array(1) { [0]=> &object(stdClass)#6713 (52) { ["id"]=> string(5) "17406" ["title"]=> string(151) "What to expect as the end of lockdown looms? Will the Stage 2 tax cuts boost your tax return? Where should investors be looking as the economy reopens?" ["alias"]=> string(148) "what-to-expect-as-the-end-of-lockdown-looms-will-the-stage-2-tax-cuts-boost-your-tax-return-where-should-investors-be-looking-as-the-economy-reopens" ["introtext"]=> string(254) "

In this episode of The nestegg Podcast, guest host Fergus Halliday checks in with our three experts to talk through the biggest conversations happening around when it comes to the world of superannuation, property, investing and wealth creation.

" ["fulltext"]=> string(1195) "

Steve Waters, director of Right Property Group, talks to us about how Sydney and Melbourne’s property sectors are faring as the light at the end of the lockdown tunnel begins to come into sight.

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, guides us through how investors should approach taking advantage of the economy as reopens. How do you spot a company with strong fundamentals?

Lastly, tax and super guru Timothy Munro tells us why consumers should expect a better tax return than usual in 2021. We also talk through whether the government should lead by example when it comes to paid parental leave and superannuation, and touch on recent suggestions by Australian lawmakers that the super sector is affected by cartel-like behaviour.

Have a question for our experts? Get in touch at [email protected] and you might get featured on the next episode.

" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["catid"]=> string(3) "302" ["created"]=> string(19) "2021-09-21 05:44:52" ["created_by"]=> string(4) "2404" ["created_by_alias"]=> string(0) "" ["state"]=> string(1) "1" ["modified"]=> string(19) "2021-09-22 00:18:30" ["modified_by"]=> string(4) "2334" ["modified_by_name"]=> string(18) "Jerome Delossantos" ["publish_up"]=> string(19) "2021-09-21 08:38:24" ["publish_down"]=> string(19) "0000-00-00 00:00:00" ["images"]=> string(240) "{"image_intro":"images\/podcasts\/230221_Angel_Zhong_Steve_Waters_Timothy_Munro.jpg","float_intro":"","image_intro_alt":"","image_intro_caption":"","image_fulltext":"","float_fulltext":"","image_fulltext_alt":"","image_fulltext_caption":""}" ["urls"]=> string(121) "{"urla":false,"urlatext":"","targeta":"","urlb":false,"urlbtext":"","targetb":"","urlc":false,"urlctext":"","targetc":""}" ["attribs"]=> string(855) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_associations":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_icons":"","show_print_icon":"","show_email_icon":"","show_vote":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","video_url":"","channel_id":"UCLBR-2LtTtui_WiRuEfW3qA","send":"0","test":"0","comments":"1","readingDiff":"3","schema_active":"0","schema_name":"","schema_description":"","schema_thumbnailUrl":"","schema_uploadDate":"","schema_duration":"","schema_contentUrl":"","schema_embedUrl":"","canonical_link":""}" ["metadata"]=> string(68) "{"robots":"","author":"","rights":"","xreference":"","metatitle":""}" ["metakey"]=> string(85) "tax, expect, lockdown, looms, stage, cuts, boost, return, investors, economy, reopens" ["metadesc"]=> string(245) "In this episode of The nestegg Podcast, guest host Fergus Halliday checks in with our three experts to talk through the biggest conversations happening around when it comes to the world of superannuation, property, investing and wealth creation." ["access"]=> string(1) "1" ["hits"]=> string(2) "67" ["xreference"]=> string(0) "" ["featured"]=> string(1) "0" ["language"]=> string(1) "*" ["readmore"]=> string(4) "1195" ["ordering"]=> string(1) "0" ["category_title"]=> string(7) "Podcast" ["category_route"]=> string(17) "resources/podcast" ["category_access"]=> string(1) "1" ["category_alias"]=> string(7) "podcast" ["published"]=> string(1) "1" ["parents_published"]=> string(1) "1" ["lft"]=> string(2) "82" ["author"]=> string(12) "Robyn Tongol" ["author_email"]=> string(33) "[email protected]" ["parent_title"]=> string(9) "Resources" ["parent_id"]=> string(3) "300" ["parent_route"]=> string(9) "resources" ["parent_alias"]=> string(9) "resources" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#6571 (3) { ["data":protected]=> object(stdClass)#6618 (95) { ["article_layout"]=> string(14) "momentum:newne" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "0" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "1" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "1" ["show_vote"]=> string(1) "1" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "1" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "0" ["show_icons"]=> string(1) "1" ["show_print_icon"]=> string(1) "1" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "1" ["record_hits"]=> string(1) "1" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "1" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(4) "left" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(14) "momentum:newne" ["show_category_heading_title_text"]=> string(1) "1" ["show_category_title"]=> string(1) "1" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(2) "-1" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "1" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "1" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "14" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(2) "-1" ["show_pagination_limit"]=> string(1) "0" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(9) "published" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "1" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "2" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(1) ["sef_ids"]=> int(1) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["menu-meta_description"]=> string(180) "Let us help you decide how you want to invest your money on. Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["page_heading"]=> string(71) "Invest Money - Strategies and Tools for your Investment Goals | nestegg" ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2021-09-21 08:38:24" ["slug"]=> string(154) "17406:what-to-expect-as-the-end-of-lockdown-looms-will-the-stage-2-tax-cuts-boost-your-tax-return-where-should-investors-be-looking-as-the-economy-reopens" ["catslug"]=> string(11) "302:podcast" ["link"]=> string(167) "/resources/podcast/what-to-expect-as-the-end-of-lockdown-looms-will-the-stage-2-tax-cuts-boost-your-tax-return-where-should-investors-be-looking-as-the-economy-reopens" ["image"]=> string(65) "images/podcasts/230221_Angel_Zhong_Steve_Waters_Timothy_Munro.jpg" ["image_alt"]=> string(0) "" } }

