Advertise on podcast: The Wealthlab Podcast (Aust)

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=socialWant to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Gold and silver prices have seen some dramatic moves, but what happens when investors rush in just as the market is reaching its peak? From precious metals and cryptocurrency to AI stocks, investment bubbles can be difficult to recognise until the damage is already doneIn this episode, Scott and Dan revisit their earlier discussion on gold and silver, looking at what happened when prices surged and investor enthusiasm followed. They explore the five stages of an investment bubble, why fear of missing out can lead to poor decisions, and what these market cycles mean for Australians managing their super and retirement savings.You’ll learn: - The five stages of an investment bubble, from displacement and boom to euphoria, profit-taking and panic - What the recent movements in gold and silver prices reveal about investor behaviour and market timing - Why cryptocurrency, AI stocks and other popular investments can attract speculative buying - How diversification and understanding your super fund's underlying investments can help manage concentration risk- Why having an investment plan before a market crash can help reduce emotional decisions and protect your long-term retirement strategyThis episode is for Australians who want to understand market bubbles and avoid getting caught up in investment hype. Whether you're approaching retirement, already drawing an income from super or simply building long-term wealth, Scott and Dan explain why understanding risk, staying diversified and making decisions based on a financial plan can be more useful than trying to predict the next market boom or crash. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAUDisclaimer:General advice only. This content does not consider your objectives, financial situation or needs. Consider whether the information is appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future performance.Wealthlabplus Pty Ltd (ABN 29 678 976 424) is a Corporate Authorised Representative (No. 001311287) of MiPlan Advisory Pty Ltd (ABN 70 600 370 438), Australian Financial Services Licence No. 485478.Read our Privacy Policy, fees and AFSL information here: https://wealthlab.com.au/compliance-policies/

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Bonds are often described as the “defensive” part of an investment portfolio, but that doesn't mean they can't lose value. With bond yields and interest rates getting plenty of attention, understanding what you actually own inside your super can help make sense of why even defensive investments sometimes go backwards. In this episode, Scott and Phil go back to basics on bonds. They explain how governments and companies use bonds to borrow money, why different bonds pay different rates of interest, and the role fixed income can play inside superannuation and retirement portfolios. You’ll learn: - What a bond actually is and why governments and companies issue them - Why higher-risk borrowers generally need to offer higher interest rates - Why bond prices can fall when interest rates rise - How the length of a bond can affect its sensitivity to changing interest rates - Why bonds can still play a defensive and income-producing role within a diversified portfolio, even when their value temporarily falls This episode is for Australians who want to better understand the defensive side of their super or investment portfolio. Bonds aren't risk free, but understanding how interest rates, credit risk, income and diversification interact can help explain why they're commonly used alongside growth assets in a broader portfolio About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content does not consider your objectives, financial situation or needs. Consider whether the information is appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future performance.Wealthlabplus Pty Ltd (ABN 29 678 976 424) is a Corporate Authorised Representative (No. 001311287) of MiPlan Advisory Pty Ltd (ABN 70 600 370 438), Australian Financial Services Licence No. 485478.Read our Privacy Policy, fees and AFSL information here: https://wealthlab.com.au/compliance-policies/

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social If you die tomorrow, who actually gets your super? Many Australians assume their Will decides, but superannuation generally sits outside your estate unless you've specifically structured it to flow there. Getting your beneficiary nominations wrong can mean delays, unexpected outcomes and potentially a significant tax bill. In this episode, Scott and Phil unpack what happens to your super when you pass away and why beneficiary nominations matter. They cover binding and non-binding nominations, reversionary beneficiaries, common paperwork mistakes, blended families and the tax consequences that can arise when super is inherited by adult children. You’ll learn: - Why your Will doesn't automatically determine who receives your super - The difference between binding, non-binding and reversionary beneficiary nominations - Why some binding nominations lapse and the paperwork mistakes that can cause nominations to be rejected - How beneficiary nominations can help with estate planning, particularly for blended families - Why adult children may face tax when inheriting the taxable component of a parent's super This episode is for Australians who want greater certainty about what happens to their super after they die. Whether you're approaching retirement, have adult children or are part of a blended family, reviewing your beneficiary nominations alongside your broader estate plan can help ensure your wishes are properly documented and reduce unnecessary complications for the people you leave behind. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn't consider your objectives, financial situation or needs. Consider whether it's appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424) is a Corporate Authorised Representative (No. 001311287) of Index Tracking Financial Advice Pty Limited (ABN 47 646 019 543), Australian Financial Services Licence No. 566193. Read our Privacy Policy, fees and AFSL accreditations here: https://wealthlab.com.au/compliance-policies/

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=socialWant to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Can you keep working after you qualify for the Age Pension without losing your payments? For many Australians, the answer is yes. The Work Bonus is designed to let eligible pensioners earn employment income while reducing how much of that income counts under the Age Pension income test. In this episode, Scott and Phil break down how the Age Pension Work Bonus works and why part-time or occasional work in retirement may be more worthwhile than many retirees realise. They walk through practical examples showing how the Work Bonus can reduce assessable employment income and how unused amounts can build up for later. You’ll learn: - How the Work Bonus interacts with the Age Pension income test - How the $300 fortnightly Work Bonus works for eligible employment income - How unused Work Bonus amounts can accumulate in your Work Bonus balance - Why occasional or seasonal work can potentially provide extra income without immediately reducing your Age Pension - Why the Work Bonus applies to eligible work income, not passive income such as rent or investment income This episode is for Australians receiving or approaching the Age Pension who are considering part-time, casual or occasional work in retirement. Understanding the Work Bonus could help you earn additional income, rely less heavily on your super and make informed decisions about whether continuing some work in retirement makes sense for you. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn't consider your objectives, financial situation or needs. Consider whether it's appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424) is a Corporate Authorised Representative (No. 001311287) of Index Tracking Financial Advice Pty Limited (ABN 47 646 019 543), Australian Financial Services Licence No. 566193. Read our Privacy Policy, fees and AFSL accreditations here: https://wealthlab.com.au/compliance-policies/

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Can you retire at 60 with $500,000 in super? It’s a question many Australians ask, but the answer depends less on hitting a magic number and more on how much you want to spend, when you retire, and how long your savings need to last.In this episode, Phil and Dan put the $500,000 retirement question to the test using a realistic couple’s scenario. They model different retirement ages and spending levels to show how decisions around work, lifestyle, inflation and the Age Pension can dramatically change the outcome.You’ll learn: - Whether $500,000 in super could realistically support retirement from age 60 - Why the seven-year gap between age 60 and Age Pension age can put additional pressure on your super - How retiring at 60 versus working a few extra years can dramatically change how long your savings last - Why retirement spending often changes over time and how inflation affects your future income needs - The trade-off between retiring earlier, spending less and working longer to fund the lifestyle you want This episode is for Australians aged 55+ wondering whether they have enough super to retire and what their retirement lifestyle could realistically look like. Rather than relying on a single retirement number, it shows why testing different scenarios and planning ahead can help you make more informed decisions about when to stop working and how much you can afford to spend.About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAUDisclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → https://wealthlab.com.au/retirement-quiz/?utm_source=youtube&utm_medium=socialWant to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Investment bonds are often promoted as a tax-effective alternative when you've already made the most of super, but are they really as attractive as they sound? With changes affecting family trusts and tax planning, it's worth understanding where investment bonds can genuinely fit and where the benefits may be overstated. In this episode, Phil and Dan break down investment bonds in plain English, including how they're taxed, the 10-year rule, and how they compare with investing personally, through super or other structures. They also explore situations where investment bonds may have a genuine role in tax and estate planning.You’ll learn: - What an investment bond is and how the tax structure works - Why “tax paid” doesn't mean “tax free” and what happens inside the bond - How the 10-year rule works and why accessing your investment earlier can have tax consequences - When investment bonds may be worth considering after you've made the most of super - How investment bonds can be used for estate planning and potentially passing wealth directly to beneficiaries This episode is for Australians approaching