Next 6 months - How to Invest

What will be your primary new investment next 6 months?

  • More Properties (Australia)

    Votes: 49 40.5%
  • Share Market or Business (Australia)

    Votes: 15 12.4%
  • International Investment

    Votes: 4 3.3%
  • Pay down debt and reduce LVR / build cash-buffer

    Votes: 53 43.8%

  • Total voters
    121
  • Poll closed .
We've been thinking about this lately, as it is an interesting time with conflicting information out there and a lot of warnings about the property market or the economy.

I'm curious what others are thinking - property, shares, or cash & pay down debt.

We are building a cash buffer and access to more line of credit, but are hesitant to invest anywhere at the moment. However with a pay rise I may end up making another buy and hold investment to reduce tax in a few months, but shares or property I don't know.
 
I've hit my serviceability wall and only have a few hundred k to play with from my LOC, so the share market is the only choice I have.
 
I don't see the need to make any changes, continue to pay down debt/increase funds in offsets, salary sarifice into super, buy more shares on market dips and maybe purchase a couple more properties this year in Adelaide. Just no more loss making boxes or at least ones which will be positive cash flow fairly quickly by reno/increasing rent or by just paying down debt.
I am not hesitant at all as I'm not looking in Sydney presently, I would like to but I'll wait for a period of maximum pessimism whenever that may be In the future
 
I'd be tempted to have yet another look at international property. Stamp and LMI is insane. I'm more conservative and prefer not to pull out equity so it takes me forever to save a deposit for something half decent.
 
im a mixture of sharemarket/pay down debt.

Goals:

1 - Currently have around $15k of non-ded debt to be repaid
2 - Building up share portfolio thru margin lending
3 - increasing LOC against three property

1 - wife and my salary, portion is sent to 0% interest rate credit card each pay
2 - using margin loan to build up equities. Just purchased around $15k over 3 x stocks in the last week, will continue to do so
3 - since acquiring our 3rd and most recent investment property, have just been every 6 months reval each property and increase the LOC. Just did this cycle and will have $230k in LOC which is currently undrawn to be utilised in the future possibly 5 years to buy more property.

1 - this goal to finish in 2-4 months
2 - will be a continuing book build
3 - as long as the market keeps rising, we will keep on re-valuating and converting equity into LOC at call
 
We've been thinking about this lately, as it is an interesting time with conflicting information out there and a lot of warnings about the property market or the economy.

I'm curious what others are thinking - property, shares, or cash & pay down debt.
.
Just waiting for the numbers too line up,have not sold any property in a long time,but with the ASX I did sell a small amount of Banking equities
a short time ago,those same units are now down over 17% ,and still trending downwards,so just waiting ..
 
Buying opportunities
China tier-1 city properties. High-yielding blue chip resources stocks. Oil. Pay down some debt, but keep powder dry in case a good opportunity comes up (irrespective of how hot the market is, except for Sydney which is probably stay away for the moment).

Selling opportunities
Tier 2 properties certainly in Syd and maybe in Melb, bank shares, all Chinese and Hong Kong shares, all USA shares, AUD

As I always say, there are opportunities scattered all over the world. But as a property tycoon once told me, you run out of money before you run out of ideas.
 
Good question watto

was going to buy 1 or 2 more properties .....but lending changes might stop that. I hate the concept of bracket creep so wanted to buy a few with some depreciation to negate it.

Will just continue with my 10 year share plan (to get to 30k divs year with reinvestment and small capital injections), and build up cash buffer
 
Pay down debt and build businesses.
Nothing else appeals at the moment, but will have some nice cash reserves for the next play, whenever that may be.
 
Good question watto

was going to buy 1 or 2 more properties .....but lending changes might stop that. I hate the concept of bracket creep so wanted to buy a few with some depreciation to negate it.

Will just continue with my 10 year share plan (to get to 30k divs year with reinvestment and small capital injections), and build up cash buffer
Sounds good mate, I am thinking of starting a similar 10year share accumulation for diversification reasons.

When property stops growing, can still get some growth from shares. Evens things out over time.

Will try and get a bit of equity out to invest, if my serviceability passes!
 
Acquiring more properties and creating a positive cashflow from my portfolio in the process.

Also working on other passive and active income streams.
Other income streams sound good.

I'm looking at some possible side business ideas, not immediately profitable but I'm hoping to learn enough to eventually replace my day job.
 
Got my property for the year now it's time to work on business and doubling my income within 3 months. I set the same goal last year and did it so looking to do the same whilst also adding a passive income stream through business as i'm self employed. After that hopefully will have enough cash to get married and buy a couple properties next year.
 
For me, I too am at serviceability walls. Mainly, stashing savings into the offsets, whynot.

Considering some small investments into some specific share categories/verticals, and possibly precious metals (gold, silver etc.)

As for ppor.. Sure I'd like to buy one and although I'm born and bred sydneysider (never lived anywhere else long term), and though my family/friends live here.. I'm questioning if I really want to stay here too much longer... And its actually not all to do with unaffordable housing! Its other things... I don't think I like what this city is turning into, culturally. But that is a whole other topic and I digress.

My ppor for tax purposes is still here in sydney, maybe a reno between tenants just long enough to get some bills back in my name, to by myself 6 more years on the 6-year tax rule.

Any way, until I have time for more economics DD, its all about making the offset account fatter than Santa Claus' belly.
 
I've hit my serviceability wall and only have a few hundred k to play with from my LOC, so the share market is the only choice I have.
For those experiencing DSR issues or about to be, remember, property investing is not about property. Its about finance and always looking to place one self in a position to continue accessing funds for future investment/business and/or pleasure. Otherwise you paint yourself into a corner and have to sit and wait for it dry before moving on.
 
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