Podcasts about superannuation

Our recent show on crypto, which was openly sceptical about Bitcoin, triggered a storm of response from listeners who believe Bitcoin is a very worthy asset.Today, we hear another point of view: AMP recently invested $27m in Bitcoin and that decision has returned around 40 per cent in profits. In today's show, we cover... The bull case for Bitcoin from a mainstream investor Must you understand something to invest in it? The widening 'use case' for crypto FY 2025 investment wrap - too good to be true? Shane Oliver, chief economist at AMP joins Associate Editor- Wealth, James Kirby in this episode See omnystudio.com/listener for privacy information.

ஆஸ்திரேலியாவில் இந்த ஆண்டு ஜூலை 1 முதல் – அதாவது புதிய நிதியாண்டில் பல மாற்றங்கள் வர உள்ளன. குறிப்பாக Superannuation எனப்படும் ஓய்வூதிய சேமிப்பு, குறைந்தபட்ச ஊதியம் மற்றும் பணியிட உரிமை தொடர்பில் நடைமுறைக்கு வரவுள்ள மாற்றங்கள் குறித்த செய்தியை எடுத்துவருகிறார் றேனுகா துரைசிங்கம்

FIRST WITH YESTERDAY'S NEWS (highlights from Thursday on Newstalk ZB) Who's Paying for This?/Stop Living so Long/I Only Want to Vote Once/There's Not Much You Can Do About the End of the World/Schnitzel MemoriesSee omnystudio.com/listener for privacy information.

Dal 1° luglio, il contributo minimo richiesto ai datori di lavoro per i conti di superannuation dei dipendenti salirà dall'11,5% al 12%. Primo passo verso la riforma fiscale di cui tanto si parla o solo la progressione di un percorso iniziato anni fa?

Retirement commissioner Jane Wrightson believes the government should be considering means testing what is currently a universal benefit, an idea she concedes is unpopular. Data from the 2023 census shows more than 9000 people aged over 65 earn more than $200,000 a year. Another 33,000 earn between $100,000 and $200,000. Treasury estimates superannuation costs the government about 18 cents of every dollar it collects in tax, or more than 24 billion dollars this year. Honorary Associate Professor of Economics at Auckland University, Susan St John, spoke to Lisa Owen.

澳洲被界定為殘疾的人口突然大幅增長；究竟是因為澳洲人變得越來越不小心，還是背後隱藏著一個由善意鋪成的、正走向財政懸崖的制度問題？ 澳洲的國民殘疾保險計劃 (NDIS)，開支增長驚人，即將超越國防預算，這引發了一個深刻的提問：一個旨在提供「尊嚴」的社會安全網，為何會演變成一個可能拖垮國家的財政巨獸？ * 爆炸性增長與沉重負擔* NDIS 計劃的參與人數在 2025 年預計達到 69 萬人，其中近一半是18歲以下的青少年及兒童。* 僅 2024 年下半年新增的個案中，就有七成是 15 歲以下的兒童，特別集中在 5 至 7 歲的年齡段，診斷多為自閉症或發展遲緩。* 此類青少年參與人數比 2011 年生產力委員會的最初估計高出 95%。* 2024 年，NDIS 的總開支已攀升至 510 億澳元。其年度複合增長率高達 8%，遠超澳洲約 2.4% 的通脹率。* 預計到 2026 至 27 年，其開支將超越澳洲的國防預算；到 2033 至 34 年，甚至可能超過退休金 (Superannuation) 的相關支出。* 「無序擴張」的雙重驅動* 定義擴大：澳洲對「殘疾」的定義遠比其他地區寬鬆。根據 2022 年的人口普查，澳洲有1 7.3% 的人口被界定為殘疾，遠高於香港的 8.1% 和美國的 13%。這意味著「殘疾」的門檻被降低，涵蓋範圍從嚴重的肢體傷殘擴大到發展遲緩等情況。* 政治推動：疫情期間，時任 NDIS 主席的 Bill Shorten 推行多項改革，旨在幫助更多人、提供更多資源，導致了開支的「無序擴張」。政客透過「慷他人之慨」來換取支持，是這類社會開支難以削減的根本原因。* 制度後果：資源錯配與道德風險* 資源錯配：一方面，有嚴重智力障礙、真正需要幫助的個案，在畢業後資助反而被削減。* 尋租與浪費：另一方面，龐大的資金池吸引了投機行為。例如，有投資客利用自我管理的退休金投資NDIS的殘障人士宿舍，期望獲取穩定的政府補助租金，但最終因投資平台倒閉而蒙受損失。* 資訊不對稱：殘疾的診斷，特別是心理或發展層面的問題，很大程度上依賴當事人的主觀陳述，專業人士難以完全客觀判斷，這為過度診斷 (Over-diagnosis) 和資源濫用製造了空間。結論：從制度反思到公民社會澳洲NDIS的困境，揭示了幾乎所有現代國家共同面對的挑戰：當我們將「行善」的責任外判給政府，透過「慷他人之慨」來實現社會目標時，往往會帶來意想不到的負面後果。這不僅是資本會「無序擴張」，政府開支與權力同樣會「無序擴張」，最終可能形成一種壓榨型經濟。與其無止境地依賴一個集中化的制度，我們是否應該重新思考個人與公民社會的角色？ 真正的幫助，或許並非來自政府的巨額撥款，而是源於每個人親力親為，在自己的家庭、社群中，對身邊的人付出關懷與支援。這種源於個體的善意，才是唯一無法被制度蠶食、且真正有效的解決之道。 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit leesimon.substack.com/subscribe

