{"id":12642,"date":"2015-07-05T06:00:29","date_gmt":"2015-07-04T20:00:29","guid":{"rendered":"http:\/\/chifleysecurities.com.au\/?p=12642"},"modified":"2015-07-05T06:00:29","modified_gmt":"2015-07-04T20:00:29","slug":"the-benefits-downfalls-of-property-investing-chifley-securities","status":"publish","type":"post","link":"https:\/\/chifleysecurities.com.au\/the-benefits-downfalls-of-property-investing-chifley-securities\/","title":{"rendered":"The Benefits &#038; Downfalls of Property Investing | Chifley Securities"},"content":{"rendered":"<p>The property market in Australia is absolutely booming right now. It has turned into one of the largest industries in the country. Last year the property market contributed 11.2% to the gross domestic product (GDP) and created over 1.1 million jobs. While the property market is doing really great there are always pro\u2019s and con\u2019s to any industry. Below is a highly beneficial break down to take into consideration when looking into property.<\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #ff0000;\">The Pro\u2019s<\/span><\/h2>\n<ul>\n<li>Property can be less volatile versus investing in the stock market<\/li>\n<li>You can earn additional streams of revenue through rental income and benefit from capital growth (if your property increases in value over time)<\/li>\n<li>If you take out a loan to purchase an investment property, interest on the loan and most property expenses can be offset against rental income<\/li>\n<li>You are investing in something that is a tangible asset<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #ff0000;\">The Con\u2019s<\/span><\/h2>\n<ul>\n<li>Rental income may not cover your mortgage payments or other expenses so you may have to use other money to cover these costs<\/li>\n<li>An increase in interest rates will increase your repayments and decrease your disposable income<\/li>\n<li>You can potentially lack tenants and experience vacancies during which periods you will have to cover costs<\/li>\n<li>If the value of the property goes down you could end up owing more than the property is worth, this is known as negative equity<\/li>\n<li>There are very high entry and exit costs such as stamp duty, legal fees and real estate agent&#8217;s fees<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Don&#8217;t invest only in property. This is a common rule when you really invest in anything and that is to always diversify. If you invest exclusively in property, you will have a lot of money riding on one market sector. If you also own your home, you will have all of your wealth concentrated in the residential property market.<\/p>\n<p>So it\u2019s a great idea to at least diversify between residential and commercial so your risk potential stays low. Investments such as managed funds and ETFs allow you to invest in a broader range of assets. Don\u2019t keep all your eggs in one basket!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>While the property market is doing really great there are always pro\u2019s and con\u2019s to any industry. Below is a [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,37,38,12,14,17,18,34,19,20],"tags":[8,41,21,10,31,29,11,15,23,24,35,30],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Benefits &amp; Downfalls of Property Investing<\/title>\n<meta name=\"description\" content=\"While the property market is doing really great there are always pro\u2019s and con\u2019s to any industry. 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