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536 | CGT Mistakes, Busting Mortgages & More: The Top 5 Property Questions on the Internet!

By in Podcast, Property Investment, Q&A

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Are apartments REALLY a good investment? 🏡💰 

Property vs Shares – which one builds wealth faster? 📈 

What are the smartest strategies to pay off your mortgage sooner? 💸

Folks, in today’s supercharged Q&A session, we’re answering: 

The top 5 property and finance questions on the internet!    

From the essentials you need to know about capital gains tax to understanding how banks assess your borrowing power, we’re covering the most searched (and often misunderstood!) topics in property, finance, and money management. 

Here’s what we cover…

✅ The hidden pros & cons of apartments vs houses

✅ The real battle between property & shares

✅ Mortgage hacks that actually work

✅ Capital Gains Tax explained – how to reduce it, and much more! 

Tune in now for expert insights, real strategies, and insider knowledge that could change your financial future! 

Free Stuff  

  • TEASER: New Exciting Features Coming to Moorr!
    Big things are happening in Moorr, our lifestyle finance app designed to help you manage your money, track surplus, and achieve your financial goals.

    Here’s what’s coming…

    • My Knowledge Section – We’re migrating all our rich insights, free reports, and courses into a new, improved knowledge hub. Soon, everything you need will be in one place!
    • Next Date Feature – A powerful new reminder tool that goes beyond bill tracking. Use it for your goal-setting, to-dos, and key financial dates to stay ahead.
    • Mobile Insights Upgrade – All the rich data from our web app will now be available on mobile, making it even easier to track and manage your finances on the go. Check it out now!
  • WAITLIST: Bryce’s 50th Charity Event
    Be part of Bryce’s special 50th charity celebration in Bali! In collaboration with the John Fawcett Foundation, this one-off event is designed to provide life-changing eye surgeries to those in need. Join the waitlist or donate today to support essential medical assistance.
  • COMING SOON: “How to Retire on $3k Per Week”
    Join the waitlist for your new playbook for passive property investing. Our third book is a complete accumulation of our life’s work and teachings. You’ll get a special discount code PLUS first access to all our bonuses. Sign up now!
  • Want to have your burning property questions answered instantly? Try our podcast companion!
    Our TPC Podcast Companion is your go-to tool for property, finance, and money management insights—available 24/7 on WhatsApp. Try it now! Opti QR Code

 

Timestamps  

  • 0:00 – CGT Mistakes, Busting Mortgages & More: The Top 5 Property Questions on the Internet! 
  • 1:09 – Entering our 11th year and how to have YOUR questions answered instantly 
  • 4:33 – Life-changing updates coming to Moorr…  
  • 6:38 – COMING SOON: “How to Retire on $3k Per Week” 
  • 8:35 – Mindset Minute: Time is the only currency you spend without knowing your balance… 
  • 8:51 – How to support Bryce’s life-changing charity event dedicated to giving eyesight back to those in need  
  • 10:27 – Q1) Are apartments a good investment? 
  • 11:40 – Unpacking history performance  
  • 14:53 – Our tiers for property investing 
  • 15:46 – When it DOES & DOESN’T make sense 
  • 17:36 – Final Verdict  
  • 20:04 – The pros and cons of investing in apartments 
  • 21:29 – Q2) Which is better: Investment Property vs. Shares
  • 23:29 – Ask yourself THESE questions before deciding 
  • 24:30 – Key considerations for investors 
  • 25:07 – $50G vs $12G return: The answer depends on 1 key factor…  
  • 28:27 – Why shares work for some!   
  • 29:29 – Final Verdict  
  • 30:10 – Q3) How to pay off your mortgage quickly? 
  • 30:23 – The key crux to slash years off your home loan!  
  • 32:14 – More practical strategies  
  • 32:38 – First-hand experience: How Ben paid down his first property 
  • 33:48 – Beware of THESE risks & misconceptions!  
  • 34:51 – Why putting money into your offset is the fastest strategy  
  • 37:25 – Your basic and advanced loan-smashing strategies  
  • 40:03 – Q4) What do you need to know about investment property & capital gains tax? 
  • 42:22 – How CGT is calculated  
  • 43:36 – Simple ways to reduce your tax bill 
  • 44:08 – Why tax planning is critical & how to consolidate your records  
  • 46:51 – Final CGT tips and professional advice  
  • 47:24 – Q5) How do lenders calculate serviceability? 
  • 47:38 – Serviceability EXPLAINED 
  • 50:19 – Why does it matter?  
  • 52:16 – What is APRA’s 3% buffer?  
  • 54:26 – What lenders really look at when calculating your serviceability 
  • 56:19 – Easy ways to improve your borrowing power 

