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. …
Not sure your super fund still stacks up? We update our best super fund report every year so you always have the current answer. Get the free report and the four-factor framework we use with clients. Download Here For most of my career, I have viewed listed property trusts and direct residential property as fundamentally different investments – not …
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 …
Repay your home loan or invest? You can do both. Debt recycling converts non-deductible home debt into tax-deductible investment debt, gradually and without extra borrowing. Get our free starter guide to see whether it suits you. Download Here Borrowing capacity is usually an investor’s scarcest resource. Because it’s limited, it should be allocated with great …
Property managers play a very important role in looking after your valuable investment and helping you maximise its cash flow. However, there’s a world of difference between a great property manager and a poor one – it’s like comparing night and day. Have realistic expectations Being a property manager is a tough job. They are …
I define a property spruiker is someone who promotes or recommends property investments that are unlikely to achieve adequate returns, primarily to serve their own financial interests rather than the investor’s. As with most things, the nuance matters. Most professionals in the property industry are paid a commission when a property is purchased, so there’s …
While it’s not typically required by law, most financial products such as ETFs and managed funds report historical investment returns over 1, 3, 5, and 10 years, as well as since inception. This data is incredibly useful, as it allows investors to assess performance over the short, medium, and long term – all of which …
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