Latest Podcast

What to expect as the end of lockdown looms? Will the Stage 2 tax cuts boost you...

Resources

There is $17.5 billion in lost and unclaimed super across ...

Invest

How overcoming fear of financial missteps can lead sophisticated investors to great reward

By Scott Parry

July 26 2019
Share

Invest

How overcoming fear of financial missteps can lead sophisticated investors to great reward

By Scott Parry
July 26 2019

There is a misconception that those who are yet to invest are simply waiting to reach a certain age or income level before making the shift from saving to investing, writes Scott Parry.

How overcoming fear of financial missteps can lead sophisticated investors to great reward

By Scott Parry

July 26 2019
Share

There is a misconception that those who are yet to invest are simply waiting to reach a certain age or income level before making the shift from saving to investing, writes Scott Parry.

Rather, my experience as a financial adviser has shown that Australians across the board are unfortunately hesitant to explore new pockets of potential wealth due to their fear of making a financial misstep.

This is particularly evident with Australians who are heading towards retirement. It’s concerning how many adopt a scarcity mentality when contemplating retirement, where they feel they have to adjust their lifestyle once they can no longer rely on a steady income through work. I’ve had clients worth tens of millions of dollars who are concerned that their savings won’t be able to support them, despite the various investment opportunities available today.

What’s driving this scarcity mentality?

When considering where to channel their hard-earned money, a lot of investors aren’t sure where to go for guaranteed returns and that peace of mind factor.

Their hesitation is understandable, given the Australian share market can be turbulent and low access to credit is expected to continue the downward movement of the property market over the next 12-18 months. In addition, a large number of investors are still dealing with a GFC hangover after being burned in the past with frozen funds, causing many to stick to traditional investments.

Investing in peace of mind

However, there doesn’t need to be a trade-off between having access to capital and financial flexibility and freedom. New sectors and platforms have emerged in recent years that are ripe with investment opportunities and can offer stable, competitive returns to help set more cautious investors at ease.

Peer-to-peer lending
Within the last decade, peer-to-peer (P2P) lending in Australia has given retail investors the opportunity to invest in consumer loans, a fixed income asset class that was more or less previously only available to banks. P2P lenders such as RateSetter offer a number of different markets, from one month to five years, for lending to creditworthy borrowers. This encourages investors to shift their mindset from chasing capital growth to bedding down a steady stream of competitive returns. For those who want to conserve capital and compound returns year on year, this can be an attractive investment option in a growing space.

In terms of structure, the biggest tick in the box is RateSetter’s provision fund. Knowing that a safety net of over $12 million dollars is available to shore up investors’ cash, regardless of whether a borrower misses a payment or defaults, can go a long way to reassuring people who are concerned about their returns. While the Provision Fund isn’t a guarantee, it’s comforting to note that so far investors have received 100 per cent of their returns and not one has ever missed a payment.

