Get Rich With Rach
Region: AU
Sunday 11 May 2025 10:33:46 GMT
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Emily Tran x :
Thank u for speaking at the perfect speed 👏
2025-05-11 22:28:29
375
Invercargill Auto Detailing :
The commodification of homes is a gross mistake that should have never been allowed to happen
2025-05-12 10:05:20
125
Sydney Bicycle Live :
You've got a gift for this. Upping for engagement.
2025-05-11 12:20:12
140
Jayrad333 :
I can’t afford rent or buying 😭
2025-05-11 17:02:13
28
Luke McAdam :
Difference is the stock market returns around 10% per year on average while housing returns 6.4%. Still not worth it, but not quite as cut and dried.
2025-05-11 11:58:18
28
TheWhiskyAfficionado :
It works if you invest while you rent, wait a couple of years and then use that equity from capital growth to get into your own home. Now you have an investment and a PPOR, it’s what we did.
2025-05-11 23:28:16
31
Hugh G Rection :
People aren’t rent vesting for 30 years😂
2025-05-11 23:12:48
11
studiograham :
IF your salary grows. Not much history of that happening in Australia over the past couple of decades.
2025-05-19 09:42:12
4
Andrew James :
If you’re in the top tax bracket, rent vesting with negative gearing makes plenty of sense
2025-05-12 01:36:20
4
Josef Milano :
so we'll articulated! 👏
2025-05-13 03:46:01
7
user3708235512946 :
You’ve assumed salaries grow over time when you own a property, you should also factor that in with rentals and therefore assume the cost to rent doesn’t increase, relative to income
2025-05-16 06:30:16
0
Rhys :
it only works if you buckle down and live in your investment for a year before you sell it
2025-05-19 03:53:38
0
wyatthurts :
What would you do with a mortgage free home to upgrade or reinvest, 550k value?
2025-05-14 10:41:38
1
Shani Ferdman :
You’re forgetting that most of the money making is from capital growth and not yield. Also negative gearing helps balance the difference.
2025-05-15 07:01:55
1
Simon Berry :
You can do both - live in your place the initially, then move out and rentvest for 6 years, then repeat. It stays CGT exempt and you also get tax deductibility of repayments for the period it’s rented
2025-05-11 12:00:38
14
Lossath :
Thoughts on debt recycling? i.e use equity in the owner occupier to an investment loan, I feel that gives more leverage than you might have in cash, the return just needs to be higher than the interest on the loan?
2025-05-20 07:56:54
1
Arnottsmixedassoftments :
Strongly disagree. You leave a large amount of other factors out in this comparison. I’d recommend watching Ben Felix’s comparison of the two. There’s certainly pros and cons to both but from an investment standpoint rent vesting is far superior
2025-05-31 07:44:22
5
Mopeds623 :
If you want to stay in your peer group, but grew up in an extremely expensive suburb, the rent yield is much lower in expensive areas so renting there makes sense as long as you’re invested in growth
2025-05-11 21:31:04
0
encodedecode :
We bought our first property about 12 months ago and have been living in it since. This was never our dream home or location, but made sense given jobs and rent prices. 95% LVR, leveraged all first homebuyer grants we could at the time. Now new jobs have emerged in another part of the country and it makes sense to move. Our income will increase, perhaps quite a lot in the short term, and rentvesting remains our only option. LVR has now improved to roughly 80% with market value and extra payments. Definitely have no plans to liquidate it in the near future, but unsure how to proceed given CGT and being able to purchase another property when we settle on a location.
2025-09-10 23:26:02
0
Tara Killer :
How do I work with you?!
2025-05-11 22:58:28
1
#AussieSam Mortgage Broker :
many in Syd can’t afford a desirable owner occ - so theyd sacrifice on the asset (1bdr or location). Rentvesting lets them buy better asset/yield in growth area instead of buying subpar or not at all
2025-05-12 01:07:47
3
Ryan Manson :
So good! Completely agree with everything you said
2025-05-18 06:52:37
2
The Social Futurist :
we need to turn this housing crisis around. bring back Australia's wealth taxes
2025-05-28 11:46:53
3
jessliddell :
Sooo buy, live in it then use that as equity for another investment?
2025-05-15 08:37:26
2
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