The Wealth Collective: Recent Episodes
The Wealth Collective Podcast
The Wealth Collective Podcast by Pekada is all about making money simple.
Hosted by financial advisers Pete Pennicott and Zac Masters, you will be getting expert insights, tips and views on investing and personal finance whilst having a laugh along the way.
In this episode Pete & Zac discuss the financial moves you make in your thirties, off the back of Zac recently turning 30.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this episode Pete & Zac discuss there financial predictions for 2023 in the last episode for the year! Thank you to our loyal listeners for this year and as always, please send through any questions!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this episode Pete & Zac discuss tips for dealing with financial stress off the back of some worrying data of late.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this episode Pete & Zac discuss what you should be thinking about when selling your investments to fund your family home.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss whether or not you should move your investments as you age.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss the value of time in your financial plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss different ways to minimize capital gains tax.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss federal treasurer Jim Chalmer's first budget. The economic outlook that was included within the budget along with some of the superannuation, tax and social security implications.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss the buzz word of 2022, inflation! They take a look at how inflation can impact upon your financial plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss how to utilize your leave entitlements to kick start your retirement!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss how are behaviors and emotions can impact on our investing!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss financial scams and how to avoid them, especially topical with the Optus data hack at the forefront of peoples minds!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss financial strategies for your final working years.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss rising interest rates and things you should consider during these times.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss intergenerational wealth transfers and end of life planning. We look at superannuation death benefits tax, estate planning and early gifting.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss some recent studies around how much is needed for retirement and how you can try to figure out what is right for you.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac discuss values based advice and why values are important when building your financial plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Pete & Zac take a look at the psychology of spending and how to spend in a positive way.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode Pete & Zac bust their biggest insurance myths. They discuss life insurance, total and permanent disablement, trauma and income protection.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode Pete & Zac run through their top 5 tips for the new financial year to make sure it starts off the right way!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode Pete & Zac run through the importance of asset allocation.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On today's episode, Zac Masters from Pekada is joined by Andrew Date from Industry Insiders to discuss what is happening in the property market at the moment, especially off the back of today's 0.5% interest rate hike from the RBA.
Andrew is the founder of Industry Insider has been helping clients navigate buying and selling in the residential space in Melbourne, Bayside & The Mornington Peninsula. Andrew has a unique insider’s view into how the sales agents and auctioneers operate behind the scenes as he was previously an auctioneer before starting Industry Insider in 2015.
Industry Insider website - https://www.industryinsider.com.au/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this weeks episode, Pete Pennicott and Zac Masters from Pekada take a look at a few financial red flags for a relationship. They look at what these can mean for your relationship long term and your own personal goals and values.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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We're back!
On this episode Pete Pennicott & Zac Masters discuss what is happening in the world at the moment with the US entering a bear market. They also take a look at what you should be doing with your investments and financial plan during these times.
Blogs mentioned:
https://awealthofcommonsense.com/2022/06/how-long-does-it-take-for-stocks-to-bottom-in-a-bear-market/ - Ben Carlson
https://www.collaborativefund.com/blog/once-in-a-lifetime/ - Morgan Housel
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this episode Zac Masters & Anthony Malvaso unpack the top ten financial planning jargon terms.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, it's just Zac! So Zac runs us through his top 4 tips for starting a new job. We discuss superannuation tips, income protection, tax, savings plans and more.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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With us in the midst of the AFL Finals, it got us thinking about the finals of your working life and how you can utilise the last working years to make sure that you boost your retirement.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode of The Wealth Collective podcast, we take a look at the upcoming income protection changes. What they are and why it becomes super important if you are thinking of cancelling or switching insurers for your income protection.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this week's episode, Pete is back! He's here to discuss his recent blog about beating the investment stall and why it can pay to remain patient. You can read his blog here - https://www.pekada.com.au/news/beating-the-investment-stall/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Australian's are living longer and longer and that means that inheritances are being passed on later and later. The average age to receive an inheritance is between ages 55-59, long after most Australians are buying their first home. With this in mind more and more people are looking into gifting an early inheritance to help their loved ones.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode we take a look at microinvesting. This has become quite popular with the success of apps such as Raiz and Stake. We take a look at the pro's and con's and how it can fit into your overall wealth creation plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode we run through our top 3 tips for EOFY planning and what you should be thinking about to improve your financial position at this time of year.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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With Victoria heading into another lockdown, we thought it would be a good time to give our top 5 tips for things you can do during lockdown to improve your financial position. If you're lucky enough not to be in lockdown, then these are tips that you can implement over a weekend.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Spurred on by the recent divorce of Bill & Melinda Gates, we thought it would be worthwhile discussing how you can financially rebound from a divorce and what you should be thinking about.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode we run through the 2021 Budget and how it will impact you along with looking at some potential strategies!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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According to Digital Finance Analytics latest figures, more than 60 per cent of first homebuyers are now receiving help from their parents to put down a deposit on a property and the average gifting is now equating to approximately $90,000. Based on the average first homebuyer deposit amount of $106,743, the Bank of Mum and Dad is providing an average of 84 per cent of the total required deposit for the more 60 per cent of first homebuyers that are receiving parental assistance.