Neobanks
In terms of other emerging investment areas, neobank technologies are showing a lot of promise. This post-Hayne royal commission period will no doubt see changes to how Australia’s banking and financial services sector operates and neobanks such as Volt Bank are well placed to leverage everyday Australians’ demand for trust and transparency.

There will be ample opportunity to invest in these emerging players’ digital infrastructure, automated processes and data-driven, personalised services as they continue to build their offerings. While these companies aren’t listed yet, it is possible to buy in early through rounds of capital raising or equity crowdfunding.

Aged care sector
Outside of the finance space, I’ve certainly recommended that investors look to healthcare and the aged sector. Favourable demand forecasts indicate that there is a wealth of opportunity in this space, including investing in medical devices, facilities, providers and services. Taking into consideration the needs of Australia’s ageing population and the booming healthtech space, we expect this trend will have longevity.

Work to live, not live to work

If the name of the game is to have the financial freedom to live the life you want, then it’s necessary to overcome the psychological apprehensions that could prevent you from doing so. Australia’s investment landscape has evolved significantly in the past few years and there are more avenues for retail investors than ever before to realise their financial goals. I encourage all prospective and current investors to take the plunge and really consider strong, non-traditional investment options for peace of mind.

Disclaimer: Scott Parry invests through RateSetter and Volt Bank.

Scott Parry is the founder and CEO of Crown Money Management.

Forward this article to a friend. Follow us on Linkedin. Join us on Facebook. Find us on Twitter for the latest updates

Rate the article

About the author

Scott Parry

Grace is a journalist on Momentum Media's nestegg. She enjoys being able to provide easy to digest information and practical tips for Australians with regard to their wealth, as well as having a platform on which to engage leading experts and commentators and leverage their insight.

About the author

Scott Parry

Investment insights

How Aussies can invest like Warren Buffett

Arguably the most successful investor of the modern age, Warren Buffett is still the chairman and CEO of Berkshire Hathaway at 90 years old, and currently has a net worth of over $100 billion, writes ...Read more

Investment insights

Pahari leaves AMP as it pursues demerger

In yet another twist, AMP has announced its intentions to pursue a demerger of its private markets business, a move that has seen it kill off its takeover negotiations with Ares Management and Boe Pah...Read more

Investment insights

Business warned on COVID vaccine policy backlash

Businesses that pressure staff into getting a COVID-19 vaccine are being warned they could face discrimination, harassment, bullying and employment abuse claims, according to an industry expert. ...Read more

Investment insights

5-step guide to teaching kids about money

It’s never too early to start teaching kids about money and how to manage it. With the added challenges associated with COVID, it’s never been more important either! ...Read more

Investment insights

Why ethical investing is at a tipping point

Best-selling author Malcolm Gladwell said it best: “Look at the world around you. It may seem like an immovable, implacable place. It is not. With the slightest push – in just the right place – ...Read more

Investment insights

Ares withdraws from AMP bid as wealth manager’s financial results spell trouble

The bad news keeps rolling in for AMP, with the wealth manager reporting a significant drop in profit as its US bidder, Ares Management Corp, announces that it is backing out. ...Read more

Investment insights

‘RBA not responsible for asset prices’, governor says

RBA governor Philip Lowe has said that the Reserve Bank is not responsible for targeting asset prices, after questions were raised about the creation of raging bull markets against the backdrop of l...Read more

Investment insights

Retailers report strong HY21, with Super Retail set to refund JobKeeper

Certain Australian retailers are flourishing despite the government-mandated temporary store closures in 2020, with JB Hi-Fi reporting good sales growth and Super Retail Group pledging to hand back $1...Read more

Listen

What to expect as the end of lockdown looms? Will the Stage 2 tax cuts boost your tax return? Where should investors be looking as the economy reopens?

Listen now

Could property prices inflate by another 20%? What’s happening in recent dividend announcements? Did your fund fail the YFYS test?

Listen now

What does the NSW regional permit mean for property investors? Who really wins from the BHP-Woodside merger?

Listen now

The sea and tree-change norm; Square’s acquisition of Afterpay; Why you should think twice before turning to TikTok for advice

Listen now

Watch

nestegg Presents: Meet the Manager with Philip Ryan - Trilogy Funds

Watch now

nestegg Presents: Meet the Manager – Australian Solar Investments

Watch now

How much do you expect to spend at Christmas

Watch now

Is your super really that super?