Over decades of compulsory contributions, Australians have amassed $4 trillion in retirement savings. But behind this headline success lies a range of unresolved policy problems. The promise was a more comfortable retirement. The reality is a taxpayer-subsidised inheritance scheme. Listen to our CEO Aruna Sathanapally in conversation with Grattan's superannuation policy experts, Brendan Coates and Joey Moloney, as they critique a system that needs reform. For more information, visit: https://grattan.edu.au/

ஆஸ்திரேலியாவில் நடுத்தர வருமானம் ஈட்டும் 30 வயதுடைய ஒருவர், வசதியாக ஓய்வு பெறுவதற்கு போதுமான நிலையான சூப்பர் சேமிப்புடன் ஓய்வு பெற முடியும் என ஆஸ்திரேலிய ஓய்வூதிய நிதிகள் சங்கத்தின் சமீபத்திய மிதிப்பாய்வு கூறுகிறது. இது குறித்த செய்தியின் பின்னணியை தயாரித்து வழங்குகிறார் செல்வி.

Buy Punters T-shirtsSupport We the Punters on PATREONAfter so much pushback on the previous opinion expressed about the proposed superannuation tax changes, Punter Konrad sits down with economist Leith Van Onselen and some forceful youtube comments to explore if he was wrong to not be worried about the proposed decrease in tax concessions given to the wealthiest 0.5% of Australians. Leith Van Onselen from Macrobusiness What Punter are you? Take the Quiz! Buy Punters Stickers & T-shirtsSee omnystudio.com/listener for privacy information.

This episode of "The Two Jacks," with Jack the Insider and Hong Kong Jack, covers a range of topics including the struggles of free-to-air television in Australia, the proposed superannuation tax on high balances, the complexities of housing affordability and development approvals, and the political landscape in the United States, particularly regarding immigration and the actions of the Trump administration. They also touch on the passing of author Frederick Forsyth, the controversial Gaza Freedom Flotilla with Greta Thunberg, and lighter topics like the "Dull Men's Club" and AFL updates.Timestamped Events:00:00:51: Discussion on the cancellation of Channel 10's "The Project" and the future of free-to-air television in Australia.00:20: Superannuation tax on unrealized capital gains is debated, including a case study.00:30: Housing affordability and the challenges of planning approvals are discussed.00:40: The dynamic between Elon Musk and Donald Trump, and the power of the presidency is explored.00:46: The conversation shifts to Trump and the courts, and the use of federal power regarding immigration.01:04: The life and work of author Frederick Forsyth are remembered.01:09: The Gaza Freedom Flotilla and Greta Thunberg's involvement are analyzed.01:19: The "Dull Men's Club" is introduced.01:21: AFL updates, including a controversial bump and discussion of CTE.01:27: Rugby and football (soccer) are discussed, including Ange Postecoglou's departure from Tottenham.01:31: Tennis at Roland Garros and interesting sports statistics are shared.01:35: Closing remarks and listener interaction information.

Nearly a million people in New Zealand are currently receiving Superannuation, getting payments of between nearly $600 and just over $1000 every fortnight. But in this cost of living crisis, how easy is it to survive on the pension? Ed McKnight tried living on it for a week and came to a couple of conclusions around what it would be like to retire. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Gene Tunny and John Humphreys dissect the causes behind Australia's productivity slump, analysing recent GDP data, labour market policies, and regulatory constraints. They debate whether tax cuts should precede spending cuts and question the effectiveness of central planning and government intervention (i.e. ‘picking winners') in driving innovation. John is Chief Economist at the Australian Taxpayers' Alliance (ATA). This episode is the audio of an ATA livestream on 12 June 2025.Please email Gene your thoughts on this episode via contact@economicsexplored.com.TimestampsNational Accounts and Productivity Concerns (0:00)Government's Productivity Roundtable and Regulatory Reforms (4:34)Economic Policy and Institutional Reforms (8:19)Challenges in Private Investment and Productivity Measures (13:56)Industrial Relations and Labour Market Reforms (18:14)Housing Market and Regulatory Barriers (22:56)Tax Reforms and Fiscal Responsibility (29:59)Superannuation Tax Changes and Political Implications (47:15)Conclusion and Future Prospects (57:22)TakeawaysAustralia is in an 8-year productivity slump, with minimal growth in GDP per hour worked and GDP per capita declining in most recent quarters.The Albanese Government's proposed productivity roundtable is met with scepticism, particularly due to its unwillingness to touch industrial relations.Private investment remains weak, threatening future economic growth despite government spending and immigration-fueled expansion.Superannuation changes are controversial, especially the proposal to tax unrealised gains and the lack of indexation, prompting fears of unfair treatment of self-managed funds.Regulation, housing policy, and taxation are significant barriers to productivity; both speakers call for serious reform and question whether centralisation in Canberra helps or hinders progress.Links relevant to the conversationATA livestream (i.e. video of this episode):https://www.youtube.com/live/lDlner_PHc0?si=1M9krIiPwvIcFxLsATA website:https://www.taxpayers.org.au/Australia's National Accounts:https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-national-income-expenditure-and-product/latest-releaseLumo Coffee promotion10% of Lumo Coffee's Seriously Healthy Organic Coffee.Website: https://www.lumocoffee.com/10EXPLOREDPromo code: 10EXPLORED 

