect allows people some extra flexibility to convert one of their most valuable assets, their home, into additional capital for tax free retirement income. In this episode we go through the new Downsizing rules and talk about how this can help you improve your quality of life in retirement. If you are an empty nester and no longer need the big family home, this one is for you. www.moranfp.com.au

In this episode Chris and Alex are lucky enough to be joined by Lav Chhabra, owner and founder of Perpetuity Legal, who is a highly qualified estate planning expert.  In part 1 of this mini series within the podcast, we look at some of the reasons you might need a will or whether you need one at all and what are the most important things you need to think about when creating a Will. If you have ever thought about getting a Will or know that you need one but haven't gotten around to sorting out, then have a listen or follow the links below to get in contact with Lav. www.perpetuitylegal.com.au/   www.moranfp.com.au/

Have you ever heard of the Bucket company strategy? In this episode of the Masters of Finance podcast we delve into how to setup a bucket company strategy to help you reduce the amount of tax you might pay and even go into how you can use it to get some of that tax back!    Find out more at www.moranfp.com.au

What do you do when you have built a mini property empire and reach the time when you stop working? In this episode you can find out how to capitalise on your property investment success and turn that into the retirement lifestyle you want! Have a listen.   Find out more at www.moranfp.com.au

In this episode we have a look at some of the events that have influenced investment markets over the last 12 months including the position of the Federal Reserve on US Interest rates, some unexpected outcomes from the Royal Commission, the performance and correlation of Equity and Bond markets and of course, POTUS Donald Trump and his trade war with China. We finish off with our outlook for investment markets going forward. If you would like a copy of our print version of the Investment Outlook, please email alex@moranfp.com.au and we will only be too happy to send it out.  For more info about Chris, Alex or Moran Partners Financial Planning, please head on over to www.moranfp.com.au.

In this episode we attempt to quantify the value a financial adviser can add your situation. Is it all in the investment returns? Or is there more value to be found in the intangibles? Or is it as simple as having someone with a great understanding of your situation to know which levers to pull and when? Have a listen and find out.  For more info head on over to moranfp.com.au or get in touch, we'd love to chat to you. 

Have you heard of the FIRE movement? FIRE stands for Financial Independence, Retire Early. In this episode we have a look at some of the lifestyle changes required to make the FIRE concept work for you.  We also have a look at some of the trade offs this lifestyle forces on you, including some that might not be apparent until much later on in life. 

In this episode we look at the 8th wonder of the world as described by Albert Einstein, in the power of compounding returns or compound interest. This podcast is about making the decision to save small amounts early on to grow exponentially over time so you don't have to save lots later.  Have a listen!

In this episode Chris and Alex talk about how you can take the fear and loathing out of budgeting and turn it into a positive experience that will benefit you no end. If you are scared of the 'B word' but need some help to kick your savings into action or maybe you are approaching the retirement cliff and need to throttle down on your spending, this podcast is for you! Have a listen.   www.moranfp.com.au

Chris and Alex have a bit of a discussion on the fallout from the Federal Election in May 2019 and what the new (or status quo) outlook on finance related matters looks like for peoples finances. Have a listen.   www.moranfp.com.au

In this episode of the podcast we are joined by Marcus Nicholson, the up and coming adviser in our office, to talk about how to protect yourself and your family financially using insurance. We discuss what some of the different types are, who should have them and address the big question of "how much insurance should I have?". If you are a small business owner, stay tuned as towards the end of the episode we also get into some succession planning and how you can use insurance to make sure that if anything happens to you as the business owner, your family can receive fair compensation for your share of the business.  For more podcasts, blog posts and videos, head over to www.moranfp.com.au

In this episode Chris and Alex run through the basic building blocks you need to have in place to start to build long term wealth and then explore some of avenues to consider along the way. There is a strong emphasis on goal setting in this episode, as there is throughout the financial planning process. Have a listen. Also, as mentioned in the podcast, we have been building a new website which is now live and will be updated in the coming weeks with more content including all the past episodes of the podcast and some video series on how to improve your financial life. Head over to www.moranfp.com.au to check it out. 

This episode Alex and Chris discuss Labors Election tax policies. Franking Credits, Abolition of Negative Gearing, Tax on trust distributions and superannuation. What does it mean for you, and what does it mean for the economy. Have a listen.  To check out the youtube video of this podcast head over to https://youtu.be/GNIJZ-sgIbw  

In this Episode, Chris and Alex are joined by Paul Moran to talk about the Federal Budget handed down on the 2nd of April by the treasurer Josh Frydenberg. This is a discussion and not simply just stating the changes in the tax brackets so tune in for some more philosophical analysis and some light hearted fireside chat.    If you are interested in talking to either Chris or Alex then please get in touch with us through social media or by visiting our website, www.moranfp.com.au

In this Episode, Chris and Alex go through some of the reasons why people like to help their children out financially and discuss how to go about saving or investing for these particular goals. Alex gives us some insight into how he is teaching his daughter to manager her pocket money and we also pose the philosophical question of whether it is better to help your children out by providing them with financial capital or financial knowledge and habits.   If you are interested in talking to either Chris or Alex then please get in touch with us through social media or by visiting our website, www.moranfp.com.au