On the Fence

For many Australians the surest path to wealth has been to invest in bricks and mortar. But will it always be as safe as houses? A generation of investors is now heavily reliant on property to supplement their retirement plans, and our tax system is creaking under the weight of so many negative gearing investors. Over two million Australians own an investment property, with $20 billion handed to negative gearing property owners in tax breaks in the last five reported tax years.It's fuelling an obsession with property, but is it healthy? Host: Adam CreightonGuests: Nicki Hutley, Deloitte Access Economics & George Megalogenis  

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With immigration continuing at the rate of hundreds of thousands of people a year, are our major cities destined to become concrete jungles? Or should we be planning for population growth by revitalising our regional towns? To discuss the future of our housing is Bernard Salt, Australia’s best known and respected demographer, and Danni Hunter Victorian CEO of the Urban Development Institute of Australia.  

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There will be 5 million boomers in retirement by 2029, and 2 million will be at an age (between 75 and 84) where downsizing is a very real consideration. But where will all these downsizers go? There currently isn't sufficient stock of appropriate housing on offer and often the sheer enormity of packing up the large family home is resulting in many people leaving the decision until it's too late.In this episode of On The Fence, we talk to a downsizer and a psychological expert to address the emotional challenges of moving home, as well as financial planners and policy advocates to understand the wealth implications.Host: Adam CreightonGuestsGabrielle McDonnellMegan Soloman - General Manager – Practice, Quality and Innovation at Relationships Australia NSWIan Yates - CEO Council of the AgeingHeidi Schwegler - AHS Financial  

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With prices in major capital cities racing away again, rentvesting is now returning as an alternative for those struggling to afford high prices.In this episode we look at the property market through the eyes of some very savvy investors, one a property mogul and the other a share market whiz.If you took the emotion out of property and looked at it from a rational financial perspective, would you buy or rent and invest? Host: Adam Creighton, Economics Editor of The AustralianGuests: Margaret Lomas, Destiny FinancialSteve Johnson: Forager Funds Management  

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The major capital cities are seeing property prices shoot back up again thanks to interest rate cuts and an easing of lending buffers. With auction clearance rates back near all time highs, is the property downturn now well or truly over or will a new round of frenzied bidding result in more debt-fuelled instability.In this episode, Adam Creighton, economics editor of The Australian pits noted bear Martin North, who believes property prices could fall as much as 40% against Nerida Conisbee, chief economist of realestate.com.auHost: Adam CreightonGuests: Nerida Conisbee, chief economist of realestate.com.au; Martin North, principal, Digital Finance Analytics  

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According to research from Westpac the average age of a first homebuyer has increased in the last 20 years from 27 to 33, and despite the trope that Millennials want to be urban dwelling hipsters, only 20 per cent planned to buy in the inner city, with most opting for the suburbs or even house and land packages further out.We do know that the bank of mum and dad is significant. In 2017, a third of first home buyers intended to get help from family to fund a purchase, with 13 per cent planning to ask a parent to go guarantor.In this episode, Brendan Coates, household finances director from the Grattan Institute and child of the 80s, joins Peter Switzer, one of Australia’s most experienced finance commentators to explore whether Millennials are doing it all that tough, and what solutions exist to the challenges for first home buyers. From changes to tax and super policy, to the Manhattanisation of our major cities and the accompanying nimby-ism, this episode will grapple with either side of this heated debate.  

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On the Fence, a new property podcast from The Australian, coming soon.  

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