Historically, the big difference between upgrading your family home and preserving borrowing capacity to buy an investment property was negative gearing. Home loan interest is not tax deductible. Investment loan interest, by contrast, generally is. So, from a tax and cash flow perspective, borrowing to invest in property was often more attractive than simply spending more on your …
Last Friday, both Houses passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. At the time of writing, the Bill has not yet received Royal Assent, so technically it is not law. However, Royal Assent is generally regarded as a mere formality. Importantly, the practical application of the new rules still depends on several key ministerial decisions that …
I have said before that there are only a handful of financial decisions that truly move the dial over a person’s lifetime. The reality is that if you get those decisions right, most of your financial outcomes will take care of themselves. That is why I originally wrote Investopoly and have now completely rewritten it as Wealth by Design. …
Often, financial advisers often manage their own money differently from the clients they advise. After more than two decades working with both advisers and investors, I thought it was worth sharing some of the patterns I have observed. Before doing so, I want to be clear about my intention. This is not intended to be a …
Over the past decade, and especially over the past five years, there has been a significant increase in the number of commercial buyer’s agents in Australia. Many are actively promoting the benefits of investing in commercial property. And with higher interest rates reducing borrowing capacity, more investors are being tempted to consider commercial property as …
Warren Buffett’s business partner, Charlie Munger had a guiding philosophy on checklists: “No wise pilot, no matter how great his talent and experience, fails to use his checklist.” Investing is no different. A good checklist removes the need for daily judgement calls, takes emotion out of the equation, and replaces gut feel with process. That is the same …
As we approach the end of the financial year, now is a good time to revisit your superannuation contributions before the window closes in the weeks prior to 30 June. Super is a long game, but most of the levers you can pull are pulled inside a tight 12-month window, and several of them are use-it-or-lose-it. Below is a …
Paying tax is psychologically painful. Loss aversion means we experience losses about twice as strongly as equivalent gains, and this effect is amplified when we pay expenses. Governments are widely seen as wasteful with public money, and that perception is largely justified. Virtually every taxpayer shares the view that too much of what they contribute is squandered. No one enjoys handing it over. But …
Australian property investors need to accept that policy risk has increased substantially, and that this is a permanent shift. Tighter tenancy laws and higher taxes erode returns, and the only way to offset that is to pursue higher returns through a more proactive investment approach. Melbourne’s 15-year property reality check According to Cotality’s Daily Price Index, which began just …
There are two sensible ways to build an ETF portfolio. The first is to use a diversified ETF such as VDAL or DHHF. The second is to construct your own portfolio using several ETFs. Both can work. The right choice depends on two things: how much money you are investing, and whether you have the knowledge, temperament, and discipline to build a …
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