I have written a lot about the importance of investing in the highest-quality, investment-grade property that your budget allows. The quality of the asset you choose will likely have the greatest impact on its future capital growth rate over the long term. Simply put, you can’t expect above-average capital growth from an average-quality property. To …
Rohan Rajiv from the daily blog, A Learning a Day recently wrote “The definition of strategy that I use in my day to day is that good strategy is defining the right sequence of steps that helps us navigate trade-offs and achieve the end outcome.” This definition of strategy is a perfect fit when it …
Choosing a super fund? Read this first. Most people pick a super fund based on last year’s return. That is the wrong way to decide. Our free annual report explains the four factors that actually matter and helps you work out the right structure for your balance. Download Here In last week’s blog, I compared …
Is your super fund actually the best one for you? The fund that topped last year’s table is not necessarily the right one for your circumstances. Download our free guide to choosing the best super fund in Australia, built around structure first, investment strategy second. Download Here In recent years, borrowing by SMSFs has increased …
Turn your home loan into tax-deductible debt. Debt recycling lets you pay down your mortgage and invest at the same time, without increasing your total debt. Download our free starter guide for the step-by-step method, a worked example, and the rules that keep your deduction safe. Download Here When I started ProSolution back in 2002, …
If you’ve been following my blogs for a while, you’ll know that I’m a strong advocate for evidence-based investment strategies. Put simply, I only employ investment strategies that have a proven track record – where the evidence overwhelmingly shows that a rules-based approach has consistently delivered strong returns over many decades. This approach gives us …
It’s always fascinating to explore how property prices might move over the coming year. While short-term price fluctuations aren’t particularly relevant for long-term investors, this kind of analysis can be incredibly useful for those planning to sell or buy property in 2025. Last week, I joined James Kirby on The Australian’s finance podcast to dive …
Historically, I’ve often recommended that people repay interest only on investment loans. This approach offers two key advantages: However, interest-only loans now come with a drawback: higher interest rates. On average, the big 4 lenders charge a 0.26% p.a. premium for interest-only loans compared to principal and interest loans. For some borrowers, switching to principal …
In the face of the cost of living crisis and high interest rates, many people have less surplus cashflow (income after expenses) at their disposal. They might have high expenses or large financial commitments that consume all their means. However, if you are fortunate enough to be in a financial position where you have strong …
Owning an investment property within a Self-Managed Super Fund (SMSF) is an appealing prospect for many due to the tax-friendly environment of super. It allows you to pay just 15% tax on rental income and up to 10% capital gains if you sell a property during the accumulation phase. If held until retirement, it can …
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