The Census, and some of those numbers released this week, really are a treasure trove of not just fact and stats but, I would have thought, hope. That astonishing move south, with the tens of thousands who have headed to the South Island and particularly Christchurch, is a framework for what the whole country could be. A few choice decisions, a bit of get-up-and-go, a bit of cooperation and a bit of vision. There are parts of this country that clearly have it right and are clearly magnets in their own right. Then there were stats around work. That very word "work" is a problem It's reported as a negative. "More and more people are working longer", indicating you want to stop. You want to stop of course because of the pension. You can stop anytime you like. There is no law around age and work. But the stats and the reportage of work and age are increasingly out of date. As we live longer, of course we are going to work longer. Why wouldn't we? Work is actually good for us. Work is fun. Work is rewarding, financially and emotionally. We are challenged by work. Work should not be a thing that you expect to end. It's the same as health and fitness, or diet, or leisure. 50% of us are working between the ages of 65 and 69. A quarter of us are working between ages 70 and 74. Even 10% of workers are over 75. And why not? If you resent it and have to work, fair enough. If psychically you are knackered, sure, play bowls. But the days of Grandad and a gold watch and one company for life and the company pension are long gone. We need to break the psychological hold Superannuation has over us. It's not even a lot of money. If it was lotto I'd get it. But it's a bare minimum and it speaks, sadly, to this country's productivity and work ethic that too many are too reliant on it. Working longer will actually lead to better health outcomes. Hopefully the kids, who the Census tells us are working more as well with teenagers having never been more employed, will enter the workforce with a view that work is for life, because we see work for the good, not work for the drudgery. If you happen to be working into your old age and doing it in the South Island, that's not a bad life at all.See omnystudio.com/listener for privacy information.

Ever feel like you're just reacting — putting out fires, chasing deadlines, and telling yourself, “I'll deal with that later”?In this bite-sized MINI EPISODE of the Agricoach Wealth & Wisdom Podcast, Ben Law — The Financial Bloke — throws down a challenge:If your life was a movie… would you be the hero, or just a spectator?Ben pulls back the curtain on the quiet cost of “one day” thinking — the missed moments, the unspoken regrets, and the slow drift that pulls families apart. With raw honesty and trademark punch, he invites you to zoom out, gain perspective, and take back the lead role in your own life story.You'll walk away with:A powerful mindset shift to help you stop drifting and start leadingA wake-up call about what's at risk if you keep waiting for the “right time”The simple, hard truth: heroes don't wait — they actIf you're a farming parent, business owner, or just someone who knows they're playing below their potential… this episode is for you. -----------------------Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.If you want to learn the principles of how to grow your family's wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.https://thefinancialbloke.com.au/

Superannuation funds in Australia are evolving rapidly, finding new pathways to optimize returns and manage risks. How are they leveraging size, adapting their operations, and enhancing their data strategies for better investment outcomes? What can other regions learn from their focus on private markets and technology investments? In this episode, host Paul Fahey speaks with … Read More Read More

It's seven years since Sir Bill English left politics but the former Prime Minister and long serving Finance Minister is still a keen follower of the political landscape and how the economic outlook for the country can be improved.In conversation with Peter Williams for the latest Taxpayer Talk podcast, Sir Bill maintains that the political battle over National Superannuation has been won and governments will have to pay a universal pension  to every senior citizen for the foreseeable future. But as he did when in government, Sir Bill believes that the age of eligibility must be raised from 65. He also has some harsh words on the performance of public servants and notes that many government organisations should be much better managed.A politician for nearly 30 years, Sir Bill now has the luxury of watching government from the sidelines and much of what he sees really frustrates him.Support the show

Nagdulot ng kontrobersiya sa ilang bahagi ng komunidad ang mga pagbabago ng Labor sa paraan ng pagbubuwis sa superannuation. Bagama't hindi ito bagong polisiya, ating alamin kung ano ang epekto ng mga pagbabago.

