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7 August 2025

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Podcast: Noel Whittaker's retirement tips and traps

Season 2, Episode 9

Special guest Noel Whittaker, best-selling author and personal finance guru, offers his key tips for making the most of your retirement. He discusses the mistakes that people make with SMSFs, why super remains a good vehicle for retirees, how estate planning is a "minefield", and the financial traps to avoid with aged care.

Firstlinks’ Managing Editor, Graham Hand, also joins us to explain why more listed investment companies should close as well as the intriguing battle between Magellan and shareholder activist Nick Bolton.

And Morningstar's Peter Warnes is back from a break to talk about the carnage in bond markets and what it might mean for Australian markets.

The podcast is also available via our dedicated website page, Google Podcasts, Apple Podcasts, Spotify, and BuzzSprout.

Please share with friends and colleagues, and a favourable rating would help spread the word. We welcome questions and suggestions at firstlinks@morningstar.com.

Grab a cuppa and settle in for our chat.

James Gruber
Editorial, Firstlinks and Morningstar

 

10 Comments
Lucille McLaren
October 09, 2023

Kay, Re bonds Tasman would be buying commercial bonds from the likes of FIIG. Some are available on the stock exchange and you can readily sell those if need be. Not all bonds are equal there is risk associated with them.

Tasman
October 08, 2023

Lucille,you are correct,My 18 bonds comprise floating rate 6,indexed 5, RMBS 3, fixed rate 2, asset backed 1 and one commercial .The 12% interset one is the asset backed one, short dated and is about 2% of total portfolio so I am comfortable with the risk.The bonds are also diversified across industry sectors,credit ratings(including unrated),duration and currency.

charles
October 07, 2023

It would be helpful if you could provide a written version of the podcast. It would help the deaf and also those that don't want to interrupt others. Also it would provide ability to refer back to segments.

B2
October 08, 2023

Agreed

Shane
October 09, 2023

Agree

James Gruber
October 18, 2023

Hi Charles, we would love to do it. Unfortunately, many tools such as zoom and others aren't accurate and fail to pick up financial terms and nuances. That means any audio transcription requires labor and money. We don't have that capacity at the moment, though hopefully that changes soon.

Kay
October 05, 2023

I have just listened to this podcast. Very interesting. I don't understand options, I needed an executive summary as background. Please do one. Also, a podcast on why an investor would want to invest in bonds.....no franking credits there, isn't a term deposit the same? More of Noel please, especially on estate planning. As he said 'you don't know what you don't know' . How does one best Estate plan if you have no family and you want to arrange things to give to causes in an ongoing fashion? Or are you best to give before you die and try to pass away broke? Noel told me many things I did not know today, thank you. I regularly read Firstlinks, a fair bit I don't understand, and the comments can be very entertaining.

Jan
October 05, 2023

I am interesting to know how one Estate plan if I have no family like Kay, I am going to arrange everything go to charity, wants some information on their financial situation, what is the percentage of the yearly people donated fund goes to the people who really need ?

Tasman
October 07, 2023

Current term deposits 4-5%?.My bond portfolio last financial year returned 6.8% from a very diverse mix of different types of bonds with interest ranging from 5% to 12%.They will mature over many years and then return my capital when they do.The interest is variously paid monthly or quartely so I am not waiting to the next year to benefit from franking credits.

Kay
October 08, 2023

I admit I am no expert. Treasury/Government Bonds are returning 4-4.5%. They are the capital guaranteed Bonds. If you are earning 12%, I think you must be taking on more capital risk (than a term deposit in Australia up to 250K per institution), with Corporate Bonds. My search for Capital and Inflation protected investments continues....

 

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