Property Investment, Success & Money | The Michael Yardney Podcast

Welcome to another episode of the Michael Yardney Podcast. Now let me ask you… have you felt like the sky is falling lately? Between confusion about interest rates, scary headlines, rollercoaster stock prices and continued uncertainty in the property markets, it’s no wonder so many investors are feeling rattled right now. But here’s the thing—this kind of volatility isn’t new. It’s just loud. And if you listen too closely to the noise, it can shake your confidence, cloud your judgment, and lead you to make the wrong move at the wrong time. So today, I’ve got something a little different for you—a real heavyweight conversation. I’m bringing together two very different investing worlds—property and shares—and joining me is the brilliant Louise Bedford. She’s a bestselling author, a trading mentor, and one of Australia’s most respected voices in the share trading space. Louise and I are going to dive deep into the psychology of investing—what really happens in our minds when the markets get messy, why fear and greed are such powerful forces, and how to stay calm, confident, and profitable even when it feels like everything is working against you. This isn’t just another chat about what the market’s doing. It’s about what you should be doing—and more importantly, thinking—when things feel out of control.   Takeaways • Market volatility is not new; it's just more pronounced now. • Investors often react emotionally during downturns, leading to poor decisions. • Long-term investors see market dips as opportunities. • A solid investment strategy is crucial for success. • Grounding techniques can help manage emotional responses. • Recognizing personal triggers is key to maintaining control. • Diversifying information sources can combat confirmation bias. • Staying calm during market panic is essential for making rational decisions. • Building resilience is vital for navigating investment challenges. • Life is about constant change; our attitudes shape our outcomes.   Chapters 00:00 Navigating Market Volatility 01:03 The Psychology of Investing 02:13 Navigating Market Volatility 05:10 Understanding Investor Psychology 08:19 Identifying Opportunities in Uncertain Times 11:17 The Importance of Long-Term Thinking 14:19 Strategies to Combat Fear and Noise 16:59 Grounding Techniques for Traders 20:10 Staying Calm Amidst Market Chaos 23:20 Recognizing Personal Triggers 26:13 The 5-4-3-2-1 Grounding Technique 29:13 Embracing Your Inner Investor 32:02 Final Thoughts and Actionable Steps 39:03 The Power of Attitude and Change   Links and Resources: Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  We help both beginning and experienced investors   Louise Bedford - The Trading Game   Louise’s new book Investing Psychology Secrets   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

After all these years in property, I’m still surprised at how some investors decide which property to buy, however it doesn’t really surprise me why so many don’t get past their first or second property. You see… many buy for emotional reasons, and while others think they’re investing in property, for some, they’re really speculating.  In today’s show episode, I discuss common mistakes in property investment with Brett Warren, focusing on the dangers of hot-spotting.   We emphasise the importance of long-term strategies, economic fundamentals, and the need for a solid investment plan. Our conversation highlights the risks of following trends and the necessity of understanding market dynamics to build a sustainable property portfolio.   Takeaways  Investing in hotspots is often a form of speculation. Long-term strategies are essential for successful property investment. Economic fundamentals drive property value growth. Owner-occupiers play a crucial role in the property market. Avoid following the crowd; focus on informed decisions. A solid investment plan is necessary for long-term success. Understanding market dynamics is key to navigating risks. Investing should be based on facts, not opinions. The media often overlooks critical insights about property investing.   Chapters  00:00 Understanding Property Investment vs. Speculation 04:26 The Risks of Hotspotting in Real Estate 06:54 Long-Term Strategies for Successful Investing 09:42 The Importance of Economic Fundamentals 12:23 Demographics and Their Impact on Property Markets 15:26 Navigating the Property Investment Landscape 18:02 Avoiding Common Pitfalls in Property Investment 20:37 Creating a Sustainable Investment Plan 23:31 The Role of Owner-Occupiers in Market Stability 26:13 Looking Ahead: Media Influence on Property Decisions 26:19 Navigating the Changing Property Market 28:05 Investment Strategies for Long-Term Growth 28:29 Understanding the Spotlight Effect 31:04 Consequences of the Spotlight Effect   Links and Resources: Michael Yardney Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Brett Warren - National Director of Property at Metropole Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  