Hello and welcome to Episode 275 of the People Powered Business Podcast.This week we have a brief but important technical update for you after the Fair Work Commission announced its decision around the National Minimum Wage increase effective 1 July.This year we have a 3.5% wage increase being applied to the National Minimum Wage and all Modern Award Minimum Wages effective 1 July 2025.But really, in the scheme of the changes happening in the Industrial Relations legal landscape over the last 2 years, this isn't the biggest change we need to ensure we're across.We have yet another increase to Superannuation on the 1st July 2025, and of course the final implementation phase of the Right to Disconnect laws in August 2025.This is on top of the last 12 months significant changes to the casual employment definition, the new pathway for casual conversion and the constantly murky area of employees v's contractors conundrum – all of which employers are still struggling to grapple with.The reality is, as an employer it is our responsibility to proactively keep up with these changes, so if you're not across them, now is the time to get support and ensure your business is not at risk.If you'd like to connect with other businesses who are also juggling the challenges of teams, I'd love you to join us inside our free Facebook Group, The People Powered Community, so I can learn more about what's working for you and any challenges you might be having.Join Here. https://www.facebook.com/groups/hrsupportaustraliaMentioned in this episode:Fair Work and Modern Awards Compliance Essentials WebinarIt's that time of year again. Award rates are going up. The Fair Work Act is changing (again). And if you're not across the updates, your business could be at risk - without you even realising it. That's why I'm hosting a live webinar this June: Fair Work and Modern Awards Compliance Essentials. We'll cover what's changing, what it means for you, the simple steps to stay on the right side of Fair Work and the common mistakes that can land you in hot water - and how to avoid them. It will be practical and jargon free. Get your place by clicking here: https://www.peoplepoweredbusiness.com.au/fairwork

Money can really complicate relationships. On this episode of the Friends With Money Podcast, hosted by Money's Vanessa Walker, writer Nicola Field discusses ways to have healthy financial relationships, even when things go wrong. They explore how to maintain healthy financial relationships, the realities and statistics of marriage and divorce in Australia, and key factors like transparency, communication, and financial goals in relationships. Field emphasises the importance of financial binding agreements, managing finances together, and strategies for protecting and distributing assets and inheritances. 00:19 Exploring Money and Relationships 01:22 The Reality of Relationship Longevity 02:34 Positive Financial Signs in Relationships 03:27 Red Flags in Financial Relationships 04:22 Understanding De Facto Relationships 05:30 Protecting Yourself Financially in Relationships 07:15 Managing Finances as a Couple 08:41 Superannuation and Family Dynamics 10:37 Navigating Separation and Divorce 12:46 Blended Families and Financial Protection 14:59 Designing an Inheritance #friendswithmoney #vanessawalker #nicolafield #relationships Listen on Apple Podcasts Listen on Spotify Money Website YouTube Podcast Playlist Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbRSee omnystudio.com/listener for privacy information.

Financial advisor and JOY favourite Angelo Baronessa returns to unpack the current market rollercoaster—from Trump tariffs to luxury bag loopholes—and what it all means for your super, your shares, and The post Wednesday Breakfast: Angelo Baronessa: Superannuation, Tariffs & Penguin Island Economics appeared first on JOY Breakfast.

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 June 2025. The topic for this week is: The Super Splitting Strategy and the end of financial year. In this episode Luke takes a deep dive into the strategy exploring how super splitting works and the situations […]

ඇතැම් superannuation ගිණුම් සඳහා වන බදු පැනවීම සම්බන්ධයෙන් වන ලේබර් රජයේ යෝජනා ගැන සමාජයේ ඇතැම් පිරිස් අතර යම් කතා බහක් ඇතිවී තිබෙනවා. මෙම බදු පැනවෙන්නේ කොහොමද, බදු පැනවීමේ ප්‍රතිශතය කුමක්ද වැනි කාරණා ගැන වැඩිදුර තොරතුරු අද කාලීන තොරතුරු විග්‍රහයෙන්

Taxpayers Alliance Chief Economist John Humphreys joins the FET podcast to talk all things tax. Is it possible to tax unrealised gains, as is proposed on superannuation accounts over $3 million in value? Maybe. But why bother doing it when it mostly changes the timing of taxation rather than the revenue? We speculate as to whether it is a daring political manoeuvre—propose something you know your opposition will find outrageous to trick them into arguing for exactly the tax setting you actually want.Enjoy this conversation on taxes, strange politics (where was this super-tax conversation pre-election?), my favourite topic of Effective Marginal Tax Rates, and more. Side note: One thing John and I have in common is that we both want to scrap the superannuation system. I explain my reasons in this article. As always, please like, share, comment, and subscribe. Thanks for your support. You can find Fresh Economic Thinking on YouTube, Spotify, and Apple Podcasts.Theme: Happy Swing by Serge Quadrado Music—Creative Commons Licence CC BY-NC 4.0Interested in learning more? Fresh Economic Thinking runs in-person and online workshops to help your organisation dig into the economic issues you face and learn powerful insights. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.fresheconomicthinking.com/subscribe

Labor's changes to the way superannuation will be taxed has caused an uproar in parts of the community. The policy isn't new, so what's the big deal about it now? And what do the changes actually mean?

The Albanese government wants to increase the tax on super balances above $3m. The treasurer, Jim Chalmers, says it is a modest change but there have been countless articles and columns warning of the economic havoc it could wreak and the impact this would have on the retirement savings of young Australians. Nour Haydar speaks to the national news editor, Josephine Tovey, and the head of newsroom, Mike Ticher, about what will happen if Labor pushes forward with the reform

In this bulletin; a warning over the Labor Government's superannuation tax change, Tasmania's premier continues the fight for his political life, and in sport, Portugal defeats Germany to score a seat at the UEFA final.

