AI has quickly gone from tech buzzword to investment obsession, with “the AI trade” now shorthand for backing the companies most likely to benefit from its growth. But before you assume today’s obvious winners will still look obvious in a decade, it is worth revisiting the last time a world-changing technology captivated markets. The dot-com era offers a surprisingly …
Investing in residential property is a common goal for many investors. It is a familiar asset class, it is tangible, and many Australians have built a lot of wealth investing in property. The problem is that most investors approach property without a framework. They focus on what they can afford, or what a colleague recently bought, or what they hear …
Towards the end of each year, many people start thinking about their financial position and what they want to improve in the year ahead. It is a natural time to step back and take stock. The problem is that most people focus on tactics – the next investment idea, a new budgeting app, a different …
Many aspiring property investors run into the same issue: limited budget. That usually forces a choice between buying a larger home in a lower-quality location, or accepting a smaller dwelling, such as an apartment or villa unit, in a blue-chip suburb. First-time buyers confront this trade-off more than anyone because their financial capacity tends to be tighter. …
For most of my career, I have viewed listed property trusts and direct residential property as fundamentally different investments – not substitutes. But once interest rates fell below long-term averages after 2012, many advisers and investors began using REITs as a convenient income substitute: liquid, diversified, and yielding more than term deposits or bonds. That worked for a while, but the …
There’s more property data available to investors today than ever before, much of it free, and it can significantly improve investment decision making. Analysing how a property’s value has changed over time (i.e. its compound annual growth rate across multiple decades) and comparing it to comparable properties in close proximity, is an essential part of investment due diligence. However, it’s equally important not to become too data driven. …
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 …
I came across this chart on X recently, comparing house price growth with money supply over the past decade in the USA. The idea is: when there’s more money circulating in the economy, it can push property prices higher because housing stock is relatively fixed. In short, supply of houses simply can’t keep up with …
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 …
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