How do you sell a property? What are the essential moves to make to ensure you get the best deal for your home or investment? The choices have multiplied in recent years: Should you auction? Should you have an ‘expression of interest’ campaign? Do you really need a ‘stylist’? In today’s show we cover; how to choose a real estate agent, how to choose a method of sale, preparing your property, and timing your sale. Jarrod McCabe of Wakelin Property Advisory joins Wealth Editor James Kirby for this...
Sep 12, 2023•32 min
Qantas is more than just an airline to Australians. But the way shareholders see the airline has diverged considerably from how customers do. That has now cost the airline its previously well-respected CEO, and seen the aviation business lodge plans to change its flight path. In today's show, we also cover; interest rates, what to make of industry funds’ shift to offering indexed investment options, Newcrest’s takeover and holding foreign stock, and what the tax difference is between industry fu...
Sep 07, 2023•41 min
Buying a property? What are the first steps? What are the pitfalls? It's never easy whether you are buying a first home or adding another asset to your investment portfolio: But there are some basics everyone should know... In today's show, we cover: How to select a property, why private sales are your best option, assessing real estate agent jargon, and the vexed issue of your dollar limit. Kitty Parker of the Kitty and Miles buyer's agency is wealth editor James Kirby's guest for this special ...
Sep 05, 2023•34 min
The expanded performance tests for super from the government set a new milestone in our investment market: Just about every investor in Australia has super savings and now we can see clearly if it is being managed well or not. Nearly one in ten funds failed: Is your fund one of them? In today's episode, we cover: how to make the best out of the super performance tests, using the my.gov website to see how your fund scored, stage three tax cuts and franked dividends, and investing for tax concessi...
Aug 31, 2023•23 min
Active property investors are very often the same people who steer clear of shares and managed funds. At the same time, many advisors are heavily committed to shares and funds with little expertise when it comes to direct property: What to do? In today's show, we cover: Financial advice for the property investor, the common mistake advisers make in property, investing in Australian property if you live overseas and offset account money and negative gearing Financial adviser James Gerrard of www....
Aug 29, 2023•30 min
Here's the puzzle: Should you depend on shares or cash for income? Well, your risky return from the ASX is represented by an average dividend yield of just over 4 percent. Meanwhile, with a cash term deposit, you can still get a 5 percent rate - government guaranteed - it just might be the deal of the decade, know it when you see it. In today's show, we cover: The last of the best of the term deposit deals? How to play thematic exchange-traded funds, shared equity home loans and when investment ...
Aug 24, 2023•33 min
As the residential property sector stabilizes, the banks have been playing some games in the lending market - if you are borrowing for a home or an investment you need to know what's going on. In today's episode, we cover: why interest-only borrowers are being punished, how can banks offer more than the RBA for deposits, why home loan borrowers are fixing again and the bias against retirees in the lending system. Steve Mickenbecker, chief commentator at Canstar, joins Wealth Editor James Kirby i...
Aug 22, 2023•37 min
The fashion for alternative unlisted investments is getting a reality check as investors can get a risk-free cash rate of more than four per cent. The biggest cloud over the sector, so far, is the redemption refusals popping up at major unlisted property funds. So what does it mean for investors? In today's episode, we cover: the big fat problem with unlisted assets, how to optimising super concessional contributions and the dreaded US withholding rate for Aussie investors. Tim Mackay of the Qua...
Aug 17, 2023•36 min
Tiny houses are popping up all over Australia yet the movement remains a mystery to many in the property sector. These hybrid mobile dwellings cost around the same as a deposit on an average house. No wonder they are popular among a broad range of investors from first home buyers to holidaymakers: So how does it all work and would it suit you? In today's episode, we cover: the pros, cons and legal limitations of a 'tiny house', running a tiny house as an investment, how to buy and sell your tiny...
Aug 15, 2023•27 min
Life insurance is a big expense and most smart investors save money by purchasing it through their super fund. But the track record of big super funds in getting around to sending through insurance payout is woeful. Worse still, big funds will often ignore your wishes on where they send the money. In today's show, we cover: insurance failings in big super funds, class action payouts, getting to know the Australian Financial Complaints Authority and the auditor problem in SMSFs. Fiona Halsey of H...