In today’s podcast, Stuart Wemyss and I discuss the complexities of managing underperforming property investments, and how to decide when and if you should sell your property .  We explore everything from the emotional traps that can cloud our judgment to strategic considerations like tax implications and portfolio rebalancing.  Takeaways  Investing is a long-term journey, often taking decades to develop financial independence.  The quality of your asset is crucial for long-term returns.  Benchmarking performance relative to market conditions is essential.  Market cycles can significantly affect property values.  Recognising a poor investment is a brave but necessary step   Emotional decisions can cloud your judgment  Patience is key; sometimes waiting is the best strategy.  Tax implications should be considered when selling assets.  Holistic financial advice can optimise investment strategies.  Replacement assets can provide a strategic way to manage underperforming investments.  If you find yourself digging a hole, stop.  Sometimes the right thing to do is nothing.  Chapters  01:06 Understanding Underperforming Investments  10:42 The Importance of Patience in Investing  20:19 Evaluating Investment Decisions and Timing  28:09 Holistic Investment Strategies and Seeking Advice  28:14 Introduction to Wealth Retreat 2025  29:44 The Importance of Quick Decision Making in Property Investment  31:26 The Long Journey to Wealth  32:51 Building a Legacy of Wealth  33:38 Understanding Market Trends and Analysis    Links and Resources:       Michael Yardney  Stuart Wemyss – Prosolution Private Clients     Stuart’s Book – Rules of the Lending Game & Investopoly     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us     Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au      Get a bundle of free reports and eBooks – www.PodcastBonus.com.au      Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. 

There’s an old Chinese saying “I wish that you live in interesting times.” The irony of this is that “interesting times” are often times of trouble or turmoil, making the phrase more like a curse and boy are we living in interesting times at the moment with Trumps Tariffs creating fear around the world.  It reminds me of the early days of covert when people were uncertain what was ahead. In this “Big Picture” episode of the Michael Yardney Podcast, Pete Wargent and I discuss the current economic climate and its impact on the property markets. making in property investment.   Takeaways    The current economic climate is volatile and affects property investment. Interest rates are expected to drop and this will positively impacting the housing market. Government policies are influencing housing affordability and supply and will only push prices higher. Household wealth in Australia has reached unprecedented levels, but disparities exist. The gap between the haves and have nots is widening in Australia. Foreign investment plays a crucial role in the housing market. Cybersecurity is increasingly important for financial safety. Understanding market dynamics can help investors make informed decisions. Investors should remain calm and not react to daily headlines.   Chapters  00:00 Navigating Market Chaos 04:12 Interest Rates and Economic Impacts 07:09 Household Wealth and Economic Disparities 09:59 Housing Market Dynamics 12:35 Government Policies and Housing Supply 15:37 The Role of Foreign Investment 18:11 Cybersecurity and Financial Safety 20:58 Education and Property Investment Strategies 31:43 Navigating Interesting Times 36:01 Introduction to Real Estate Investment 36:02 Understanding Market Trends   Links and Resources: Metropole’s Strategic Property Plan – to help both beginning and experienced investors Get a bundle of free reports and eBooks – www.PodcastBonus.com.au  Pete Wargent’s blog Pete Wargent’s new book, The Buy Right Approach to Property Investing Pete’s other book – The New Wealth Way Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In this episode of the Michael Yardney podcast, I discuss the current state of the housing market with Dr. Nicola Powell, Chief of Research and Economics. We explore the impact of federal elections on housing predictions, the effects of political uncertainty, and the concept of Solomon's Paradox in decision-making.  Our conversation also delves into the differences in housing policies between political parties, the ongoing supply and demand issues in the market, and the opportunities available in established properties. The episode concludes with insights on market trends and the importance of making property decisions based on personal circumstances rather than external noise.  Takeaways: The housing market is influenced by federal elections. Rate cuts can improve buyer sentiment and inquiry. Solomon's Paradox highlights our decision-making flaws. Political uncertainty can delay property transactions. Auction outcomes can be surprisingly positive on election days. Labour governments tend to support first home buyers more. Supply issues are a significant challenge in the housing market. Established properties are often undervalued compared to new builds. Market cycles will continue despite political changes. Personal circumstances should guide property investment decisions. Chapters: 00:00 Understanding Election Impacts on Housing Markets01:15 Current Housing Market Dynamics06:13 Myths Surrounding Elections and Housing11:03 Political Uncertainty and Its Impact15:49 Government Policies and Housing Supply20:13 Future Trends in the Housing Market Links and Resources:   Michael Yardney - https://propertyupdate.com.au/michael-yardney/ Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us - https://investor.metropole.com.au/strategic-property-plan/ Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People - www.WealthRetreat.com.au  Dr. Nicola Powell, Chief of Research and Economics at Domain. Get a bundle of free reports and eBooks – www.PodcastBonus.com.au  Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In this episode of the Michael Yardney podcast, I discuss the intricacies of property investment and finance with expert Hung Chuy. We explore the importance of mindset, the role of brokers, and the complexities of managing a property portfolio.   Key topics include understanding interest rates, debt recycling, and the unique challenges of commercial property financing. The conversation emphasizes the need for strategic financial planning and the benefits of using multiple lenders to maximize investment opportunities.   Takeaways  Property investment is fundamentally a finance game. The first arrow represents unavoidable pain, while the second arrow is our response to it. Choosing the right broker can significantly impact your investment success. Interest rates are important, but flexibility in borrowing is crucial. Debt recycling can help turn non-deductible debt into tax-deductible debt. Managing a property portfolio requires careful planning and strategy. Commercial property financing involves more complexities than residential financing. Self-managed super funds have specific borrowing criteria that differ from personal loans. Using multiple lenders can provide better opportunities for equity and borrowing. Mindset plays a critical role in navigating financial challenges. Chapters  00:00 Understanding the Current Finance Landscape00:28 Strategies to Attract Bank Approval01:25 Introduction to Financial Expertise04:11 Understanding the Role of Brokers06:10 Navigating Lending Policies and Borrowing Capacity08:53 Risk Management Strategies in Financing11:36 Managing Property Portfolios Effectively14:25 Exploring Development and Commercial Finance17:08 Debt Recycling and Offsetting Strategies19:48 The Importance of Strategic Planning in Finance22:26 Conclusion and Future Opportunities34:01 Understanding Market Trends and Analysis  Links and Resources:   Michael Yardney - http://michaelyardney.com/ Get the team at Metropole to help build your personal Strategic Property Plan - https://investor.metropole.com.au/strategic-property-plan/clkg/https/investor.metropole.com.au/strategic-property-plan-enquiry/ Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au   Hung Chuy – Founder and Director of Strategic Brokers - https://www.strategicbroker.com.au/our-team/hung-chuy/ Get a bundle of free reports and eBooks – www.PodcastBonus.com.au  Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Despite predictions of a downturn, Australia's housing market continued to strengthen, with national house prices rising by 1.0% in March, building on earlier gains from February. In today’s show Dr. Andrew Wilson explains how capital city rental markets have tightened further, with vacancy rates either falling or remaining at historically low levels, pushing rents upwards. We also discuss how following Trump's announcement of tariffs, market expectations shifted significantly, suggesting a 90% chance of a rate cut in May. Takeaways    ·         Australia's housing market is showing signs of recovery with rising prices. ·         Rental markets are tightening again after a period of easing. ·         Vacancy rates are approaching record lows, indicating strong demand. ·         Affordability barriers may limit rental growth despite high demand. ·         Economic factors, including interest rates and tariffs, are influencing market sentiment. ·         The auction market is expected to see increased activity leading up to Easter. ·         Melbourne's rental market is showing signs of improvement after a downturn. ·         International student intake has affected the unit rental market. ·         Long-term investment strategies are essential for success in property. ·         Market sentiment can significantly impact economic performance.     Chapters  00:00 Overview of Australia's Housing Market Trends 02:09 Current State of Rental Markets 07:59 Analysis of House and Unit Rentals 13:47 Impact of Economic Factors on Housing 20:02 Auction Market Insights and Future Predictions 24:06 Conclusion and Key Takeaways   Links and Resources: Michael Yardney Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Dr. Andrew Wilson – Chief Economist My Housing Market Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

