Stuart Wemyss 
One of the most challenging aspects of investing is figuring out if you should sell an underperforming investment or whether to hold and be patient. We’re often told to track investment returns closely and sell investments that aren’t performing. But the reality is, some investments just need more time. Charlie Munger, the legendary investor, famously …
When it comes to property investment, many investors strive to strike a balance between the income and the capital growth a property generates, hoping to maximise both. However, I have written a lot about the fact that the income from a property, after expenses, probably won’t help you achieve financial independence. It’s the power of …
The average investment loan size stands at just over $600,000, which means that half of all investors borrow more than this amount to acquire an investment property. However, in my experience, most investors tend to spend less than $1.5 million on a single investment property. It’s important to note that many individuals own more than …
Changing the ownership of a property is typically cost-prohibitive. This is mainly due to the potential stamp duty and capital gains tax liabilities that can arise. Therefore, it’s vital to carefully consider the ownership structure right from the start. Once you’ve made that decision, it is likely that you will have to live with the …
Personal insurance premiums for products such as income protection, life insurance, total and permanent disability (TPD) insurance, and trauma insurance have seen significant increases over the past decade. It’s not uncommon for these premiums to rise anywhere from 5% to 30% each year. Insurance is essential when the financial risk is too great to ignore. …
CoreLogic reported that the total value of Australian property stands at an impressive $11 trillion, surpassing the combined worth of all listed companies on the Australian Stock Exchange by more than five times. Despite this staggering figure, financial advisors have typically concentrated their efforts on shares, bonds and superannuation, often treating property as an afterthought. …
In Part 1 of this blog topic, I discussed the various options for investing your superannuation including industry super funds, retail super funds and SMSF. Now, in Part 2, I want to focus on wrap accounts. These accounts offer a similar level of transparency, control and flexibility as an SMSF, but they come with lower …
A lot of Australians are eager to ensure their superannuation is invested wisely to maximise their balance by the time they retire. However, comparing the different super-product choices can be tricky. Recently, there’s been increasing criticism of industry super funds, particularly regarding their oversight and transparency around unlisted investments and the role/influence of unions. Many …
There’s an endless stream of news articles discussing the economic factors that influence property prices: interest rates, unemployment, the supply of new homes, rezoning, and population growth – just to name a few. Having followed the property market closely for more than two decades, I have two observations to share. First, I’d love to have …
The main difference between property and shares lies in the depth and reliability of historical data. The share market offers extensive and dependable data, making it a valuable resource for financial decision-making. In contrast, property data often lacks the same level of reliability due to various factors, which I discuss below. Therefore, when making decisions …
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