Aug 10, 2023•32 min
Residential property isn't the only sector with exceptionally tight vacancy rates. Industrial property - warehouses and factory units at the edge of every city - has become one of the hottest parts of the market. But why has it boomed, and how should everyday investors approach this investment area? In today's show, we cover: how online retail changed the shape of the property market, the reason industrial property is outperforming and how deep the problems in the office sector are. Charlie Buxt...
Aug 08, 2023•30 min
The excitement around AI has fuelled the 'magnificent seven' tech stocks on Wall Street and underpinned the 20 percent year-to-date return on Wall Street: But which Australian listed stock could be the champion for Australian Investors In today's show, we cover: the AI contenders on the ASX, will CSL recover? The best and worst of Exchange Traded Funds and gearing into shares. Rudi Filapek-Vandyck, editor of the research investment service FNArena.com joins Wealth Editor James Kirby in this epis...
Aug 03, 2023•38 min
Investing in retail shops or industrial warehousing is a different ball game than buying the house around the corner. Longer leases and higher yields make this area attractive, but it's a lot more work upfront. In today's show, we take a first-time look at this sector and cover: What is the minimum entry point for commercial property? The key concern with commercial tenants, where the bargains are in 2023, and the ideal investment vehicle for your first venture. Buyer's agent and founder of Revo...
Aug 01, 2023•34 min
It's been a better-than-expected year for the share market - especially on Wall Street. But where does it go from here? What is the one area of the global market set to catch up with the AI-driven 'magnificent seven' stocks that have underpinned the money made so far in 2023?In today's show, we cover: The global share market rebound, the dangers in chasing alternatives, why banks frown on share market portfolios as collateral, and inheritance tax in super. Will Hamilton of Hamilton Wealth Partne...
Jul 27, 2023•35 min
Perhaps you cannot afford a first property, but if you combined with a mate it might be possible. In today's podcast, a question from a 21-year-old listener who wants to buy in partnership with a friend gets the thumbs up. In fact, the government has recently moved to make it easier for mates to buy together by allowing 'joint' applications for the popular First Home Guarantee Scheme. In today's episode, we also cover: the most promising region for investors nationwide, what would a market with ...
Jul 25, 2023•35 min
Big super funds and high net worth investors are ever more keen on 'alternative investments' but are they for you? One of the nation's top female financial advisers certainly does not think so. In today's episode we cover: sticking with a financial plan through thick and thin, the fact that the very rich can risk a lot on alternatives - but can you? Why defined benefit pension funds are 'gold' and bonds versus term deposits. Sally Huynh of Shadforth Financial Group is Wealth Editor James Kirby's...
Jul 20, 2023•35 min
The reckoning for office property values has finally arrived in the Australian market, a long time after they first hit the US - where listed values are now rebounding. As the first reports of ‘limited redemptions’ at office-based unlisted property trusts hit the local sector, investors might reasonably expect this downturn in valuations will pass - indeed the funds might be catching up on formalising valuations that have dipped and are ready to recover. In today’s show, we cover: Freeze-frame -...
Jul 18, 2023•35 min
For a short while it looked like the leviathans of the Australian super industry were facing a new breed of challengers. Start-up youth-focused super funds such as Spaceship rattled the sector with ‘green’ style products, social media marketing, and clear support from a younger demographic. But the challengers have faded - they could not match the performance or services offered by big super. Will there ever be a successful super disruptor? How about a US$7 trillion non-profit global fund that’s...
Jul 13, 2023•42 min
You might have thought that the endless escalation of mortgage rates would finish the notion of a suburb where buying was cheaper than renting.Not so.There are at least 40 suburbs around the nation that are both cheap and offer strong prospects for the home owner or investor. Terry Ryder of the Hotspotting group is Wealth Editor, James Kirby's guest in this episode. Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/li...
Jul 11, 2023•38 min
This year was meant to be all about ‘value’ on the share market: Rising rates were expected to hose down the demand for tech-focused growth stocks and boring old value stocks were meant to shine. It didn't happen. ‘Because’, says top adviser Charlie Viola, ‘ the whole debate is rubbish, good companies make good investments that’s all there is to it, ‘ Sounds simple. Moreover, it sounds true. We cover: what happened to the long-promised return of value stocks? The need to take some money off the ...
