360 Money Matters

Billy Amiridis and Andrew Nicolaou
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360 Money Matters

Welcome to the 360 Money Matters podcast where Financial Planners, Billy Amiridis and Andrew Nicolaou talk all things Financial Planning. This podcast aims to increase your knowledge and confidence with all thing’s money. Each week we will cover topics such as investing, cashflow and budgeting, saving, passive income, debt management, and much more so you can live life on your terms without limits.

  1. 10 DE DEZ.

    First Home Saver Super Scheme

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss the First Home Saver Super Scheme (FHSSS), which helps first-time buyers save for a property deposit using superannuation. We highlight its tax benefits, such as contributions taxed at 15% instead of higher marginal rates, potentially saving individuals thousands annually compared to regular savings. However, we note the scheme’s complexity, with restrictions like annual and lifetime caps, making professional advice essential. While we commend its potential, we advocate for simpler rules and higher savings limits to increase accessibility. Want to learn how to supercharge your savings for your first home? Tune in now to discover the secrets of the First Home Super Saver Scheme. - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights Introduction to First Home Super Saver scheme Scheme mechanics and benefits Regular savings vs. First Home Super Saver scheme Scheme limitations and complexities Consulting a financial advisor when using the scheme   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    20min

  2. 3 DE DEZ.

    Owning Assets in a Trust

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss the complexities of owning assets in a trust and offer guidance on when it might be beneficial. We address a common question about whether to buy assets individually or through a trust, weighing the pros and cons of each approach. We emphasize that trusts can provide a layer of protection for assets, particularly for business owners concerned about creditors. However, we clarify that trusts are not "bulletproof," especially when it comes to family court proceedings in cases of relationship breakdowns. We also outline different types of trusts, like unit trusts and discretionary family trusts, and explain when each might be more appropriate depending on factors like flexibility and who holds the assets. Get clarity on whether a trust is right for you and gain insights into safeguarding your assets effectively. Listen now to make informed decisions about your financial future!o - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights Weighing pros and cons of owning assets in a trust versus individually Benefits of asset protection and tax flexibility with trusts Limitations of trusts in family court or in scenarios involving relationship breakdowns Cost and complexity considerations for setting up and maintaining a trust Importance of personalized advice for individual circumstances   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    17min

  3. 26 DE NOV.

    How To Not Ruin Your Budget Over Christmas

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we share tips to avoid overspending during the holidays. We stress setting a realistic budget, planning ahead, and avoiding credit card debt. Alternative gift ideas like Secret Santa, re-gifting, or pooling money for family experiences are encouraged, along with early online shopping and price comparisons to save money. We also highlight the value of saying no to costly commitments and focusing on meaningful, budget-friendly interactions. The goal: enjoy the season without financial regret. Ready to enjoy the holidays without breaking the bank? Tune in to this episode for simple, practical tips to keep your budget intact and make the season more meaningful! - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights Importance of not overspending during Christmas Set up a gift saving account for future holidays Shop early to spread costs and be more thoughtful Consider re-gifting unused items Learn to say no to excessive social commitments   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    19min

  4. 19 DE NOV.

    Offset vs. Redraw Account

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss the differences between offset and redraw accounts, key financial tools for managing mortgage payments. We outline how both accounts reduce mortgage interest but differ in terms of flexibility and tax implications. An offset account, linked to a mortgage, allows daily transaction access, providing flexibility and potentially larger tax deductions if the property becomes an investment. In contrast, a redraw account holds excess funds paid toward the mortgage, which can be withdrawn, though with less flexibility and potential tax disadvantages for investment purposes. We also share strategies for utilizing offset accounts to manage lifestyle expenses efficiently, and emphasize the importance of understanding these accounts to maximize tax benefits and avoid costly errors. Tune in to this episode to understand the real differences between offset and redraw accounts, and learn strategies to make these tools work for your financial goals. Don’t miss out – hit play now! - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights Importance of mortgage education Mechanics of offset and redraw accounts  Legal and tax implications Strategy for future investment properties Considerations and flexibility  of offset accounts   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

    18min

  5. 12 DE NOV.

