So you’re retired, what now?

In this episode of the Friends with Money podcast, Money’s Michelle Baltazar is joined by Adam Nettheim, chief customer officer at Commonwealth Superannuation Corporation (CSC). They discuss the transition from traditional retirement planning to a more holistic approach, integrating both digital and human elements, early retirement coaching, and understanding the continuum of retirement.

They also explore the importance of financial and emotional preparedness, the role of super funds as retirement partners, and practical advice for current and future retirees.

00:56 Exploring global retirement trends

03:18 Retirement planning for Australians

06:21 Becoming a retirement partner

11:54 Practical tips for a successful retirement

Links: worldometers.info

#friendswithmoney #michellebaltazar #adamnettheim #retirement

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

Get stories like this in our newsletter: bit.ly/3GDirbR

*Proudly brought to you by Commonwealth Superannuation Corporation (CSC)

See omnystudio.com/listener for privacy information.

The current stock market is turbulent – what's the smartest way to safeguard your investments?

In this week's episode of the Friends With Money Podcast, Money Magazine's Michelle Baltazar chats with Juliana Rajkovic, investment advisor at Escala Partners, about managing investment portfolios during these uncertain times.

They explore the market shocks sparked by U.S. tariffs, the crucial practice of stress-testing and rebalancing, and strategies for incorporating defensive assets such as fixed income and gold. They also delve into how economic changes are influencing various asset classes, including global and Australian shares, property, and private debt.

00:00 Friends with Money podcast open

00:20 Meet Juliana Rajkovic, investment advisor at Escala Partners

01:23 Market uncertainty and volatility

02:15 Recession forecasts and portfolio rebalancing

06:37 Defensive assets and fixed income

09:37 Exploring private debt and credit strategies

11:04 Australian equities and property investments

14:47 Currency considerations and final advice

17:45 Recap and closing remarks

#friendswithmoney #michellebaltazar #julianarajkovic #stockmarket

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

Get stories like this in our newsletter: bit.ly/3GDirbR

See omnystudio.com/listener for privacy information.

On this episode of the Friends With Money podcast, we tackle the confusing world of superannuation fees.

Money's Michelle Baltazar talks with Daniel Shrimski from Vanguard Australia about how a lack of transparency and awareness around these fees can hurt people’s retirement savings.

Shrimski shares practical tips and provides an example on how to potentially save $1,500 each year on fund fees.

00:00 Introduction

00:20 Understanding superannuation fees

00:58 Guest introduction: Daniel Shrimski

01:53 Vanguard Australia's role in superannuation

02:06 The fund with 50 million investors

03:08 The six types of super fees

06:57 Reading your superannuation statement

09:00 Pushing for transparency

11:51 Are you overpaying?

14:00 The average super fund fee

15:31 Conclusion and final thoughts

#friendswithmoney #michellebaltazar #danielshrimski #supersavings

Links:

YourSuper Comparison Tool

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

Get stories like this in our newsletter: bit.ly/3GDirbR

*Proudly brought to you by Vanguard Australia

See omnystudio.com/listener for privacy information.

Many will appreciate the importance of retirement planning, but getting started can feel daunting. Fortunately, technology is helping to change the game.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Jeremy Lack, financial adviser with TelstraSuper Financial Planning, to chat about the emerging digital tools assisting superannuation members with retirement planning. They discuss:

• The types of digital super tools already out there
• Which super members can benefit from using them
• Navigating investment options and risk
• Working out how long super will last in retirement
• How digital tools fit in with traditional financial advice

#friendswithmoney #tomwatson #jeremylack #superannuation

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

*This episode is proudly brought to you by Telstra Super.

Jeremy Lack is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Jeremy gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.au

See omnystudio.com/listener for privacy information.

Cryptocurrency has piqued the interest of many Australians in recent years. So for those looking to access the likes of Bitcoin, is there any advantage to using ETFs over buying directly?

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Marc Jocum, senior investment strategist at Global X ETFs, to dig into cryptocurrency exchange traded funds and what they are all about. They discuss:

• Crypto ETFs versus buying directly
• The crypto assets available through ETFs
• How crypto ETFs actually work
• The recent performance of cryptocurrency
• What the future could hold for crypto ETFs

friendswithmoney #tomwatson #marcjocum #cryptocurrency #ETFs

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

See omnystudio.com/listener for privacy information.

In this bonus episode of the Friends With Money Podcast, hosted by Michelle Baltazar, editor-in-chief at Money Magazine, the focus is on the impact of recent US tariff policies, referred to as 'Liberation Day' by Donald Trump.

This week's guest, Tim Harcourt, chief economist at the University of Technology Sydney, discusses the adverse effects these tariffs will likely have on American workers and farmers, despite Trump's intentions to bolster the US economy.

For Australian investors, Harcourt advises a cautious 'wait-and-see' approach and emphasises the long-term strengths of the Australian market.

#friendswithmoney #michellebaltazar #timharcourt #trumptariffs

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

See omnystudio.com/listener for privacy information.

In this episode of the Friends With Money Podcast, Vanessa Walker, managing editor of Money Magazine, discusses insurance with journalist Ryan Johnson.

They explore why insurance premiums are rising, ways to find the best value policies, and the inner workings of the insurance industry. They also highlight the winners of the Life Insurance 2025 Awards in various categories.

Tune in for valuable insights and tips to help you make informed insurance decisions:

00:00 Introduction to Friends With Money Podcast

00:53 Understanding Insurance Deals

03:16 How Insurance Works

06:44 Rising Insurance Premiums

08:15 Life Insurance Awards 2025

10:29 Conclusion and Final Thoughts

#friendswithmoney #vanessawalker #ryanjohnson #insurance

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

See omnystudio.com/listener for privacy information.

What are the top 5 mistakes people make regarding retirement?

Did you know, for example, that you need to start planning for retirement a decade beforehand?

This week on the Friends With Money podcast, Money's Vanessa Walker sits down in the studio with Money's super columnist Vita Palestrant to chat about the top do's and don'ts when heading into retirement.

• What's the biggest mistake that people make?
• Why is super such a great investment and tax strategy, no matter what age?
• Should you be worried about the risks?
• What strategies are there if you don't have enough?

#friendswithmoney #vanessawalker #vitapalestrant #retirementmistakes

Listen on Apple Podcasts

Listen on Spotify

Money Website

YouTube Podcast Playlist

Email Us: podcast@moneymag.com.au

See omnystudio.com/listener for privacy information.