Over the past few decades, one of the most hotly debated topics has been housing affordability and the sustainability of annual property growth rates exceeding 7%, a trend that’s persisted for the past 45 years. This is an important discussion that deserves careful consideration from investors. Lately, I’ve received several questions about this topic over …
The Australian share market is valued at approximately $2.9 trillion. In comparison, the country’s bond market is worth more than half that amount, yet it remains relatively unknown to many investors. This includes bonds issued by the federal government, state and semi-government entities, as well as listed corporations. This blog provides an overview of the …
Over the past decade, I have written over 150 blogs about property investing. That’s enough content to fill four books! I’m always trying to publish thought-provoking and practical blogs that sometimes challenge conventional wisdom and empower investors to make better financial decisions. While each property investing blog that I write is important on its own, …
In this blog, I typically focus on providing advice (strategies and tactics) rather than discussing specific products or businesses. This approach ensures that I avoid any appearance of promoting particular products. My goal is to maintain the independence and trustworthiness of this blog as a reliable source of information. It’s important to clarify that my …
Setting the right budget for a property purchase, be it a home or investment, is a very important financial decision. If your budget is too conservative, you risk missing out on potential capital growth or settling for a property that does not meet all your lifestyle needs. On the other hand, if you overspend and …
If you own a property that you suspect may not be investment-grade, how do you work out if it is worth selling and replacing it with a better-quality property? Risks and costs associated with replacing a poor investment Replacing an investment asset comes with risks and several costs: Set a realistic expectation and benchmark It’s …
My personal philosophy on wealth building is simple: invest slightly more than necessary to comfortably achieve my financial and lifestyle goals, but no more than that! None of us know how long we have left on this planet, so I think it’s essential to maximise enjoyment today or at least enjoy the wealth-building journey as …
Tax season can be stressful, but a bit of smart planning can help you save significantly. Let’s walk through some essential tax planning tips and strategies for the financial year 2024/25, designed to help individuals and small businesses maximise their benefits and minimise their tax obligations. Understanding Tax Planning Tax planning involves arranging your financial …
Almost five years ago, I shared evidence that pointed to investment-grade apartments entering a growth cycle within a few years. That prediction hasn’t materialised as prices have remained relatively flat since 2020. But could that finally be about to change? My past work on this subject As noted above, I published a report in October …
The first step to maximising your superannuation balance involves choosing the right super fund. Every year, typically around July or August, I publish a blog where I compare the top super funds and identify the best one/s. This comparison can guide you in selecting the best fund for you. After selecting the optimal super fund, …
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