Masters Of Finance's Podcast - With Chris And Alex

What's with all the negativity? Interest rates or bond yields have gone negative. Oil prices have gone negative. Where are the optimists among us?  In this episode we have a look at how bond yields can go negative and what the implications these anomalies have on some specific sectors and the overall economy. There is even a mention of a mortgage with a negative interest rate! We also dive into the recent negative spike in Oil prices and wonder at how can the price of something that you buy to consume turn negative? More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also r

With the arrival of COVID-19 to disrupt our economy and way of life, the Australian government have announced that people who have lost their job or seen a reduction in their income or hours worked, can apply to access up to $20,000 of their superannuation savings.  But is this actually a good idea? In this episode of the #mastersoffinancepodcast we explore some of the consequences of accessing your super early and attempt to quantify what this could mean for your balance over time. #havealisten

We follow the last episode of the #mastersoffinancepodcast with one aimed at going through the support measures available for individuals who need assistance amidst the COVID-19 pandemic and effective shutdown. Have a listen to see if you might qualify for any of the initiatives on offer. More info on the hosts   www.mastersoffinance.com.au To email us directly         masters@mastersoffinance.com.au Follow us on Facebook   https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions

In this episode of the #mastersoffinancepodcast we look at some of the government assistance measures available amidst the COVID-19 pandemic and effective shutdown. If you are an employer or a Sole trader then this one is for you. More info on the hosts    www.mastersoffinance.com.au To email us directly          masters@mastersoffinance.com.au Follow us on Facebook    https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration pur

The Coronavirus or COVID-19 has caused chaos and fear around the world and the sharemarkets have certainly not escaped the shocks. Social distancing is becoming a term we are all familiar with and Chris and Alex recorded this episode from separate locations for the first time ever.  If you are wondering how the virus is impacting the economy and investment markets then #havealisten to this episode of the #mastersoffinancepodcast to find out whether we think it is an over reaction, where interest rates might be in several years time as a result of the current conditions and some suggestions on how to think about investments and portfolios from this point forward.   More info on the hosts  www.mastersoffinance.com.au To email us directly  masters@mastersoffinance.com.au Follow us on Facebook  https://www.facebook.com/moranfp/   Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial produ

There is change in the winds and it is rolling in like a storm set to hit at the end of March 2020 and will be brutal for self-employed people. The Australian Prudential Regulation Authority has scolded the naughty insurance companies for making big losses on their income protection insurance policies and has changed the rules around what type of income protection insurance contracts they can offer. Have a listen to this episode of the #mastersoffinancepodcast to find out what the changes are that are coming. More info on the hosts   Ü www.mastersoffinance.com.au To email us directly         Ü masters@mastersoffinance.com.au Follow us on Facebook   Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also

Want to get into the property market but can’t afford to buy where you want to live? Rentvesting might be your ticket to having it all. On this episode of the #mastersoffinance podcast we talk about how a rentvesting strategy works and how you can benefit from it. Stay tuned to the end for our masterful tips on what we have learned from personal and professional experience. Have a listen! More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering to ensure the product/s is suited to your needs before acting. We may discuss products, service

Climate change is very much front of mind at the moment after the horrendous bushfire season we are in the middle of here in Australia. It is starting to make its way into the decision-making process of investment firms and fund managers as key drivers of long-term profitability. On this episode of the #mastersoffiancepodcast we take an in depth look at the current investment landscape, dissect another 3-letter acronym in ESG factors (Environmental, Social & Governance) and look at how you can incorporate some principles of responsible investment into your portfolio. Have a listen!     More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Check out these websites mentioned in the episode Ü https://www.unpri.org/   http://www.climateaction100.org/   https://responsibleinvestment.org/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financi

Welcome to our summer miniseries called #moneyforjam on the #mastersoffinancepodcast.   Part 3 of our miniseries has a look at the economic benefits of solar PV systems for retirees and how hugely beneficial they can be for people on a part Age Pension Have a listen!   More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering, to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustration purposes only. We may change the nam

Welcome to our summer miniseries called #moneyforjam on the #mastersoffinancepodcast. Part 2 of our miniseries goes back to look at how you can get free money from the government by way of the co-contribution. There aren’t many of these opportunities around so make the most of while you can! Have a listen!   More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering, to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment & illustrati

