In 2023, I wrote that inflation and interest rates could remain higher for longer than most people expected. That view was based on 50 years of history showing that once inflation exceeds 8%, it usually takes a decade or more to settle back down. Underlying inflation subsequently fell from around 4% in mid-2024 to a …
Our approach to constructing investment portfolios is best described as value-aware: investing in high-quality assets when they are attractively priced. Quality determines whether an asset or asset class is worth owning. Price determines when to invest and how much. Value-aware investing requires assessing these factors separately including accurately estimating an assets intrinsic value to determine …
Most investors think good investing is about finding more things to say yes to. More opportunities, more asset classes, more products in the mix. In my experience, the opposite is true. The investors who build the most wealth over a lifetime are the ones with the discipline to say no, repeatedly, to almost everything that …
The government has now introduced two separate 30% minimum taxes. However, only one of them is law. Division 119 is already law and applies a minimum 30% rate of tax to capital gains after 1 July 2027, including capital gains distributed by a family trust. The second measure, taxing trust distributions at a flat …
Over recent months, I have explained why we are currently underweight Australian shares. Australia represents only a small part of global developed markets; its index is concentrated in a few sectors, and we question its capacity to generate acceptable future returns relative to current valuations. Therefore, we believe that investors should allocate more to global …
I would like to explore a funding strategy that may help investors prioritise investing in the highest-quality property they can afford while managing the cash flow impact of quarantined negative gearing. However, before I explain the strategy, I want to make one point very clear: this is not an attempt to justify investing in established …
Property investors who owned assets before Budget night will continue to benefit from negative gearing. Therefore, most will be reluctant to sell, because if they subsequently reinvest in an established property, they will lose immediate access to those tax benefits. However, given the Melbourne property market’s significant underperformance over the past decade, investors are naturally …
It’s been fascinating to watch how differently asset classes have performed over the past few years. Share markets have generally delivered strong double-digit returns, while others, such as unlisted commercial property trusts and residential property in Melbourne and to a lesser extent, Sydney have really struggled. This is nothing new, of course. All investment markets move in cycles, and a long-term investor should expect periods of …
Before you try to work around these changes, get the full toolkit This blog tests six strategies for keeping property investing attractive after the tax changes. None of them stack up on their own. Our free decision tool goes further: it helps you work out whether to hold, act modestly, or change strategy altogether, and …
Every year, I update my analysis of how to choose the best super fund in Australia. This year I have restructured it, and I think it is the most useful version yet. The guide is no longer just a list of returns. It is built around a simple idea I think most people get backwards. …
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