Stuart Wemyss 
The cost-of-living crisis has been well documented. It’s clear that prices for various goods and services have risen sharply over the past four years since the pandemic started. Firstly, if you’re spending more on day-to-day expenses, it’s likely you have less to put towards investments, especially if your income hasn’t increased much during this time. …
Every asset class comes with its own set of advantages and disadvantages, and property investment is no exception. In this blog, I often highlight the many benefits of investing in property and offer strategies to become a successful property investor. However, it’s equally crucial to recognise the downsides that come with property investment and think …
It’s highly probable that your super is invested across various asset classes, including bonds and shares. Nearly all investment professionals would argue that shares have the greatest probability of delivering the highest returns over the long term. This begs the question: why wouldn’t you consider investing 100% of your super into shares? How your super …
Experienced property investors are acutely aware of the significant increase in holding costs over the past four years. With the cash rate climbing from 0.10% to 4.35% alongside persistent inflation, it’s been a perfect storm for investors. While inflation might eventually ease, expenses such as insurance, council rates, and maintenance are unlikely to ever revert …
It’s quite common for one spouse to assume the primary responsibility for managing household finances. Naturally, if one partner possesses a natural inclination or proficiency in financial matters, it’s logical for them to take charge. While it may seem convenient for one spouse to handle these affairs, it remains crucial for the other spouse to …
I believe most people spend too much of their lives trying to reduce perceived financial risk. The opportunity cost of this approach is very high and puts lifestyle goals at risk. Too much focus on risk reduction Many people buy a home and then focus on repaying debt. They then upgrade their home and once …
I received a question from a reader asking what would make a superior investment. An apartment in a blue-chip location, or a house for the same price albeit not in a blue-chip suburb. Will houses always deliver better returns? In general, houses often prove to be superior investments, mainly due to their higher land value …
As we near the end of the financial year, it’s wise to reflect on how you can optimise your tax position for the 2023/24 financial year. Below, I’ve outlined the factors we typically consider when reviewing a client’s position. Firstly, estimate your tax position When undertaking tax planning, the initial step involves estimating your tax …
No one can control markets or guarantee investment returns. In a way, we are passengers on our investment journey. However, we do have full control when it comes to choosing where our funds are allocated – deciding on specific asset classes and investments. This strategic asset allocation is a critical decision, and I’d like to …
In November 2018, I hosted an investment briefing where I presented what I thought to be a compelling thesis on why the Brisbane property market was poised for significant growth. Brisbane’s median house price has since surged by an impressive average annual rate of 9.96% over the 5 years from 2019 to 2023. Consequently, the …
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