In the first episode of AMP’s Simplifying Super podcast, we delve into the ins and outs of how superannuation works with our Technical Strategy Manager John Perri.

Important information:
The opinions and views featured in this podcast reflect the individual’s own. Any general tax information provided is intended as a guide only and is based on the individual’s general understanding of taxation laws current at the date of publication. Date of publication 6 April 2021. AWM Services Pty Ltd (ABN 15 139 353 496).

Episode #1: What is superannuation?

Have you ever wondered who keeps your super safe until you retire? This week, AMP Australia’s Workplace Solutions General Manager, Briony Barclay-Ridge joins us to explain how the superannuation savings of members are held within trusts and the role of the trustee board of directors that oversee that fund.

Important information:
This podcast is general in nature and hasn’t taken your circumstances into account. Remember the value of investments may go up or down and you may not get back the amount you invested. It’s important you consider your personal circumstances and consider speaking to a financial adviser before deciding what’s right for you. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 23 July 2021. AWM Services Pty Ltd (ABN 15 139 353 496).

Episode #11: Keeping your super safe

Have you ever wondered what a self-managed super fund is and whether it's right for you? This week, we sit down with SuperConcepts' Executive Manager, Graeme Colley, to chat through the basics of the SMSF, and offer you an insight into whether an SMSF is the best vehicle to help save for your retirement.
 
 
Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 20 August 2021. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #13: Is a self-managed super fund right for you?

How do you transition to retirement, or even prepare for it? And when is the right time to start? As we move through life, our aspirations evolve and so will our financial needs.

In this episode, we talk to Jade Financial Group's Di Charman. As an AMP Financial Planning representative, Di devotes her time to helping clients secure a smooth transition to life after work. Di's work focuses on teaching clients how to set early goals and flex their financial muscle through education. 

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 1 October 2021. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #15: Transitioning to retirement

For the first time since November 2010, the Reserve Bank of Australia has raised its official cash rate by 0.25%, taking it to 0.35% and signalling more rate hikes are ahead.

So what could the cash rate look like by the end of 2022? How far will the central bank need to go to cool inflation? And what impact will rate hikes have on the nation's economic recovery?

AMP Chief Economist Dr Shane Oliver is back to break it all down in his latest Oliver's Insights, part of AMP's Simplifying Investing podcast series.

Important information:
This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 3 May 2022. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #26: The RBA has raised rates, so where to from here?

Investing can lead to any number of questions at the best of times, but the current mix of high inflation, rising interest rates and political uncertainty makes for an even more complex investing landscape.
 
Sometimes it’s important to refer back to the basics, and applying the fundamental principles of investing can often leave you more certain in your financial decision-making.
 
In his latest episode of Oliver’s Insights, part of AMP’s Simplifying Investing podcast series, our Chief Economist, Dr Shane Oliver, shares his five key tips for investing during uncertain times.

Important information:
This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 11 May 2022. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #27: Tips for investing in uncertain times

As a particularly turbulent year for investment markets draws to a close, AMP’s Chief Economist, Dr Shane Oliver looks ahead to 2023, and why there’s room for optimism.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 14 December 2022. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #55: Can we expect better returns in 2023?

With inflation, rising rates, war and fears for recession hitting bonds, shares and property prices hard in 2022, AMP’s Chief Economist Dr Shane Oliver looks to the year ahead, sharing his outlook for markets, and the key things for investors to keep an eye on.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 18 January 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #56: What can we expect for investment markets in 2023?

“No pessimist ever discovered the secrets of the stars, or sailed to an uncharted land, or opened a new heaven to the human spirit.” – Helen Keller 

AMP’s chief economist Dr. Shane Oliver explores the benefits in being an optimistic investor. 

Read Oliver's insights here: https://www.amp.com.au/insights-hub/blog/investing/olivers-insights-optimism-as-an-investor

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 05 September 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #86: Three reasons to err on the side of optimism as an investor

Retire with Confidence Whitepaper with Daniel Paperny and Ben Hillier

New national research released by AMP today has found most older Australians find it challenging to navigate our retirement system and lack knowledge about fundamental aspects of managing their retirement finances. 3 in 5 wish they’d started planning for retirement earlier in life and 7 in 10 don’t know what an account-based pension is. 

