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In this episode of the nestegg podcast, David Stratford has a chat with Aberdeen Standard Investments’ head of retirement and product strategy for Australia, Jason Nyilas to discuss all things retirement.

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Investors will learn the importance of financial advice in retirement, since the default pension options available don't always match up with personal expectations.

Jason also weighs in on whether the impending retirement income covenant goes far enough in supporting individual member needs.

Thanks, Jason, for sharing your insights with the nestegg podcast team!

You can keep up to date with what Jason is up to HERE.

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Saturday, 19 October 2019

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Have your flat white and save too

By Cameron Micallef · July 02 2019

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Have your flat white and save too

By Cameron Micallef · July 02 2019

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It is widely reported that savvy investors should cut out the daily cup of coffee as those small, incremental savings can add up in the long term.

If Australians buy a cup of coffee before work every weekday at $4 a cup, they will spend $1,040 a year on coffee alone.

However, the chief executive and founder of financial technology app Moneytree, Paul Chapman, believes Australians can keep the cup of coffee and still save.

“It’s an old trope that if you stop spending so much on a flat white, you’ll save so much money… I think it’s a little disingenuous that personal finance experts say spend less on coffee,” he said.

Speaking to Nest Egg, Mr Chapman discussed how young investors should buy their cups of coffee and set themselves up for the future through engagement and focusing on income.

“Ultimately, engagement is king. You need to get people interested, hold their attention and make them see it’s worth their while,” Mr Chapman said.

“If you want to look after your finance longer term, you are going to have to learn a bit more, read a bit more so that engagement is key.”

The chief executive of the money app also believes that while controlling spending is important, other factors play a much larger role in what Australians end up with in retirement.

“What we tend to find once you’ve found an equilibrium in spending, the thing that has the biggest impact on your future stability is your income,” said Mr Chapman.

“Being able to increase your income, saving early and investing early are the three things that have the biggest impact on you long term.”

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leveraging their insights to grow your portfolio.