Property Investment, Success & Money | The Michael Yardney Podcast – Détails, épisodes et analyse

Today Ken Raiss and I are diving into a crucial topic for anyone looking to purchase property in Australia: choosing the right property ownership structure.

So whether you're a first-time investor, a seasoned buyer, or even planning a family purchase — this episode is for you.

We discuss various ownership options, including trusts and companies, and highlight common mistakes investors make.

The conversation emphasizes the need for professional advice to navigate these complexities and ensure long-term success in property investment.

Takeaways 

·         Understanding ownership structures is crucial for long-term wealth.

·         Time is a valuable asset; treat it wisely.

·         Tax efficiency can significantly impact investment returns.

·         Trusts can provide flexibility and protection for assets.

·         Common mistakes in trust management can lead to financial loss.

·         Company structures may offer benefits for high net worth individuals.

·         Self-managed super funds can be powerful tools for wealth building.

·         Professional advice is essential for tailored investment strategies.

·         Investors should prioritize their goals when choosing structures.

·         Beginner investors must set up their ownership structures correctly.

Chapters 

00:00 Understanding Ownership Structures

05:20 Common Ownership Structures Explained

09:05 The Role of Trusts in Wealth Building

12:27 Navigating Tax Implications and Asset Protection

16:10 Choosing the Right Structure for Your Needs

19:40 The Importance of Professional Advice

25:00 The Concept of Time Wealth

Links and Resources:

Michael Yardney

Get the team at Metropole Wealth Advisory create a Strategic Wealth plan for your needs Click here and have a chat with us 

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au 

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

If you’re interested in property you’ve probably noticed it’s a confusing time out there .

Interest rates are falling, but there are mixed messages about how many rate cuts we are going to get. Population growth is surging, but we’re not building enough homes.

The media is full of mixed messages, and many would-be investors are paralysed by uncertainty.

That’s why in today’s show, Brett Warren and I explain the nine biggest influences shaping our property markets in 2025 and beyond.

We discuss the real levers behind market movements, and we also reflect on what history tells us about these influences —and how savvy investors can position themselves ahead of the curve, while others sit on the sidelines.

So, whether you’re a seasoned investor or simply trying to make sense of this changing market, today’s discussion will provide you with clarity, confidence, and a distinct strategic advantage.

Takeaways 

·         There's a confusing time out there regarding property investment.

·         Understanding homeowner behavior is crucial for investors.

·         Current supply shortages are significant and growing.

·         Affordability issues are impacting many potential buyers.

·         Consumer confidence plays a vital role in market dynamics.

·         Strategic investment is essential in a changing market.

·         Increased buyer confidence is being observed in the market.

·         The lack of supply is creating a perfect storm for property values.

·         Interest rates and economic factors are influencing buyer behavior.

·         Investors should act early to capitalize on market opportunities.

Chapters 

00:00 The Illusion of Truth

01:38 Understanding the Current Property Market Dynamics

04:31 Demographic Shifts and Housing Demand

06:56 Supply Challenges in the Housing Market

09:43 The Impact of Interest Rates on Affordability

12:40 Government Policies and Their Effects

15:32 Consumer Confidence and Market Trends

18:12 Strategic Insights for Property Investors

Links and Resources:

Answer this week’s trivia question here- www.PropertyTrivia.com.au

·         Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time.

·         Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond.

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here 

Brett Warren - National Director of Property at Metropole

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

If you’ve ever felt like you’re playing a game of property monopoly in Australia, but someone else got to pass “Go” decades before you and now owns half the board, you’re not imagining it.

That “someone else”? It's the Baby Boomers. They’ve won the property game in Australia.

Not just because they got in early, but because the rules of the game have increasingly worked in their favour, at the expense of younger generations.

Today leading demographer Simon Kuestenmacher and I chat about whether the Baby Boomers really did have it easier or not, as well as how younger generations can catch up and build their own property wealth as well as how younger generations can catch up and build their own property wealth.

We also discuss the impact of debt, changing cultural expectations regarding home ownership, and the challenges faced by Generation X.

Takeaways 

·         Baby boomers have a significant advantage in property ownership.

·         Younger generations face higher debt levels than baby boomers.

·         Cultural expectations around home ownership have shifted dramatically.

·         The Bank of Mum and Dad plays a crucial role in helping younger buyers.

·         Rent vesting is becoming a popular strategy for young investors.

