Finance advice
Peter Gianoli

A diverse property portfolio spreads your financial risk

By Peter Gianoli

Diversifying your property portfolio is an excellent way to reduce your exposure to financial risk and protect your assets.

Blogger: Peter Gianoli, general manager, Investor Assist

Diversification is about spreading risk so poor performance within part of your portfolio can be offset by good performance in other assets. However, true diversification within a property portfolio can take time to achieve.

Many investors are comfortable investing within a certain category of property or in a certain location. The challenge to successful diversification in property is to find value across different locations, building types and, where appropriate, cash-flow qualities. By doing this, you can optimise capital growth and rental yield potential, while reducing overall portfolio volatility.

When diversifying by location, land value assessment is paramount. Land value is driven by scarcity, proximity to infrastructure and amenities, lifestyle attractions such as the beach and convenience to transport options. Seeking good combinations of these factors will go a long way to helping find good investment value.

Property types also need to be considered. Houses are a sound investment and newer homes are popular among tenants plus they have the advantage of being lower maintenance for investors. They also receive the maximum depreciation allowance from the Australian Taxation Office. Although older homes pose a greater liability, there are some which maintain a premium on price if they are well maintained, such as quality art deco or federation homes.

Apartments in certain suburbs can also offer unique yield and capital growth opportunities. There is a genuine underlying demand for quality apartments in convenient or popular locations, which are close to public transport.

Some experts believe diversification should include a mix of positive or neutral cash flow properties, as well as negatively geared properties. This approach provides additional diversification to your rental yield.

The ability to acquire a neutrally or positively geared property in your portfolio will assist you with your loan payments and reduce the sole reliance on capital growth to produce long-term returns. This can be beneficial in times of low or negative capital growth, when you will also be able to take advantage of rental yields that typically rise in this environment.

However, properties with high rental yields often deliver lower capital growth.

A better approach would be to focus on properties which represent good overall value and are diversified by location and building type. Naturally, if you are in need of ongoing cash flow, you may lean toward a property that can deliver the rental yield. But this decision should be made within the bounds of good value and sound diversification.

More stories: 

APRA crackdown 'ineffectual' 

Investors head south 

8 steps to successful property investment 

Market reacts to lending changes 

Housing supply in decline 

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About the Blogger

Peter Gianoli

Peter Gianoli

Peter Gianoli joined ABN Group in 2011 to establish Investor Assist. Peter has more than 15 years of experience in the property industry working across some of the country’s premier development projects and throughout his career has overseen the sale and settlement of properties worth in excess of $1bn.  Peter is also a highly sought after public speaker and has educated audiences throughout Australia and around the world on topics including property marketing and investment.

FROM THE WEB

podcast

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

RELATED AREAS OF INTEREST:

Hobart
Bondi
Deception Bay

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting

 

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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

The investment strategies that actually work
The property investment process, simplified
A spiralling market, or just media spin?

AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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