It's a question that echoes through conversations among frustrated Australians, especially younger generations who find themselves priced out of the housing market: Is this all a Ponzi scheme? The surge in property prices has not only locked out many potential first-time home buyers but has also sparked a fiery debate about the sustainability and ethics of our housing economy, likening our housing markets to a speculative Ponzi scheme. Is this really true? That’s what Brett Warren and I discuss in this episode of The Michael Yardney Podcast. Takeaways The housing market is often misunderstood by younger generations. Owner-occupiers make up a significant portion of the market. Ponzi schemes involve fraudulent investment practices, unlike the housing market. Speculation can lead to market instability, but owner-occupiers provide stability to our hosuing markets. Understanding market fundamentals is essential for successful investing. The current market is not in a bubble, but cyclical fluctuations exist. Investing should be approached with a long-term perspective. Having a strategic plan is vital for navigating the property market. Demographics play a key role in shaping market trends. Chapters 00:00 Understanding the Housing Market and Ponzi Scheme Comparisons 04:19 Defining Ponzi Schemes and Their Characteristics 06:59 Frustrations of Young Australians in the Housing Market 09:46 The Role of Owner-Occupiers in the Housing Market 12:42 Are We in a Housing Bubble? 15:36 Speculative Markets and Their Risks 18:21 Long-Term Investment Strategies in Real Estate 21:08 The Importance of Strategic Planning in Property Investment 24:46 Your Most Valuable Asset 27:30 The Importance of Time Management 30:45 Wealth Retreat: Investing in Yourself Links and Resources:    Michael Yardney    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Brett Warren - National Director of Property at Metropole    Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Get a bundle of eBooks and Reports at www.PodcastBonus.com.au       Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.     Shownotes plus more here: Are our property markets really just a Ponzi Scheme? With Brett Warren