And… 

 

521 | How NOT To Lose $1M: Win at Investing by Losing Less – Chat with John Addis

By in Podcast, Property Investment

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What does it really take to become a successful investor? Is it luck? Skill? Or something a little more surprising… like learning to love your mistakes? 😮  

In this week’s episode, we sit down with John Addis, founder of Intelligent Investor and author of How Not to Lose $1 Million: Win at Investing by Losing Less.  

With a fascination for investing and what makes a successful business tick, John specialises in turning complex financial concepts into easy-to-understand, impactful insights. 

Today, we’ll share John’s inspirational journey, from buying his first flat at 21 to founding one of Australia’s most respected financial magazines.  

Along the way, he’s made his fair share of investing missteps – including a $1.4M property mistake – and shares golden lessons that every investor can use to win more and lose less when investing.  

In this episode, you’ll hear:

👉 The biggest misconception about investing mistakes (and why we actually need to welcome them!)

👉 Why most people should NOT be managing their own money

👉 The surprising truth about valuation methods across stocks, property, and more

👉 Why success too early can be dangerous for your investing journey

👉 John’s simple 3-step thesis for long-term investing success

👉 How his leukemia diagnosis reshaped his perspective on money, family, and what really matters. 

For a sharp look into how humans can overcome the psychological barriers that make us terrible investors, listen in now!  

Free Stuff  

  • Ask Opti, your very own TPC podcast companion, ANY property question!
    Opti, your property AI, has been live for ONE week and has received some fantastic questions! Ask Opti your biggest property questions, and it will scour our entire catalogue – we’re talking all our courses, books and 500+ episodes – to find the answer to your questions instantly. To give it a spin, simply text click here to start the conversation on Whatsapp or scan this QR code: 

Opti QR Code

  • We’re on the hunt for a Chief Operating Officer!
    If you, or someone you know, who is passionate about financial services, loves putting people first and is fascinated by digital transformation and technology, then reach out to Ben on LinkedIn or find out more about the job here >>   

 

Timestamps  

  • 0:00 – How NOT To Lose $1M: Win at Investing by Losing Less – Chat with John Addis 
  • 1:22 – Opti, your own property AI is here!  
  • 3:52 – Bryce is donating his 50th birthday to cure blindness  
  • 5:49 – We’re on the hunt for our next Chief Operating Officer!   
  • 7:27 – Summer Series 2024/25 starts soon!  
  • 8:08 – Mindset Minute: What success in investing actually looks like  
  • 8:43 – Welcome, John Addis!  
  • 10:32 – The biggest misconception about investing mistakes  
  • 11:44 – Money Story: “Talking about money had a certain level of dirtiness”  
  • 13:32 – From coal miners to caravan trips in Devon  
  • 17:02 – Buying his first flat at 21 years of age?!  
  • 18:26 – Moving to Australia: Finding his feet and first jobs  
  • 21:33 – What it’s like running Intelligent Investor, one of Australia’s cornerstone financial magazines  
  • 23:44 – Doing the Math: Financial planners take more than HALF of your overall wealth
  • 26:25 – Golden lessons learnt from a $5 all-you-can-eat lunch special  
  • 29:12 – The $1.4M mistake John kicked himself over for YEARS  
  • 32:39 – How to overcome any investing mistake  
  • 35:06 – The biggest mistakes made in property & shares  
  • 37:43 – Why the pandemic was a golden opportunity for bargains  
  • 40:51 – John’s investing strategy: Macro vs. Counter Cyclical   
  • 43:05 – Why Flight Centre was a great investment!  
  • 44:51 – Most people should NOT be managing their own money   
  • 47:42 – Price falls: The difference between shops and shares  
  • 48:49 – Success too early is dangerous 
  • 50:10 – Valuation methods are the SAME across assets 
  • 53:55 – How did his leukemia diagnosis change his mindset and attitude toward money? 
  • 58:21 – How much money is enough? 
  • 1:00:50 – John Addis’ thesis for investing in just three steps  