·         Generation X is squeezed between supporting their children and aging parents.

·         Policymakers need to consider strategies to make housing more affordable.

·         Long-term strategies and education are key for younger generations.

·         Every generation faces unique challenges based on their historical context.

·         Wealth transfer from baby boomers to younger generations is significant.

Chapters 

01:55 Introduction to Generational Wealth Dynamics

02:49 Wealth Distribution and Baby Boomers

06:35 Challenges for Younger Generations

12:31 Cultural Shifts and Housing Expectations

17:01 The Squeeze on Generation X

20:36 Emerging Trends: Rent Vesting

22:18 Policy Recommendations for Future Generations

Links and Resources:

Answer this week’s trivia question here- www.PropertyTrivia.com.au

·         Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time.

·         Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond

Michael Yardney  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Simon Kuestenmacher: Australia’s leading demographer and partner in the Demographics Group

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au 

Also, please subscribe to our other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

On today’s episode, I chat with Brett Warren about asking the right questions before buying that next property because doing that can make all the difference between a profitable venture and a costly mistake.

I’m sure you've heard me say before that property investment is a process, not an event, and the property that you're going to eventually buy should be the physical manifestation of a whole lot of decisions you make. So, in today's episode, we're going to explore the top 10 questions you've got to ask before making that next big purchase, and they're going to help you evaluate potential investments and understand market dynamics.

We're going to try and make sure that you set yourself up for long-term success.

So, by the end of this episode, you should have a comprehensive checklist to help you make informed and confident decisions in your property investment journey.

Essential Questions to Ask Before Your Next Property Purchase

●        Does this property fit into my long-term investment strategy?

o   Ensuring that the property aligns with your long-term financial goals and risk profile is essential for sustained success in property investment.

●        Have I created a comprehensive investment strategy?

o   A documented and proven strategy helps you make informed and confident decisions, reducing the likelihood of costly mistakes.

●        What is the true value of the property?

o   Understanding the property's value through recent comparable sales and intrinsic values helps set realistic market value thresholds and avoid overpaying.

●        What are the current market trends in the area?

o   Knowledge of market trends ensures that you are investing in an area with strong growth potential and avoids the pitfalls of investing based on outdated or unreliable data.

●        Have I secured pre-approval for finance?

o   Pre-approval provides clarity on your budget, strengthens your negotiating position, and ensures you can make a firm offer without finance contingencies.

●        Do I understand the local area and its growth potential?

o   Local expertise is crucial for making informed decisions and understanding factors that can affect the property's value and rental demand.

●        Is the property investment grade?

o   Not all properties are suitable for investment. Investment-grade properties offer strong capital appreciation, and steady cash flow, and are in high demand.

●        What is the cash flow and repayment capacity for this property?

o   Understanding cash flow and having a financial buffer is essential to handle unexpected expenses and ensure you can manage the property sustainably.

●        What ownership structure is best for this property?

o   Choosing the right ownership structure can optimize tax benefits and provide asset protection.

●        Have I conducted thorough due diligence on the property?

o   Assessing body corporate fees, potential structural issues, and other hidden costs helps avoid surprises and ensures the property is a sound investment.

●        Am I approaching this decision as an investor or am I emotionally involved?

o   Emotional decisions can lead to poor investments. Staying objective and focusing on the property's financial viability is crucial for long-term success.

Hopefully, after listening to this episode you’ve learned insights and tools you can use to enhance your investment journey and ultimately reach your financial goals. By asking these questions, you can make well-informed decisions that align with your investment goals and mitigate risks in your property investment journey.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us.

Brett Warren - National Director Metropole

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Some of our favourite quotes from the show:

“It’s not as simple as some of the people tell you on social media. You can't buy 10 properties in 10 minutes, but if you have the right strategy, you definitely can outperform the markets .” – Michael Yardney

“I've often said I don't think I've ever bought a bargain. By the way, in today's very informed market, if it looks like a bargain, be very wary .” – Michael Yardney

“Complaining is not for winners in life. You must focus on what you can do, not what you can't do. You must focus on opportunities, not on difficulties.” –  Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

Today we discuss a topic that many property investors across Australia are concerned about. Considering the rising cost of holding investment properties, is it still worthwhile to invest in real estate?

Joining me is Stuart Wemyss, a respected independent financial advisor, author, and founder of Pro Solution Private Clients, and together we're going to be exploring the reasons behind some of the escalating holding costs, the impact on investors, and whether property investment really continues to be a sound long-term strategy.