If you’ve has been listening to my podcast for some time, you’d know that I believe in the importance of having a long-term strategic plan for your investments, So while you may be looking for the next hotspot or a way to get rich quickly, let’s step back today and look at the advantages of a long-term investment approach, explore how to sidestep some common pitfalls and discuss why playing the long game could be your best move in securing financial freedom And to do that I’m joined by Stuart Wemyss director of ProSolution Private clients, a seasoned financial advisor, author and expert in divising long-term strategies that have stood the test of time. Takeaways A long-term investment strategy is crucial for wealth building. Context is essential for making informed financial decisions. Delayed gratification is key to achieving financial goals. Trade-offs are necessary for long-term wealth accumulation. Tax planning should be proactive and part of the investment strategy. Insurance needs change over time and should be reviewed regularly. Helping future generations requires a solid financial plan. Asset allocation is important for retirement planning. Enjoying life while building wealth is a balanced approach. Habits play a significant role in success. Chapters 00:00 Introduction to Long-Term Investment Strategies 02:50 Defining a Sustainable Investment Strategy 06:04 The Importance of Having a Plan 08:18 Understanding Individual Investment Goals 10:41 The Role of Delayed Gratification 12:20 Aligning Partners Through a Shared Strategy 17:57 Executing Steps in the Right Order 20:39 Integrating Financial Planning with Investment Strategy 26:26 Planning for Future Generations 28:00 Choosing the Right Assets for Longevity 30:46 Incorporating Superannuation into Your Plan 32:56 Protecting Your Biggest Asset: Yourself 37:43 Enjoying Life Through Strategic Planning 40:02 The Importance of Strategic Planning 41:26 Wealth Retreat 2025: A Unique Opportunity 42:12 The Importance of Mindset in Wealth Building 45:01 Instilling Rich Habits in Children 45:31 Introduction to Real Estate Investment 45:32 Understanding Market Trends Links and Resources:    Michael Yardney  Stuart Wemyss – Prosolution Private Clients    Stuart’s Book – Rules of the Lending Game & Investopoly    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Why Plan Ahead? Top 10 Advantages of a Long-Term Investment Strategy | With Stuart Wemyss 

In this show Ken Raiss, Brett Warren and I and a heap of questions left by viewers of a recent Masterclass that should be of interest to anyone interested in property investment. We explore the pros and cons of investing in outer suburbs, what’s ahead for the Melbourne property market, the significance of understanding property value versus price, the different loan structures available for investors, the importance of economic fundamentals, and strategies for intergenerational wealth transfer. The conversation also touches on the viability of living off equity and the comparison between commercial and residential properties. Takeaways Investing in outer suburbs can be risky especially at this stage of the cycle where property vans have been pushed up by inexperienced investors. Economic fundamentals drive property value growth. Setting up the right ownership property structure is essential for flexible intergenerational wealth transfer. Starting with a clear end goal is one key to successful investing. Interest-only loans can help in property accumulation phases, while we’re paying debt makes sense as you near a retirement age. Living off equity is challenging but still possible with the right strategy. Commercial properties often provide better yields than residential property, but for most investors residential property provides better returns because of the extra leverage. Flexibility in investment ownership structures can enhance financial outcomes. The property market is cyclical; patience is necessary for long-term gains. Chapters 00:00 Introduction to the Q&A Session 00:27 Investing in Outer Suburbs vs. Hot Spots 01:19 Understanding Loan Structures and Trusts 02:02 Introduction to Property Investment Strategies 07:38 Analyzing Melbourne's Property Market 13:35 Understanding Property Investment Structures 19:13 Navigating Investment Decisions and Strategies 24:37 Exploring Regional vs. Capital City Investments 30:22 Superannuation and Property Investment Trusts 33:07 Understanding Debt: Interest-Only vs Principal and Interest 36:03 Transitioning to Cash Flow Properties 38:41 Building a Property Portfolio: Regional vs Capital City Investments 41:35 Living Off Equity: Is It Still Possible? 44:10 The Importance of Trusts in Wealth Management 46:57 Wealth Retreat: Planning for Future Success 48:51 Commercial vs Residential Property Investments 52:53 Introduction to the Podcast and Demographics Decoded 54:13 Special Offers and Resources for Listeners 55:03 Introduction to the Podcast and Its Purpose 55:35 Understanding Property Investment Strategies Links and Resources:    Join us at Wealth Retreat 2025 – read more here and reserve your spot  Michael Yardney    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Brett Warren - National Director of Property at Metropole    Ken Raiss – Director Metropole Wealth Advisory    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   Shownotes plus more here: Ask the Experts: Ken Raiss, Brett Warren and I Answer Your Burning Questions