The Money Puzzle, with James Kirby

The plain vanilla Exchange Traded Fund (ETF) turned the Australian funds management sector on its head. Now, the whole scene is changing again with everything from Bitcoin funds to leveraged products. In today's show we cover: ETF expert Kanish Chugh joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

For the first time in the history of The Money Puzzle, James Kirby is off sick. James will be back on Thursday with a new episode, but for now we hope you enjoy his chat from last December with Damon Kitney about the families behind Australia’s biggest companies. Who are they, and what can we learn from the way they invest? See omnystudio.com/listener for privacy information.

It might seem like only yesterday that rates were supposed to be coming down but the news changes fast: This week's inflation data has already prompted calls for RBA rate rises. One of the loudest calls comes from this week's guest... who should know - he's an expert in fixed income markets. In today's show we cover: Christopher Joye of Coolabah Capital Investments joins wealth editor James Kirby on today's episode See omnystudio.com/listener for privacy information.

For renters it’s been tough, for property owners it’s been plain sailing as rents grew in double digits last year. With slowing immigration intake and some easing of wider pressures, rent increases are not going to stay at those high levels.Where do rents go from here? In todays show we cover : Nerida Conisbee, chief economist at the Ray White real estate group joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

June 30 this year is a unique tax opportunity for the simple reason your tax bill in FY 2024 is very likely to be higher than FY 2025: That means the deductions are better if you get them sorted in the next two months. In today's show we cover: Dr Adrian Raftery aka Mr Taxman joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

What does the property market look like to Gen Z? The generation born after 1997 that takes a one percent vacancy rate as 'normal'; The people who get 100 applicants for a spare bedroom in a shared house. They have a different story but it is a story we all need to know. In today's show we cover: Sarah Petty real estate reporter for the News Ltd network joins wealth editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

The average HECs student debt is now $26,500 and rising rapidly. Once upon an inflation-free time HECs hardly mattered, now it matters a lot. Worse still, the way HECs is managed by the government is antiquated and unfair to former students. Meanwhile, banks use the debt to reduce your borrowing capacity. No wonder there is a push to change the process. In today's show we cover: Advisor James Wrigley of First Financial joins wealth editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

As the economists continue to push their rate cut forecasts further out, it is now distinctly possible we will not see interest rate cuts this calendar year. What does it mean for the property market and your borrowing plans? In today's show we cover: Dr Doug Turek of Minchin Moore Private Wealth joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

It might be hard to believe but the key numbers for both personal tax and super contributions are going to change again on July 1 2024 - Now is the time to make your plans. In today’s show, we cover: Financial adviser James Gerrard joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

It's the biggest financial challenge for the new generation - how to get a toehold in the property market. In today's episode we cover John Pidgeon of Solvere Wealth and the This is Money podcast joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The ASX just hit a new record and the markets are on a roll: So what should investors be looking for? AI-themed technology stocks and - believe it or not - consumer discretionary companies, says fund manager Roger Montgomery. In today's episode, we cover: Fund manager Roger Montgomery of Montgomery Investment Management joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The promise of the investment property that 'pays for itself' is all too common in the property market and all too difficult to locate in practice. Is positive gearing feasible with high rates and low rental yields? In today's show we cover: Real estate advisor Cate Bakos joins wealth editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

In June 2023 we did our first special edition on AI when we introduced the issue and we talked about Nvidia - the AI chipmaker which is up 200 per cent since that time. Today we catch up on AI in mid-2024 with Matt Barrie, the founder and CEO of Freelancer: an executive at the frontline of AI changes. In this episode we cover: Matt Barrie, the CEO of Freelancer joins wealth editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

For a long time it was a golden rule among financial advisers to pay down your mortgage before any other investment consideration. Well, not any longer…for some investors putting money into super should come first. In today’s show we cover… Financial adviser Bruce Brammall joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The annual Rich 250 has just been released with a whole new crew of debutants pushing the incumbents of previous generations to one side. In this episode, we cover: John Stensholt editor of The List - Australia’s Richest 250 joins Wealth Editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

The Victorian capital is the weakest of the major cities and its apartment market has been a loser for more than a decade. But the soft patch can't last forever: The investment fundamentals for the city are strong and long-term investors could do very well looking a little more closely at the Melbourne market. In today's show, we cover: Adviser Stuart Wemyss of ProSolution Private Clients joins wealth editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The Future Fund's consistently strong returns and its big exposure to so-called 'unlisted assets' have captured the interest of many investors. But, until very recently, most investors could not get access to unlisted assets and were restricted to listed securities such as shares and managed funds. Usefully, things are changing - today we take a serious look at unlisted assets. In this episode we cover Matthew Cassidy of Partners Wealth Group joins wealth editor James Kirby in this episode. See omnystudio.com/listener for privacy information.

This was not supposed to happen: The regions were meant to return to their secondary position in the residential investment market after COVID-19. Instead, over the last three months, prices rose faster than in the cities and the rental vacancy rates remained tight as hell... what gives? In today's show, we cover: Property analyst Louis Christoper of SQM Research joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

Not for the first time a single stock has become the proxy for a red-hot theme: AI and Nvidia are now interchangeable - and the specialist chipmaker has become the world’s top stock. Today we look at the AI boom and the first steps every Australian investor should be taking. In today’s show, we cover: Financial advisor James Gerrard joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.

The consensus view is that interest rates have peaked in this cycle. Banks are already snipping their fixed rate mortgage rates (which is good) while also reducing the rate they pay on cash deposits (which is not so good). It's time to find out what's going on in the finance market. In today's show, we cover: Sally Tindall, head of research at comparison service, RateCity, joins Wealth Editor James Kirby in this episode See omnystudio.com/listener for privacy information.