Finance - Joel Harty with Denis Walter - Tue 31 Mar, 2026

In this episode of Nights with Denis Walter, financial advisor Joel Harty from Jacaranda Financial Planning discusses the current state of the Australian financial markets, which have experienced a volatile month with the ASX 200 down 7.8% since March 1 due to inflation concerns, Middle East tensions, and fuel rationing fears. Harty highlights how rising fuel costs—such as diesel at $3.29 per litre—are impacting consumer behavior, reducing vehicle traffic, and boosting interest in electric and hybrid vehicles, especially with generous tax incentives like novated leases. The conversation shifts to retirement planning, with Harty explaining the benefits of account-based pensions for those over 60, including tax-free withdrawals and earnings, and outlining strategies for accessing superannuation early by ceasing employment. He also promotes investment and education bonds as flexible, tax-effective alternatives to super, particularly for funding children’s education. As the federal budget approaches, Harty previews potential changes, including possible CGT discount reforms and tax threshold adjustments, with a focus on economic resilience and productivity. The episode concludes with a reminder about a free upcoming seminar on April 23 at the Rialto Building in Melbourne.