The Money Puzzle

For a generation, Australian investors were advised to hold their investments until they retired. Then once they entered tax-free retirement, they could largely sidestep CGT tax. This central plank of financial advice is finished: Every retiree will now pay a minimum 30 per cent tax and nobody will escape.

Dr Adrian Raftery, author of '101 ways to save money on your tax - legally' joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
The shock change to investor retirement benefits
How the CGT new minimum rate is the sleeper issue for long-term investors
Examining how tax planning must reflect the wider budget changes
My shares have gone to zero - can I claim a tax loss?
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There is still a property sector where the outlook is improving, where yields are strong and anyone can negatively gear. Hey, you can even use borrowed funds in your Self-Managed Super Fund: It's time to take a second look at the commercial property sector.
James Gerrard of www.financialadviser.com.au joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
The pros and cons of commercial property
Why Budget tax changes have lit up the sector
The best entry points for the everyday investor
Cash flow risk - the outstanding danger for new commercial property investors

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We are only beginning to digest the full impact of the Budget changes for residential property.In short, it will never be the same again. That doesn't mean you can't invest successfully, but it does mean you need to know the new rules.
Cameron Kusher of Kusher Consulting joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
The hunt for yield in residential property
Forget the interest-only loan
How long-term negatively geared investors will thrive
Taking a second look at commercial property
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Behind all the market jargon and sophisticated language of wealth managers, there is one gold rule for investors: Don't put all your eggs in one basket. It's time to dig deep on diversification and portfolio allocation.
Will Hamilton of Hamilton Wealth Partners joins Associate Editor James Kirby in this episode.
In today's show, we cover:
The essentials of portfolio allocation
Tactical portfolio shifts in 2026
The trouble with bonds
Why emerging markets are running hot
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The burning question for all investors is whether the global market is running ahead of itself?
Tim Toohey, head of macro strategy for Yarra Capital Management, joins Associate Editor, James Kirby in this episode.
In today's show, we cover:
The growing gap between GDP and market returns
Could inflation fall from here
Emerging value on the ASX
The bear case for bank stocks

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