Link to Retire with Confidence whitepaper: https://northonline.com.au/adviser/insights-and-education/news-and-insights/retire-with-confidence

Visit our Newsroom for the full article: https://corporate.amp.com.au/newsroom/2023/september/australians-financially-illiterate-when-it-comes-to-retirement-

View the full interview with subtitles: https://www.youtube.com/watch?v=vKI3YAYszko

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 19 September 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Bonus episode: Retire with Confidence Whitepaper

In the 1980s and 90s superannuation investment returns were very strong. But since 1999, nominal superannuation returns have been more constrained averaging 6.2% pa as we entered a lower return world. Five key structural trends suggest higher medium term inflation pressures and constrained economic growth than pre-pandemic. AMP’s Chief Economist, Dr. Shane Oliver looks at why this is happening as well as the implications investment returns.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 25 October 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #97: Five constraints on medium term investment returns

The last few years have been associated with many geopolitical crises causing investor uncertainty and volatility in financial markets. AMP's Deputy Chief Economist, Diana Mousina looks at the impact of these risks on economies and global markets, the implications for investors and the five key geopolitical challenges to watch for over the coming years.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 6 November 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #99: What impact does geopolitics have on financial markets?

AMP's Chief Economist Shane Oliver reviews the RBA's decision to yet again  push north and raise interest rates. Will this be the last or is there is still more to come? 

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 8 November 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #100: RBA retains a tightening bias by raising to 4.35 per cent

Australia's economy has performed stronger than expected despite a slowing down in discretionary consumer spending and persistently high levels of inflation that have fuelled the cost of living crisis. AMP’s Deputy Chief Economist, Diana Mousina looks at why the RBA continues to raise interest rates, the impact this has had on both households and levels of inflation, and why getting the balance right on fiscal stimulus is critical amid movements to tighten monetary policy.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 20 November 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #101: Are RBA rate hikes doing more harm or help to the economy?

Successful investing is not always easy and can be stressful, even in good times. We are all susceptible to psychological traps, however there are some basic principles that can help to avoid silly mistakes. Join AMP's chief economist Shane Oliver as he shares nine key things for investors to bear in mind when navigating the world of markets.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 22 November 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #102: 9 key things for successful investing

Changes in the value of the Australian dollar are important for Australian investors as they impact both the value of international investments and the performance of domestic assets like shares. AMP’s Chief Economist, Dr. Shane Oliver looks at five reasons for why we can expect the Australian dollar to rise into next year, providing recession is avoided.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 28 November 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #103: What would a further rise in the $A mean for investors?

Since 2005, the pace of immigration has been a very dominant driver of population growth in Australia, helping address chronic skills shortages in both urban and remote areas. Join AMP’s Deputy Chief Economist, Diana Mousina as she looks at the economic impact of migration levels over the last 12 months and whether the current record pace of net migration can be sustained. 

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 04 December 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #104: Population growth in Australia

At its December meeting the RBA left the cash rate on hold at 4.35% but still maintained a tightening bias with relatively hawkish commentary. With the economy likely to slow further into next year, join AMP's Chief Economist Dr. Shane Oliver as he looks at whether we are now likely at the peak in rates and why the RBA has done more than enough to bring inflation back to target.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 06 December 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #105: The RBA leaves rates on hold – have we finally reached the top?

Despite lots of angst at the start of the year, 2023 turned out far better for investors with stronger than feared growth despite lots of bumps along the way. With high levels of inflation persisting in 2024, uncertainty in the Chinese economy and property sector, continuing geopolitical risks around recession and the lagged impact of rate hikes, the next 12 months could pose some real concerns for markets, yet there are still several reasons for optimism. Join AMP's Chief Economist Dr. Shane Oliver as he looks at what 2024 may hold and the key implications for investors.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 15 December 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #106: 2023 saw the return of Goldilocks, but what’s in store for 2024 for investors?

