Conflicts of interest exist in many parts of the Australian financial services industry. The problem is that not all of them are obvious, especially to people outside the industry. It is also important to understand that a conflict of interest does not automatically mean someone is doing the wrong thing. Even an adviser who is honest, competent, …
If you are thinking about buying, selling, upgrading, or investing in property over the course of 2026, you are probably wondering what property prices will do this year. In this blog, I revisit the evidence-based factors that matter most: loan volumes, borrowing capacity, interest rate expectations, interstate migration, and where each capital city sits in its cycle. I also explain why …
When people think about building wealth, the focus usually turns immediately to investment strategies. Which shares to buy? Should I purchase another property? Is now the right time to invest? These questions dominate the conversation. Yet the most important contributor to long-term financial success is not investment selection. It is cash flow and debt management. The way you earn, spend, save, and …
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 …
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 …
Borrowing capacity is usually an investor’s scarcest resource. Because it’s limited, it should be allocated with great care and consideration. The goal is to ensure every dollar of borrowing capacity is put to its highest and best use. One way to measure this, is by considering the return on borrowing capacity – a simple framework …
I have written before about estate planning – wills, powers of attorney, super, and the like (here in 2018 and here in 2020). That said, we keep getting the same questions on a few topics, so I thought it was worth taking a closer look at them. Beware of higher tax rates for children Minors …
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