And… 

  • 1:02:40 – Wow, so much wisdom in one episode!   
  • 1:06:16 – Lifehack: How to track a flight from a photograph of the flight numbers?!  
  • 1:08:26 – WMPN:  A new “super silly” homebuyer pitch from the Liberals… 

 

393 | The Top 3 Influences on Investing Success – Chat with Scott Phillips

By in Podcast

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Have you ever wondered what the BIGGEST influences are on an investor’s success?! 

Is it passion, personality, time, experience, learnt market timing or even luck?! Or are you just born with a “business brain”?!  

Well folks, our very special guest today can actually narrow an investor’s success down to just 3 things!!  

And if you’ve got that covered, well according to him…you’re basically going for gold!  

This awesome guest – Scott Phillips – is the Chief Investment Officer at the Motley Fool Australia (Tune in to 10:08 for a fun story on how he landed his first position there!) and runs the Motley Fool Share Advisor and Everlasting Income services. He is also a fellow podcast hoster, co-presenting one of Australia’s top business podcasts: the Motley Fool Podcast!!  

Today he’s dispelling so much timeless wisdom from how to tell if a business is “Investment-grade” to his golden rules for investing. 

He and Ben will also discuss the differences, pros and cons when investing in shares and property, and we’ll be peeling back the layers of his money story! 

So if you’re ready to learn the ultimate, simple wisdom that leads to investing success, press play now! 

 

 

p.s Make sure to tune into “What’s Making Property News” too. The NSW Greens Party are introducing some seriously radical changes to its Tenancy laws that will have negative effects on Rent Control, Evictions and Termination of Rental Agreements. This has the potential to implode the Residential Property market, hurting its tenants more and forcing more people to rely on Government assistance. 

If you own an investment property in NSW – we strongly urge you to contact your local member of parliament to express your concerns about the unintended consequence of this change.  

 To find your local member click here.  

 

Free Stuff Mentioned… 

 

Here’s some of the gold we cover… 

  • 0:42 – Ben’s joined the COVID Club 😮  
  • 3:55 – Check out PICA’s Webinar on Securing Finance in a Changing Economic Environment!  
  • 5:00 – “Success is a lousy teacher…”  
  • 6:47 – Meet Scott Phillips!  
  • 8:17 – The origins of the “Fool”   
  • 10:08 – How a Facebook article led Scott to become a Motley Fool! 
  • 13:35 – Scott’s backstory: From tobacco tin budgeting to the best advice for a high school student  
  • 17:26 – Why he won the “Ovarian Lottery” 
  • 20:11 – His firsthand experience with Spruikers… 
  • 23:04 – The first 2 investing mistakes Scott made (& the silver lining in it!)  
  • 25:11 – His journey to becoming an investing guru!  
  • 26:38 – Scott’s easy yet GOLDEN rules for investing  
  • 32:17 – It all boils down to B___ M____ and T____!  
  • 34:23 – How to get your kids in the market  
  • 35:55 – Shares & Property: Let’s compare the Numbers and Risks!  
  • 41:09 – The TOP 3 things that’ll maximise your investment returns  
  • 43:25 – A sneak peek into Scott’s property portfolio 
  • 46:07 – The Pros and Cons of Shares and Property 
  • 47:53 – The 5 reasons a business is “Investment-grade” 
  • 55:22 – The Best Advice for an Investor: Investing is about B___ not about… 
  • 57:27 – Why Scott KEPT investing in shares through COVID-19  
  • 1:03:45 – Is Crypto worth investing in?  

And… 

 

365 | Why Is investing So Confusing?

By in Podcast

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We don’t blame you if you find investing confusing… even Ben found it confusing when he started 30 years ago.

There are so many different asset classes to pick from, different procedures to follow, various biases to learn from and the worst of them all…

THE JARGON!

Short, Long, Dollar Cost Averaging, Coupon Rates, Day Trader and the list goes on.

 

So where would one even start?

 

Our answer is… This episode.

It’s back to the basics today folks and we’re not even focusing just on property! We’re covering most of the popular investments classes and procedures so think of this episode as… Investment 101.

