The Clever Investor Podcast

We’re unpacking a fundamental concept that impacts every mortgage holder, saver, and investor out there — the cash rate. The Reserve Bank of Australia, or as we say the RBA, uses the cash rate as a tool to implement monetary policy. The RBA Board meets to decide whether to change the cash rate target, that put very simply is the level they want the cash rate to sit at. We dust off the pages of on...

While most kids were busy kicking footballs, Stuart Wright was already diving into the world of real estate. Right after high school, he secured a job in property sales in his hometown of Sydney. Fast forward to today, at just 23 years old, Stuart owns two investment properties and has an incredible journey to share. His story proves that investing in property is within reach, even for young peopl...

Often depicted in movies as the pinnacle of the financial world and constantly popping up in our weekly news broadcasts, Wall Street is a symbol of financial power and influence, but what exactly is it?   Wall Street is more than just a street in Lower Manhattan, New York. It's the beating heart of the American financial system. This bustling epicentre is home to some of the world's largest financ...

The Allure of Buying an Old House for Investment I think we all understand that investing in real estate has always been an attractive option for those looking to secure their financial future. While many investors focus on buying new properties, there is a certain romantic charm and allure to buying an old house. Old houses often possess a unique character and history that can be appealing to bot...

With interest rates settling down, now is a great time to get onto the property ladder. Of course we still see property prices climbing and the average dwelling prices in all our major cities not dropping backward for some, buying with a significant other – be it a spouse, partner, family member or friend – may be the only successful way onto the property ladder. Purchasing a property with someone...

Imagine a time long ago when people needed money urgently and had to give up something valuable as collateral. This practice marked the beginnings of pawnbroking, a service that has evolved over centuries to become what we see today. Let's take a journey through history to understand how pawnbrokers have transformed into the modern services they are now. Pawnbroking has ancient roots, dating back...

I think that far to many individuals hesitate to invest for various reasons this weeks let's break down these concerns in to 6 simple parts. Understanding these reasons and learning to take some actionable steps to overcome them is crucial for anyone looking to achieve their financial goals. Whether it's dispelling myths about time constraints, gaining financial knowledge or addressing fears, ever...

Imagine the world of finance as a zoo, where two mighty creatures, the bull and the bear, reign supreme on Wall Street. The terms actually come from the way these animals attack their opponents. A bull thrusts its horns up into the air (a bull market goes up), while a bear swipes its paws downward (a bear market goes down). So, the names make sense when you think about how the market behaves durin...

In urban development, the symbiotic relationship between public transport and property values emerges as a central player. As cities grow denser and the demand for efficient mobility escalates, the impact of public transport on real estate prices has become a topic of burgeoning significance. Come with us as we take a deep dive into the multi-dimensional benefits of public transport for property v...

Ever wonder why despite warnings and cautionary tales, people still fall for financial scams? Imagine a world where everyone is honest and trustworthy. While that's a nice thought, the reality is that financial scams have been around for centuries, and they still manage to trap unsuspecting victims. Let's delve into the history of con artists and explore how modern technology has given a new boost...

People set New Year's resolutions as a way to reflect on the past year, identify areas for personal improvement, and set goals for the upcoming year. The transition to a new year symbolises a fresh start, providing a psychological reset and a sense of optimism. We know that setting resolutions allows us to define our aspirations, whether related to health, personal development, relationships, or o...

Lets get you ready for a great 2024 because life is all a bit too fast-paced at times and the idea of multitasking has been hailed as a coveted skill, almost a badge of efficiency. Yet, scientific research consistently tells a different story, humans simply cannot multitask. What we perceive as multitasking is in fact just task-switching. A rapid shifting of attention from one task to another. Und...

In preparation for that no-man’s land between Christmas day and New Years when you pleasantly forget what day it is and might just become a little bored. I walked around the Blue Wealth office and asked the team their favourite books. Each of these books offers unique insights and here's a concise summary for each book and why they're worth reading….and most of these are available as audio books....

Once upon a time in the sprawling city of Cashington, there lived a gentleman named Hugh Mann, an uneducated property investor whose ambitions rivalled the grandeur of the city itself. Hugh had risen from humble beginnings, he lacked formal investment training but he felt he always possessing a natural judgment for spotting profitable opportunities in the real estate market. On a bitterly cold Chr...

When first-time property buyers make mistakes, they are financial and strategic decisions. This week with the assistance of our special guest Diya Dhadda, Social Media Manager extraordinaire at Blue Wealth. Owun and Diya are going to navigate the daunting journey of the first-time property buyer. Diya recently put together a very successful education event aimed right at Gen Z that unravelled the...

Stuck in this predicament? Here is a super special show that was a Pop-up webinar event, so we are pushing past the normal bite-sized show and filling you with a massive amount of brilliant information. This will help you make an informed decision and answer all your “sell vs hold” questions!   With 13 interest rate increases in the last 18 months, a few clients had been in touch to chat about whe...

Have you got 30 minutes to spare during your lunch break or after work? With 13 interest rate increases in the last 18 months, a few clients have been in touch to chat about whether they should sell their investment property or continue to hold. In light of this, we're hosting a Pop-Up event where we'll answer your questions and give you all the information you need to make the right decision for...

In this world where currently live, convenience reigns supreme, the extreme ease of ordering takeaway food has become a go-to solution for many. While it satisfies cravings and offers a break from the thought of slaving away in your own kitchen, this seemingly harmless habit can leave a lingering and detrimental aftertaste on your financial health and any long-term investment plans. At first glanc...

Australia’s inflation, how prices for things go up, slowed down a lot in October. People didn't spend as much money, so it's less likely the Reserve Bank will increase interest rates, which affects how much it costs to borrow money. The cost of living, or the average prices for things, went up by 4.9% over the past year. That's slower than the 5.6% rise in September. The Australian Bureau of Stati...

In the world of sports and finance, the journey from being a high-level professional athlete to using the skills learned to create wealth is a fascinating paradigm.   The desire to win: Both paths require dedication, resilience and strategic thinking, but each offers distinct challenges and rewards. High-level professional athletes often measure success in terms of physical prowess, competitive ac...

Christmas is a time of joy and celebration, but for many it can also be a financial challenge if you're not well-prepared. To ensure your holiday season is filled with merriment rather than money worries, here are five financial tips to help you better prepare for an Aussie Christmas. Create a Christmas Budget: One of the most effective ways to prepare for Christmas is by determining a comprehensi...

Dictionary definition: lottery ~ noun a means of raising money by selling numbered tickets and giving prizes to the holders of numbers drawn at random. a situation whose success or outcome is governed by chance. Winning the jackpot in lotto might seem like a stroke of luck, but have you considered the post-lottery experience? You allegedly have a 1 in 77 million chance of winning over $1million on...

Superannuation was introduced to Australia in 1992 through the Superannuation Guarantee (SG) system. This landmark reform mandated that employers contribute a percentage of their employees' earnings to a dedicated retirement savings fund. Superannuation has since become a critical pillar of Australia's retirement income system, ensuring financial security for retirees. Australia’s superannuation s...

Over ten years ago, when SMSF property lending started, the highest loan you could get was $500,000. Back then, house prices were lower, and this type of lending was new. But now, SMSFs are the second biggest superannuation asset class in Australia. We got Strachan Taylor from Helia back on this weeks show, because Helia thinks that SMSF property lending has grown up and done well, so it's time to...

Just like a football team adjusts its game plan throughout the season to achieve victory, it's essential to understand the importance of changing your personal financial goals over time. Just as no two games are the same, the financial journey you embark on is influenced by many variables. In this article, we'll explore how your financial goals can be likened to a football team's game plan and why...