Finance advice

Teaching financial literacy to your kids

By Sasha Karen

Children are our future, so it’s important to teach them whatever you can to arm them for life, which according to one investor, includes about your investment portfolio.

For some investors like Simon Grant, having property investments is a way of supporting children financially in the future.

“I don’t know how my kids are ever going to be able to afford to live in Sydney and I want them to have that option if they can,” said Mr Grant.

“If I can do some things now, which down the line mean that they have got an opportunity to lean on me and say, ‘Hey dad, can we get a little bit of equity?’ or, ‘Can we help us kick-start something?’ Then that is where we want to go.”

Mr Grant says while the investment will help his kids in the future, he just does not want to simply hand it over to them, but to educate them first.

“They know that this investment pathway for us is not about just handing something over to them, it’s about making sure they understand why we are doing what we are doing,” Mr Grant said.

“They are only 10 and 12 so at this point in time there is a little bit more education they need to get.”

While Mr Grant’s kids do not see him as a property investor, they do know he has a portfolio that he plans to expand.

“They ask us… ‘Why did we do that?’, ‘Why did we purchase this?’ and ‘What are you doing with this house?” he said.

“We've always had a policy of just being upfront with them. I come from a generation where our parents said, ‘Pay your mortgage off and that’s it and don’t do anything else.’ You never spoke about finances.

“It wasn't discussed in the household around the kids. I don’t believe in that ethos.”

What Mr Grant does believe is children are getting smarter and they need to understand what occurs in the “real world,” but there is limits of what he will divulge, as he does not want to pile unneeded stress onto them.

“I don’t want them to be stressed about, ‘Oh gee, we can’t afford this,’” Mr Grant said.

“I want to give them a good life.”

Mr Grant has not taught his kids too much, but plans to teach them more as they get older.

“My oldest is in high school now so having some fiscal discussions with them, and they… earn their money,” he said.

Mr Grant is a strong believer in “tough love,” and will not just roll over and hand over money to his kids when they ask for it.

“My youngest is great at spending it all on lollies and he blew a whole lot of his birthday money recently and went, ‘Oh I’ve got no money to buy anything with because I have just spent it on sugar,’” Mr Grant recounted.

When asked by his youngest son if he could borrow some additional money, Mr Grant replied with, “You’re not getting any money. You had it, you've lost it”.

“It may be tough love but I think there is a time and a place to understand a bit. Each sort of chunk, each year they go through to give them a bit more understanding of what money means and how it can work for you and how it can work against you.”

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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!

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Sydney
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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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!

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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!

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A joint property portfolio before they were even living together

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