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According to Professor Asha Rao, while many individuals don’t consider their data “important” enough to feel vulnerable to cyber security threats, it’s precisely that attitude that is preyed upon by cyber criminals.

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The associate dean of mathematical sciences at RMIT University joins host Grace Ormsby on this episode of The nestegg Podcast to discuss the recent cyber attacks affecting the Australian government, the importance of remaining vigilant around cyber security, and the common scams that people should be wary of.

Professor Rao explains how automated technology makes cyber crime more profitable, why the pandemic has increased our exposure risk to such threats, and what to do if you think you’ve compromised your cyber security.

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

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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What’s next for Australia’s property market?

By Cameron Micallef

September 16 2019
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Invest

What’s next for Australia’s property market?

By Cameron Micallef
September 16 2019

A stabilisation following the biggest fall in the property market in the last 40 years has led experts to ponder: What could be next?

What’s next for Australia’s property market?

By Cameron Micallef

September 16 2019
Share

A stabilisation following the biggest fall in the property market in the last 40 years has led experts to ponder: What could be next?

Commenting on the property market, AMP’s chief economist, Dr Shane Oliver, has said that the current position of the property market lies in between what property optimists and doomsters are saying.

He outlined how property optimists believe that property will double every seven years, meaning if wages grow by 3.5 per cent, Australian housing will rise to around nine times that in seven years from now.

On the other end of the spectrum, property doomsters expect the market will crash.

Their predictions for a 40 per cent crash are based on a hugely overvalued and over-indebted market with massive mortgage stress.

But Dr Oliver is dismissive of their concerns, and said that they have been saying this for around 15 years now.

Where to now?

Australia’s two major capitals, Sydney and Melbourne, have recorded strong numbers since May, with 75 per cent auction clearance rates leading to 2 per cent gains in property prices.

Compared to past cycles, debt-to-income ratios are much higher, banking lending standards are tighter, the supply of units has surged with more to come and this has already pushed Sydney’s rental vacancy rates above normal levels, Dr Oliver has outlined.

With unemployment likely to drift up as the economy remains soft, Dr Oliver did note that AMP does not predict boom-time conditions to come to fruition, instead seeing constrained gains of around 5 per cent through 2020.

3 key things to watch, according to Dr Oliver

1. The spring selling season – if auction clearances remain elevated as listing pick up, then it will be a positive sign that the pick-up in the property market has legs.

2. Housing finance commitments – these have bounced back but will have to pick up a lot further to get 10–15 per cent price rises.

3. Unemployment – if it picks up significantly in response to slow economic growth, then it will be a big constraining factor for house prices.

Impact for investors

Over the long term, residential properties are still looking to provide similar returns to shares, at around 11 per cent per annum.

The pullback in prices in several cities in the last few years is providing opportunities for investors, but Dr Oliver has warned that people should bear in mind that rental yields remain low in Sydney and Melbourne, and should be wary of areas where numerous new units are up for grabs.

In the economist’s perspective, Perth, Brisbane and numerous regional areas are looking more attractive from a yield point of view as well as low vacancy rates and improving population growth.

Read more on Tips On How to Maximise Tax Benefits On A Property.

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg and Smart Property Investment. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leverage their insights to grow your portfolio.