On this week's episode we take a look at the best way's to help your children with a deposit for a home!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode we discuss the notion of working on your own terms and how more and more people are pushing towards this over the conventional retirement. We look at what this means and how you can get there!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode, Zac and Anthony discuss the importance of an emergency fund. They look at how much you should, why you should have one and where you should keep the funds.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this episode Pete, Zac and Anthony take a look at getting your finances organised, why it's important and how you can stay on track.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this episode Pete and Zac discuss how to set goals, turn these into financial goals and also how to hold yourself accountable.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode of The Wealth Collective podcast we take a look at the topic of Renting versus Buying and what things you should be considering when looking at what will be better for you!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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This week we look at how you can customise your super so that it suits you and your retirement goals!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this episode we look at how you can time the market and if you can't do that, then what is going to be the best strategy moving forward for your investment portfolio.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode Pete and Zac run through Cryptocurrency including what it is, how you can invest in it and how it should look as part of your overall investment plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On the final episode of the year, we run through what makes our naughty or nice list for 2020!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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This week we discuss the top super strategies for 2021 and try and uncover some of the strategies that are not as well known. Must listen for boosting your super in 2021!
Links we discuss
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https://www.superguide.com.au/how-super-works/super-for-beginners
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https://www.moneysmart.gov.au/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On this week's episode we look forward and into our crystal ball and try to discuss what we think will be the big investment trends of 2021.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On today's episode, Zac Masters from Pekada is joined by Andrew Date from Industry Insiders to discuss his top 5 tips for buying a home..
Andrew is the founder of Industry Insider has been helping clients navigate buying and selling in the residential space in Melbourne, Bayside & The Mornington Peninsula. Andrew has a unique insider’s view into how the sales agents and auctioneers operate behind the scenes as he was previously an auctioneer before starting Industry Insider in 2015.
Industry Insider website - https://www.industryinsider.com.au/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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With under a month until Christmas, Pete, Zac and Anthony discuss how you can financially prepare and give some tips on how to be financially efficient this festive season!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In a very exciting episode for us, we look back at our previous 99 and identify the biggest financial lessons and themes throughout and discuss what we've learnt along the way.
A big thankyou to all of you who listen to us as we couldn't keep going without you!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this episode Pete and Zac discuss what you should be thinking about when creating an investment for children. They take a deep look into what investments you should be looking at, what strategies you should use and what structures may work best.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Given that it was election week this week, we look back at the impacts the elections have had on investment markets, what this election potentially means for you and what changes you should be making to your portfolio, if any.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Behavioral finance attempts to understand and explain observed investor and market behaviors. This differs from traditional (standard) finance, which is based on hypotheses about how investors and markets should behave. Behavioural finance studies the psychology of financial decision-making because emotions affect investment decisions.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Most people know the investing world is made up of shares, property and cash style investments but there are more and more alternative investments popping up that are different to these. So on today’s episode we are going to look at what options are out there and how they can work within your portfolio.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In the world of investing their is lots of different types of income and the terminology can often be confusing. you have dividends, fully franked dividends, distributions and more which can often lead people to get confused when they are setting up an investment portfolio. Another thing that people often wonder about is whether or not they should aim for income in a portfolio or growth? In today's episode we delve deep into this question and more!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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A special edition of The Wealth Collective Podcast as Pete, Zac and Anthony run through the federal budget and look at the particular proposals that will affect you and your personal finances, along with discussing their thoughts.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Trade time is starting to heat up in the AFL at the moment and you often start to hear big numbers spoken about in terms of potential trades which led us to think about how young, self employed people who are making good money should start to look at their finances.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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At the moment we are going through a recession and that makes people start to question what they should be doing with their finances and how will this impact their investments. On today’s show we’re going to delve deep into investing through a recession and how can you successfully invest through one.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In this week’s episode of The Wealth Collective Podcast we answer a question in from Scott, a listener of the show who asks around investing in index funds in superannuation and what you might miss out on if you just invest in the index.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Your 40’s are a pivotal stage in your financial life. This decade has the opportunity to set you up for retirement and the rest of your life so you’re not worrying about your financial situation. On today’s episode we look at what financial moves you should be making in your forties.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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Mortgage stress has featured a bit in the news recently with a lot of people potentially experiencing it due to a loss of income during covid. We look at what options you have if you are experiencing mortgage stress and what you can do to try and avoid it in the first place.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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On today's episode, Zac Masters from Pekada is joined by Andrew Date from Industry Insiders to discuss what is happening in the local property market and share some of his expertise on buying, selling and renting out properties.