Avoiding the tough conversations? It could be costing you everything.In this powerful episode, Ben Law is joined by communication specialist Katie Godden to unpack the hidden danger that derails most succession plans, fractures family trust, and stalls high-performing families: the conversations that never happen.It's not the paperwork. It's not the accountant.It's the silent tension — the things left unsaid for too long.Katie shares why most families avoid the conversations that matter, what it costs them over time, and how to break the pattern with confidence. You'll learn a simple 4-step framework to help you handle emotionally charged moments with clarity and control — whether in the boardroom, the cattle yards, or at the kitchen table.Whether you're navigating succession, leadership transitions, or just trying to get on the same page — this episode will challenge you to stop sweeping things under the rug and start building a stronger, more connected future.Because in high-performing families, silence isn't golden. It's expensive.-----------------------Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.If you want to learn the principles of how to grow your family's wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.https://thefinancialbloke.com.au/

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 30 May 2025. The topic for this week is: What are your transition to retirement options? What goals can the strategy help you achieve? With the end of year now just a weeks away, now is the time […]

The Albanese government wants to reduce the tax breaks for those with more than $3m in superannuation. And while sections of the media are highly critical of the changes, others say the proposal does little to address intergenerational inequality in the tax system. Columnist Greg Jericho speaks to Reged Ahmad about why the media debate over a smaller tax break for Australia's wealthiest 0.5% is divorced from reality You can support the Guardian at theguardian.com/fullstorysupport

In this episode Rachel and Lynne discuss the intricacies of freelance finances with Julia Newbould, an editor, journalist, and author with extensive experience in financial reporting. Julia shares insights on transitioning from spreadsheets to accounting software, the importance of financial literacy, and strategies for effective money management for freelancers.   She also talks about: Her journey in journalism Her efforts to increase female representation in financial advising  Setting up multiple bank accounts for effective cash flow management The significance of emergency funds Superannuation for freelancers Plus tips on raising prices and handling financial anxiety Connect with Julia via LinkedIn https://www.linkedin.com/in/julia-newbould-44454712/  Find Lynne www.lynnetestoni.com Find Rachel www.rachelsmith.com.au  Rachel's List www.rachelslist.com.au If you have questions you'd like us to answer in our next Q&A episode, just send them here. Thanks (as always) to our sponsors Rounded (www.rounded.com.au), an easy invoicing and accounting solution that helps freelancers run their businesses with confidence. Looking to take advantage of the discount for Rachel's List Gold Members? Email us at: hello@rachelslist.com.au for the details. Episode edited by Marker Creative Co www.markercreative.co 

Join Aden Wilkins and SMSF expert Jemma Sanderson from Cooper Partners as they unpack the proposed Division 296 tax, separating fact from fiction. Learn about the potential impact on your superannuation, key misconceptions, and strategic considerations for managing your retirement savings.(02:00 - 07:00) What is the Division 296 Tax(07:00 - 12:00) Debunking myths about superannuation tax rates(12:00 - 16:00) Unrealised gains and lack of indexation(16:00 - 24:00) Exploring alternative investment strategies(24:00 - 33:00) Managing potential tax implicationsMaterials:Div-296-3m-tax.pdfFor more information on Capital Partners visit capital-partners.com.au. Have a question? Email us ask@capital-partners.com.au. This episode provides general advice only. Always refer to your financial adviser for advice about your personal circumstances. Capital Partners Consulting Pty Ltd AFSL 227148 trading as Capital Partners Private Wealth Advisers ABN 27 086 670 788.

The government's proposed $3 million Superannuation tax is capturing headlines and sparking fierce debate. In today's episode we break down the proposed changes, why they're controversial and everything you need to know. That's not all we unpack in another big episode of Equity Mates: WiseTech has made its biggest acquisition to date Uranium stocks are ripping BYD continues to outpace Tesla Why Aussie tech stocks reach such crazy valuations —------Want to get involved in the podcast? Record a voice note or send us a message—------Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing - we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)Check out our latest show: Basis Points (Apple | Spotify | YouTube) and read the accompanying Basis Points email—------Looking for some of our favourite research tools?Download our free 4-step stock checklistFind company information on TIKRScreen the market with GuruFocusResearch reports from Good ResearchTrack your portfolio with Sharesight—------In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. —------Equity Mates Investing is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Christopher Luxon remains hopeful the latest cut in the OCR isn't the last. The Reserve Bank's dropped the Official Cash Rate 25 basis points to 3.25%, and is now forecasting it will reach a low of 2.9 percent in December. But the Monetary Policy Committee wasn't able to reach a unanimous decision to cut the cash rate. The Prime Minister told Mike Hosking Acting Governor Christian Hawkesby is dealing with a period of global uncertainty. He says there's a huge amount of volatility that Hawkesby is navigating, but the economy is turning a corner. LISTEN ABOVE See omnystudio.com/listener for privacy information.

