Home Loans in 2024: Trends, Tips, and How to Make the Most of Your Mortgage Navigating the 2024 home loan landscape requires a clear understanding of evolving trends and smart strategies. With interest rates stabilising yet remaining high and borrowing capacity influenced by strict serviceability requirements,...
Why Does a Consistent 1% Outperformance Matter? At first glance, earning 1% more than the market benchmark might not seem significant. But thanks to compounding, even small gains can add up to a big difference over time. What is Alpha, and Why Does It Matter? Alpha is the...
Why Buy and Hold Can Be a Lucrative Strategy: A Deep Dive into Property Ownership Costs in Australia The idea of buying and holding property is a well-regarded strategy, especially when considering the costs associated with frequent buying and selling. Whether for owner-occupiers or investors, the...
Dollar Cost Averaging Explained Understanding Dollar Cost Averaging: A Strategy for Long-Term Success Investing in the financial markets can often feel daunting, especially with the ever-present ups and downs. One of the most effective strategies to reduce risk over time, while still capturing market growth, is Dollar Cost...
9 Mistakes of Investing Key Points Many of the mistakes investors make are based on common sense rules of thumb that turn out to be wrong. As a result, it’s often wise for investors to turn common sense logic on its head. The easiest way to...
How to prepare for falling term deposit rates In recent years, cash has stood out among defensive assets, reclaiming its title as ‘King’ thanks to steep interest rate hikes by the Reserve Bank of Australia (RBA). Since the cash rate peaked at 4.35% in November 2023,...
Investing in REITs (Listed Property): A guide for Australian Investors What are Real Estate Investment Trusts (REITs)? REITs or real estate investment trusts, are listed securities that own, operate or finance income-producing real estate. This can include office towers, hotels, shopping centres and warehouses. As rates go...
What is Div. 293 Tax Div. 293 tax is an additional 15% tax that may apply to the concessional contributions (CCs) of higher income earners. Div. 293 tax is payable when your income and CCs, within their CC cap (known as ‘low tax contributions’), exceeds $250,000 in...