Enjoy!

 

p.s. Does this episode sound familiar? Well, that’s because it’s a follow-up from Bryce’s Life Hack last week! 😉
(and if you didn’t know that make sure to tune in to Ep 364 – Will Property Price Keep Going Up! here. It’s a ripper!)

 

 

Free Stuff Mentioned

  • PICA’S WEBINAR on Estate Planning – To watch, you need to be a PICA Member (or become a member for $5)
  • 219 | How going from 30 properties to Bankruptcy shaped this riches to rags… and back again story! Chat with Julie Ann Cairns – Tune in Here
  • The Personal MBA by Josh Kaufman – Learn more here
  • The Cashflow Quadrant – Learn more here
  • RBA’s Address: Recent Trends in Inflation – Tune in to the speech here

  

Here’s some of the gold we cover…

  • 2:02 – PICA’s Upcoming Webinar on Estate Planning! Become a PICA Member here to join the webinar.
  • 2:54 – Psstt… Black Friday coming soon folks. Make sure you have your $5 ready! 😉
  • 3:51 – Mindset minute… What’s your status symbol?
  • 4:58 – WHY is investing so difficult?!
  • 7:38 – Ben’s early years as a clueless investor…
  • 9:08 – What are the underlying beliefs that you need to tackle head on first?
  • 10:30 – What is Bryce’s early mindset on the stock markets?
  • 12:24 – Risk is a M _ _ _ _ _ _ _ of K _ _ _ _ _ _ _ _
  • 13:14 – What’s the ONE absolute when it comes to wealth creation?
  • 15:11 – Understanding The Cash Flow Quadrant
  • 16:17 – Non-financial assets that you can (and should) invest on!!
  • 18:45 – How to Implement an MBA on Yourself?
  • 22:40 – What’s the real challenge for millennials when it comes to investment research?
  • 25:40 – Shares 101!!
  • 27:17 – Property will NEVER EVER deliver you THIS… but shares can.
  • 30:21 – What’s our overarching thesis and do you have one?
  • 38:04 – Other types of investment products that you should know about…
  • 39:26 – What are the Different Types of Investment Procedures? (Unpacking Jargon Alert here folks!)
  • 40:54 – When to go long and short in investments?
  • 48:37 – The 6 categories of Investors… Which one are you?
  • 51:47 – Do you recognise these biases?
  • 1:00:25 – Confused? That’s ok, it all comes down to this…

And…

  • 1:03:37 – Life Hack: See your brain through the eyes of a Super Computer!
  • 1:04:41 – Dr Philip Lowe’s Speech on Recent Inflation Trend
  • 1:06:27 – Property Market’s Supply Movement!!
  • 1:08:10 – This couple paid $75k deposit but didn’t end up with the property?! #UnAustralian

 

 

364 | Will Property Prices Keep Going Up? – Q&A on Off the Plan Properties, Future of Crypto, Career in Finance/Real Estate and more!

By in Podcast, Q&A

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Let’s face it…

If you’re looking to get into the market, you’d want to property market to slow down.
If you’re already in the market, you might be hoping for this trend to continue.

 

Whichever side of the coin you are in, you’d be asking the same questions…

When will this end…?

Will median price go up to $5M in the next 20 years?!

How is this even possible… what’s driving it??

 

Yup, we know it can be unbelievable so we will be tackling this head-on in our Q&A Episode today (It’s the 1st question in fact and Ben got quite heated up too)

That and also a few other things such as off the plans, crypto and property, why would you sell, formal qualifications for property professionals and heaps more!

It’s a Q&A Episode after all 😉

Enjoy!

P.s. Make sure to tune in to Ben’s ‘controversial’ market prediction at the end!

 

Q’s we answer further below 👇

 

 

Free Stuff Mentioned

  

The Questions We Answer

Question from Shannon about Will Properties Keep Going Up?

Hi guys, Firstly I have to say I’m a big fan of the podcast and your book, The Armchair Guide to Property Investing.

I have gotten a lot of value out of your podcast and feel like I am much more confident picking the right type of investment property and avoiding investment stock type properties.

I wanted to ask a question about your book.