MINI EPISODES are back — and this one pulls no punches.In the second instalment of this new short, sharp series, Ben Law — The Financial Bloke — tackles one of the biggest myths holding family businesses back: that being “nice” keeps the peace and holds things together. It doesn't. In fact, being liked might be the very thing that's keeping your family stuck. Ben shares a raw story from his early career that revealed the difference between being respected and being effective — and lays out four practical strategies to build real influence (even if your family avoids every hard conversation). You'll discover: Why “being nice” is often the weakest leadership strategy The difference between rapport and real influence How to earn the right to challenge your family — without blowing things up A powerful one-liner that can unlock even the most stuck conversations If you're in a farming family where everyone “gets along fine” — but nothing ever changes — this episode is for you.-----------------------Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.If you want to learn the principles of how to grow your family's wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.https://thefinancialbloke.com.au/

The 2025 Budget has come and gone, but the Finance Minister has confirmed raising the superannuation age was still on National's radar after they campaigned on it in the last election. She's explained it was not on their mandates or the coalition agreement - but changes need to be phased in. Infometrics principal economist Brad Olsen weighed in on the ongoing debate. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Superannuation is a lot like your spleen: you spend most of your life not thinking about it, but when you need it, you're THRILLED it exists. And if super is like a spleen, then EOFY is much like a checkup. Or a detox. Or a… spleen upgrade of some kind……alright, so this metaphor has lost its thread a bit. HOWEVER, the key point is this: the leadup to EOFY is an opportunity to make the most of your super. And if that sounds a bit vague, don't worry – this episode is here to help!@tashinvests@anakresina@getrichslowclub@pearlerhqGet Rich Slow ClubPearlerYouTubeHow To Not Work ForeverDisclaimerAny advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Natasha Etschmann is an Authorised Representative #1299881 of Guideway Financial Services Pty Ltd AFSL#420367. Read the FSG available from https://tashinvests.com/linksPearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer's website before deciding. Hosted on Acast. See acast.com/privacy for more information.

$3 மில்லியனுக்கும் அதிகமான இருப்பு உள்ள Superannuation ஓய்வூதிய கணக்குகள் ஈட்டும் வருவாய் மீதான வரியை 15 சதவீத்திற்கு பதிலாக 30 சதவீதமாக இரட்டிப்பாக்கும் சட்டம் ஏற்கனவே நிறைவேற்றப்படாமல் போன நிலையில் தற்போது புதிய நாடாளுமன்றத்தில் இச்சட்டம் நிறைவேற்றப்படக்கூடும் என்று கூறப்படுகிறது. இது குறித்த செய்தியின் பின்னணியை தயாரித்து வழங்குகிறார் செல்வி.

With cost of living pressures still affecting many Australians, the hurt to both the hip pocket and to mental health is evident.See omnystudio.com/listener for privacy information.

It is suggested Peter Dutton in Australia lost the election because of his nuclear issue and work from home policies. I personally think he lost because they ran a hopeless campaign. But it is more than possible that he floated a couple of ideas that the voter simply could not stomach. I am wondering if Chris Luxon is heading in a similar direction here with superannuation. Nuclear makes sense. Working from home hinders productivity. But the voter is always right and being a voter beats logic. Will the voter be right here on superannuation? Are there enough New Zealanders who have landed on the simple truth that 65-years-old, as a pension age, is no longer sensible, nor affordable? $28 billion is the bill each year, and growing. That seems worse now because we are broke. But even in good times it's a stunning amount of money. National will take it to the vote next year. They may be saved from themselves by NZ First, if they are still in the mix, because it will be a bottom line. But we reach the interesting point where logic and emotion collide. For many, superannuation is untouchable. It's a lifetime's worth of work. "i paid my taxes" they say, even though that line isn't actually real because we spent your taxes years ago and then borrowed a bit more to keep the lights on. 65-years-old is the new 50-years-old and, post-Covid, older workers have never been in more demand. The days of being out to pasture are increasingly gone. 65-years-old is not old. Imagine a day where you enter the workforce knowing you need to take care of yourself. Yes, if you strike trouble the pension is a welfare payment, not an entitlement. But we either have to change the narrative and mindset from entitlement to welfare, or we need to up the age. In upping the age over time, even giving years worth of notice, it's still a very big call. It underlines our desire for free stuff, or perceived free stuff. Once you set a precedent with money it is fantastically hard to undo. But Luxon, apparently, is keen to give it a crack. He calls it a no brainer. First clue - there aren't many who think it's a no brainer. Labour learnt the hard way over the capital gains tax. Luxon may be about to learn something similar.See omnystudio.com/listener for privacy information.

