Stuart Wemyss 
Upgrading your home is a very important lifestyle decision that will have a significant impact on your standard of living. However, it is also a very important financial decision. Making wise choices can greatly improve your financial position, but mistakes can be very costly and impair your ability to build wealth. (1) Approach the decision …
The price of Bitcoin has risen 64% in 2024 so far. That’s after rising 156% in 2023! Last week, a client brought to my attention that the CEO of the largest asset manager in the world, Blackrock, suggested that crypto is a good long-term store of value. He likened it to digital gold. This might …
Regular readers of this blog would be aware of my unwavering commitment to adopting a long-term perspective when it comes to making financial decisions. While I firmly believe in this approach, I also recognise that there are occasions when short-term decision-making can offer advantages. Nevertheless, it’s important to note that such instances are infrequent and …
In Part 1, I analysed the performance of apartment markets in the eastern capital cities over the last decade. I highlighted the reasons behind their underperformance compared to houses and explored potential factors that might lead to a new growth cycle. In Part 2 below, I’m going to help you decide whether you should sell …
Apartments have underperformed compared to houses for the past 13 to 14 years in Melbourne and Brisbane and the past 6 years in Sydney. Melbourne has been the weakest market. Over the past 13 years since 2011, the median apartment price in Melbourne has only increased by 2.6% p.a. Interestingly, this matches the inflation rate …
I was motivated to write this blog for two main reasons. Firstly, I observed several buyers’ agents on social media proudly advertising short-term capital gains. One instance caught my attention, where a buyers’ agent claimed to have purchased a property for a client 18 months ago for $435,000, asserting its current value at $510,000, implying …
On 14 February 2024, Stuart Wemyss joined Pete Wargent to discuss a variety of topics including the Stage 3 tax cuts, challenges with borrowing capacity and how to overcome them, property valuation strategies, superannuation investment strategies and much more.
The stock market has kicked off the year on a positive note, reaching record highs in the US. While this may initially appear promising, it’s essential to consider potential risks that investors need to be mindful of. On the flip side, I identify promising investment opportunities amidst these considerations. Past performance should guide decision-making The …
Investment bonds are promoted as tax-efficient investment solutions, particularly if investing on behalf of children. In this blog, I consider the advantages and disadvantages of these bonds and discuss alternative investment options for consideration. In short, we almost never recommend using investment bonds. Here’s why… What is an investment bond? An investment bond is a …
A key financial goal for most people is to eventually repay their home loan. Last year I outlined 3 questions you must ask yourself to determine whether repaying your home loan is your top priority – see here. The internet is filled with countless ideas on how to repay your home loan faster. However, many …
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