Ask an Adviser: Stocks v Property - It's not which, but when | Chris Bates
Feb 24, 2025
auto_awesome
Chris Bates, co-founder of Alcove, is a mortgage expert guiding homeowners through the Australian property market. In this discussion, he emphasizes that timing is critical when deciding between investing in stocks or property. Chris shares insights on navigating property valuations, the impact of rising borrowing costs on buyer sentiment, and the advantages of diversification. He highlights the importance of professional advice for first-time buyers and explores the intricacies of commercial property investments.
The podcast emphasizes the importance of timing in the property market, noting increased buyer activity as interest rates stabilize.
Investing in shares early helps young individuals manage market volatility while providing opportunities to leverage equity for property investments.
Deep dives
Verizon's Promotional Offer
Verizon is currently offering an enticing promotion allowing customers to acquire four new 5G phones under lower monthly plans. This opportunity would enable users to enjoy advanced camera features, making it easier to capture high-quality selfies and ensuring extended battery life for conversations. It's a call to action for customers to visit Verizon stores and take advantage of the potential savings and upgraded technology. The promotion emphasizes the importance of taking the step towards enhanced mobile connectivity and user experience.
Importance of Product Availability for Facilities Managers
Facilities managers, particularly in university settings, heavily depend on operational equipment, like dishwashers, to maintain smooth cafeteria operations. When such critical devices fail, it can lead to significant disruptions and build-ups of dirty dishes. Grainger offers a solution by providing a wide range of industrial-grade products along with fast delivery services. This ensures that facilities managers can quickly address maintenance issues, minimizing downtime, and keeping the mess hall functional.
Current Trends in the Australian Property Market
The podcast discusses the evolving dynamics within the Australian property market, highlighting an uptick in buyer activity as interest rates begin to show signs of potential reductions. The current market is characterized by first-home buyers seeking stability and a way out of renting, although the upgrade market remains less active. Brokers play a crucial role in gauging market sentiments, particularly as more individuals approach them at the start of their buying journey. Attention is also drawn to the cyclical nature of property values, where increases in buyer demand can sometimes lead to accelerated price growth due to limited inventory.
Investment Strategies for Young Individuals
A significant point raised is the approach young individuals should take towards investments, particularly balancing properties and shares. It is suggested that investing in shares early can cultivate comfort with market volatility, which is crucial for long-term financial health. Young investors may also leverage their share investments to enter the property market, taking advantage of equity to maximize investment returns. The discussion emphasizes the importance of diversification and adapting investment strategies over time to align with personal circumstances and market conditions.
Chris Bates, cofounder of Alcove, is the mortgage broker that helped both of us getting into our homes.
Today on the podcast, we speak to Chris about everything happening in the property market, including the age old question: should I save for property or invest in stocks?
In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
—------
Equity Mates Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.