The Wealth Collective
By The Wealth Collective Podcast
Hosted by financial advisers Pete Pennicott and Zac Masters, you will be getting expert insights, tips and views on investing and personal finance whilst having a laugh along the way.
Financial moves to make in your 30's - Episode 149
In this episode Pete & Zac discuss the financial moves you make in your thirties, off the back of Zac recently turning 30.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Financial Predictions for 2023 - Episode 148
In this episode Pete & Zac discuss there financial predictions for 2023 in the last episode for the year! Thank you to our loyal listeners for this year and as always, please send through any questions!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Tips for dealing with financial stress - Episode 147
In this episode Pete & Zac discuss tips for dealing with financial stress off the back of some worrying data of late.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Selling investments to fund a family home - Episode 146
In this episode Pete & Zac discuss what you should be thinking about when selling your investments to fund your family home.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Should your investments change with your age? - Episode 145
On this week's episode, Pete & Zac discuss whether or not you should move your investments as you age.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
The value of time - Episode 144
On this week's episode, Pete & Zac discuss the value of time in your financial plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Minimizing Capital Gains Tax - Episode 143
On this week's episode, Pete & Zac discuss different ways to minimize capital gains tax.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Federal Budget - October 2022 - Episode 142
On this week's episode, Pete & Zac discuss federal treasurer Jim Chalmer's first budget. The economic outlook that was included within the budget along with some of the superannuation, tax and social security implications.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
How does inflation impact your financial plan? - Episode 141
On this week's episode, Pete & Zac discuss the buzz word of 2022, inflation! They take a look at how inflation can impact upon your financial plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Using leave entitlements to kick start your retirement - Episode 140
On this week's episode, Pete & Zac discuss how to utilize your leave entitlements to kick start your retirement!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
How are behaviors and emotions impact our investing - Episode 139
On this week's episode, Pete & Zac discuss how are behaviors and emotions can impact on our investing!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Avoiding financial scams - Episode 138
On this week's episode, Pete & Zac discuss financial scams and how to avoid them, especially topical with the Optus data hack at the forefront of peoples minds!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Financial strategies for your final working years - Episode 137
On this week's episode, Pete & Zac discuss financial strategies for your final working years.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
What to do with rising interest rates - Episode 136
On this week's episode, Pete & Zac discuss rising interest rates and things you should consider during these times.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Intergenerational wealth transfer & end of life planning - Episode 135
On this week's episode, Pete & Zac discuss intergenerational wealth transfers and end of life planning. We look at superannuation death benefits tax, estate planning and early gifting.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
How much do I need to retire? - Episode 134
On this week's episode, Pete & Zac discuss some recent studies around how much is needed for retirement and how you can try to figure out what is right for you.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Why values are important when building your financial plan - Episode 133
On this week's episode, Pete & Zac discuss values based advice and why values are important when building your financial plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
The psychology of spending - Episode 132
On this week's episode, Pete & Zac take a look at the psychology of spending and how to spend in a positive way.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Insurance myths busted - Episode 131
On this week's episode Pete & Zac bust their biggest insurance myths. They discuss life insurance, total and permanent disablement, trauma and income protection.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Top 5 new financial year tips! - Episode 130
On this week's episode Pete & Zac run through their top 5 tips for the new financial year to make sure it starts off the right way!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
The importance of asset allocation - Episode 129
On this week's episode Pete & Zac run through the importance of asset allocation.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Property market update with Andrew Date - Episode 128
On today's episode, Zac Masters from Pekada is joined by Andrew Date from Industry Insiders to discuss what is happening in the property market at the moment, especially off the back of today's 0.5% interest rate hike from the RBA.
Andrew is the founder of Industry Insider has been helping clients navigate buying and selling in the residential space in Melbourne, Bayside & The Mornington Peninsula. Andrew has a unique insider’s view into how the sales agents and auctioneers operate behind the scenes as he was previously an auctioneer before starting Industry Insider in 2015.
Industry Insider website - https://www.industryinsider.com.au/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Financial red flags for a relationship - Episode 127
In this weeks episode, Pete Pennicott and Zac Masters from Pekada take a look at a few financial red flags for a relationship. They look at what these can mean for your relationship long term and your own personal goals and values.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Investing in a bear market - Episode 126
We're back!
On this episode Pete Pennicott & Zac Masters discuss what is happening in the world at the moment with the US entering a bear market. They also take a look at what you should be doing with your investments and financial plan during these times.
