Left Out Of A Will, Want To Put It Right?

Where’s there’s a Will, there’s sometimes a Way – to upturn it. Karl Lagerfield died last month.  According to Le Figaro, his cat Choupette was to inherit a good bit of his estimated $300 million fortune.  She’s no retiring feline, this one, she has her own Instagram account.  Here is an image of Choupette with […]

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Inflation undershoots in Australia – why it’s a concern, is the RBA running out of ammo & what it means for investors?

Introduction Surprisingly weak Australian inflation has led to expectations the Reserve Bank will soon cut rates. But what’s driving low inflation? Is it really that bad? Why not just lower the inflation target? Will rate cuts help? And what does it mean for investors? Inflation surprises on the downside again Australian inflation as measured by […]

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ATO Doubles Rental Deduction Audits

In the 2017-18 financial year, more than 2.2 million Australians claimed over $47 billon in deductions and the Australian Taxation Office (ATO) thinks that is too much – one in ten is estimated to contain errors. The ATO expects that 4,500 audits of rental property deductions will be undertaken this year with the focus on […]

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A Labor Government on Tax & Super

We examine some of the pivotal policies from the ALP on tax, superannuation and business. Tax on investment property In general, taxpayers are able to deduct from their assessible income any expenses they incur generating or producing that income. An investment is negatively geared when the cost of owning the asset is more than the […]

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Going Up: Buying High Rise Strata Just Got Better, or Did It?

The Opal Tower failure in Homebush Bay has heightened fears about high rise residential building defects.  Only last year the combustible cladding drama resulted in new laws and from 22 February 2019 all residential apartment owners must have checked for external combustible cladding and if affected, registered with the NSW Government Now, post-Opal, the big […]

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Hybrid Securities

Hybrid securities may be issued by well-known companies, banks and insurers, but they are very different from other fixed interest investments.  Hybrid securities can expose you to ‘equity-like’ risks but only give you ‘bond-like’ returns. Some allow the issuer to exit the deal or suspend interest payments when they choose. Others may convert into ordinary […]

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Bonds

A Bonding Investment When you invest in bonds, you are effectively lending money to a government or company at an agreed interest rate for a set period of time. In return, the borrower promises to pay you interest at regular intervals and repay your loan at the end of the term. Bonds should be considered […]

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Three Positive Signs for Global Growth in 2019

The Australian property market has remained weak coming into 2019. Many investors in 2018, particularly at the end of the year, were worried the global economy was slowing and that it might slide into recession. The concerns contributed to the weakness in share markets at the end of the year, along with a bit of […]

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APRA to Remove Interest-Only Benchmark for Residential Mortgage Lending

The Australian Prudential Regulation Authority (APRA) has announced that it will remove its supervisory benchmark on interest-only residential mortgage lending by authorised deposit-taking institutions (ADIs). The benchmark was put in place as a temporary measure in March 2017, as part of a range of actions over recent years to reinforce sound lending practices. The introduction […]

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Beware of Short Term Rentals, Lettings and Property Investors

Short Term Lettings and Property Investors Short term lettings have been for some investors an absolute bonanza, returning well above average returns. However, short term rentals have been in a legal limbo since a NSW court decided that short term lettings were not lawful under local planning laws.   Do you remember the story (only […]

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