Andrew is the founder of Industry Insider has been helping clients navigate buying and selling in the residential space in Melbourne, Bayside & The Mornington Peninsula. Andrew has a unique insider’s view into how the sales agents and auctioneers operate behind the scenes as he was previously an auctioneer before starting Industry Insider in 2015.
Industry Insider website - https://www.industryinsider.com.au/
Industry Insider's property management competition - https://www.industryinsider.com.au/services/property-management-melbourne/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
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In recent times when everyone has been getting their renewal notices for their personal insurances such as income protection and life insurance, they have usually been subject to a decent rise in cost of premiums. Most people don’t like paying for insurances but understanding it’s importance, however no one likes to receive a letter stating a decent increase in the cost of that insurance, so on todays episode we’re going to run through some of the things you can do to curb the cost of your insurance premiums.
Read Zac's full blog here.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips!
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There is often confusion surrounding the concept of estate planning, and too often people dismiss this as simply having a Will. But that is only part of the picture.
A complete estate plan allows you to deliberately plan for the future management of your assets, and to determine who will make decisions on your behalf should you become unable to do so in the future.
The first step to ensuring your estate assets are distributed as per your wishes, is to get a complete picture of your financial affairs including information about your financial position, structures and the important people in your life.
Read Pete's full blog here.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips!
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In this week's episode, Zac Masters is joined by a very special guest. Geoff Prior is the director and principal trainer/coach with Lingford Consulting Services. As a productivity coach, he loves providing practical tools and strategies that help people and teams manage their email and workloads more effectively.
Geoff works with organisations in both the public and the private sectors, including extensively within local government. He can communicate clearly and effectively and can motivate people to take on board new concepts.
Prior to starting up Lingford Consulting, Geoff managed a large regional Victoria-based manufacturing business that employed more than 200 people. Having always had an interest in productivity technology, he began training and coaching people to be more productive from early in the era of desktop computing.
They discuss working from home and how it is different to the office set up, the Myer Briggs personality test along with giving some technology and home office set up tips.
To get in touch with Geoff or read his blogs head to https://www.lingfordconsulting.com.au/
Here is the link to the podcast that Geoff discusses in the podcast - https://www.lingfordconsulting.com.au/microsoft-office-365a/conversations-in-microsoft-teams-more-efficient-than-email
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips!
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Google searches for the term ‘divorce’ surged to their highest point in 12 months at the end of June, surpassing the usual spike after Christmas and new year. Experts believe this can be caused by the lockdowns from Covid-19 and potential stresses on relationships that the pandemic has caused. This got us thinking about one of the most common causes of stress in a relationship and that is money. So today we are going to talk about how you can avoid fighting about money, in particular:
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Why is it that couples fight about money?
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How bringing in a third party can help?
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What strategies there are to help stop fighting about money.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips!
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Usually people look to start personal new years resolutions in January and we feel that a new financial year is a great time to sit down and start to look at setting some financial goals. In today's episode we look at this and in particular:
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How do I know what goals to set?
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How do I remain on track?
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What's different about the new financial year this year and what should be considered compared to previous years.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips!
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With the recent success of popular shares such as Afterpay, we thought it would be timely to discuss whether or not you should let your winners ride or do you take some profit and diversify across the rest of your portfolio. Pete Pennicott, Zac Masters and Anthony Malvaso look into this topic.
In particular we discuss:
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Concentration risk
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How much percentage of a portfolio one individual stock should be
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How do you decide what action to take.
