The Wotherspoon Wealth Blog

Australian Property Price Outlook

Australian residential property prices seem to have peaked late last year with weaker prices now all round Australia, including Adelaide. Is this the end of the residential property boom? Probably. Investment property rents are near record lows, so property investors now heavily rely on capital gains to justify their investments....

Investing Sustainably

Our Transport Revolution Blog this year covered the unfolding transport revolution – a subset of the larger Sustainability Revolution, which is a progression from the Agricultural, Industrial and the Digital Revolutions. As we learn to harmonise better with nature, this sustainability focus will change the way our food, energy and water...

Franking on the Chopping Block

If it wins government, Federal Labor proposes to discontinue refunding cash for unused franking tax credits that can arise from Australian share dividends. Though we value public amenity, giving up tax benefits is generally unwelcome. So, we thought it would be helpful to put the proposal in perspective and cast...

Downsizer Super Contribution

Are you over age 65, thinking of a smaller home and interested in releasing some of the capital tied up in your home – perhaps you should consider the downsizer super contribution strategy to boost your super and retirement income? In the recent superannuation changes, two were delayed until 1st...

Outlook for Australian Banks

Investors usually have some exposure to Australia’s banks. They’re over-represented in our ASX at 35% of the ASX300 index, compared with about 25% of the US S&P500 Index. It’s because Australia’s industrial base has been hollowed out by the decline in manufacturing. So, if you just buy the overall market,...

Transport Revolution

A slow transport revolution is under way. From environmental and increasingly a cost point of view, electric powered vehicles are becoming popular. It’s a trend boosted by significant technological changes and now some countries have mandated towards Electric Vehicles (EVs) to reduce carbon pollution. EVs range from: hybrid electric vehicles...

Beyond the Super Pension Limit

Now superannuation pensions are limited to $1.6million, the appeal of a family trust has increased. Perhaps the government need not have also limited super contributions and instead allowed people find their own path towards the overall pension limit… (but grumbling doesn’t help). Family trusts don’t yet have the network of...

Trump’s Tax Cuts

Large US corporate tax cuts from 35% to 21% will boost Trump’s standing at home, though covering its cost may not appear on US voters’ radar until much later. In the short-term we can expect a small rise in US earnings per share with a minimal boost to international equity...

Lifestyle as you age

Thinking of downsizing your home and wondering about your options?  Maybe you want to shift from your family home to a smaller courtyard home for easier maintenance or to release some capital to generate extra income? Downsizing incentives in the last Federal Budget now allow retirees to contribute into superannuation...

Constructive Grandparent Gifts

Adelaide’s Christmas pageant is this week, so minds will soon turn to Christmas gifts. Are you a grandparent, parent or adopted ‘aunt/uncle’ to young children? Perhaps you’d be interested in a constructive gift for them that could start a shared discussion for many years ahead? Older folk usually have wisdom...