    Market Wrap

    Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we talked about post-US election market impacts. We start off with the positive response of the U.S. stock market, which reached all-time highs, and discuss the soft economic landing, resilient labor market, and potential inflation concerns if certain policies are enacted. We’ll also talk about challenges in Europe, where deflation concerns may lead to lower interest rates, and China's focus on boosting domestic demand to meet growth targets, which has implications for the Australian resource sector. Additionally, in Australia, the Reserve Bank has kept interest rates unchanged, despite inflation tracking within the target range. The Australian market has shown moderate growth, while the tight labor market and cost-of-living pressures impact retail sales, which are growing below average levels. Tune in to hear about the latest economic shifts post-US election, inflation impacts, and what’s happening in key markets across the globe. Get the full scoop on how these trends might affect you and your finances—listen now! - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights US market update  European Central Bank considering reducing interest rates below neutral China's economic strategy ASX200 up 0.25% for the month Consumer spending subdued due to cost of living pressures   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    15min

  6. 5 DE NOV.

    Purchasing a Property Using Super

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss the intricacies of purchasing property using superannuation, particularly through a Self-Managed Super Fund (SMSF). We outline the fundamentals of SMSFs, including the flexibility they offer within the confines of superannuation legislation, as well as the responsibilities involved, such as managing contributions and undergoing annual audits. Also, we cover the costs associated with establishing an SMSF and the potential for property investment, emphasizing the strict regulations that prohibit personal use of SMSF-owned properties and the limitations on related party transactions.  Tune in now to gain the knowledge you need to make informed decisions about your superannuation and property investments! - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights Using superannuation to purchase property Self-managed super fund (SMSF) basics SMSF costs and property aspect SMSF property limitations and benefits Diversification and retirement considerations   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    18min

  7. 29 DE OUT.

    Refinancing Considerations

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode we discuss the key considerations around refinancing a mortgage, especially in light of potential interest rate reductions. We cover various factors, including negotiating with your existing lender, the "loyalty tax," and the pros and cons of fixed versus variable rates. Also, we dig deeper into using offset accounts, interest-only loans, and the importance of having a strategy for debt repayment. Finally, we emphasize being mindful of loan terms when refinancing, as extending the loan period can result in higher overall interest payments. Tune in now to get expert tips and avoid costly mistakes. Hit play and take control of your mortgage today! - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights About refinancing Primary driver for refinancing Principal and interest vs. interest-only repayments Difference between offset and redraw accounts Loan term impact and refinancing strategies   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    24min

  8. 22 DE OUT.

    Choosing The Right Superfund

    Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss the importance of paying attention to superannuation, as 12% of an employee's income is allocated to it. We explain that superannuation is a tax-effective trust structure designed to help grow wealth for retirement. Also, we explore various types of superannuation funds—industry, retail, wrap platforms, and self-managed super funds (SMSFs)—highlighting their differences in investment options, insurance, and complexity. Furthermore we emphasize the need to review your super fund as life circumstances change and advise seeking professional guidance due to the complexity and long-term impact of these decisions. Tune in to this episode now to learn how to make informed decisions about your super fund and ensure you're on the right path for retirement. Click to listen and take control of your super today! - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights Importance of superannuation Preservation rules keep money locked until retirement Four main categories of superannuation funds in Australia Importance of comparing funds on the same basis Importance of making the right choice early in one's career   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast

    28min
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Sobre

Welcome to the 360 Money Matters podcast where Financial Planners, Billy Amiridis and Andrew Nicolaou talk all things Financial Planning. This podcast aims to increase your knowledge and confidence with all thing’s money. Each week we will cover topics such as investing, cashflow and budgeting, saving, passive income, debt management, and much more so you can live life on your terms without limits.

Informações

  • Criado por
    Billy Amiridis and Andrew Nicolaou
  • Anos de atividade
    2021 - 2024
  • Episódios
    166
  • Classificação
    Livre
  • Copyright
    © Billy Amiridis 2024
  • Site do podcast
    360 Money Matters

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