We also answer a mailbox question regarding employer paid income protection policies.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips!
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In this episode Pete, Zac and Anthony delve into how to retire early, how retirement is changing and how to make your money last in retirement.
They delve into detail about how retirement is changing for different people, are people wanting to still work part time during retirement or are they just wanting to know that they have the financial freedom to leave work when they want? This is the type of planning that more and more people are doing rather than a traditional retirement but to be able to do that you need to plan and understand what numbers you need and what the future will look like for you.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips!
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In this episode Pete, Zac and Anthony delve into one of the most common questions that we get asked as advisers and that is 'should I put extra super contributions in or pay down my mortgage?'
Have a listen and find out!
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In this episode Pete, Zac and Anthony discuss how you can replace your income whilst still adhering to the rules in place for COVID-19.
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In this episode Pete and Zac run through their top EOFY tax time tip and answer a mailbox question about whether or not you should use a mortgage broker.
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On this week's episode Pete Pennicott and Zac Masters welcome back Anthony Malvaso to discuss the misconceptions of financial advice and try to uncover what the true value of financial advice is.
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In this episode Pete and Zac are joined by Anthony Malvaso from AJM Advisory Group to discuss how retirees can use their home as a source of income. In particular we discuss:
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Downsizing
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Reverse Mortgages
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Pension Loan Scheme
Reverse Mortgage Calculator: https://moneysmart.gov.au/retirement-income/reverse-mortgage-calculator?gclid=Cj0KCQjwwr32BRD4ARIsAAJNf_3jieltqNm2-Vu6FVs8zGc41hdBCZj-98XlX4Fb_WfqtE2WhRV6uNwaApJAEALw_wcB
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After the big four banks slashed their dividends, people have been searching for income. In this episode Pete and Zac give some alternatives to the big four banks where you can find income.
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In this episode of The Wealth Collective Podcast, Pete Pennicott and Zac Masters from Pekada discuss the importance of a risk profile and how it is a key component of any wealth creation strategy.
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In this episode Pete and Zac discuss what the best structure is for your personal insurances. Is it held through super, superlinked or held in your personal name? Have a listen to find out.
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In this week's episode we review the heavyweight bout that is, Property Vs Shares. We look at the 'tale of the tape' between the two and see who comes out on top.
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In this episode Pete Pennicott and Zac Masters take a look into the three main types of superannuation and how they differ from each other so you can make an informed decision on what is best for you.
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In this episode we run through a heap of resources we love to improve your financial literacy and up-skill your Money-IQ. Links here: https://www.pekada.com.au/news/free-resources-to-up-skill-your-money-iq-during-self-isolation/
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With everything going on at the moment during the coronavirus pandemic, people have been questioning whether or not they should switch their investments. We discuss this, some tips on investing through down periods and more on todays podcast, enjoy!
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Recently the government announced it would allow people who have been financially affected by COVID-19 to access up to $20,000 from their super but this can have long lasting implications on your financial future, We discuss why and more in today's episode.
Read the blog here: https://www.pekada.com.au/news/the-risks-with-taking-your-super-out-now/
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We are going through unprecedented times in terms of market volatility brought on by COVID-19 (Coronavirus). In this episode Pete Pennicott and Zac Masters chat to Brad Matthews from Plain English Economics. In this episode we discuss:
- The falling AUD and the impact of hedged or unhedged investments
- When will the volatility end?
- The possibility of recession for Australia and countries abroad
- Which sectors may be more negatively effected more than others
- Is now a good time to be buying?
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In this week's episode Zac Masters interviews Rachel Lane. Rachel is the Principal of Aged Care Gurus and co-author with Noel Whittaker on “Aged Care, Who Cares?” and "Downsizing Made Simple". Rachel oversees a national network of financial advisers dedicated to providing quality advice to older Australians and their families. Stay tuned at the end of the show as we let you know how you can win a copy of her book, Downsizing Made Simple.
In this episode we talk about:
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Aged Care
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Downsizing and 'Right-sizing'
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Problems faced in the aged care sector
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Pension Loan Scheme
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And much more!
More about Rachel: Rachel Lane is Australia’s aged care guru. Her engaging explanations of the ins and outs of financing retirement living and aged care are embraced by thousands of readers of the Sydney Morning Herald, Melbourne’s Age, and the Brisbane Times and she frequently speaks on radio and television.
