The main difference between property and shares lies in the depth and reliability of historical data. The share market offers extensive and dependable data, making it a valuable resource for financial decision-making. In contrast, property data often lacks the same level of reliability due to various factors, which I discuss below. Therefore, when making decisions …
I recently listened to this podcast hosted by James Kirby where he interviewed his guest about the increasing cost of financial advice. Many financial advisors’ ongoing fees start at $5,000 per year. Due to a shortage of advisors in Australia, most advisors now focus on ongoing client relationships and do not offer once-off or occasional …
There has been a lot of commentary about interest rates and inflation over recent weeks. Of course, no one really knows what will happen to inflation over the coming months, including the RBA. Consequently, the timing of potential interest rate cuts is speculative. Putting aside these predictions and rhetoric, I thought it would be useful …
When an investor first borrows to buy an investment property, almost always the rental income does not cover the associated expenses, including loan repayments. This means the investor will need to cover any shortfall out of their pocket each month. While you can claim a tax deduction for this shortfall (known as negative gearing), it …
A question I frequently get asked is whether it’s worth paying for financial advice and how much investable cash flow or portfolio size justifies the expense. These are excellent questions. When considering paying for financial advice, it’s important to ensure that the benefits you receive far outweigh the cost. In other words, you must be …
At the start of this month, the US market dropped by 6%, and Australia followed suit with an identical decline. In the week after, the US rebounded by 3%, whilst Australia only managed a 2% recovery. This situation got me thinking: why does it seem like the Australian share market consistently underperforms compared to international …
In a blog I wrote back in late 2018, I introduced the term liveinvesting. It’s inspired by the concept of rentvesting, where you rent a home in your desired location while investing in property elsewhere. Considering that property prices in certain capital cities like Melbourne are currently more affordable relative to other locations, it’s a …
When it comes to selling a property, there are many important factors to consider that will help you maximise your success. (1) Presentation and improvements Not presenting your property effectively is one of the biggest mistakes sellers can make. You only get one chance to make a great first impression. By presenting your property well, …
Once again, the last financial year has been kind to superannuation investors! Many super funds have delivered double-digit investment returns. However, not all super funds are created equal and some of the risks that I have written about in past years have come home to roost in the past 12 months. Investment returns for the …
I frequently join James Kirby on his bi-weekly podcast hosted by The Australian newspaper. Recently, he delved into the interesting and important topic of “how much money you should have in superannuation.” I couldn’t resist the temptation to share my thoughts and insights. How long will retirement last? I read this article by Ashley Owen …
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