It's one of the curious things about the structure of modern liberal democracies. Whether its sharemarkets or political cycles or even media coverage, a lot of the big forces that shape our society are influenced by short-term incentives. It gets us into all sorts of pickles. Take the Three Waters and the crisis with water infrastructure in New Zealand. The main reason we find ourselves with a vast infrastructure deficit is because for decades, heaps of local councils haven't properly invested to maintain the pipes. Why didn't they invest? Simple. Investment takes money and money means rates. And with woeful levels of engagement with local body elections, big rates increases and pledges to spend millions on water infrastructure that no one could see or appreciate weren't exactly vote-winners. Councillors who wanted to be re-elected have been incentivised to defer spending for the future. Someone else's problem. Predictably, of course, it snowballed. I think we risk the same thing with the aging population and the future of superannuation in New Zealand. We know that in a few short years, as more baby-boomers retire, the cost for superannuation combined with the impact of an older population on the health system is going to massively increase pressure on the Government books. Treasury has been warning about it for ages. There are going to be fewer of us of working age supporting more of us who are retired. And yet since the advent of KiwiSaver, there have been very few big steps to address the fast-approaching meteorite. I'm pleased to see the Government move on Kiwisaver contributions in the Budget this week. It's well overdue in my opinion, and although it'll be a burden for a lot of businesses in the short term, I'd personally support steps that encouraged a greater rate of retirement saving in the future. It occurs to me that a massively underrated component in the Australia vs New Zealand equation is superannuation. Saving for super is compulsory in Australia. But not only are wages higher across the ditch, in six weeks, the compulsory employer rate goes to 12%. I'm not suggesting we instantly introduce a 12% rate here – businesses would be driven into the ground. But it's interesting to note that in Australia, for most workers, the tax on employer contributions is much lower than that in New Zealand. In the next few decades, Australians are set to retire with hundreds of thousands of dollars more than their New Zealand counterparts. I turn 65 in 27 years. I have no expectation that superannuation in its current form will exist by the time I get there. I have a sense of fatalism about the whole thing. It feels inevitable that I'll be paying for older generations to enjoy universal super, only for the settings to finally change once I'm on the home straight to 65. I do find one thing about the Government's move this week particularly curious. They've opened the door to means-testing KiwiSaver. Those who earn more than $180,000 won't receive the Government contribution. I don't claim to know what the best solution is. But there will be many working New Zealanders wondering, this week... if means-testing KiwiSaver benefits is acceptable, why shouldn't superannuation be means-tested too? LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Liberal and National parties look likely to address their differences and reunite after a week of turmoil almost saw the end of an 80-year arrangement. The number of detractors of the government’s superannuation policy grows. How to deal with intergenerational wealth transfer as the Baby Boomers continue to retire. And the ASX ends the week on a high. Interview with Marshall Ross, Partner Education Manager at MLC Life Insurance Email us your thoughts to moneynews@nine.com.auSee omnystudio.com/listener for privacy information.

Finance Minister Nicola Willis says changes to KiwiSaver will be revealed at next week's Budget. The NZ Super Fund will cover only 20% of future Superannuation costs, with withdrawals starting in 2028. The fund will continue growing despite withdrawals, but Superannuation costs are expected to reach $29 billion annually. There will be changes to KiwiSaver announced at next week's Budget, with the Super Fund only expected to cover – at best – 20% of the cost of Superannuation in the future, Finance Minister Nicola Willis says. Willis wouldn't say what the changes would be, but they would be “positive”, she told Newstalk ZB's Mike Hosking Breakfast this morning. The minister has previously not ruled out changes – including means-testing – to the $521 given to KiwiSaver members who contribute at least twice that amount each year. “[Changes will be positive] because I want to see people's KiwiSaver balances grow. KiwiSaver has become particularly important for those saving to buy their first home – we had more than 40,000 people use KiwiSaver to do that in the past year," she told Hosking. “And it's become an increasingly important supplement for people's retirement income.” Willis announced yesterday that the Government was forecast to make its first withdrawal from the NZ Super Fund in 2028, five years earlier than forecast at last year's Budget. Superannuation costs are expected to reach $29 billion a year in a few years, Finance Minister Nicola Willis says. Photo / 123rf The fund was set up in 2001 to subsidise the future cost of Superannuation, easing the burden on taxpayers. The date of the withdrawal – forecast to total $32m in 2028 – isn't at the Government's discretion and is written into the Fund's governing legislation. The first withdrawal would be followed by some “bouncing around between withdrawals and contributions”, but from 2031 onwards, withdrawals were expected every year, Willis said yesterday. Despite withdrawals, the Super Fund won't shrink in the short-term. It will continue growing for some time as withdrawals will be smaller than the overall growth in the fund, the Herald reported yesterday. Treasury's forecasts, which were based on a complicated formula relating to how much is in the fund, GDP, taxpayer numbers and other factors, confirmed help was needed to pay for superannuation, Willis told Hosking this morning. “We've all talked for several years about at a certain point, the cost of superannuation will get very high, and then we'll need the Super Fund to help. We're now at that point.” Asked how much of the cost of superannuation the fund would cover “in its golden moments”, Willis told Hosking: “In its golden moments it's only going to be about 20% of the total cost”. “There's no getting away from the fact that superannuation is very expensive … just in the next few years, it's going to leap up to $29 billion a year, because there are a lot of people over the age of 65 and superannuation is pegged to the after-tax average wage, so that number keeps going up. “That's the commitment that we have as a country, is to fund that entitlement, and we then need to pay for it. And there are fewer taxpayers, of course, in the future to help pay for it.” -Cherie Howie LISTEN ABOVE See omnystudio.com/listener for privacy information.

