3 ай бұрын
4 ай бұрын
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@dogsbollox2 3 сағат бұрын
I was strongly advised not to buy crypto lucky for me I didnt listen to that advisor
@loidarevoltar3520 4 сағат бұрын
Welcome to country is so off putting, irrelevant and meaningless virtue signal.
@dogsbollox2 15 сағат бұрын
Crypto is by far the best investment, Trump has just told the world.
@georgecaplan11 15 сағат бұрын
If an ad on tv tells you it’s a good idea to move into a retirement village it’s definitely a scam.
@RobjS-y8o 2 күн бұрын
Once you started the welcome to country I turned off! We just don't need it in this situation. And anyway you both are too young to give advise to 65+ people.
@dentray 5 күн бұрын
Just draw out the whole $650,00 at 65 and spend down to your Centrelink assets limit and claim a pension, its so simple but everyone makes it really complicated! Super is for spending not reinvesting or putting into Annuities! $650,000 gives you $2000 per week tax free for 6 years, So by the time you are 67 as a couple you will get full pension and benefits after just 2 years of drawing down $2000 per week and still have $450,000 in the bank!
@geob8172 5 күн бұрын
Corruption that has the blessing of our government criminals.
@nathanwarrick 7 күн бұрын
Thankyou for continuing to acknowledge our traditional owners. Privileged white felllas like me who continue to benefit from colonisation should always remain humbly aware of the cost paid. To those complaining, maybe you should consider investing as much time in educating yourself as you spend disparaging something you don’t understand. Or just be quiet.
@RobjS-y8o 2 күн бұрын
Oh another bleeding heart!
@MargaretWest-m8u 12 күн бұрын
Retirement becomes truly rewarding when you have two key components: a solid financial foundation and a clear sense of purpose. Making wise investment decisions is crucial to achieving strong returns and enjoying a secure retirement.
@HotManP-l5g 12 күн бұрын
Rising costs have impacted my original plan to retire at 62, work part-time, and grow my savings. I can't help but wonder if those who navigated the 2008 financial crisis had an easier time compared to the challenges I’m currently facing. Market volatility, combined with a lower income, has me concerned about having enough for a comfortable retirement.
@Toni__Michelle 12 күн бұрын
You’re absolutely correct-financial advisors have access to strategies and opportunities that aren’t always available to the general public. I earned £560k in 2022 with guidance from my fiduciary advisor. Am I cashing out? Definitely not. I’m taking a step back to watch how the market evolves.
@FrankJaaay 12 күн бұрын
I’ve been considering that path myself. I have a significant stock portfolio, but some holdings are starting to decline in value. I'm unsure whether to hold onto them or sell, and I think hiring your advisor could help me effectively restructure my portfolio.
@Toni__Michelle 12 күн бұрын
How can I find a trusted financial planner like yours?
@FrankJaaay 12 күн бұрын
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
@runforrestrun1965 13 күн бұрын
Umm, unless it’s Australia you are talking about, there’s no asset or means testing in NZ so your pension at 65 years on is not affected by whatever you have saved or in your Kiwisaver.
@cvytnioy56dvfuj4g7 16 күн бұрын
Stick with financial advice, jam the welcome to country up your......
@day1678 17 күн бұрын
I am on a pension, now, were I to win lotto say, $1000.000 how much pension would I lose? Thank you.
@kayadoll 19 күн бұрын
Sorry but I just had to switch off after the initial acknowledgement to country. Sick of this and we dont need it on this platform.
@roytherhodesian4029 23 күн бұрын
Lost me at acknowledgement 😮
@AdamaKone-oo2bw 24 күн бұрын
🎉🎉🎉
@dales9396 27 күн бұрын
Turned you guys off straight away welcoming to my own country in my living room. It means nothing now anyway. Bye
@maxlatour7912 Ай бұрын
One issue that I thought needed to be touched on in this video is while you are redirecting the cash flow of the dividends into your mortgage liability, what is happening to the interest liability on the line of credit over time? Does this need to be repaid, and what impact would this have on your personal cash flow, or would the interest for the line of credit simply accumulate over time on the existing balance?..
@nickpower-fj9bu Ай бұрын
Informative. But does the model take into count the minimum percentage you have to take out of super as you age?
