Retire Right

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Retire Right is an Australian Retirement podcast. You only retire once, so retire right. Brought to you by the podcast, 'money money money'. Hosted on Acast. See acast.com/privacy for more information.

  1. 13 HR AGO

    419 The latest retirement figures unpacked

    The latest ASFA figures say a couple needs $730k in super to retire comfortably at 67, but what do those numbers actually include, and are they right for your situation? In this episode Glen and financial adviser Nathan Fradley unpack the data, challenge the assumptions and walk through Nathan's updated heat map showing how your super balance and age pension interact to produce income in retirement. They touch on: 👉🏻 Nathan's retirement model and what that means for how much you need to save 👉🏼 ASFA's comfortable vs modest retirement standards 👉 why the numbers don't stack up for a lot of renters 👉🏽 what does “comfortable” and “modest” actually include? 👉🏿 what assumptions is the modelling based on? 👉🏼 how much super do you need? ASFA's numbers vs Nathan's modelling 👉🏻 Nathan's updated heat map: super, pension & income sweet spots 👉 Glen’s closing thoughts  Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au. Hosted on Acast. See acast.com/privacy for more information.

    50 min

  2. 29 APR

    418 Can AI replace your financial adviser, how much do you need to retire + more

    In today's episode Glen is joined by Nathan Fradley from Nathan Fradley Advice to tackle your community questions: 👉 I'm using Gemini AI for financial planning and it seems good, is it safe, and should I trust it? 👉🏼 Tamara asked how much do I need to retire on $80K/yr for my situation? 👉🏻 Glen puts Tamara's question into ChatGPT, Gemini and Claude & they weigh in on what AI got right and what it missed 👉🏽 Nathan illustrates his retirement drawdown framework 👉🏾 with a TTR split 75% growth and 25% cash, can I nominate which bucket my pension payments come from? 👉🏿 I'm 56, own a small unit and have 800K across super and cash, can I retire now? Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au. Hosted on Acast. See acast.com/privacy for more information.

    48 min

  3. 22 APR

    417 The three types of financial advice & why it costs what it does

    In today's episode Glen is joined by Vince Scully, Portfolio Manager at Life Sherpa Invest to tackle one of the most talked about topics in finance: the cost of financial advice. Glen and Vince break down: 👉 the biggest myths about adviser fees 👉🏼 listener question: a $6k re-contribution strategy - was it worth it, and why can't the adviser answer a quick question without re-engaging? 👉🏽 the three types of advice: factual information, general advice and personal advice explained 👉🏾 listener question: TTR setup charged as extra outside an existing fixed annual fee, is this normal? 👉🏿 real cost breakdown: income vs expenses for an advice business 👉🏻 intra-fund advice explained and what an independent financial adviser actually means under Australian law Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au. Hosted on Acast. See acast.com/privacy for more information.

    1hr 10min

  4. 15 APR

    416 What to ask to avoid bad financial products & why some funds collapsed

    In this episode, Glen and Vince Scully, Portfolio Manager from LifeSherpa Invest tackle one of the biggest questions in retirement planning: is your super actually safe? They touch on: 👉 how super is structured and protected 👉🏼 the three layers of a superfund 👉🏽 when SMSF investments go wrong and who's really to blame 👉🏾 why super fund failures happen: the Trio/Astara case explained 👉🏿 how the First Guardian and Shield collapse happened 👉 can we trust financial advice? 👉🏼 what to ask your adviser or fund to avoid fraud or bad products Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au. Hosted on Acast. See acast.com/privacy for more information.

    1hr 33min

  5. 8 APR

    415 Super strategies at 65, moving back to Australia for the pension & borrowing to invest

    In today's Q&A, Glen and financial adviser Martin McGrath from Financial Edge Group discuss your questions about: 👉 pros & cons of starting a pension at 65 👉🏼 transfer balance cap & recontribution strategy 👉🏽 should I put savings into super before retiring? 👉🏾 moving back to Australia for the age pension 👉🏿 borrowing against home equity to invest Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au. Hosted on Acast. See acast.com/privacy for more information.

    38 min

  6. 1 APR

    414 Investment bonds: the 125% rule, tax-free access & when to use them

    In this episode, Glen James and financial adviser Martin McGrath go under the hood on investment bonds and unpack: 👉 what is an investment bond 👉🏼 how tax works 👉🏽 the rules 👉🏾 using investment bonds for kids and grandkids 👉🏿 the advantages 👉🏻 personal investing vs super vs investment bond 👉 high-income earner case study 👉🏼 using investment bonds for education purposes Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au. Hosted on Acast. See acast.com/privacy for more information.

    50 min

  7. 25 MAR

    413 TTR or not, timing contributions, JobSeeker rules & death benefit pensions

    In this episode, Glen James and Nathan Fradley answer community questions: 👉 should Donna keep her money in super or in her transition to retirement account? 👉🏼 should Chris drip feed $15k into super, time the market or just put it in? 👉🏽 will moving super to pension mode affect Debbie's JobSeeker payment? 👉🏾 and what changes if you’ve got an SMSF 👉🏿 what happens to a reversionary pension when your spouse dies? Listen to episode 410 on TTRs here: https://shows.acast.com/retire-right/episodes/410 Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose  to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313. Hosted on Acast. See acast.com/privacy for more information.

    48 min

  8. 18 MAR

    412 Annuities explained: how they work, Centrelink boosts & retirement income

    In this episode Glen is joined by financial adviser Nathan Fradley to discuss what an annuity is and how it works. They cover: 👉🏼 what are annuities and why are they incentivised 👉🏽 how they work 👉🏾 Centrelink concessions 👉🏿 a practical example case study 👉🏻 will I be better off by using an annuity? 👉 does the payment increase? 👉🏼 who do they help 👉🏽 downsides to consider   📘 The Quick-Start Guide to Investing by Glen James and Nick Bradley: https://www.investingbook.com.au/ Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help Sign up to the Retire Right newsletter here: https://email.retireright.com.au/ 🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose  to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. Symo Interactive Pty Ltd trading as Retire Right Australia & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.Martin McGrath, Financial Edge Group and their employed financial advisers are authorised representatives of Synchron Advice AFSL 243313. Hosted on Acast. See acast.com/privacy for more information.

    41 min
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Retire Right is an Australian Retirement podcast. You only retire once, so retire right. Brought to you by the podcast, 'money money money'. Hosted on Acast. See acast.com/privacy for more information.

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