Finance advice
Assets, property investments

Is property a better asset class than shares?

By Bianca Dabu

Many people looking to create wealth are often torn between investing in property or investing in shares because while both asset classes have the potential for bringing good returns, they also pose different types of risks for budding investors.

There are those who prefer property for being tangible—a physical representation of their money—as well as the belief that it is harder to lose everything as the physical asset remains on land. On the other hand, there are people who are more eager to build a share portfolio because of the higher level of accessibility of information about their investment’s worth and the relatively small amount of money they need to get started.

Property investment generates income through rental payments while shares pay dividends, but which of the two actually brings better yield for the investor in the long run?

A lot of people would argue that shares consistently outperform the rate of capital growth of properties throughout a 10- to 20-year period. However, the growth rate in property and shares come closer as the investment reaches its 20-year mark—proving that time in the market is a significant contributing factor for the growth of properties. Moreover, property investment carries more appeal in terms of long-term returns based on initial investment amounts.

“Home buyers typically take out a home loan to purchase property, while it is less common for investors to take out a loan to invest in shares. Therefore, if you have a $100,000 deposit towards a $500,000 property purchase, the return will be a percentage of the $500,000,” according to real estate director Brad O’Mara. “Meanwhile, the return on $100,000 in share investments will simply be a percentage of $100,000—meaning there is a much greater return on property over time.”

Risk management

Both investment ventures obviously come with a certain level of risk, but which asset class has proven to be easier to manage?

Property investors often argue that the value of a tangible asset is more stable because it is dependent on the factors surrounding the market—information that could be gauged based on existing economic and historical data. On the other hand, shares are only as lucrative as the company is successful, so if the company goes into liquidation, an investor will most likely lose everything. The value of shares also fluctuates regularly across different sectors, making it harder to predict.

While property investors borrow a huge amount to purchase their asset, paying the mortgage for an investment property is also usually handled well by rent payments. “If for example, you buy a $500,000 property with 20 per cent deposit, once the mortgage is paid off, you have a $500,000 asset from an investment of only $100,000—this is before capital growth,” Smart Property Investment’s Georgina Brown said.

Simply buying in the right area will almost always ensure the growth in value of a property as demand remains consistent—a strategy that does not really apply when investing in shares. Despite these good arguments for property, a budding investor must be careful with negatively geared properties and decisions based on tax policy, which could both derail one’s investment journey when failed to be done the right way.

At the end of the day, due diligence is important to determine which asset class fits your capabilities and limitations as an investor, and which of all your options would the best way to achieve your specific financial goals.

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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!

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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!

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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!

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AREAS MENTIONED: 

Hobart
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Perth
Brisbane
Shepparton
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Geelong
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Bendigo
Cairns
Ipswich
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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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