She has co-authored a number of books including the best-seller Aged Care, Who Cares? with finance expert Noel Whittaker who she has again teamed up with recently to write “Downsizing Made Simple”.
Rachel has specialised in retirement living and aged care for more than 15 years and holds a Masters in Financial Planning which included a thesis on the financial drivers of consumers and operators in aged care.
Website: https://agedcaregurus.com.au/
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We have recently been going through some times of volatility on the share market and thought it would be worthwhile to talk about goals based investing. Goals based investing, as the name suggests is all about investing for your goals rather than just investing to try and outperform the market. Throughout the episode we'll go through goal based investing, how it can work and the pro's and cons associated.
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How many stocks is the perfect amount for a portfolio? It's a common question that we get asked quite a bit. On this week's episode we discuss this along with how much diversification is too much or is a concentrated portfolio the right way to go. In this episode we talk about:
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Portfolio construction
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Diversification vs concentrated portfolio's
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Modern portfolio theory and much more!
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In this episode Pete and Zac discuss how to choose the right credit card. In particular they look at:
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Annual Fees
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Sign up bonuses
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Using your points
If you have any questions you want covered in upcoming episodes please email connect@pekada.com.au or hit us up on any of our socials.
Some links to info discussed in the episode:
Points Hacks discussing reward point valuations: https://www.pointhacks.com.au/rewards-points-valuations/
Canstar credit card guide: https://www.canstar.com.au/credit-cards/
Choice credit card guide:https://www.choice.com.au/money/credit-cards-and-loans/credit-cards
Moneysmart tips on choosing a credit card: https://moneysmart.gov.au/credit-cards/choosing-a-credit-card
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In this weeks episode of the wealth collective podcast, Pete catches up with Brad Matthews from Plain English Economics about the coronavirus and the impacts that it's having on financial markets and we also talk to Hillary Van Estrop from together financial services to talk all things mortgages. Hope you enjoy it!
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One of the most important things when you are looking to be financially successful is to make sure you don't fall into the trap of making the most common financial mistakes. In this episode Pete and Zac run through these and how to avoid them.
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In this episode Pete and Zac run through the options for investing for growth along with explaining a few different strategies.
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In this episode Pete and Zac go through new superannuation strategies to use for 2020 along with some tried and tested ones that will help you boost your super.
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On this week's episode Pete and Zac are joined by Dave Robbins of Performance Property Advisory and BuyerX. They discuss rentvesting, looking outside of your neighbourhood for investment opportunities and a general property market update for Australia.
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In this episode Pete and Zac discuss how to plan and deal for financial uncertainty.
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You are in for a treat today as I am joined by Noel Whittaker all the way from sunny Brisbane. Noel is one of the world’s foremost authorities on personal finance. His CV is one of the most impressive ones you can imagine…. and includes being an International bestselling author, finance and investment expert, radio broadcaster, newspaper columnist and public speaker. His contribution to personal finance has been immense. It has seen him be awarded the Australian Centenary Medal in recognition of his services to the financial services industry. In 2011 he was made a Member of the Order of Australia for service to the community in raising awareness of personal finance. We are talking to Noel today about his new book " Making money Made Simple"… which is a completely revised and updated version of his original best seller which sold more than 2 million copies. It is a great read and provides reasoned and realistic views on goal setting, investing, superannuation, debt, and all things personal finance.
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In this episode Pete and Zac discuss dividends and in particular dividend reinvestment plans and the pro's and con's of putting them in place.
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In this episode Pete and Zac run through all of their financial travel tips.
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In this episode Pete and Zac take a look at streaming and the different ways to invest in the trend.
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In this episode Pete and Zac talk about all the things we have to invest.
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In this episode Pete and Zac discuss the age old question of whether or not you have enough super.
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In this episode Pete and Zac run through their 50 top financial tips in celebration of our 50th episode! Here are our top 50 tips below.
- Start Today
- Start with the end in mind
- Put regular savings towards your future
- Automate your regular savings
- Diversify your investments
- Understand your risk profile
- Get your structure right
- Have a rainy day cash buffer
- Have goals to work towards
- Don’t be a reactive seller
- Start saving for children as early as possible
- Structure your portfolio to meet your objectives, not someone elses
- Teach your children about finances
- See opportunity when others are panicking
- Spend less than you earn
- Be an investor, not a speculator
- Focus on value, not just what is cheapest
- Review your super fund
- Check your supers performance against others
- Beware of accessibility of super
- Don’t ever be left without insurance (Don’t rollover super fully if there are some insurances in there)
- Insure your health
- Review your insurances regularly
- Check your insurance definitions
- See what is better for you, stepped or level?
