Repay your home loan or invest? You can do both. Debt recycling converts non-deductible home debt into tax-deductible investment debt, gradually and without extra borrowing. Get our free starter guide to see whether it suits you. Download Here The government projects that scams cost Australians $3.1 billion per year. Given that more of our life …
As investors, we gain invaluable insights by experiencing various markets and events, and by reflecting on our actions—those we took and those we didn’t. I firmly believe that experience is the key factor in preventing costly investment mistakes. Hence, I dedicate time each year to ponder the lessons provided by the market in the preceding …
Sydney’s housing market has shown robust growth since the early 1980s, with the median house price doubling approximately every decade during this period. In fact, several suburbs have delivered above-average growth. Melbourne has experienced comparable growth rates over the last 40 years. However, in contrast to Sydney, property in Melbourne tends to be more affordable, …
A few weeks ago, I discussed the limitations of using monetary policy – increasing interest rates – to tackle inflation. I highlighted that only 37% of Australians have mortgages, so they are the only ones that are directly affected by higher rates. Conversely, around 30% of Australians without mortgages benefit from higher interest rates as …
A property’s rental yield is the amount of gross rental income that it attracts relative to its market value. In Australia, gross residential property rental yields typically fall between 2% and 5% annually. This yield can provide insights into a property’s fundamentals and therefore anticipated investment returns. What drives a property’s rental yield? Two primary …
The treatment of taxation liabilities hinges on the investment structure of your superannuation. That is, pooled super funds like industry funds subtract tax before it’s paid. This is an important factor to consider because, depending on the amount of your super balance, it can have a significant effect on your retirement savings. While tax implications …
The recent decision by the RBA to raise interest rates may have surprised some people. While some argue that rates have already increased significantly and coupled with rising living costs, this could eventually control inflation, it is important to recognise the persistent threat that high inflation poses to an economy. Furthermore, central banks aim to …
Property investors should think about the investment returns they can anticipate over the next decade and beyond. This process assists in shaping realistic expectations to make informed financial decisions. It’s most advisable to create these expectations based on evidence and data. The past decade has delivered below average returns The chart displayed below illustrates the …
Readers of this blog own property or intend to purchase it in the future, whether for owner occupied or investment purposes. Property is an excellent asset class for accumulating and preserving wealth. This is primarily due to its fundamental nature as a necessity, its historical tendency to appreciate in value, and the relatively lower level …
Navigating the stock market in the coming years may prove challenging, primarily because markets need to adapt to higher interest rates. Whilst there are significant risks to avoid, I also believe there are promising opportunities worth considering. Do these 3 things to successfully invest in stock markets To maximise your investment returns in the stock …
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