Watch now

Read

ASIC warns of ‘blatant’ pump-and-dump social media campaigns

The financial habits of the millennial mindset are coming into focus

Remittance remains confusing to most Australian consumers

A quarter of employers in NSW stood down staff in August

Financial terms made easy

What is a personal cash loan? - Video

What’s ethical investing?

What is a commodity?

What is a mortgage broker?

How Aussies can invest like Warren Buffett

Website Notifications

Get notifications in real-time for staying up to date with content that matters to you.

sections

sections

sections

sections

sections

sections

sections

Most read

The ATO is targeting side hustlers: Here’s what you need to know...

Latest Podcast

What to expect as the end of lockdown looms? Will the Stage 2 tax cuts boost you...

Resources

There is $17.5 billion in lost and unclaimed super across ...

Invest

How overcoming fear of financial missteps can lead sophisticated investors to great reward

Invest

How overcoming fear of financial missteps can lead sophisticated investors to great reward

How overcoming fear of financial missteps can lead sophisticated investors to great reward

RELATED ARTICLES

How Aussies can invest like Warren Buffett

Pahari leaves AMP as it pursues demerger

Business warned on COVID vaccine policy backlash

About the author

About the author

more on this topic

Investment insights

How Aussies can invest like Warren Buffett

Investment insights

Pahari leaves AMP as it pursues demerger

Investment insights

Business warned on COVID vaccine policy backlash

Investment insights

5-step guide to teaching kids about money

Investment insights

Why ethical investing is at a tipping point

Investment insights

Ares withdraws from AMP bid as wealth manager’s financial results spell trouble

Investment insights

‘RBA not responsible for asset prices’, governor says

Investment insights

Retailers report strong HY21, with Super Retail set to refund JobKeeper

Watch

nestegg Presents: Meet the Manager with Philip Ryan - Trilogy Funds

nestegg Presents: Meet the Manager – Australian Solar Investments

How much do you expect to spend at Christmas

Is your super really that super?

Meet the Manager series with John Baini - Episode 1

Knowing your rights as a consumer

It PAYS to speak up about your finances

Meet The Manager: The hunt for yield continues domestically despite the Australian economy 'coming off the boil'

Is your car worth it?

Video: Trick or treat this tax time

Watch

nestegg Presents: Meet the Manager with Philip Ryan - Trilogy Funds

nestegg Presents: Meet the Manager – Australian Solar Investments

How much do you expect to spend at Christmas

Is your super really that super?

Listen

Sick of reading? Let the Nest Egg Podcast deliver information on topics as varied as crypto and emerging markets to retirement strategies and financial literacy straight to your ears.

What to expect as the end of lockdown looms? Will the Stage 2 tax cuts boost your tax return? Where should investors be looking as the economy reopens?

Could property prices inflate by another 20%? What’s happening in recent dividend announcements? Did your fund fail the YFYS test?

What does the NSW regional permit mean for property investors? Who really wins from the BHP-Woodside merger?

The sea and tree-change norm; Square’s acquisition of Afterpay; Why you should think twice before turning to TikTok for advice

The Olympic effect on property and equity investors; COVID-19 Disaster Payments and super

Do lockdowns boost property prices? Are short-sellers levelling the playing field? Did you lodge your tax returns early?

Will lockdowns halt the housing boom? Is the metaverse taking over? And the cons of lodging your tax returns early

Are you being priced out of the market? Have you got the Tuesday blues? And are you ready for the upcoming super changes?

Are property prices set to crash? Should you jump on board the fintok craze? And how to prepare for this tax time

Dissecting the budget and what it means for your equities, property and super

Listen

What to expect as the end of lockdown looms? Will the Stage 2 tax cuts boost your tax return? Where should investors be looking as the economy reopens?

Could property prices inflate by another 20%? What’s happening in recent dividend announcements? Did your fund fail the YFYS test?

What does the NSW regional permit mean for property investors? Who really wins from the BHP-Woodside merger?

The sea and tree-change norm; Square’s acquisition of Afterpay; Why you should think twice before turning to TikTok for advice

Borrow

nestegg will keep you informed about the latest in banking, credit cards, and loans. With our wide-range of comprehensive content, you can get all the information you need on how to borrow money more effectively.

Personal cash loans

Will these changes to joint account data sharing impact you?

What are term deposit interest rates?

Will a personal loan hurt my credit rating?