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 Every time interest rates move up or down, we are asked the same question: “Should I fix my mortgage rate?” …
There’s more property data available to investors today than ever before, much of it free, and it can significantly improve investment decision making. Analysing how a property’s value has changed over time (i.e. its compound annual growth rate across multiple decades) and comparing it to comparable properties in close proximity, is an essential part of investment due diligence. However, it’s equally important not to become too data driven. …
Not sure your super fund still stacks up? We update our best super fund report every year so you always have the current answer. Get the free report and the four-factor framework we use with clients. Download Here After the resounding win at the federal election in May 2025, Prime Minister Anthony Albanese and Treasurer Jim …
If you are a PAYG employee, you probably feel like you are paying more than your fair share of tax, and you are not wrong! The system is not built in your favour. One of the most common questions we get from PAYG earners is: “What can I do to legally reduce the amount of tax I pay?” This blog answers that question. Why is the …
If you have been looking at property price data from the past five years, be careful. This period has been shaped by a perfect storm of unique, one-off factors, and it does not necessarily reflect the long-term fundamentals that drive sustainable growth. My concern is that some investors may rely on this recent data and …
Investors cannot control market returns – they will be what they will be. What they can control is when, in which asset class, and how they invest. This is what we call portfolio construction, and it is arguably the most important decision an investor can make. Get it right, and you are on track to …
Momentum is a share market factor strategy that involves investing in stocks that have exhibited strong price growth over the past 12 months. On the surface, it sounds logical – buy stocks that have been performing well. However, as with many ideas that appear compelling in theory, the reality is more nuanced. Momentum investing often …
I came across this chart on X recently, comparing house price growth with money supply over the past decade in the USA. The idea is: when there’s more money circulating in the economy, it can push property prices higher because housing stock is relatively fixed. In short, supply of houses simply can’t keep up with …
From time to time, clients ask whether being classified as a “wholesale investor” unlocks better investment opportunities. It might sound impressive and exclusive but what does it actually mean in practice? Do very wealthy people have access to a lot better investments? What is a wholesale investor and what does it mean? A wholesale investor …
In Australia, we don’t currently have an inheritance tax like some other countries do. That said, the idea has been popping up in political conversations, especially with the government recently discussing it at the Economic Reform Summit in August. But here’s the thing: while we don’t have a broad inheritance tax, there is one sneaky …
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