『S4 E30 Hold It Like You Own It: How to Invest, Add to Super, and Spot a Scam Before you lose it all』のカバーアート

S4 E30 Hold It Like You Own It: How to Invest, Add to Super, and Spot a Scam Before you lose it all

S4 E30 Hold It Like You Own It: How to Invest, Add to Super, and Spot a Scam Before you lose it all

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ou have a bit of money to work with, and you have realised you are the one deciding what happens to it now. That is a real shift, and it comes with a question almost every woman asks me like a confession: how do I know what to do, and how do I know I am not about to get ripped off? This episode is the answer. Over the next couple of decades an enormous amount of wealth is going to land in the hands of women, through inheritance, through longer lives, through our own earning. We are going to be the ones holding it. This one is about learning to hold it like you own it, not nervously, not so cautiously it never moves for you, but with the confidence of someone who knows how to check. In this episode Why the largest transfer of wealth to women in history means it is time to move from spending well to holding money like you own itThe one-and-a-half-million-dollar story that shows exactly what an unregulated scheme looks like from the inside, and why it fools capable peopleWhat "regulated" really means, and why an Australian Financial Services Licence is the signal, not the polishHow to start investing without studying the stock market, using exchange traded funds, micro-investing, and a first amount so small a wobble won't cost you sleepThe super carry-forward rule, the deadline nobody tells you about, and why this financial year mattersWhat people get wrong about crypto, plus the withdrawal test that exposes a trap wearing an investment's clothes The three questions before your money moves anywhere Are they licensed or registered? AFSL, ASIC, MoneySmart, AUSTRAC. It is free and it takes ten minutes. If they are not on the register, the conversation is over, no matter how good a friend or how persuasive they are.Can I get my money out? Legitimate money lets you leave. New fees, new taxes, new delays, and just-one-more-payment to withdraw is an alarm bell.Is it going where I think it is going? Is the name on the screen the same name as the business you are transferring to? Is your identity being checked? Are there real checks at all? Not one of those questions needs you to be a financial expert. They need you to be the one holding the wheel, willing to ask out loud. Where to check (all free, all official) MoneySmart (moneysmart.gov.au): the government's own money site. Search the Financial Advisers Register to confirm an adviser is legitimate, and the investor alert list for companies and websites not to be trusted.ASIC professional registers: look up whether a business holds an AFSL. If they claim to be licensed, verify it yourself rather than trusting the brochure.AUSTRAC: check whether a crypto exchange is registered as a digital currency exchange before you move anything near it.AFCA, the Australian Financial Complaints Authority: where you take a complaint if something goes wrong inside the system.Scamwatch: search a company name here. Thirty seconds can save you everything. The numbers, checked The concessional (before-tax) super cap for the 2026 to 2027 financial year is $32,500. It was $30,000 until the end of June.Carry-forward lets you use unused cap from up to five years back, provided your total super balance was under $500,000 on 30 June of the previous year. You use the oldest unused year first.The oldest slice still open to you is your unused cap from 2021 to 2022, and it expires on 30 June 2027. Use it or lose it.Crypto exchanges operating in Australia must be AUSTRAC registered, and platforms are being brought into the same AFSL licensing the rest of the finance industry uses. Rules are still tightening. Every situation is different, and the rules change. Confirm current figures with the ATO and MoneySmart, and get advice for your own circumstances before acting. Your one thing this week Log into your super. Look at the balance, look at what is going in, and see whether you have any carry-forward room. If you do, get on the phone to your fund, because your fund has advisers you can talk to. If you have a self-managed fund or serious wealth, speak with your financial adviser. Go deeper If you want to keep building this kind of confidence with women doing the same work, come and join us in the Happy Money Society. It is where a single episode turns into a habit. Find it at phoebeblamey.com.au. A quick, important note This is general information and education only. It is not personal financial advice. Rules change, and every one of us has a completely different situation, so check the current rules with MoneySmart and the ATO, and speak with a licensed financial adviser and your accountant about your own circumstances.
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