I want to dive into a topic we’re often asked about: property versus shares. More specifically, we’ll explore the question, “What level of growth does property need to achieve in order to outperform shares? Many people face this dilemma: should they invest in property or shares? Or, if they already own property, should they sell …
If you’re thinking about retiring in the next 5 years, it’s likely that you’ll need to make some key changes, either now or over the next few years. What specific changes are needed, depends entirely on your financial situation. However, there are several common areas that everyone approaching retirement should consider, which I discuss in …
It’s very common for parents to worry about whether their children will be able to afford to buy into the property market, and we get asked about this regularly. There are several complexities involved: some financial, and some more related to parenting choices. I’d like to share an idea that could work well for both …
One of the most challenging aspects of investing is figuring out if you should sell an underperforming investment or whether to hold and be patient. We’re often told to track investment returns closely and sell investments that aren’t performing. But the reality is, some investments just need more time. Charlie Munger, the legendary investor, famously …
CoreLogic reported that the total value of Australian property stands at an impressive $11 trillion, surpassing the combined worth of all listed companies on the Australian Stock Exchange by more than five times. Despite this staggering figure, financial advisors have typically concentrated their efforts on shares, bonds and superannuation, often treating property as an afterthought. …
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 …
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 …
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 …
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 …
The cost-of-living crisis has been well documented. It’s clear that prices for various goods and services have risen sharply over the past four years since the pandemic started. Firstly, if you’re spending more on day-to-day expenses, it’s likely you have less to put towards investments, especially if your income hasn’t increased much during this time. …
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