Jul 06, 2023•38 min
The residential market in 2023 is most unusual - prices are rising while interest rates are increasing; Up to a third of buyers don't need a mortgage and...nobody wants to do any renovation work! The blow-out in building costs, supply difficulties and sluggish response times from some local councils have combined to create a market where the perfect property is perfectly ready to inhabit, But for those willing to take the plunge and renovate the rewards may be lucrative. Dean Berman of Berman Bu...
Jul 04, 2023•37 min
The new financial year begins on July 1 and a range of key 'caps' come into play. But the outstanding item of personal tax news is that you can have an extra $200,000 in super tax-free: Yes, if you are fortunate enough to be in the upper band of super investors then the amount you can have in super where the is no tax on earnings is moving up from $1.7m to $1.9m: Who said inflation is bad news for everyone. We cover why your super contributions are rising - whether you like it or not, the genero...
Jun 29, 2023•42 min
You might think higher rates keep buyers away from the property market but a remarkable 25 percent of purchasers buy outright - with no mortgage! It’s a remarkable statistic and offers an insight into a unique feature of today’s real estate market: Aging downsizers combined with freshly made fortunes from offshore underpin a considerable amount of the demand in the residential sector. Michael Matusik of Matusik Property Insight is Wealth Editor James Kitby’s guest in this week’s episode Submit y...
Jun 27, 2023•40 min
The excitement around artificial intelligence has propelled the US sharemarket this year. That’s why returns stateside are three times better than the ASX over recent months. So what’s going on with AI and what does it mean for you? We cover the investment opportunity of AI, whether this is going to be a dot.com boom, when to expect the first AI billionaires and how healthcare and financial advice will change. Dudley Nevill-Spencer of the London-based Live and Breathe group is Wealth Editor Jame...
Jun 23, 2023•37 min
The biggest factor ‘new’ factor in the property sector is the remarkable change we will see from the arrival of 400,000 people into a market population growth had been close to zero. But will the demand lift that comes from a population burst be enough to counter a consumer slowdown or even a full- blown recession? Tim Toohey, strategist and chief economist at Yarra Capital is Wealth Editor James Kirby’s guest in this episode. See omnystudio.com/listener for privacy information....
Jun 20, 2023•39 min
Leave the investment to me, darling! It’s still a refrain in household finances and letting one person handle all money matters is the single biggest mistake couple make, says author Jacqui Clarke. As an advisor to some of Australia’s wealthiest families, Clarke knows a thing or two about how individuals can lose when it comes to family fortunes: In today’s episode she spells out the life lessons everyone needs to know. We cover, how to manage household wealth in everyone’s interest, the attract...
Jun 15, 2023•36 min
They don't make it easy, but any investor can directly enter the property investment market using their super. In fact, any investor with a Self Managed Super Fund can borrow to buy investment property as part of a wider diversified portfolio. Gemma Dale, Director of SMSF and investor behaviour at NAB Trade is Wealth Editor, James Kirby's guest in this episode. Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listene...
Jun 13, 2023•41 min
In this week's show, we talk about whether the Australian share market is likely to finish the year in the black. We also discuss ways that investors can jump on the electric vehicle boom by investing in certain stocks and ETFs. And with interest rates rising for the 12th time in 14 months, is it time to take money out of super to pay down your home loan? We also look at the new 30 percent super tax above $3M, the devil is in the detail with an unexpected sting in the tail for those with large s...
Jun 08, 2023•39 min
What's the temperature in the market at the moment? How are the Saturday mornings for the buyers, sellers and even the auctioneers? With clearance rates lifting, are we being misled or is caution the smart money? Jarrod McCabe from Wakelin Property Advisory joins Wealth Editor James Kirby's guest in this episode. Submit your questions on all things property, business and finance here - [email protected] See omnystudio.com/listener for privacy information....
Jun 06, 2023•35 min
We're talking about how to tackle inflation as an active investor. We also deal with a question on discounted Listed Investment Companies which - believe it or not - leads us towards the Taylor Swift school of investing. It turns out Taylor takes tips from her ex-Merrill Lynch stockbroker dad, Scott - and she seeks out discounted closed-end mutual funds. The ASX version of this investment is discounted LICs - but are they for you? We also cover: Optimising your cash to tackle inflation, gearing ...
Jun 01, 2023•41 min