Join AMP's Deputy Chief Economist Diana Mousina as she takes a deep dive on the five key lessons we learnt from 2023 and what to expect in the next 12 months.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 18 December 2023. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #107: Five key lessons from 2023

2024 is likely to see positive returns helped by falling rates but they are likely to be more constrained and volatile than seen in 2023 given risks around the timing of rate cuts, recession risks and geopolitics. Join AMP's Chief Economist Dr. Shane Oliver as he unpacks the five key themes and lessons from 2023, the three primary challenges we face heading into 2024 as well as the key reasons for optimism on the investment outlook.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 09 January 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #108: Four reasons for optimism

AMP's Deputy Chief Economist Diana Mousina takes a closer look at Australian household wealth. Why did we have one of the lowest rates of disposable income growth per capita amongst OECD countries in mid 2023?    

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 11 January 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #109: Is high Australian household wealth a source of support for consumers?

The surge in inflation coming out of the pandemic and its subsequent fall has been the dominant driver of investment markets over the last two years. But what’s driving the fall, what are the risks and what does it mean for interest rates? Join AMP's Chief Economist Dr. Shane Oliver as he looks at the key implications for investors.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 17 January 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #110: Falling inflation – what does it mean for investors?

At its February meeting, the RBA left the cash rate at 4.35%, with noted progress in reducing inflation and bringing demand back to supply. While probably reluctant to raise rates again, the Reserve Bank still has a mild tightening bias and remains somewhat cautious. Join AMP's Chief Economist Dr. Shane Oliver as he unpacks Governor Bullock's comments, what it means for Australian households in the months ahead and why we could start to see rate cuts happening around mid year. 

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 7 February 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #111: Still cautious but less concerned: why the RBA left rates on hold

The Australian Government’s changes to the Stage 3 tax cuts have refocussed attention on the need for tax reform. Failure to adequately reform the tax system could further damage productivity growth and living standards in Australia. Join AMP's Chief Economist Dr. Shane Oliver as he unpacks the Stage 3 tax cuts, examines why tax reform is needed in Australia and looks at five key limitations with our current tax system. 

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 9 February 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #112: Five problems with the Australian tax system

AMP's Deputy Chief Economist Diana Mousina simplifies inflation expectations and the gender financial literacy gap; in light of the RBA's recent look at the public's understating of the inflation target and inflation expectations as a test of economic financial literacy.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 16 February 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #113: Inflation expectations

While the Reserve Bank of Australia decided to keep the cash rate on hold this week at 4.35%, there was a noticeable shift in Governor Michele Bullock's tone, indicating the RBA remains fairly cautious but are getting less hawkish. Join AMP's Chief Economist Dr. Shane Oliver and Deputy Chief Economist Diana Mousina as they look at the key take outs from this week's decision and what the Reserve Bank will be looking at closely in the months ahead.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 21 March 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #114: RBA Not ruling anything out or anything in

This week saw some important news on inflation with headline inflation unchanged at 3.4% which was less than expected. While the RBA is not rushing to change its stance, it was pleasing to see lower than expected levels of inflation in February with forecasts of a further slowing in inflation to 3.3% by June, which should see the start of rate cuts by around mid-year. 
 
Join AMP's Chief Economist Dr. Shane Oliver and Deputy Chief Economist Diana Mousina as they unpack the data, look at COVID's legacy and its lasting effects on inflation and our economy. 

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 28 March 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #115: Inflation surprised on the downside in February

Global markets have had a strong start to 2024 with US markets at a record high and a similar uplift seen in Australia. But, the macroeconomic backdrop remains complicated and downside risks are high which makes for an interesting investing environment. 
 
Join AMP's Deputy Chief Economist Diana Mousina and SMA Lead Portfolio Manager Brad Creighton as they take a closer look at the current macroeconomic outlook, the probability of risks, as well as how our funds are positioning their asset allocation in response. 

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 05 April 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #116: How to invest in the current macro environment

This week Diana and Shane look at seven key things you need to know about the Australian property market, why the link between income and happiness is messy and what’s driving higher petrol prices.

Important information:

This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 11 April 2024. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Episode #117: The Australian property market, income and happiness and rising petrol prices

The Simplifying Investing series helps to de-mystify the often-complex world of investing. Whether it’s big or small, we are all invested in something, that's why we're drawing on the knowledge of AMP’s experts to answer the big questions in superannuation, retirement, home loans and beyond.

Podcasts provided by AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group. They contain general advice only and have not considered your personal circumstances. You should consider seeking professional advice before deciding to act on any information in these podcasts.

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