retirement who have investments outside super or are looking for tax-effective ways to structure long-term wealth. If you're considering investment bonds, family trusts or other investment structures, this conversation will help you understand the trade-offs before making a decision.About Wealthlab: Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Do you really have to work until 67 before you can retire? It's one of the biggest myths in Australia. For many people, retirement can happen years earlier, if you understand how to bridge the gap before the Age Pension starts. In this episode, Phil and Dan explore practical strategies that can help Australians retire before Age Pension age. From accessing super at 60 to lesser-known Centrelink opportunities and smart super structuring, they explain how thoughtful planning can create more flexibility and potentially bring retirement forward. You’ll learn: - Why turning 67 isn't the same as your retirement age, and when you can actually retire - How to use your super from age 60 to generate retirement income - before the Age Pension begins - Why JobSeeker may be an option for some pre-retirees, particularly those doing volunteer work or reducing work hours - How couples with an age gap can structure super to potentially improve Centrelink outcomes - How strategies like super splitting can help maximise retirement income and Age Pension eligibility over time This episode is for Australians aged 55+ who want to retire before 67 or are wondering if it's financially possible. If you're looking to maximise your retirement income, make the most of your super, and understand the strategies available before the Age Pension kicks in, this conversation will help you plan with greater confidence. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Using your super to pay for dental work or medical treatment might seem like an easy solution today, but it could cost you hundreds of thousands of dollars in retirement. Before accessing your super early, it's important to understand the long-term financial consequences and whether there are better alternatives. In this episode, Scott and Phil unpack the growing trend of businesses promoting early access to super for medical procedures under compassionate release provisions. They explain how the rules work, who they're intended for, and why withdrawing from super should only be considered after exploring every other option. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Scammers are getting smarter, and AI is making it harder than ever to tell what's real. From deepfake videos and cloned voices to fake investment platforms and employment scams, today's fraudsters are using sophisticated technology to target Australians and steal their money. In this episode, Scott and Phil explore the latest scams affecting Australians and explain how artificial intelligence is changing the fraud landscape. Drawing on real client experiences and recent scam trends, they share practical advice to help you recognise warning signs and protect yourself and your family About Wealthlab: Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social Everyone has heard that compounding is powerful, but very few people truly understand how it works. The biggest gains often happen later in life, which is why starting early and staying invested can make such a dramatic difference to your retirement outcome. In this episode, Scott and Phil explain the power of compounding in simple terms and why it's one of the most important concepts in long-term investing. They use real-world examples, historical case studies, and retirement planning scenarios to show how time, investment returns, and inflation can either work for you or against you. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer:General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/utm_source=youtube&utm_medium=social Want to chat? Book a free intro call → https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social The government has announced it will ban new borrowing through Self-Managed Super Funds (SMSFs) for residential property. But will this actually make housing more affordable or simply remove another wealth-building strategy without addressing the real issues in the property market? In this episode, Scott and Phil unpack the proposed changes to SMSF borrowing rules, explain how Limited Recourse Borrowing Arrangements (LRBAs) actually work, and examine whether the data supports the government's rationale. They also discuss what these changes could mean for retirement planning and property investors moving forward. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to chat? Book a free intro call → →https://wealthlab.com.au/strategy-review/?utm_source=youtube&utm_medium=social What happens when gambling is dressed up to look like investing? From CFD trading platforms to forex apps and “financial freedom” seminars, millions of Australians are being targeted with products that promise wealth but often leave people worse off. In this episode, Scott and Phil unpack a recent ASIC case that resulted in a $300 million penalty against a CFD provider. They explain how these products work, why so many people lose money, and the emotional and financial damage they’ve seen firsthand from Australians who thought they were investing when they were really speculating. You’ll learn: - What CFDs (Contracts for Difference) are and why they’re fundamentally different from investing - How leverage magnifies gains but can wipe out your money just as quickly - Why ASIC found serious misconduct in the way some CFD products were marketed - The warning signs to watch for in trading platforms, seminars, and “financial freedom” programs - What long-term investing looks like compared to short-term trading and speculation This episode is for Australians who want to build wealth without falling into common investing traps. If you’ve ever been tempted by trading apps, leveraged products, or promises of quick profits, this conversation will help you separate genuine investing from speculation and make more informed financial decisions. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Every time the property market slows down, the headlines start screaming the same thing: house prices are crashing, rents are exploding, and the sky is falling. But when you look beyond the media noise, the reality is far more nuanced and far more useful for investors and homeowners. In this episode, Scott and Phil unpack what’s really happening in the Australian property market. They explore the impact of higher interest rates, housing supply shortages, proposed tax changes, and why many of the headlines driving fear aren’t telling the full story. You’ll learn: - Why higher interest rates are having a bigger impact on property prices than recent budget proposals - How borrowing capacity changes can affect what buyers are able to pay for property - Why Australia’s ongoing housing shortage continues to support long-term property demand - The risks of buying in large new housing developments where future supply may limit growth - Why investment decisions should be based on fundamentals, not media headlines or tax incentives alone This episode is for Australians aged 55+ who own property, are considering investing, or want to understand how current market conditions may affect their retirement plans. If you’re looking for a balanced perspective and practical insights instead of sensational headlines, this conversation will help you make more informed decisions. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us: Instagram: https://www.instagram.com/wealthlabau/ Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ A lot of the superannuation videos online leave people more confused than when they started. So in this episode, Scott and Phil cut through the noise and focus on the super changes that actually matter for Australians over 50 before 30 June. With contribution caps increasing, payday super changes arriving, and several important rules resetting from 1 July, this episode explains the practical actions Australians should be considering right now. The focus is on avoiding mistakes, maximising tax efficiency, and making sure opportunities inside super aren’t missed. You’ll learn: - How the concessional contribution cap is increasing from $30,000 to $32,500 - What carry-forward contributions are and why some unused cap space may expire soon - How payday super changes could accidentally push some people over contribution limits - Why non-concessional contribution limits are increasing to $130,000 per year - The importance of contribution timing, processing cut-offs, and avoiding last-minute mistakes before 30 June This episode is for Australians aged 55+ who are actively contributing to super, preparing for retirement, or reviewing tax strategies before the end of financial year. If you want to avoid costly errors and make smarter super decisions while the rules continue to change, this conversation will help you stay ahead of it. About Wealthlab Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Take the free retirement quiz → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/retirement-quiz/Want to chat? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Book a free intro call →⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://wealthlab.com.au/strategy-review/⁠⁠ Is investment property dead or are Australians just reacting emotionally to proposed tax changes? With negative gearing and capital gains tax reforms dominating headlines, many investors are struggling to work out whether property still makes sense as a long-term strategy. In this episode, Scott and Phil break down the proposed changes to negative gearing and capital gains tax, explain what the legislation is actually targeting, and compare property investing against alternative strategies like ETFs and managed funds. They also unpack the misinformation spreading online and why investment decisions should never be driven by panic alone. You’ll learn:- How the proposed negative gearing changes could impact investment property cash flow- Why capital gains tax changes may not affect investors the way social media claims- How property compares to ETFs and managed funds from a tax and income perspective- Why leverage (borrowing power) has historically made property so attractive in Australia- The importance of focusing on long-term wealth planning instead of reacting to headlines This episode is for Australians aged 55+ who own investment property, are considering downsizing or restructuring assets, or want to understand how proposed tax changes may affect retirement planning. If you’re trying to make calm, informed decisions during a changing market environment, this conversation will help you cut through the noise. About WealthlabWealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education. 📲 Follow Us:Instagram: https://www.instagram.com/wealthlabau/Facebook: https://www.facebook.com/wealthlabAU Disclaimer: General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478). General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide