547 | Sell or Hold? Retirement, Rooming Houses & Real Regret-Free Decisions
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May 22, 2025
This installment tackles real estate dilemmas like whether to hold an underperforming property or start anew. Insightful advice flows on downsizing strategies for investors nearing retirement. The hosts dive into rooming houses—discussing high yields and potential pitfalls. They analyze financial decisions as retirement looms, stressing the importance of balancing property values with personal goals. Lastly, they explore the evolving rental market, including the impact of government policies and rising rental costs in Victoria.
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volunteer_activism ADVICE
Assess Goals and Uniqueness First
Clarify short, medium, and long-term goals before holding or selling a family investment property.
Assess uniqueness and supply risks of the property before banking on future growth like a new airport.
volunteer_activism ADVICE
Use Numbers Over Hope
Analyze your property's financials including growth projections and recycle costs before deciding to sell or hold.
Avoid buying into a hope strategy solely based on future infrastructure projects without current certainty.
insights INSIGHT
Behavioral Biases Stall Decisions
Sunk cost bias and loss aversion often prevent investors from acting on underperforming properties.
Recognize these behavioral biases to overcome hesitation and make better property decisions.
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What would you do if your investment property hadn’t moved in value in six years… but your gut said, “Just hang in there a bit longer”?
In this week’s Q&A episode, we’re answering four big listener questions — and unpacking some of the trickiest real-life property dilemmas out there today:
Here’s what we answer:
🔹 Sam is stuck with a unit in Penrith that’s underperformed for years. Should he sell and start fresh — or is it worth holding for Western Sydney’s future growth?
🔹 Scott is in his mid-50s with a $2M home, healthy super, and a positively geared investment property in Logan. He’s downsizing soon… but is his plan the right one?
🔹 Ethan, a past guest, just lost a property to demolition — and he’s now looking into rooming houses. High yield, low vacancy… but what’s the catch?
🔹 Viv owns four rooming houses returning 10%, but wants to know: Can she exit smoothly, or will semi-commercial status tie her hands in retirement?
Whether you’re navigating poor-performing properties or plotting your next big pivot — this one’s packed with practical, real-world advice. Listen now!
FREE STUFF MENTIONED:
FINAL WEEK: Give the gift of sight Next week, the team heads to Bali to visit the John Fawcett Foundation and see the impact your donations are making — restoring eyesight for those who need it most.
But there’s still time to be part of it! If you’ve been meaning to give but haven’t yet — this is your chance.
Every $25 donation funds a cataract surgery, and every surgery changes a life forever. 👉 Donate now!
The RBA has cut interest rates! Could this be the start of a new rate-cut cycle? Tune in to Ben’s LIVE cash rate announcement, where we cover this and deep dive into the local and global trends shaping Ben and Evan Lucas’ outlook. Listen now >>
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