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On this episode of The nestegg Podcast, host Maja Garaca Djurdjevic and three experts discuss the latest in equities, property investing and super.

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Steve Waters, director of Right Property Group, chats about the latest in property, including the much-talked-about use of macro-prudential measures to cool the rapidly expanding market.

RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about soaring ETFs, what they are and why young investors, in particular, are jumping onboard their latest surge. Dr Zhong also takes a closer look at BNPL platforms.

And lastly, tax and super guru Timothy Munro gives his thoughts on Prime Minister Scott Morrison’s choice to backtrack on any further SG changes and looks at the impending end of the low and middle income tax offset.

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

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Have your flat white and save too

By Cameron Micallef

July 02 2019
Share

Invest

Have your flat white and save too

By Cameron Micallef
July 02 2019

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.

Have your flat white and save too

By Cameron Micallef

July 02 2019
Share

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 and Smart Property Investment. 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 leverage their insights to grow your portfolio.

About the author

Cameron Micallef

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