Welcome to our summer miniseries called #moneyforjam on the #mastersoffinancepodcast. In this first part we are looking at how you can look like the caring partner and boost up your spouse’s super balance by making a spouse contribution (while secretly doing if for your own benefit by way of a tax offset).Have a listen! More info on the hosts Ü www.moranfp.com.au Follow us on Facebook Ü https://www.facebook.com/moranfp/ Please read and acknowledge the following before listening to this episode. This podcast is for entertainment purposes only and does not constitute financial advice or financial product advice. To receive personal financial advice or financial product advice you must first receive a Statement of Advice (SoA). You must also receive, read and understand the Product Disclosure Statement/s (PDS) of any products you are considering, to ensure the product/s is suited to your needs before acting. We may discuss products, services and answer listener questions on this podcast for entertainment &am

Are you worried that you will run out of money when you stop work? In this episode of the #mastersoffinancepodcast we delve into how to make your portfolio last longer and ride out any periods of negative returns. We explore the idea that the sequence of the returns experienced by your portfolio has a huge impact on how long your money will last and what has been considered as the safe amount you can withdraw to try and avoid running out of money. We have also spent many years researching and creating a strategy to limit the impacts of the risks with negative returns in the early years of retirement which we discuss along with a real world example of how this worked through the Global Financial Crisis of 2007-2009. Have a listen. To look at the example data we used for our comparison of portfolio A & B when comparing the impacts of sequence of returns, head over to https://creativeplanning.com/blog/never-enough/ where Ryan Swarts of Creative Planning has a great blog post on the subject along with the exa

When is the right time to retire? Plenty of people will say 'As soon as possible' but is that always the right time? In this episode we look at some of the issues of when let your job define you and what happens when you no longer have the job. We discuss some pitfalls of retiring too early as well as leaving it too long and finish with some tips to make the transition easier. Have a listen. www.moranfp.com.au

In this episode of the #mastersoffinancepodcast we delve into some of the biggest mistakes we see people making with their money management and also talk about some of the strategies you might use to avoid them or fix them. Do you: overspend? Hate paying your insurance? don’t know where your super is? or only make minimum mortgage repayments? Then this is podcast is for you!   www.moranfp.com.au

Part 3 of our Estate planning special coming at ya! Have a listen to the final episode with Lav Chhabra of Perpetuity Legal where we look at some case studies of when a simple will did not provide the right outcomes for people as well as some of the issues to consider when planning the transfer of assets of a Self-Managed Super Fund.   Have you nominated someone to hold your Power of Attorney? Find out why it could be important and also some of the limitations that a Power of Attorney is constrained by.   If you would like to get in contact with Lav please visit www.perpetuitylegal.com.au where you can find more information about him and the firm along with all his contact details.   For more information on anything you have heard in this podcast or any previous episodes, please head on over to www.moranfp.com.au to get in touch with Alex or Chris.   The material and information discussed in this podcast are for general information purposes only. You should not rely upon the material or information in this po

We are back with Lav Chhabra of Perpetuity Legal for part 2 of our estate planning special on the #mastersoffinace podcast. The first time around we covered some of the really important points and roles of a will but in this episode we have a look at some of the more complex situations.   Are you part of a blended family? Have you made adequate provision for everyone in your will? What eve is ‘adequate provision’? If these are questions you can’t answer then have a listen for some hot tips to solving these problems along with how we can get the most out of a testamentary trust for your estate and beneficiaries.   If you would like to get in contact with Lav please visit www.perpetuitylegal.com.au where you can find more information about him and the firm along with all his contact details.   For more information on anything you have heard in this podcast or any previous episodes, please head on over to www.moranfp.com.au to get in touch with Alex or Chris.   The material and information discussed in this podc

Some new legislation that has recently come into effect allows people some extra flexibility to convert one of their most valuable assets, their home, into additional capital for tax free retirement income. In this episode we go through the new Downsizing rules and talk about how this can help you improve your quality of life in retirement. If you are an empty nester and no longer need the big family home, this one is for you. www.moranfp.com.au

In this episode Chris and Alex are lucky enough to be joined by Lav Chhabra, owner and founder of Perpetuity Legal, who is a highly qualified estate planning expert.  In part 1 of this mini series within the podcast, we look at some of the reasons you might need a will or whether you need one at all and what are the most important things you need to think about when creating a Will. If you have ever thought about getting a Will or know that you need one but haven't gotten around to sorting out, then have a listen or follow the links below to get in contact with Lav. www.perpetuitylegal.com.au/   www.moranfp.com.au/

Have you ever heard of the Bucket company strategy? In this episode of the Masters of Finance podcast we delve into how to setup a bucket company strategy to help you reduce the amount of tax you might pay and even go into how you can use it to get some of that tax back!    Find out more at www.moranfp.com.au

What do you do when you have built a mini property empire and reach the time when you stop working? In this episode you can find out how to capitalise on your property investment success and turn that into the retirement lifestyle you want! Have a listen.   Find out more at www.moranfp.com.au