- See if you have trauma, if not, think if you need it.
- Structure your insurances correctly, inside vs outside of super
- Plan for retirement early
- Know your number - how much you’ll need/want in retirement
- Be aware of your available super contributions
- Be aware of sequencing risk
- Get the right asset mix in retirement
- Have a will
- Review your super death nominations
- Look at a binding financial agreement
- Beware of STD’s (Sexually Transmitted Debt)
- Have a yours / mine / ours approach to money if you’re in a couple
- Use the first home super saver scheme
- Use the downsizer contribution
- Check your interest rate
- Get an offset account
- Try to keep the emotion out of investment properties
- Maintain a good credit rating
- Track your cashflow
- Re evaluate your spending on frivolous purchases
- Be wary of credit card debt
- Use your tax return wisely
- Understand and plan for the impact of tax
- Get a good team of professionals around you
- Invest in yourself
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Getting married for a second time can cause complications financially, especially if there are children from a previous marriage. It should be something that is discussed so that everyone is on the same page and therefore avoids problems in the future.
In this episode we discuss some things you should be thinking about in relation to your finances if you are getting into a second relationship or marriage. We talk about things such as:
- Estate Planning including wills and binding financial agreements.
- How to have a discussion about your finances with your partner
- Yours, mine, ours approach to money
- Working towards joint goals
- Superannuation death nominations and
- much more!
For link to the full transcript and more go to https://www.pekada.com.au/2019/11/episode-49-money-tips-for-second-marriages/
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Retirement is changing. Decades ago people were lucky to make it to their retirement and now we are living longer and therefore having to fund more years. In this episode we speak about this changing mentality of retirement and give some tips on how to make retirement work best for you.
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In this episode we look at the age group of those 55 and above. The issues that can affect this group and some ways to combat those problems whilst also looking at some strategies to use debt for your advantage,
Entering retirement, owning your own home and being completely debt free is for many people the great Australian dream. But with lifestyles changing and living expenses on the rise, it is not necessarily possibility for everyone, and many people enter this stage of life with a mortgage.
Some of the strategies to consider for those above 60 would be to get pro-active with their debt strategy in advance of retirement by understanding how you want your lending facilities to look for the rest of your life. This is important as your opportunities to restructure this become more limited as you get older and when retired.
If you are planning to carry out a home loan into retirement, it is important to know that it’s not necessarily an impossible thing to manage, but you need to plan for it as part of your household budget. You might be potentially learning to live off a lower income amount if you’re finishing up working full time and therefore the repayments need to be factored in because as a percentage they could be eating up more of your income and your lifestyle could be affected as a result.
Often the biggest asset that individuals have is the family home, and with property price increases over the last decade being so significant this effect has been compounded.
With such large amounts of our wealth tied up in non-income producing assets such as the family home, debt strategies will form a bigger part of retirement planning than ever before.
A family home is not income producing but provides a host of other benefits including peace of mind, a sense of financial security and a place to call home without the fear of getting told by your landlord that you need to move. Whilst they are great benefits, it doesn’t assist in funding your lifestyle. Short of renting out a room, charging board, or perhaps listing on Airbnb, the family home is not going to generate any income that's going to help fund your lifestyle needs in retirement and options for accessing the equity in the home may be required to meet this.
Care needs to be taken because this is an asset that often has a deep emotional connection, so you want to make sure that you are not putting this at risk by overextending and not being able to meet repayments. But, if used correctly, you could be accessing just a part of the equity and the ongoing growth in the property to supplement your lifestyle whilst still being able to remain in a property that you're comfortable in and feels like home.
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In this episode Pete and Zac discuss how to manage debt for those in the age group of 40-55.
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In this episode Pete and Zac talk all things debt specifically aimed at the age group 20-40.
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This week Pete and Zac discuss what financial freedom is and the 5 steps on how to get there!
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In this episode Pete is joined by Brad Matthews to discuss all things investment markets and then Zac joins Pete to discuss alternative investments.
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In this episode Pete and Zac talk all things inheritance, from how to plan to minimise tax when potentially giving one away in the future to what to do if you receive one.
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In this week's epsode Pete and Zac are joined by mortgage broker Kate Allison from the Australian Lending and Investment Centre (https://www.alic.com.au/kate-allison) to discuss why you should see a broker, how to choose a good one and get some information on home loans. To get in touch with Kate check out her LinkedIn profile https://www.linkedin.com/in/kate-allison-108a8365
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Currently we are experiencing more volatile times in the markets and this has lead to Pete and Zac receiving a few emails from clients asking what they should do. In this episode they talk about behavioural finance and how you can control your emotions when it comes to investing.
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Inspired by bookweek Pete and Zac go through their top 3 financial books each.
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Pete and Zac run through the most effective and efficient ways to boost your superannuation balance.
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In this episode Pete and Zac delve into the world of ethical and sustainable investing and see if there are profits to be had.
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In this weeks episode we dive into the age old question of where should I invest, inside super or outside super?
Show notes here - https://www.pekada.com.au/2019/08/episode-36-inside-super-vs-outside-super-where-should-i-invest/
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In this episode of the podcast Pete and Zac run through how to financially prepare for having a child and Pete runs us through some of his experiences as he currently has a one week old daughter and an 18 month old son.
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One of the main questions we get asked as advisers is whether or not someone should get a self managed super fund. In this weeks podcast Pete and Zac go through and discuss the reasons and rationale for getting an SMSF and how it mightn't be right for everyone.
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With most people getting an extra $1,080 in their tax returns this time around, Pete and Zac share their top 5 tips for what to do with your tax return.
Blog here: https://www.pekada.com.au/2019/07/top-5-tips-on-how-to-use-your-tax-return/
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In this episode Pete and Zac exactly what it is that financial advisors and planners actually do and the processes involved with getting financial advice.
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In this episode Pete and Zac look at an investment megatrend that has been gripping the US which is alternative plant based protein. We have seen this in the media a bit recently through the rise of the Beyond Meat IPO and the change to more and more people no longer eating meat. They take a deep dive into some of the companies working in this space.
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This week Pete and Zac sat down with Kyp Kyprou, Director at the Home and Investment Lending Centre to talk about what is happening currently in the lending market and some tips for potential borrowers.
To contact Kyp go to www.hilc.com.au or email him at kyp@hilc.com.au
To get your credit report - https://www.equifax.com.au/
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On this weeks episode Pete is joined by Brad Matthews from Plain English economics where they discuss;
- the trade dispute between China and the U.S. and if it is a serious risk for equity market investors
- interest rates have continued to decline locally and abroad and why they are being maintained at such low levels and
- how locally there seems to be more optimism around the outlook for the housing market since the election and whether we have seen te bottom of the price cycle.
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This week the RBA decided to cut rates to historic lows which means that we are currently in one of the lowest interest rate environments we have seen. Pete and Zac run through some tips on how to invest for income in these times.
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In this episode Pete and Zac run through how the Golden State Warrior's starting five relates to investments and building a super-team-esque investment portfolio.
blog here: https://www.pekada.com.au/2019/05/what-the-nba-super-team-can-teach-us-about-investing/
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In this episode Pete and Zac discuss what investment bonds are and how they can be used. Including some strategies that you might not have thought about!
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In this episode Pete and Zac run through the costs associated with educating and caring for a child and how you can best prepare for these new costs with an emphasis on funding private school fees.
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In this episode Pete and Zac run through the five biggest policy changes proposed and how these could potentially impact your investments.
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In this episode Pete and Zac go through the 7 deadly sins and how they relate to investing.
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In this episode we go through some of the questions we have received including how often people should review their insurances, what is a share buy back and is it worthwhile and also what is the best way to transition to retirement,
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in this episode Pete and Zac discuss the financial implications of getting a redundancy and how you can make it work in your favour rather than seeing it only as a negative. They discuss the ways to make the most of your package and what you should be looking out for when you start a new job.
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In this episode we are joined by Property Advisor from Synergy, Andrew Skubel. We discuss where we are at in the market and what people should be thinking if they are looking to buy property in the near future.
For more detail on Andrew go to http://synergybsm.com.au/ and his profile is here at http://synergybsm.com.au/agents/andrew-skubel/
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In this episode we are joined by Senior Associate from Argent Law, Stephanie Hope. We discuss all things Divorce and the financial implications of this.
Steph is a family law specialist with years of expertise in the family law field. If you want more details on how to contact Steph please go to https://www.argentlaw.com.au/
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In this special episode of the Wealth Collective podcast, Pete and Zac discuss the proposed changes and announcements from the 2019 federal budget and how these could potentially impact you.
If you have any questions about the budget and how it might impact you, email them through to connect@pekada.com.au
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In this episode Pete and Zac are joined by Cameron Johnson from Rucker Financial to discuss personal tax. Getting closer towards the end of financial year it is timely to discuss ways to legally minimise tax and what people should be doing during the year to make tax time a lot easier.
To get in contact with Cameron you can email him on cameron.johnson@rucker.com.au or call the office 03 9874 7255.
ATO App: https://www.ato.gov.au/General/Online-services/ATO-app/myDeductions/?=redirected
For more information on gifts and donations: https://www.ato.gov.au/individuals/income-and-deductions/deductions-you-can-claim/gifts-and-donations/
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in this weeks episode Pete, Zac and Mardy talk about what it means to live richly and how to achieve it. We have just launched our #dontdiepoor campaign that is all about helping people live richly.
Read more about it here: https://www.pekada.com.au/2019/03/dont-die-poor-how-pekada-can-help-you-live-rich/
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In this episode Zac and Pete discuss the proposed changes to franking credits should Labor get in at the next federal election which is looking more and more likely. This is a policy that will potentially affect a lot of self funded retirees so we look at the possible ramifications and what portfolio changes, if any, you should look to implement.
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It is International Womens Day and Pete is joined on the podcast by Principal Adviser @ Pekada, Rhiannon Kanoniuk talking about some interesting studies which suggest that women are better investors than men.
There are some big generalisations here, but well worth diving into the findings.
Articles of interest:
- Forbes - Why Women Are Better At Investing
- Fidelity - Who's the Better Investor: Men or Women?
- Berkley Study - Boys Will Be Boys
- Fidelity - Women and Money
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In this episode Pete and Zac are joined by Daniel Reaper to discuss the keys to investing for long term profits and strategies that will hopefully make you a successful long term investor.
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In this episode Pete and Zac are joined by Brad Matthews from Plain English Economics to discuss current market and economic conditions and what to expect in the future.
Zac and Pete also discuss what a risk profile is and how it can impact your investments and how you construct a portfolio.
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In this episode Zac and Pete discuss how to make your kids money smart. Sharing tips on how to educate children about money and investing from an early age through to young adulthood.
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In this episode Pete, Zac and Dan run through the findings of the royal commission and how these will affect you as an Australian. They look in detail at some of the key findings and what this will mean for everyday Australians looking at getting advice.
Royal Commission reports - https://financialservices.royalcommission.gov.au/Pages/reports.aspx
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In this weeks episode Zac and Pete discuss the age old question 'will I have enough to retire?' They go into detail about how you can decide if you will have enough and what to do if it looks like you might be a bit short. They also discuss what asset allocation you should have in retirement.
Retirement Tracker - http://www.superguru.com.au/ExternalFiles/calculators/retirement-tracker/#/
ASFA Retirement Standards - https://www.superannuation.asn.au/ArticleDocuments/269/ASFA-RetirementStandard-Summary-2018.pdf.aspx?Embed=Y
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In this episode of the Wealth Collective Podcast Pete, Zac and Daniel discuss combining finances together as a couple and the things to look for when merging your finances with your significant other.
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Pete, Zac and Dan run through how to effectively set goals and how to set goals that you will actually work towards and be able to achieve. They also run through some of the most common financial resolutions that people set in a new year and give you some tips on how to make them happen.
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Pete, Zac and Daniel take a look at the proposed changes to negative gearing that Labor is looking at bringing in if they're successful at the next election, which is looking more and more likely.
They take a look at the potential implications for these changes and what this could mean for you.
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Latest episode of The Wealth Collective Podcast by Pekada
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We hope you enjoy the podcast and as always feel free to email us any questions at connect@pekada.com.au
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Pete, Zac and Daniel take a deep dive into superannuation funds and what you should be looking for in yours in terms of investment options, insurances, fees and beneficiary nominations.
Also, we were joined by Melissa Robinson from Loanworx (melissa@loanworx.com.au) to talk about home loans, what has changed recently, some tips to ensure you get the best loan for you.
Any questions please contact us on Twitter, Facebook or connect@pekada.com.au
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Pete, Zac and Daniel are on the podcast talking what to do with a big tax return, First home Saver Scheme and TPD cover
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Pete, Zac and Daniel talking why you should see a financial adviser & How to manage your portfolio in volatile times
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