Friends With Money

• Super changes and you

  A new wave of superannuation changes is on the horizon, so what could they mean for your retirement?This week on the Friends With Money podcast, Money's Tom Watson is joined by Shane Hancock, general manager of retirement at AustralianSuper, to unpack proposed changes to higher super balances and the low income super tax offset (LISTO) and provide an update on payday super.00:00 Introduction01:28 Tax changes on higher super balances05:31 Low Income Superannuation Tax Offset (LISTO) explained10:44 Payday super update13:40 The importance of staying informed about super16:40 Conclusion#friendswithmoney #tomwatson #shanehancock #superannuationPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: [email protected] stories like this in our newsletter: bit.ly/3GDirbR

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• What are franking credits?

  In this episode of the Friends With Money podcast, Vanessa Walker, managing editor of Money Magazine, delves into the topic of franking credits with Matthew Gibbs, the author of 'Frankly Speaking' in Money Magazine's October issue. Matthew explains the concept of franking credits, how they work, and their implications for shareholders in Australia. He discusses the benefits and potential downsides, highlighting the impact of corporate tax rates and providing examples to illustrate these points. #friendswithmoney #vanessawalker #matthewgibbs #frankingcredits00:20 Understanding Franking Credits00:54 Detailed Explanation of Franking Credits03:56 Tax Implications for Shareholders07:37 Examples and Calculations11:52 Potential Changes in Corporate Tax RatesPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: [email protected] stories like this in our newsletter: bit.ly/3GDirbR

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• What is an Annuity?

  One of the great uncertainties in retirement is how long your savings will need to last. So, could annuities provide an answer? On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Aaron Minney, head of retirement income research at Challenger, to unpack everything annuities.00:00 Introduction00:50 What are annuities?01:33 Understanding how annuities work04:40 Annuities vs account-based pensions06:32 Pros and cons of annuities09:02 Which retirees could annuities suit?13:23 Sequencing risk and annuities16:42 Perceptions and awareness20:20 Conclusion#friendswithmoney #tomwatson #aaronminney #annuitiesPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: [email protected] stories like this in our newsletter: bit.ly/3GDirbR

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• Estate Planning Essentials

  From superannuation to digital assets, there’s much more to think about with estate planning than just creating a will.On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by William Moore, partner and head of private client advisory at Hall & Wilcox, to run through some of the essential components of estate planning.00:00 Introduction01:45 Why you need a will and when to update it04:51 Power of attorney08:05 Superannuation and naming beneficiaries12:17 Digital assets in estate planning15:04 Tax implications for beneficiaries18:43 Final Thoughts and Advice20:28 Conclusion#friendswithmoney #tomwatson #williammoore #estateplanningPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: [email protected] stories like this in our newsletter: bit.ly/3GDirbR

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• The cost of financial procrastination

  Procrastination is a bad habit at the best of times, but when it comes to our finances, failing to act can have serious consequences.On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Shayne Sommer, a private wealth adviser at Shadforth Financial Group, to discuss the topic of financial procrastination and the ways in which it can be tackled.00:00 Introduction01:37 Common examples of financial procrastination04:03 Psychological factors behind it06:10 The consequences of financial procrastination09:50 Strategies to combat procrastination11:51 Imbedding good habits12:45 Conclusion#friendswithmoney #tomwatson #shaynesommer #financialprocrastinationListen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: [email protected] stories like this in our newsletter: bit.ly/3GDirbR

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