Stuart will also share his thoughts on how investors can mitigate some of these costs and what the future holds for our property markets. So, whether you're just starting out and not sure about all the negative news you're hearing, or you're a seasoned investor and just want some confidence to keep going, this episode's packed with valuable information you're not going to want to miss.

Links and Resources:

Michael Yardney

Stuart Wemyss – Prosolution Private Clients

Stuart’s Books – Rules of the Lending Game & Investopoly

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Shownotes plus more here: Rising Holding Costs: Is Property Investment Still Worth It? With Stuart Wemyss

Today’s episode will be a bit different than usual. Joining me today is Brett Warren, National Director of Metropole Properties, and we're dedicating this entire episode to answering your questions.

So, whether you're a seasoned investor or just starting on your property journey, stick around because we've got some great questions and even better answers coming up. Let's jump right in!

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Brett Warren - National Director Metropole

Shownotes plus more here: Investor insights: your property questions answered, with Brett Warren

In today’s show, Ken Raiss and I will discuss inheritance strategies to help make your children richer.

Whether you've already built substantial wealth or are just starting your financial journey, it's never too early or too late to start thinking about how to pass on your wealth to the next generation.

Today Ken shares his insights and expertise on estate planning, trust structures, and tax implications of inheritance.

We discuss the pros and cons of different strategies, including gifting, testamentary trusts, and family trusts, and explore how these can be tailored to your specific needs and circumstances.

So, whether you're a parent looking to provide for your children's future, or just curious about inheritance strategies and how they work, this episode is for you.

Estate Planning Essentials with Ken Raiss

I hope that by the end of this episode, you’ll gain a deeper understanding of how to craft a legacy that not only protects your assets but also prepares the next generation for financial success. Ken's expert insights provide valuable guidance for anyone looking to secure their family's financial future and ensure a smooth transfer of wealth.

We discuss:

●        Inheritance strategies for wealth transfer, focusing on estate planning, trust structures, and tax implications

●        Importance of creating a strong will and communicating effectively with family members to avoid contested wills

●        The benefits and flexibility offered by family security trusts, testamentary trusts, and charitable foundations

●        Strategies for financially educating family members to ensure they understand and respect the assets they will inherit

●        Complexities of blended families and how to safeguard assets for original children

●        Special disability trusts to protect and provide for children with disabilities

●        Business succession planning

o   Key agreements

o   Insurance considerations

●        Importance of involving children in financial responsibilities

●        Education trusts and their role in funding children’s schooling in a tax-effective manner

Links and Resources:

Ken Raiss, director Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Get Ken Raiss’ report: Your Guide to Understanding Ownership Structures & Trusts – just click here

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Get your bundle of E-books and resources  my gift for subscribing to this podcast   www.PodcastBonus.com.au

Some of our favorite quotes from the show:

“In essence, the owner of the assets doesn't change, it's the trust, it's just the people who control it, who have access to it, that change.” – Michael Yardney

“A testamentary trust can be set up during your lifetime. It forms part of your will, but it only comes into effect upon your death.” – Michael Yardney

“And here's a little-known secret to success that only a small number of employees have ever discovered: going that extra mile is an investment in themselves.” – Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

Welcome to another Big Picture episode of the Michael Yardney podcast, where I chat with leading financial commentator Pete Wargent.

Since our last chat, a lot's happened, including rising inflation causing embarrassment to the Reserve Bank, with some commentators now speculating interest rates will rise again.

As usual, there are clues in the news as to what's ahead for our economy and our housing markets and we discuss a raft of macro and microeconomic factors that should give you some clues as to what's ahead for our housing markets.

Housing Market Hurdles and Economic Trends in Australia

We discuss:

●        The May inflation figures and their potential impact on future interest rate hikes

●        How government spending, particularly federal and state budgets, is contributing to inflation

●        Rising living costs and electricity prices and their effects on spending habits across different demographics

●        Challenges faced by the Australian government's target to build 1.2 million homes by 2029

o   High cash rates

o   Reduced investor interest

o   Soaring construction costs

●        Comparing current construction trends to peak periods like 2017

●        The roles of foreign buyers in the market

●        Insights from Pete’s book, The Buy Right Approach to Property Investing Mastering the Skills to Invest Wisely in Properties.