@markhilsen2528 Ай бұрын
"Warren Buffet is LIT'RALLY sitting on a pile of cash ..." -- Dude, you lost me right there. If you can't understand the difference between literal and figurative, how can I trust anything beyond that level of difficulty you have to say about money?
@MrHowardmz Ай бұрын
The moment I hear the words "welcome to country " it's to time switch off.
@carlocrighton Ай бұрын
Great work.
@ConsortiumPW Ай бұрын
Thanks!
@LukeStyles-u3k Ай бұрын
Excellent interview with an absolute legend! As a fellow financial planner, I've just subscribed to your podcast. Amy & Rob, keep up the great work!
@ConsortiumPW Ай бұрын
Thanks for the feedback Luke, what an amazing educator and mentor. Cheers Rob
@valveman2898 Ай бұрын
Great to see acknowledgement of country - not sure how this is ‘woke’ … great talk, thanks
@ConsortiumPW Ай бұрын
Thanks for your feedback, Rob
@ministerofemergencies1809 Ай бұрын
I say it's disgusting and disgraceful and I'll continue to say that.
@simoncotterill7274 Ай бұрын
Great video.
@ConsortiumPW Ай бұрын
Thanks! Rob
@tonylander3512 Ай бұрын
Woke introduction, good bye,
@ConsortiumPW Ай бұрын
Thanks for your feedback, Rob
@mangoman9290 Ай бұрын
One major problem with property is the lump sum capital gain and the CGT hit, whereas shares can be sold as parcels over multiple financial years to mitigate that burden. The longer the property is held the higher its value (awesome) but the higher the taxes that the lump sum CGT will incur.
@ConsortiumPW Ай бұрын
Some great points on the lumpy nature of property and tax outcomes. Thanks Rob
@barry2870 Ай бұрын
Was looking forward to see what you had to say about the topic of this video. Sorry, but had to turn it off at the 50sec mark.
@ConsortiumPW Ай бұрын
Thanks for your feedback, it was a good chat. Rob
@sbiswas5431 Ай бұрын
Liked the message
@ConsortiumPW Ай бұрын
*More Freebies you should check out* Ebooks, Online Courses, Video Blogs, Podcasts | Free resources covering a range of financial fundamentals to build your knowledge www.consortiumpw.com.au/elearning/ *Follow us on our social media* Website: www.consortiumpw.com.au/ Instagram: @consortiumprivatewealth Facebook Page: @consortiumpw To contact us directly please email [email protected] or call 03 5382 3460. We're here to help!
@davidharraway8131 Ай бұрын
Thanks for such a clear explanation of the various scenarios - you both made things make sense.
@ConsortiumPW Ай бұрын
Glad it was helpful! Rob
@KenBeecroft-g2r Ай бұрын
Another great video...like the comment below from the Melbourne person...we also live here, but have watched a number of your videos and will reach out. Thank you!
@ConsortiumPW Ай бұрын
Wow, thank you. Rob
@glenn9575 2 ай бұрын
Recognise this may not be a common or even popular topic, but would it be possible to do a segment on options available if breaching the superannuation total balance cap when in a defined benefit fund? I work with a number of long tenured public servants who, through no fault of their own, are facing potentially massive tax bills due to the way fund growth is calculated, concessional and non-concessional contributions, and the fairly recent (2017 I believe) introduction of the total balance cap. Great vids by the way. Thanks.
@ConsortiumPW Ай бұрын
Hi Glenn, thanks for the suggestion. We will have a look at this one for you. Not too many people with this problem unfortunately. Regards Rob
@richardelson2179 2 ай бұрын
Why is your respect limited to First Nation people? If we are expressing our gratitude for those important elders of the past we should also thank the hard working men and women who endured great hardship to make this country great; the young people who strive to educate themselves to help us navigate future challenges; Americans soldiers for their sacrifice to defend our freedom. It’s a great habit to offer gratitude and respect to those who deserve it, so let’s get real.
@ConsortiumPW Ай бұрын
Thanks for your feedback Richard, regards Rob
@not-woke 2 ай бұрын
😂😂😂😂 Welcome to the global boycott list. Get Woke, Go Broke.
