Interested in the idea of investing regularly, but don’t have tons of cash to contribute? Micro-investing could be the solution.

This week on the Friends With Money podcast, Money’s Tom Watson is joined by Kylie Purcell, investments analyst at Finder, to run through the ins and outs of micro-investing.

They discuss:

• How micro-investing differs from traditional investing
• The major micro-investing apps and platforms in Australia
• Which assets investors can trade on micro-investing platforms
• Some of the benefits and downsides of micro-investing
• Micro-investing fees and the impact on returns

#friendswithmoney #tomwatson #kyliepurcell #microinvesting

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.

The RBA handed down a surprise cash rate decision on Tuesday, so why were rates held and what could be in store next month?

On this bonus episode of the Friends With Money podcast, Money’s Tom Watson is joined by Paul Bloxham, HSBC’s chief economist for Australia and New Zealand, to discuss the fallout from the RBA Monetary Policy Board’s July meeting.

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.

In this episode of the Friends with Money podcast, we explore the housing crisis in Australia and how renting out spare bedrooms could help provide more affordable housing.

Money's Ryan Johnson joins host Managing editor, Vanessa Walker, to discuss the housing shortfall in Australia. They talk about the factors contributing to the crisis, including lagging construction and policies that favour investors over first-time buyers. Ryan explains how the 13 million unused spare bedrooms across Australia are an untapped resource that could help ease supply constraints. We learn who owns these spare rooms, the barriers keeping them from renting them out, and how policies could incentivise making better use of this latent housing supply.

Key Takeaways:

2:30 - There is a 250,000 home shortfall between housing needed and current supply. Construction isn't keeping pace with demand.

5:15 - Older Australians own most of the 13 million unused spare bedrooms, often in large, empty nest homes.

8:00 - Emotional barriers like safety concerns and desire for privacy have kept seniors from renting out rooms.

10:30 - Clarification on how capital gains tax applies when renting out part of a home.

13:00 - How rental income affects pensions - calls for policy tweaks to incentivise room rentals.

15:30 - Bank now counts rental income toward mortgage eligibility.

To learn more about Australia's housing crisis and the spare bedroom solution, be sure to listen to this insightful episode!

#friendswithmoney #vanessawalker #ryanjohnson #housingcrisis #sparebedroom

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.

In this bonus episode of the Friends With Money Podcast, Michelle Baltazar, editor-in-chief of Money magazine, chats with Stephen Dover, chief market strategist at global fund manager Franklin Templeton, which manages more than $2.35 trillion in assets globally.

They explore the implications of the 'Big Beautiful Bill'—a significant tax bill aimed at reducing dependence on imports, boosting jobs, and fostering economic growth through tax cuts and regulatory changes.

They also discuss how Trump's new tariffs could impact Australian investors.

#friendswithmoney #michellebaltar #stephendover #trumpstariffs

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.

The age pension can be a crucial part of the financial mix in retirement, but many retirees aren’t unlocking its full potential.

On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Andrew Dinsdale-Scanlon from TelstraSuper Financial Planning to run through the financial strategies that could help Australians maximise their age pension entitlements.

00:00 Introduction

00:41 Overview on maximising the age pension

01:48 Strategies to reduce assets

03:31 Spousal contributions

05:13 Understanding lifetime pensions

08:07 The impact of debt on the age pension

09:49 Conclusion

#friendswithmoney #tomwatson #andrewdinsdalescanlon #agepension #superannuation

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 Telstra Super

Disclaimer:
Andrew Dinsdale-Scanlon 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 Andrew 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 . Additionally, the scenarios discussed are based on the relevant superannuation rates and thresholds for 2024/25 and may change in future years. 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.

Curious about the latest Consumer Price Index data and its impact on interest rates?

Join Money's Michelle Baltazar and Ivan Calhoun, chief economist at Creditor Watch, on our bonus Friends With Money podcast episode.

Get the latest on the recent CPI numbers and the upcoming RBA’s rate decision.

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.

In volatile markets, is there anywhere you can safely invest your hard-earned cash?

In this episode of the Friends With Money Podcast, Michelle Baltazar, editor-in-chief of Money Magazine, discusses the concept and benefits of Global Private Credit with Nehemiah Richardson, chief executive and managing director at Pengana Credit.

The discussion centers around why diversification, especially in financial uncertain times, is important and how Global Private Credit can offer attractive investment opportunities.

They also touch on how retail investors can access this asset class and introduce Pengana's TermPlus product.

00:19 Market whiplash and diversification

00:56 Understanding Global Private Credit

01:51 Investment characteristics and benefits

04:14 Risk mitigation and manager selection

06:17 Local vs. global private credit

10:12 Innovations in global private credit

10:56 TermPlus: A new investment product

14:37 Final thoughts and advice

#friendswithmoney #michellebaltazar #nehemiahrichardson #pengana #globalprivatecredit

Links: https://termplus.com.au/

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 Pengana Capital

Pengana Capital Limited (Pengana) (ABN 30 103 800 568, AFSL 226 566) is the issuer of units (Term Accounts) in TermPlus (ARSN 668 902 323). Any advice provided is general in nature and does not take into account your particular objectives, financial situation or needs. You should consider the PDS and TMD available at www.termplus.com.au before investing in TermPlus. For further details, please see the Important Information page at www.termplus.com.au/important-information/.

See omnystudio.com/listener for privacy information.

In this bonus episode of the Friends with Money Bonus Podcast, Vanessa Walker from Money Magazine interviews Jane McNamara of NBN about the upcoming accelerated speed plans starting in September.

Jane discusses how these changes will benefit the growing number of connected devices in Australian homes and offers advice on leveraging end-of-financial-year sales to upgrade plans or in-home equipment.

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.