The Wealthlab Podcast (Aust)

Wealthlab AU
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Phil and Scott discuss the world of financial planning, superannuation and how we think about growing and protecting your money.

  1. -1 h

    The Power of Compounding Is Bigger Than You Think

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Everyone has heard that compounding is powerful, but very few people truly understand how it works. The biggest gains often happen later in life, which is why starting early and staying invested can make such a dramatic difference to your retirement outcome. In this episode, Scott and Phil explain the power of compounding in simple terms and why it's one of the most important concepts in long-term investing. They use real-world examples, historical case studies, and retirement planning scenarios to show how time, investment returns, and inflation can either work for you or against you. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    16 min

  2. 28 juin

    The Government Just Changed SMSF Property Investing

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social The government has announced it will ban new borrowing through Self-Managed Super Funds (SMSFs) for residential property. But will this actually make housing more affordable or simply remove another wealth-building strategy without addressing the real issues in the property market? In this episode, Scott and Phil unpack the proposed changes to SMSF borrowing rules, explain how Limited Recourse Borrowing Arrangements (LRBAs) actually work, and examine whether the data supports the government's rationale. They also discuss what these changes could mean for retirement planning and property investors moving forward. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    18 min

  3. 21 juin

    The Financial Trap Hiding in Plain Sight

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to chat? Book a free intro call → →https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social What happens when gambling is dressed up to look like investing? From CFD trading platforms to forex apps and “financial freedom” seminars, millions of Australians are being targeted with products that promise wealth but often leave people worse off. In this episode, Scott and Phil unpack a recent ASIC case that resulted in a $300 million penalty against a CFD provider. They explain how these products work, why so many people lose money, and the emotional and financial damage they’ve seen firsthand from Australians who thought they were investing when they were really speculating. You’ll learn: - What CFDs (Contracts for Difference) are and why they’re fundamentally different from investing - How leverage magnifies gains but can wipe out your money just as quickly - Why ASIC found serious misconduct in the way some CFD products were marketed - The warning signs to watch for in trading platforms, seminars, and “financial freedom” programs - What long-term investing looks like compared to short-term trading and speculation This episode is for Australians who want to build wealth without falling into common investing traps. If you’ve ever been tempted by trading apps, leveraged products, or promises of quick profits, this conversation will help you separate genuine investing from speculation and make more informed financial decisions. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    21 min

  4. 10 juin

    The Property Headlines Are Getting It Wrong

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Every time the property market slows down, the headlines start screaming the same thing: house prices are crashing, rents are exploding, and the sky is falling. But when you look beyond the media noise, the reality is far more nuanced and far more useful for investors and homeowners. In this episode, Scott and Phil unpack what’s really happening in the Australian property market. They explore the impact of higher interest rates, housing supply shortages, proposed tax changes, and why many of the headlines driving fear aren’t telling the full story. You’ll learn: - Why higher interest rates are having a bigger impact on property prices than recent budget proposals - How borrowing capacity changes can affect what buyers are able to pay for property - Why Australia’s ongoing housing shortage continues to support long-term property demand - The risks of buying in large new housing developments where future supply may limit growth - Why investment decisions should be based on fundamentals, not media headlines or tax incentives alone This episode is for Australians aged 55+ who own property, are considering investing, or want to understand how current market conditions may affect their retirement plans. If you’re looking for a balanced perspective and practical insights instead of sensational headlines, this conversation will help you make more informed decisions. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    19 min

  5. 28 mai

    EOFY Super Changes Explained Simply

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ A lot of the superannuation videos online leave people more confused than when they started. So in this episode, Scott and Phil cut through the noise and focus on the super changes that actually matter for Australians over 50 before 30 June. With contribution caps increasing, payday super changes arriving, and several important rules resetting from 1 July, this episode explains the practical actions Australians should be considering right now. The focus is on avoiding mistakes, maximising tax efficiency, and making sure opportunities inside super aren’t missed. You’ll learn: - How the concessional contribution cap is increasing from $30,000 to $32,500 - What carry-forward contributions are and why some unused cap space may expire soon - How payday super changes could accidentally push some people over contribution limits - Why non-concessional contribution limits are increasing to $130,000 per year - The importance of contribution timing, processing cut-offs, and avoiding last-minute mistakes before 30 June This episode is for Australians aged 55+ who are actively contributing to super, preparing for retirement, or reviewing tax strategies before the end of financial year. If you want to avoid costly errors and make smarter super decisions while the rules continue to change, this conversation will help you stay ahead of it. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    14 min

  6. 25 mai

    Has Property Investing in Australia Just Changed Forever?

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Is investment property dead or are Australians just reacting emotionally to proposed tax changes? With negative gearing and capital gains tax reforms dominating headlines, many investors are struggling to work out whether property still makes sense as a long-term strategy. In this episode, Scott and Phil break down the proposed changes to negative gearing and capital gains tax, explain what the legislation is actually targeting, and compare property investing against alternative strategies like ETFs and managed funds. They also unpack the misinformation spreading online and why investment decisions should never be driven by panic alone. You’ll learn:- How the proposed negative gearing changes could impact investment property cash flow- Why capital gains tax changes may not affect investors the way social media claims- How property compares to ETFs and managed funds from a tax and income perspective- Why leverage (borrowing power) has historically made property so attractive in Australia- The importance of focusing on long-term wealth planning instead of reacting to headlines This episode is for Australians aged 55+ who own investment property, are considering downsizing or restructuring assets, or want to understand how proposed tax changes may affect retirement planning. If you’re trying to make calm, informed decisions during a changing market environment, this conversation will help you cut through the noise. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    13 min

  7. 25 mai

    Whats your “Comfortable Retirement” Number?

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ You’ve probably heard the number: $730,000 for a “comfortable retirement.” But what does that actually mean and is it even realistic for your life? The problem is, this figure assumes you own your home outright, spend money consistently every year, and live to a specific age. In this episode, Scott and Phil unpack the famous ASFA retirement benchmark and explain what sits behind the headline number. They explore why the figure changed so dramatically in recent months, how inflation and housing costs are affecting retirees, and why your personal retirement target could be very different. You’ll learn:- What the $730,000 retirement figure actually includes and what it leaves out- Why owning your home outright dramatically changes retirement outcomes- How inflation, rising living costs, and Age Pension changes are increasing retirement pressure- Why retirement spending is rarely “flat” and usually changes over time- How to work out your own retirement number based on your lifestyle and goals This episode is for Australians aged 55+ who are trying to understand whether they have “enough” to retire comfortably. If you want clearer expectations, more realistic planning, and confidence around your future lifestyle and income, this conversation will help you move beyond generic retirement averages.About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    23 min

  8. 25 mai

    Why Financial Advisors Aren’t Allowed to Say They’re Independent

    Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ What does it actually mean when a financial adviser says they’re “independent” and why are most Australian advisers legally not allowed to use the term? It’s one of the most misunderstood parts of financial advice, especially for Australians trying to work out who they can trust. In this episode, Scott and Phil unpack how financial advice regulation works in Australia, why adviser commissions were largely banned years ago, and the strict legal rules around the word “independent.” They also explain how advisers select products, structure advice, and what clients should really be looking for when choosing an adviser. You’ll learn:- Why most Australian financial advisers legally cannot call themselves “independent”- How life insurance commissions still work and why they’re treated differently under the law- The difference between product-based advice and strategy-first financial planning- What “product agnostic” advice means in practice- The key questions to ask when choosing a financial adviser for retirement planning This episode is for Australians aged 55+ who want to better understand how financial advice works before making important retirement decisions. If you’re comparing advisers, reviewing your super strategy, or trying to avoid conflicted advice, this conversation will help you ask smarter questions and make more informed choices. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

    15 min
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À propos

Phil and Scott discuss the world of financial planning, superannuation and how we think about growing and protecting your money.

Informations

  • Création
    Wealthlab AU
  • Années d’activité
    2020 - 2026
  • Épisodes
    82
  • Classification
    Contenu explicite
  • Copyright
    © Wealthlab AU
  • Site web de l’émission
    The Wealthlab Podcast (Aust)

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