@ConsortiumPW 2 ай бұрын
Thanks for you feedback. Have a good day Amy and Rob
@Namlange70 2 ай бұрын
Thanks guys. Should we sell our investment property before we retire?
@ConsortiumPW 2 ай бұрын
Too difficult to answer without knowing about your situation. If debt is still owing then I know what my answer would be as it impacts cashflow. Thanks Rob
@aplomb8577 2 ай бұрын
Thank you. Very insightful.
@ConsortiumPW 2 ай бұрын
Glad it was helpful! Rob
@timlucas4014 2 ай бұрын
You had me till 02:08
@ConsortiumPW 2 ай бұрын
Thanks for your feedback, Rob
@brianrose5971 2 ай бұрын
Alot of talking. I was hoping you would answer the following. 1. what are annuities. 2. how much do they cost. 3. show an example.
@TRADITIONLAMINIATURE 2 ай бұрын
Hey I’ve been watching your videos, and they’re great! But I noticed they’re not getting the views they deserve. I’m a KZbin SEO expert and would love to provide you with a free channel report to help you reach more viewers. Let me know if you’re interested!
@payroll970 2 ай бұрын
home does bring in any income but does save rent.
@michaelclark7077 2 ай бұрын
Always looking out for when Peter is a guest and his last talk is what got me onto Consortium. A great chat…I’m excited for when Peter comes over to Perth…!
@ConsortiumPW 2 ай бұрын
Thanks Michael, he has so much conviction. Rob
@phin6389 2 ай бұрын
Thank-you. Insightful seeing case studies like this.
@ConsortiumPW 2 ай бұрын
Our pleasure!
@w0mblemania 2 ай бұрын
Re funerals... a tip: you absolutely don't need to spend $15K for a funeral bond. $3-4K should be enough, per-person. Just put the money aside, write a note for the executor of your will. Save the money, do something better with it.
@ConsortiumPW 2 ай бұрын
Agreed, a funeral will not cost most people $15,000 but it will be exempt from the Centrelink Assets test and increase the age pension by $780 for every $10,000 reduced making it a good deal. What is not used for the furneral is refunded. Thanks for your comment, Rob
@mickowens9839 22 күн бұрын
You clearly have not purchased a double plot at the Grave yard, A nice looking Coffin is thousands, even my mum & dads and they were cremated
@w0mblemania 22 күн бұрын
@@mickowens9839 Why do you need a nice looking coffin? I said you don't need to spend $15K. And you don't. But if you want all the extras, well, that's a personal choice. It's not required though.
@cookingsam3203 2 ай бұрын
Can I access my full super including preserved super with terminal illness?
@ConsortiumPW 2 ай бұрын
Hello, here is the details from the ATO. You may be able to access your super if you have a terminal medical condition and all these conditions are met. All the best Rob -Two registered medical practitioners have certified, jointly or separately, that you suffer from an illness or injury that is likely to result in death within 24 months of the date of signing the certificate. -At least one of the registered medical practitioners is a specialist practising in an area related to your illness or injury. -The 24-month certification period has not ended.
@w0mblemania 2 ай бұрын
Suggestion: change title of video to "How to retire on $650,000 AND YOUR OWN HOME as a couple in Australia". It's all about owning your own home. If you don't, you are going to have a very hard time retiring on 650K. Rent is going to take out most of that nest egg. IMO, this is going to cause major problems in Australia, as many more people will never be able to buy their own home.
@ConsortiumPW 2 ай бұрын
Hmmm, like the suggestion for some other variations of the theme. I agree, home ownership should be a goal for everyone, that goal is now so difficult to achieve given the crazy house prices and debt levels needed to purchase a home. Thanks Rob
@Welltravelled-ib4um 2 ай бұрын
Switched of as soon as you started that divisive crap so sick of this shit
@ConsortiumPW 2 ай бұрын
Thanks for your feedback, Rob
@eatmeatandliftweights5754 2 ай бұрын
Trap!
@simoncotterill7274 2 ай бұрын
Great podcast. I have a son who is in the first year of uni and I resonated with the points you made!
@ConsortiumPW 2 ай бұрын
Glad it was helpful!