Shares and property can both play a role in a diversified wealth strategy, but they serve different purposes and carry different risks.
Shares and managed investments typically offer:
- Liquidity (easier access to funds)
- Diversification across industries and regions
- Lower transaction costs
Property may offer:
- Leverage opportunities
- Tangible asset ownership
- Rental income potential
The right mix depends on your goals, borrowing capacity, cash flow and risk tolerance. Often, the most effective approach is not choosing one over the other — but determining how they fit together within a broader financial plan.
Other FAQs
Not always. Some finance options allow you to borrow the full purchase price, while others may require a deposit depending on the lender, asset type and your financial position.
nsurance should generally be reviewed when: You take on new debt Your income increases You start a family Your employment situation changes You approach retirement Even without major life changes, [...]
No, if your financial situation changes after you have received pre-approval, your situation will need to be reassessed. This could be because you have changed jobs, had changes to your [...]
Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.
Insurance is not mandatory, but if your financial plan depends on your income or ability to provide for others, having appropriate protection can reduce financial vulnerability. The purpose of insurance [...]
In most cases, no. Lenders generally offer the same interest rates whether you apply directly or through a broker. Our role is to help you compare options, negotiate where appropriate, [...]
There is no fixed minimum amount required to begin investing. The right starting point depends on your financial position, cash flow, emergency savings and overall goals. Before investing, it’s generally [...]
SMSF commercial property loans are specialised lending products designed for eligible Self Managed Super Funds acquiring qualifying commercial property. Depending on the lender and structure, common features may include: Variable [...]
There are a number of fees and costs involved when buying a property. To help avoid any surprises, the list below sets out many of the usual costs: Stamp duty — This [...]
Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll [...]
Superannuation is generally preserved until you reach your preservation age and meet a condition of release, such as retirement. There are limited circumstances where early access may be permitted, including [...]
Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.
The earlier you begin retirement planning, the more options and flexibility you’re likely to have. Ideally, structured retirement planning should begin at least 5–10 years before you intend to retire. [...]
The tax treatment of premiums depends on the type of cover and how it is structured. For example: Income protection premiums are often tax deductible when held outside superannuation. Life, [...]
It’s natural to wonder whether markets are at the “right” level before investing. However, consistently trying to time market highs and lows is difficult — even for experienced investors. A [...]