This episode is packed with expert insights from Pete and practical tips, making it a must-listen for anyone interested in understanding and navigating the complexities of Australia's economic and housing market landscape.

Links and Resources:

Metropole’s Strategic Property Plan – to help both beginning and experienced investors

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Pete Wargent’s blog

Pete Wargent’s new book: The Buy Right Approach to Property Investing: Mastering the skills to Invest Wisely in Property

Some of our favorite quotes from the show:

“Well, the May housing approval figures came out and they shot up a little bit, but we're still nowhere near the sort of figures we're going to need to reach that target.” – Michael Yardney

“I guess what we're saying is that unemployment is going to rise a little bit. The Reserve Bank wants that, but that may slow inflationary pressures down a little bit. But there's still jobs out there if you're wanting them.” – Michael Yardney

“The message here is most of the critics actually sit on the sidelines. They're not in the arena, they don't try.” – Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

For years, the dream of homeownership has seemed increasingly out of reach for many. But what of those who can't even afford to rent Social Housing? Waiting lists are overflowing and the number of available dwellings just needs to catch up.

Today Nicola McDougall, chair of the Property Investment Professionals of Australia (PIPA) joins me and passionately advocates for a fair and more effective approach to social housing. You see, despite the government raking in billions of dollars from property taxes each year, our social housing stock has remained stagnant, and the number of people in desperate need of housing continues to rise.

Now, I'm not talking about affordable housing. We’ll explain the differences, but unfortunately, private investors are often being blamed for this crisis. That's not the case. Nicola will help unpack the reasons behind the housing shortfall, discuss some of the impacts of government policies, and we're going to explore what needs to be done to provide adequate housing for all Australians.

Understanding Social Housing and Private Investment in Australia

In today’s conversation with Nicola McDougall, we dive into the intricacies of Australia's social housing crisis and its impact on private investors. We discuss statistics, government policies, and strategic investment opportunities in a challenging market.

●        The differences between social housing (government-provided for the most vulnerable) and affordable housing (making renting and purchasing more accessible)

●        175,000 households on social housing waiting lists, stagnant social housing stock despite 33% population growth

●        Decline in social housing stock in New South Wales, Victoria, Queensland, and Western Australia

●        The role of private investors in providing rental housing

●        Critique of government policies, including ineffective housing initiatives and the financial burdens placed on private investors

o   Anti-investor legislation, such as increased property taxes and rental reforms, and their exacerbating effects on the housing crisis

●        Potential government incentives to encourage private investment in rental housing, including adjustments to capital gains tax

●        Challenges faced by highly leveraged property investors in a high-interest-rate environment

●        Opportunities in Melbourne's low vacancy rates and skyrocketing rents

●        Importance of portfolio diversification across different states and working with wealth strategists to outperform the market

●        Hidden taxes in the New South Wales budget, such as the shift of emergency service levies from insurance companies to property owners

Whether you're a seasoned property investor or you’re just concerned about Australia's housing future, this episode offers valuable perspectives and actionable advice.

Links and Resources:

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Get a bundle of eBooks and reports – www.PodcastBonus.com.au

Some of our favorite quotes from the show:

“Anyway, it’s the government’s job to help the disenfranchised people in Australia, and in general, it's not their fault, so this is not a judge of people.” -- Michael Yardney

“Clearly, the government has no idea what it costs to construct high-rise dwellings. And if they do offer discounted rents to essential workers, and I'm not against the idea, I'm just saying the numbers don't work – where's the profit going to come from?”-- Michael Yardney

“But here's the problem. Oftentimes, exploiting your own innate abilities requires an enormous investment of your time before the investment begins to pay dividends. And because the investment doesn't produce immediate rewards for many people, it ends up being a problem.”-- Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

Today, I look into an issue that's causing ripples across the Victorian rental market and beyond. It's the exodus of landlords.

Joining me today is Mike Mortlock, Managing Director of MCG Quantity Surveyors, who recently wrote a detailed report about this. Not surprisingly, the problem isn't just confined to Victoria.

In general, many property investors are getting nervous and they're selling up. I also plan to ask him about another issue that could blow up and isn't just confined to Victoria. That's the fact that many are underinsured.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Mike Mortlock – MCG Quantity Surveyors

Get a bundle of eBooks and reports = www.PodcastBonus.com.au

Shownotes plus more here: Property Investors are Fleeing the Melbourne Market, with Mike Mortlock