You outlined some quite interesting case studies for different types of investors. I fit into the category of a rentvestor myself. I noticed the portfolio plan is made up of 3 properties and over a 40 year period the portfolio grows in size from around 1.2 million to 9 million over the 40 year period.

I was wondering if you can comment on why you think its safe or reasonable to assume that the property market will 8x over the next 40 years because that would suggest each property is worth nearly 3 million dollars which is something I struggle to think is reasonable to assume, given that property prices relative to income currently are at the highest ratios historically.

I can understand how property prices have grown to be so high given we have most households supported by two incomes instead of one and interest rates are at historic lows but I have doubts about whether this is sustainable to continue.

I wanted to get your advice on how things look over the next 20-30 years before I jump in and if you can comment on your reasoning for the above that would be appreciated!

Thanks for all the great content!

Recommended episodes for Shannon

 

 

Question from Coban about When will Off the Plan be considered ok?

Hi fellas great show.

Hey Bryce and Ben, I’m a new listener – currently at episode 100 so if you answer this ill hear about in in 2022! . I have read both your books and in the pervious 18 months my partner(21) and I(25) have implemented your Money smarts to secure an investment property, Small shares portfolio and plan for a wedding and putting my partner through university. I recommend 1 person a week listens to your podcasts as it has changed the way I look at financial freedom.

After 100 episodes, my question for you is simple. Is there a place within your go to strategies where an off the plan purchase would be considered? The reason I ask is because I see a lot of spite towards them (understandably in high/med density living) however I believe that they can provide needed cashflow boosts for short term prosperity. I will use my situation as an example.

I’m a sailor in the Royal Australian Navy and my partner is looking to study paramedicine starting next year, based in Sydney. We have a combined $2000 a month in surplus at the moment with a combined salary of $130k. We managed to leverage ourselves into a $515k off the plan townhouse in Nowra, NSW with an estimated growth of 5% and a rental yield of 5.3% with minimal savings and taking use of the FHOG and First Home Buyer Assistance Scheme (FHBAS). Admittedly we have structured ourselves to have a loan at 101% LVR  but buying an off the plan property allowed us to hold the property thanks to depreciation and the FHOG whilst my partner goes to uni with no income for the next 3 years (my income will remain $86,000 after tax).

We had to lose out on some land size to achieve this but noted that the property was in a great location with a high turnover in terms its demographic change (was previously government housing area- now sold off) I understand everyone is different and that is the beauty of financial planning and investment advising, but for people starting of in property, can off the plan properties outside of high/med density living provide a lower entry point to everyday people?

I’m very passionate about seeing people use their money to benefit their future rather then the present, so I’d also ask, do you have any entry level jobs going?!

I have been in the navy since 17 and we don’t get many qualifications, so what recommendations for study paths would you have for someone aspiring to help people reach their financial goals?

Additionally, in a defence force space we have a lot of spruiker who I notice take advantage of our benefits such as FHBAS, FHOG, The Defence Home Ownership Assistance Scheme (DHOAS), Home Purchase Assistance Scheme (HPAS) and Home Purchase or Sales Expenses Allowance (HPSEA) to put young defence members in house and land as well as high/med density living.  Maybe you could provide an episode for the 26,000 + active servicemen and women to discuss the pro’s and con’s of these structures?

Best of Luck to the Hawks in 2022 – the 4peat will return in 2022 under Sammy Mitchell!

Ohh and best of luck to you guys too. 

Recommended episodes for Coban

 

 

Question from Juan about Technology for Money & Property Management

Hi Ben,

I just came up with these questions.

I hope they can help you with your podcast:

  1. Is there any particular technology (app, website or any other) that can help us better track our money management?
  2. Is cryptocurrency change (or going to change) the way we may invest in properties? And if so, how?
  3. According to your experience, when is the best time (or age) to start thinking about property investment?

By the way, I just started listening to the exodus to the region’s episode and I really enjoyed the insights of Dr Nicola Powell.Keep up the good work.

Recommended episodes for Juan:

 

 

Question from Stephen about Why Sell?

With several investment properties returning healthy margins & interest rates being as low as they are … Incentives to hold out property sales for greater returns (given interest rates are not deemed to rise for another 12 months ).

General question is >>> Why sell now if asset capital is rising??

Recommended episodes for Stephen:

 

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