Finance - Joel Harty with Denis Walter - Tue 24 Mar, 2026
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In this episode of Nights with Denis Walter, financial planner Joel Harty from Jacaranda Financial Planning joins to discuss the current market volatility driven by geopolitical tensions in the Middle East, particularly the blockade of the Strait of Hormuz, which has disrupted global oil supply and pushed oil prices to $120 per barrel. This energy crisis is causing widespread economic ripple effects, including fuel shortages in New South Wales and Victoria, impacting agriculture, mining, and transport sectors. Harty explains how diesel shortages are more critical than petrol shortages, affecting everything from farming to freight. He also addresses concerns around the private credit sector in Australia, cautioning investors about liquidity risks and offshore borrowing, especially amid rising global interest rates. The discussion then shifts to tax-effective superannuation strategies, highlighting the transition to retirement pension as a powerful tool for those aged 60–65 still working—allowing tax-free withdrawals, recontributions, and tax deductions that can save $5,000–$6,000 annually. Harty also clarifies the flexibility and rules of self-managed super funds, emphasizing the need for an investment strategy document. The episode concludes with a preview of Jacaranda Financial Planning’s 10th-anniversary seminar and a brief mention of a new EU trade deal that may reduce luxury car taxes in Australia.
Oil price volatility due to the Strait of Hormuz blockade is driving global inflation and market instability.
Diesel shortages are having a disproportionate impact on agriculture, mining, and regional transport.
Private credit investments carry high risk due to offshore borrowing and potential liquidity issues.
Transition to retirement pensions allow tax-free withdrawals and recontributions with tax deductions for those aged 60–65 still working.
Self-managed super funds offer flexibility but require a formal investment strategy document.
…and 1 more takeaway available in PodZeus
Market Volatility and the Global Oil Crisis
“You've seen the ASX correct, which is a drop of more than 10%, and you've seen that oil price. In one case, it shot up to $120 US a barrel.”
Impact of Diesel Shortages on Economy and Daily Life
“The shortage of diesel, because obviously these – and even mining companies. So the mining companies – Yeah, what happens there? Well, the share price of a lot of our major miners have been really impacted...”
Private Credit Sector Risks and Investor Caution
“The biggest risk with private credit is that yes, the rates of return for investors are high and that's partly because of the risk involved in it.”
Tax-Smart Superannuation Strategies: Transition to Retirement Pensions
“Imagine if you're working and you're earning... let's say $90,000 a year is a salary. Your employer's putting in 12% of that salary, so somewhere around $10,500 a year... you can actually draw money out of your super, recontribute it back in... and if you're on that $90,000 salary, there's an instant tax saving in the order of $5,000 to $6,000 a year.”
Self-Managed Super Funds and EU Trade Deal Implications
Harty discusses the rules and flexibility of self-managed super funds, emphasizing the need for an investment strategy document, and previews the EU-Australia trade deal’s potential to reduce luxury car taxes.
“Imagine if you're working and you're earning... let's say $90,000 a year is a salary. Your employer's putting in 12% of that salary, so somewhere around $10,500 a year... you can actually draw money out of your super, recontribute it back in... and if you're on that $90,000 salary, there's an instant tax saving in the order of $5,000 to $6,000 a year.”
“You've seen the ASX correct, which is a drop of more than 10%, and you've seen that oil price. In one case, it shot up to $120 US a barrel.”
“The biggest risk with private credit is that yes, the rates of return for investors are high and that's partly because of the risk involved in it.”
Host
Guest
Joel Harty
person
Jacaranda Financial Planning
organization
Australia
place
Strait of Hormuz
other
ASX
organization
Victoria
other
EU
organization
New South Wales
other
BMW
brand
Blue Owl
organization
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