Blogs mentioned:
https://awealthofcommonsense.com/2022/06/how-long-does-it-take-for-stocks-to-bottom-in-a-bear-market/ - Ben Carlson
https://www.collaborativefund.com/blog/once-in-a-lifetime/ - Morgan Housel
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Top 10 Financial Planning Jargon Terms - Episode 125
On this episode Zac Masters & Anthony Malvaso unpack the top ten financial planning jargon terms.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Top 4 tips for starting a new job - Episode 124
On this week's episode, it's just Zac! So Zac runs us through his top 4 tips for starting a new job. We discuss superannuation tips, income protection, tax, savings plans and more.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
The final working years - Episode 123
With us in the midst of the AFL Finals, it got us thinking about the finals of your working life and how you can utilise the last working years to make sure that you boost your retirement.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Upcoming changes to Income Protection - Episode 122
On this week's episode of The Wealth Collective podcast, we take a look at the upcoming income protection changes. What they are and why it becomes super important if you are thinking of cancelling or switching insurers for your income protection.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Beating the "investment stall" - Episode 121
In this week's episode, Pete is back! He's here to discuss his recent blog about beating the investment stall and why it can pay to remain patient. You can read his blog here - https://www.pekada.com.au/news/beating-the-investment-stall/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Gifting an early inheritance - Episode 120
Australian's are living longer and longer and that means that inheritances are being passed on later and later. The average age to receive an inheritance is between ages 55-59, long after most Australians are buying their first home. With this in mind more and more people are looking into gifting an early inheritance to help their loved ones.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Microinvesting! - Episode 119
On this week's episode we take a look at microinvesting. This has become quite popular with the success of apps such as Raiz and Stake. We take a look at the pro's and con's and how it can fit into your overall wealth creation plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Top 3 tips for EOFY! - Episode 118
On this week's episode we run through our top 3 tips for EOFY planning and what you should be thinking about to improve your financial position at this time of year.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Top 5 things to do in lockdown (or any weekend) to improve your finances - Episode 117
With Victoria heading into another lockdown, we thought it would be a good time to give our top 5 tips for things you can do during lockdown to improve your financial position. If you're lucky enough not to be in lockdown, then these are tips that you can implement over a weekend.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Financially rebounding from a divorce - Episode 116
Spurred on by the recent divorce of Bill & Melinda Gates, we thought it would be worthwhile discussing how you can financially rebound from a divorce and what you should be thinking about.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
2021 Budget - Episode 115
On this week's episode we run through the 2021 Budget and how it will impact you along with looking at some potential strategies!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
The bank of Mum & Dad - Episode 114
According to Digital Finance Analytics latest figures, more than 60 per cent of first homebuyers are now receiving help from their parents to put down a deposit on a property and the average gifting is now equating to approximately $90,000. Based on the average first homebuyer deposit amount of $106,743, the Bank of Mum and Dad is providing an average of 84 per cent of the total required deposit for the more 60 per cent of first homebuyers that are receiving parental assistance.
On this week's episode we take a look at the best way's to help your children with a deposit for a home!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
How to work on your own terms! - Episode 113
On this week's episode we discuss the notion of working on your own terms and how more and more people are pushing towards this over the conventional retirement. We look at what this means and how you can get there!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
The importance of an emergency fund - Episode 112
On this week's episode, Zac and Anthony discuss the importance of an emergency fund. They look at how much you should, why you should have one and where you should keep the funds.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
How to get your finances organised! - Episode 111
On this episode Pete, Zac and Anthony take a look at getting your finances organised, why it's important and how you can stay on track.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
How to set financial goals - Episode 110
In this episode Pete and Zac discuss how to set goals, turn these into financial goals and also how to hold yourself accountable.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 109 - Renting vs Buying
On this week's episode of The Wealth Collective podcast we take a look at the topic of Renting versus Buying and what things you should be considering when looking at what will be better for you!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Ways to customise your super - Episode 108
This week we look at how you can customise your super so that it suits you and your retirement goals!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
How to time the market - Episode 107
In this episode we look at how you can time the market and if you can't do that, then what is going to be the best strategy moving forward for your investment portfolio.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 106 - All About Cryptocurrency!
On this week's episode Pete and Zac run through Cryptocurrency including what it is, how you can invest in it and how it should look as part of your overall investment plan.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 105 - Naughty or Nice list for 2020
On the final episode of the year, we run through what makes our naughty or nice list for 2020!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 104 - Superannuation strategies for 2021
This week we discuss the top super strategies for 2021 and try and uncover some of the strategies that are not as well known. Must listen for boosting your super in 2021!
Links we discuss
- https://www.superguide.com.au/how-super-works/super-for-beginners
- https://www.moneysmart.gov.au/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 103 - Top investment trends for 2021
On this week's episode we look forward and into our crystal ball and try to discuss what we think will be the big investment trends of 2021.
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 102 - Top 5 tips for buying a home with Andrew Date
On today's episode, Zac Masters from Pekada is joined by Andrew Date from Industry Insiders to discuss his top 5 tips for buying a home..
Andrew is the founder of Industry Insider has been helping clients navigate buying and selling in the residential space in Melbourne, Bayside & The Mornington Peninsula. Andrew has a unique insider’s view into how the sales agents and auctioneers operate behind the scenes as he was previously an auctioneer before starting Industry Insider in 2015.
Industry Insider website - https://www.industryinsider.com.au/
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 101 - Financially preparing for Christmas
With under a month until Christmas, Pete, Zac and Anthony discuss how you can financially prepare and give some tips on how to be financially efficient this festive season!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!
Episode 100 - Our biggest financial lessons learnt
In a very exciting episode for us, we look back at our previous 99 and identify the biggest financial lessons and themes throughout and discuss what we've learnt along the way.
A big thankyou to all of you who listen to us as we couldn't keep going without you!
As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible!