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On this episode of The nestegg Podcast, host Maja Garaca Djurdjevic and three experts discuss whether owner-occupiers should withdraw from the property market, the effects of Tuesday blues on the ASX, upcoming super changes and more.

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Steve Waters, director of Right Property Group, chats about current property price movements and whether owner-occupiers are being priced out of the market.

RMIT’s senior lecturer of finance, Dr Angel Zhong, delves into the Tuesday blues effect and the implications for Aussie investors.

And lastly, tax and super guru Timothy Munro talks about upcoming super changes and shares his handy checklist ahead of tax time.

Have a question for our experts? Get in touch at [email protected] and you might get featured on the next episode.

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Are you being priced out of the market? Have you got the Tuesday blues? And are ...

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Shifting economic climate a risk for property investors

By Sasha Karen

September 15 2017
Share

Invest

Shifting economic climate a risk for property investors

By Sasha Karen
September 15 2017

Changes in the country’s economic climate could present property investors with a crisis if they don’t prepare themselves, according to an accountant.

Economics, property investing, Australian property, retirement savings, retirement planning, wealth management

Shifting economic climate a risk for property investors

By Sasha Karen

September 15 2017
Share

Changes in the country’s economic climate could present property investors with a crisis if they don’t prepare themselves, according to an accountant.

Michael Hutton, head of wealth management at HLB Mann Judd Sydney, said the changing economic climate could disrupt investors who are unwilling to adapt to new and potentially unknown changes.

“Property investors who have made their investment decisions on conditions that have prevailed in recent years could well find they are financially overstretched if the residential property environment changes in the way economists are predicting,” Mr Hutton said.

“Geared investors should always have a medium-term cash flow plan that covers likely events, as well as unforeseen circumstances, such as tax changes like those announced in this year’s federal budget.

“For instance, what happens to their ability to service debt if interest rates rise? What happens if a property remains untenanted for an extended period? How will the changes to the depreciation rules affect cash flow?”

For those with heavily geared properties, Mr Hutton recommended investors should have multiple cash flow options to mitigate any changed circumstances.

“History tells us that the story of property crashes, large and small, is always much the same. It’s not a reduction in value of property or a downturn of property sales or construction that causes investors to lose assets. These are simply influences or by-products,” he said.

“The reason people lose their property portfolio is usually an inability to service debt, resulting in them losing control of their properties.

“Investors who can hang on in the rough times almost always come out smiling when conditions bounce back again.”

In order to survive those rough times, Mr Hutton said investors need to know the difference between cash flow (the net amount of cash flowing in and out), paper wealth (total wealth with a monetary value) and expected income (the estimated amount of income received).

“For many residential property investors, understanding cash flow and making sure that debt can be serviced throughout any property downturn and interest rate increases, is likely to be the difference between financial success and failure over the longer term,” Mr Hutton said.

“The current outlook also suggests it is not the time for investors to be overstretching themselves.”

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