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In this episode of the nestegg podcast, David Stratford has a chat with Aberdeen Standard Investments’ head of retirement and product strategy for Australia, Jason Nyilas to discuss all things retirement.

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Investors will learn the importance of financial advice in retirement, since the default pension options available don't always match up with personal expectations.

Jason also weighs in on whether the impending retirement income covenant goes far enough in supporting individual member needs.

Thanks, Jason, for sharing your insights with the nestegg podcast team!

You can keep up to date with what Jason is up to HERE.

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Sunday, 20 October 2019

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Property investors ‘shouldn't assume’ high returns will continue

By Lucy Dean · September 23 2017

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property investments, high returns, money

Property investors ‘shouldn't assume’ high returns will continue

By Lucy Dean · September 23 2017

Reading:

Home owners and investors have experienced a slight softening in their housing returns and should expect a “further moderating” of returns over the next few months.

Statistics from CoreLogic reveal that in the 12 months to August 2017, the total returns from housing were 13.2 per cent. That’s down from 14.2 per cent in the 12 months to July 2017.

Breaking it down, the returns for the housing asset class across the country were recorded at 13.5 per cent, and the return on units was 12.0 per cent. CoreLogic noted that as the return is calibrated to consider both value change and gross rental yield, houses tend to have “superior value growth performance” and units “superior rental returns”.

However, those returns, while softer, are still well above the 10-year average to August 2017. Over that period, the total returns for housing were 8.8 per cent with houses recording 8.9 per cent and units 8.5 per cent.

Head of research at CoreLogic, Cameron Kusher said: “The total returns data, particularly for the past decade, shows why housing investment has been so popular and hit record highs. Returns have been fairly consistent and less volatile than equities however; the ongoing strength and the evidence of a recent slowdown should give investors pause for thought.

“With mortgage rates starting to increase for investors, record-high levels of new housing supply and value growth slowing, housing investors shouldn’t assume that the types of returns seen over recent years will continue to be replicated going forward.”

The CoreLogic note added that the housing returns in capital cities have "generally been superior" to regional markets, with total returns over the past decade calculated to be 9.3 per cent. In the year to August, that figure was split between 14.0 per cent for houses and 12.3 per cent for units.

Mr Kusher said capital growth is "now appearing to have peaked" with rental yields at record lows.

"It is reasonable to expect a further moderating of total returns over the coming months. The other important thing to consider when looking at total returns is the calculation of the rental income.

"Although rents are increasing in many areas, the assumption in a gross rental yield calculation is that the property is occupied for 52 weeks of the year. In some parts of the country this is increasingly difficult to achieve and it can eat into the investment returns."