This is the converstion I just had with Shamubeel Eaqub about the report on Social Cohesion that he has recently co-authored.  It is a wide ranging conversation where we cover: How to foster Social Cohesion, one positive step each day The negative side and reality of poverty in Aotearoa New Zealand Whether some issues like education, health and housing need to be removed from the political cycle Superannuation and what higher contribution rates might unlock The role of arts, sport, spiritual and community groups in building cohesion It was a wide ranging interview and I would love to hear feedback on what stands out to you?   The Report is here https://helenclark.foundation/support-our-work/social-cohesion/  440+ more interviews and content is at www.theseeds.nz 

As Australian business employers prepare their FBT returns, Australian Taxation Office (ATO) Assistant Commissioner for Superannuation and Employer Obligations Peta Lonergan provides KPMG Workplace Advisory Partner Hayley Lock and Employment Tax Director Stacey Biggar with key tax updates for internal teams and compliance areas of interest in 2025.   Subscribe to KPMG Tax Now to receive regular updates. 

Nick Bruining, an independent financial adviser, regularly joins Nightlife to discuss the ever-changing world of business and finance and what it means for you. 

Donald Trump has defied investors' hopes that his tariff threats were all bluster and just a short-lived negotiating tactic. The US is pushing ahead with its trade war with China, imposing a 104 per cent tariff on all Chinese goods entering America. Given China is our largest trading partner and so many other countries have been hit too, what does it mean for our hip pocket? Today, economist Susan Stone explains what the economic chaos means for the dollar, shares, superannuation and interest rates. Featured: Dr Susan Stone, Credit Union SA Chair of Economics at the University of South Australia

The Australian Securities and Investments Commission, known as ASIC, has handed down a report into death claims in Australia's superannuation sector. The report puts the industry on notice, revealing excessive delays, poor customer service and ineffective procedures. - Австралийская комиссия по ценным бумагам и инвестициям (ASIC) подготовила отчет о страховых случаях в связи со смертью в секторе пенсионного обеспечения Австралии. Отчет выявил чрезмерные задержки, плохое обслуживание клиентов и неэффективные процедуры.

There's been another large scale effort by cyber criminals to steal money from Australians, this time targeting superannuation funds.

In this show Ken Raiss, Brett Warren and I and a heap of questions left by viewers of a recent Masterclass that should be of interest to anyone interested in property investment. We explore the pros and cons of investing in outer suburbs, what's ahead for the Melbourne property market, the significance of understanding property value versus price, the different loan structures available for investors, the importance of economic fundamentals, and strategies for intergenerational wealth transfer. The conversation also touches on the viability of living off equity and the comparison between commercial and residential properties. Takeaways Investing in outer suburbs can be risky especially at this stage of the cycle where property vans have been pushed up by inexperienced investors. Economic fundamentals drive property value growth. Setting up the right ownership property structure is essential for flexible intergenerational wealth transfer. Starting with a clear end goal is one key to successful investing. Interest-only loans can help in property accumulation phases, while we're paying debt makes sense as you near a retirement age. Living off equity is challenging but still possible with the right strategy. Commercial properties often provide better yields than residential property, but for most investors residential property provides better returns because of the extra leverage. Flexibility in investment ownership structures can enhance financial outcomes. The property market is cyclical; patience is necessary for long-term gains. Chapters 00:00 Introduction to the Q&A Session 00:27 Investing in Outer Suburbs vs. Hot Spots 01:19 Understanding Loan Structures and Trusts 02:02 Introduction to Property Investment Strategies 07:38 Analyzing Melbourne's Property Market 13:35 Understanding Property Investment Structures 19:13 Navigating Investment Decisions and Strategies 24:37 Exploring Regional vs. Capital City Investments 30:22 Superannuation and Property Investment Trusts 33:07 Understanding Debt: Interest-Only vs Principal and Interest 36:03 Transitioning to Cash Flow Properties 38:41 Building a Property Portfolio: Regional vs Capital City Investments 41:35 Living Off Equity: Is It Still Possible? 44:10 The Importance of Trusts in Wealth Management 46:57 Wealth Retreat: Planning for Future Success 48:51 Commercial vs Residential Property Investments 52:53 Introduction to the Podcast and Demographics Decoded 54:13 Special Offers and Resources for Listeners 55:03 Introduction to the Podcast and Its Purpose 55:35 Understanding Property Investment Strategies Links and Resources:    Join us at Wealth Retreat 2025 – read more here and reserve your spot  Michael Yardney    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Brett Warren - National Director of Property at Metropole    Ken Raiss – Director Metropole Wealth Advisory    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   Shownotes plus more here: Ask the Experts: Ken Raiss, Brett Warren and I Answer Your Burning Questions 

The Australian Securities and Investments Commission, known as ASIC, has handed down a report into death claims in Australia's superannuation sector. The report puts the industry on notice, revealing excessive delays, poor customer service and ineffective procedures.