Retirement needs growth: Small caps & smarter investing
Does growth still matter in retirement? In this episode of the Australian Retirement Podcast, Drew Meredith and Luke Laretive (Seneca Financial Solutions) explore why retirees can’t ignore growth assets, the role of small-cap stocks, and how to balance risk and income as you age. We cover inflation, the pitfalls of term deposits, and why small companies might just be your retirement secret weapon.
If you like this Australian Retirement Podcast episode on investing for growth in retirement, 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:
– Why growth is often overlooked in retirement — and why that’s a mistake
– The risk of sticking too conservatively with term deposits and cash
– How to balance growth and income effectively as retirees age
– The risks and rewards of investing in smaller companies
– Real-world lessons: success stories and cautionary tales
Resources for this episode
– More information on the Seneca Small Companies Fund
– Follow Luke on LinkedIn
– Sign up for Luke’s free newsletter
Rask Resources
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
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
#retirement #australia
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35:08
How downsizing could boost your super
Is now the right time to downsize?
In this episode, Drew Meredith and James O’Reilly explore the reality of selling the family home in retirement. They walk through what it means emotionally, how it works practically, and the financial considerations that often get missed — including stamp duty, commissions, and unexpected renovation savings.
They also explain the downsizer contribution, a powerful super strategy that allows eligible Australians over 55 to contribute up to $300,000 each from the sale of their home into super, without breaching the usual caps.
From empty nests and rising stairs to lifestyle change and income planning, this is a must-listen for any retiree or pre-retiree thinking about their next move.
Topics covered today
- How downsizing actually works — and what it could mean for your lifestyle
-Why some retirees are upsizing instead (and what that means financially)
- Emotional and social factors — are you ready to leave your community?
- Should you renovate instead? What market conditions mean for timing your sale
- The downsizer super contribution: up to $300k per person, how it works, and the eligibility rules
Resources for this episode
Ask a question (select the Retirement podcast)
Rask Resources
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
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
#retirement #australia
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36:25
Navigating the complexities of Aged Care for you or a parent
In this Australian Retirement Podcast episode, your host James O'Reilly, from Northeast Wealth speaks with fellow advisor Nathan Fradley, to discuss how you can navigate the complexities of Aged Care to keep costs to a minimum.
If you like this Australian Retirement Podcast episode on Navigating Aged Care, 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:
- An introduction to Nathan
- What services does Aged Care include (think Home Care / Respite / Residential)?
- What Government Support is available, and what do you have to pay?
- How should people create an Aged Care Plan for themselves or parents?
- What should people be doing right now to prepare?
Resources for this episode
https://myagedcare.gov.au
https://www.nathanfradley.com.au/blog
Rask Resources
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
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
#retirement #australia
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41:50
Are you ready for an inheritance shock?
Inheritances can be life-changing — or a financial disaster without the right planning. Drew Meredith and James O’Reilly unpack how inheritances work in Australia, why the fear of death taxes is rising, and the steps you can take now to protect your legacy.
If you liked this Australian Retirement Podcast episode on estate planning and protecting family wealth, subscribe for weekly episodes on Apple, Spotify, YouTube, or wherever you get your podcasts.
Topics covered today:
How inheritances actually work in Australia today
Why estate vs non-estate assets matter
The hidden taxes on inheritances (including CGT traps)
Why record-keeping is crucial to protecting family wealth
Using trusts, wills, and structures to streamline inheritances
Resources for this episode
Ask a question (select the Retirement podcast): https://bit.ly/R-quest
Rask Resources
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
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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42:15
EOFY super strategies: What’s changing and what isn’t
Welcome to a bonus episode of the Australian Retirement Podcast, hosted by Drew Meredith and James O’Reilly.
With the end of financial year fast approaching, confusion is everywhere — and not all of it is real. In this special update, we unpack the actual superannuation changes coming from 1 July 2025, and debunk a fake announcement that’s been spreading misinformation about a June 1 start date.
If you like this Australian Retirement Podcast episode on boosting your retirement, 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 actually changing from 1 July 2025
Why a fake June 1 announcement went viral
What retirees and pre-retirees need to do before 30 June
Key contribution strategies and pension reminders
The smart (and simple) moves to make this EOFY count
Resources for this episode
Ask a question (select the Retirement podcast): https://bit.ly/R-quest
Rask Resources
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
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
#retirement #australia
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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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