Making sense of retirement: Super & retirement myths, top tips and Rask’s Retirement Academy
This episode was originally featured on The Australian Finance Podcast.
In this episode of The Australian Retirement Podcast, Gemma Mitchell is joined by Tahli — educator, retirement specialist and long-time member of the Rask team.
After working with hundreds of Australians approaching retirement, Tahli has seen the same patterns over and over again. Most people feel unprepared. Many feel intimidated by the jargon. And almost everyone worries they’ve “left it too late”. This conversation cuts through the noise and gives listeners a clear, calm starting point for planning the next stage of life.
Together, Gemma and Tahli unpack what retirement really looks like in Australia, the biggest misconceptions, and the practical steps that matter most in your 50s and 60s.
In this episode, you’ll learn:
- Why so many people walk away from retirement chats feeling more confused than when they started
- How to map out your own personal balance sheet to work out where you stand
- Why lifestyle planning is just as important as the numbers
- What “asset rich, cash poor” means and why it catches so many retirees by surprise
- How Centrelink treats things like granny flat arrangements and family support
- The biggest myth about retirement planning and why relying on “it’ll sort itself out” can derail your goals
- What to focus on if you're five to ten years away from finishing full-time work
- How to engage with your super fund and what questions to ask right now
- Why diversification is about more than investment choices — and how different structures can create flexibility later in life
- Simple tools and exercises that help people get clarity, including the spreadsheet Tahli uses with her own clients
If you’re ready to understand how retirement works, feel more confident, and make the next decade easier to navigate, this episode is for you.
Resources for this episode
Retirement Mastery Course
Ask a question (select the Retirement podcast)
Visit TermPlus to learn more
Rask Resources
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
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The best opportunity in 20 years? PIMCO's Rob Mead on bond investing, timing & market conditions
In this Australian Investors Podcast episode your host, Owen Rask, chats with PIMCO portfolio manager Rob Mead on how fixed income / bond investing works, why timing matters and reasons to invest right now.
If you like ETF investing, bonds, passive income, managed funds, or the stock market in general, here's what you'll get:
- Rob's lessons from 20 years in bonds- Does timing matter?
- Why 95% of a bond's return is the starting point
- How to understand the 'yield curve' and maturities
- Does Rob think now is the best time to invest in 20 years?
- PIMCO's new EARN ETF and what it doesIf you like this Australian
Investors Podcast episode on ETF investing, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.This podcast is proudly sponsored by PIMCO.
Who is Rob Mead?
Robert Mead is a managing director in the PIMCO Sydney office and co-head of Asia-Pacific portfolio management. Previously, he was an executive vice president of the PIMCO Group, based between Munich and London. Prior to joining PIMCO in 2003, he was a managing director and head of European fixed income at Citigroup Asset Management based between London and New York.He has 36 years of investment experience and holds an undergraduate degree from University of Technology, Sydney, and a graduate diploma in applied finance and investments from the Securities Institute of Australia.
Episode Resources
- View PIMCO ETFs
- Episode with PIMCO's Kanish Chugh on Active v Passive
- PIMCO's Aaditya Thakur on Aussie bonds and what an FI manager actually does
Ask a question (select the Retirement podcast)
Rask Resources
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
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Why global REITs may be the most overlooked opportunity with Chris Bedingfield
In this Australian Investors Podcast episode, your host Owen Rask speaks with Chris Bedingfield of Quay Global Investors about:– Why real estate is an inefficient market– How replacement cost drives long-term property value– Why global REITs offer diversification Australian REITs can’t– Where today’s best opportunities lie across global property sectorsIf you love learning about property, REITs, global markets and income investing, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube!Follow us on Instagram and TikTok for more investing insights.Topics Covered– Why most investors use the wrong metrics to value real estate– Global vs Australian REITs — major structural differences– How Quay identifies companies trading below replacement cost– Today’s biggest opportunities across housing, storage, senior living and more– Final thoughts on cycles, risk, leverage and staying patientResources for this episodeAsk a question (select the Investors podcast)Visit TermPlus to learn more
Website
Youtube Event
Community Event Link
Rask Resources
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
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Breaking down the Division 296 super tax changes
In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth discuss the significant changes to Australia's proposed Division 296 superannuation tax legislation.
The government has made substantial amendments to the controversial super tax policy, addressing many of the concerns raised by financial advisers, industry groups, and retirees. The most significant change? The removal of tax on unrealised capital gains - a world-first proposal that would have set a dangerous precedent.
Drew and James explain what the original proposal entailed, why it was problematic, and what the new changes mean for Australians with substantial superannuation balances. They also discuss the introduction of a new $10 million threshold, indexation of caps, and the delayed implementation timeline.
Whether you're approaching retirement with a growing super balance or already retired and managing your wealth, this episode provides crucial insights into how these tax changes might affect your retirement planning strategy.
If you like this Australian Retirement Podcast episode on the Division 296 changes, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.
Topics Covered Today
- What's happening with gold prices and should you be buying gold NOW
- Division 296 Tax Explained: The original proposal and its problems
- Breaking Changes: Removal of unrealised capital gains tax
- Introduction of the $10 million threshold with 40% tax rate
- Who will be affected: 90,000 at the $3m threshold, 8,000 at $10m
- Outstanding issues with defined benefit pensions
Resources for this episode
- Ask a question (select the Retirement podcast)
- Visit TermPlus to learn more
Rask Resources
- All services
- Financial Planning
- Invest with us
- Access Show Notes
- Ask a question
- We love feedback!
Follow us on social media
Instagram: @rask.invest
TikTok: @rask.invest
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices
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David Gardner, 6 traits to beat the market, rule breakers & legacy
In this Australian Retirement Podcast episode, your host Owen Rask sits down with David Gardner (co-founder of The Motley Fool and author of Rule Breaker Investing) to discuss:
– Beating the market vs indexing
– The “lose to win” philosophy and position sizing
– The six traits of rule-breaker companies
– Conscious capitalism, purpose and culture
If you love learning about growth investing and finding outliers, subscribe to the Australian Retirement Podcast on Apple, Spotify, or YouTube!
Follow us on Instagram and TikTok for more investing insights.
Topics Covered
– Beating the market: why David still believes individuals can outperform and why most don’t try
– Lose to win: accepting frequent small losses to capture rare, massive winners (Babe Ruth analogy)
– Six rule-breaker traits: top dog & first mover, sustainable edge, strong price action, leadership/backers, brand love, and “overvalued” narratives
– Final thoughts & how to learn more: AI’s role in research (not a reason to quit stock picking) and making portfolios reflect our best vision for our future
Resources for this episode
Ask a question (select the Retirement podcast)
Visit TermPlus to learn more
Rask Resources
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Australian Retirement Podcast by Rask is your field guide to retirement, hosted by financial advisers Drew Meredith and James O'Reilly. If you're 45 and up, planning for retirement, transitioning now, or already there, we cover all of the topics you want and need to know: Super, tax, investments, legacy, work, behavioural psychology and maybe even a few travel tips.
Get retirement advice: https://bit.ly/R-plan
Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00
In every episode of the podcast, in the description provided, you will find our key resources, including:
A link to work with us and our expert teams
A link to the free Rask community - join the conversation, it's free.
A link to ask us questions for the podcast - it's a free service we offer to educate thousands of Australians, and
Extra resources for each episode
Don't forget, this Rask podcast contains general financial information only, issued by The Rask Group Pty Ltd. The information does not take into account your financial needs, goals or objectives, so be sure to speak to a licensed and trusted financial planner before acting on the information. You can find more information about Rask podcasts and services provided at www.rask.com.au/FSG
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