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Margin Lending

360 Money Matters

Release Date: 03/22/2022

137. Changes to superannuation limits on 1 July 2024 show art 137. Changes to superannuation limits on 1 July 2024

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we explore deeper into the intricacies of year-end tax planning and the impending modifications in superannuation. We broke down significant adjustments like the transfer balance cap set at $1.9 million and the forthcoming increase in concessional contributions to $30,000 annually.  Additionally, we explored the bump in after-tax contributions to $120,000, accompanied by a three-year bring-forward option. We also examined the uptick in super guarantee contributions from 11% to 11.5% and the...

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136. Property Guest (Marcel) show art 136. Property Guest (Marcel)

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, Marcel Dybner, a Partner at Besser+Co Estate Agents in Melbourne, recounts his journey starting from a challenging rental experience that steered him towards making a positive impact. Initially focusing on sales, he entered property management before joining Dion at Besser & Co. He addresses the current property market dynamics, where increased interest rates and landlord pressures are prompting property sales. Furthermore, the strategies for selecting attractive properties are emphasized, highlighting...

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135. Protecting Your Assets  show art 135. Protecting Your Assets

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Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss asset protection strategies concerning personal and business finances. We stress the importance of segregating personal and business assets to shield against risks like creditors or business failures. Utilizing trusts, companies, superannuation for asset protection, and advising seeking professional guidance from financial advisors, lawyers, and accountants for legal compliance and tax planning. Lastly, we emphasize early planning and professional advice, noting the need for a comprehensive...

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134. Rentvesting show art 134. Rentvesting

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss rentvesting, a strategy where you rent your home while investing in other properties for income. This approach provides flexibility in your living situation while potentially generating returns from your investments. We discuss the tax advantages, such as mortgage interest deductions, and potential drawbacks like less security in your living situation and loss of first-time homebuyer benefits. We also touch on the need for careful cash flow management and alternatives like "own vesting." ...

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133. Market Wrap show art 133. Market Wrap

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we discuss the latest trends in global investment markets. We examine the S&P 500's decline of 2.47% and its connection to inflation, which came in at 0.4%, while addressing the shifts in interest rate expectations and potential recession signals such as the Mel and SAHM rules.  In Australia, the ASX 200 saw a minor decline of 0.79%, mirroring the US market, while rising inflation is outpacing income growth. There is also an increase in...

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132. Asset Rich & Cashflow Poor show art 132. Asset Rich & Cashflow Poor

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discussed the concept of being asset-rich but cash flow-poor in the context of retirement. The accumulation of assets without sufficient income, due to tax considerations, can lead to challenges during retirement. The options presented included liquidating assets for income-producing alternatives, downsizing the family home, considering reverse mortgages, or purchasing a downsized home early. Proactive financial planning, with advice tailored to individual circumstances, is crucial. It is essential to...

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131. Maximising Age Pension show art 131. Maximising Age Pension

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discussed getting the most out of age pension. We talk about who can get it, how it's been changing, and how the government decides who gets it based on what you own and earn. We also share tips on how to maximise the age pension also! Furthermore, we explain that there are limits to gifting money while still qualifying for age pension. That’s why it is important to plan early and get advice because living costs can be tough on just the pension. So, think carefully about your money to make sure you're...

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130. Equity to Invest show art 130. Equity to Invest

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discussed equity in property, focusing on its calculation, utilization, and implications. We explained equity as the difference between the property value and the debt owed, influencing the loan-to-value ratio (LVR). An LVR above 80% may incur mortgage insurance costs due to increased risk for banks. Utilizing equity can enable diversification into other assets or properties to further expand your wealth creation.  Another key point highlighted was structuring loans to ensure tax deductibility...

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129. Bought a Property, What is Next? show art 129. Bought a Property, What is Next?

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we advise listeners like Danielle, who has settled on a property and mortgage and wants to know what some of the things are that she should be considering next. We stress the need for a cash flow management strategy to ensure affordable mortgage payments and achieve savings goals. Insurance coverage is essential, including life insurance, permanent disability cover, income protection, and building/contents insurance. Building an emergency fund is crucial for handling unexpected costs. Also, seeking...

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128. F.I.R.E Movement show art 128. F.I.R.E Movement

360 Money Matters

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss the F.I.R.E (Financial Independence, Retire Early) movement. We explain that this movement encourages people to retire early and achieve financial independence by saving and investing a large portion of their income. Additionally, living a frugal lifestyle and reducing expenses are key to achieving this goal. We acknowledge that the F.I.R.E movement may not be suitable for everyone, but we emphasize the importance of being intentional with spending and making conscious financial decisions. Tune...

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More Episodes

Hello and welcome back to the 360 Money Matters podcast! If you’re looking to expand and grow your wealth in a more aggressive manner, exploring the concept of a Margin Loan can be a potential solution for this.

 

We’ve spoken before about how you can use debt to invest. In this episode, we’re going to delve deeper into margin loans and how it can be used to magnify your gains. In addition, with margin loans being considered as a high-risk investment, we will also share strategies to mitigate that risk, alongside other important factors you should consider before applying for one.

 

When executed right, margin loans can serve to be an advantageous tool for your investments. But with potential reward comes additional risks, so make sure to tune into this episode so you can make the best-informed decisions for your investment plans.

 

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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis and Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorised representatives and credit representatives of AMP Financial Planning – AFSL 232706

 

Episode Highlights: 

• What a margin loan is.

• What are margin calls?

• Different features of margin loans.

• Benefits of margin lending.

• Potential risks of margin loans.

• Risk mitigation strategies for margin loans.

 

Connect with Billy and Andrew!

360 Financial Strategists

 

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