Investment advise in Australia pls share your tips and insights

Davidx23 · November 2011

Guys,
What's your investment advice here in Australia? Could you please share it.

Some ideas to start:
1. Do you have stocks here? Anu ba ang easiest and cheapest way to get into Aussie stock market? Any tips for the rollercoaster activity lalo na may euro debt crisis?
2. Uso ba dito ang mga mutual fund gaya sa pinas? Saan ba pwedeng mag-invest sa mutual fund?
3. Property investment - pwede rin kaso malaki ang capital na kailangan tapos medyo slump pa ang market ngaun. Good time to buy or pababa pa rin ang trend hangang 2012? Kung pwde sanang kumuha ng 100% mortgage or baka may alam kayong mga lending institution na merong ganitong sistema?
4. Super annuation tips - do you even monitor your super account? Share naman ng tips kung anung fund ang high performing?
5. Buy and sell - anu ba ang magandang i-buy and sell dito galing pinas or vice versa, baka pwdeng pagkakitaan natin?
6. Gold/silver bars/bullion/coins - did you know madali lang bumili dito ng ganitong mga precious metals. Maraming akong nababasa sa internet na magandang investment ang silver bars/bullion/coins. I've looked at the charts and pataas ang prices ng silver from $20/oz last year, this year nasa $30plus/oz. What you do think? Saan ba natin pwedeng ibenta ito (baka marami dyan may angas kay jacob pwede tayong mag supply ng pilak sa mga home made paltik)
7. Have you heard of bitcoins? A Bitcoin is a form of internet currency, ginagamit ito to purchase goods and services on the internet. It's also used as an investment commodity kasi you are buying a value of a bitcoin at a certain point in time (parang stocks). I think the current value of 1 bitcoin is $17usd (pls check). Anybody interested?

sheep · November 2011

hi..sir maybe you can look this, aussiestockforums.com and post your questions.....mukhang maraming makatulong dito sa iyo at kindly repost here para malaman rin natin...

Davidx23 · November 2011

If investment is a gamble, then the opposite might be true.

My record so far as follows:
Investment type_|_Invested Amt_|_Winnings_|_Losses
Lotto___________|_$50__________|_0________|_-
Slot machine____|_$5___________|_$12______|_$3
Wagering_______|_$20__________|_$37______|_0

I'm not much of a gambler as far as my historical record shows but I do have better chances of having some extra moolah on slut machines or wagering.

Sabi nga ng isang investment guru thread your own path.

LokiJr · November 2011

Hintayin niyo matapos training ko, magpopost ako dito :P

Haoyin · November 2011

Any luck with good investments? Sobrang gusto ko rin makahanap ng magandang pag investan. Share naman po mga master...

Davidx23 · November 2011

1 tip: Don't put all your faith in those investment planners, you should do your share of the homework, know your risk. Friend ng friend ko (kwento sa 'kin) is an investment planner, may client sya nag-invest ng 50K, then bec of the current debt crisis nalugi investment nya. sorry na lng.

Isang magandang investment is buying property kasi mababa ang interest rates tapos wla pang bumibili kaya pa downhill ang value ng property ngaun. Yun nga lang you need $$$ kasi wala na ngaun nagpapautang ng 100%, you need at least 20% down, good credit rating, and a stable job/salary para makakuha ng mortgage sa bangko. Sayang kung sana nandito na ako bago mag global financial crisis, very lax pa yung lending system ng mga bangko. Hayz.

Haoyin · November 2011

Hey David, i think we can get along well regarding these matters. I would love to have a chat with u some time and also maybe we can be friends. I dnt have much friends here in au. Maybe u can bump me a pm with ur contact details. By the way I live in Bendigo.

LokiJr · November 2011

^ I believe it's not the person (i.e. planner, broker) that is going to screw your investments in the long run.

A safe investor must always have a good balance of low risk/ yield assets (cash deposits, fixed rate bonds) and high risk/yield assets (stocks, properties)...That way market turmoil will not deplete all your hard earned money

Davidx23 · December 2011

True, it's a combination of an incompetent adviser and a naive investor.

Well I'm just stating that a lot of comments I've read had negative feedbacks on investment advisers, so it's important that you do your share of the homework. Investment advisers should also be more transparent about the fees, investment options, realistic income projections, etc.

And maliit lang ang fee, yung nakita kong brochure sa colonial singil ata $150 per appointment. Dun sa bank ko libre lang ang consultation pero limited yung investment choices.

TotoyOZresident · January 2012

mag tayo ng filipino stores

TotoyOZresident · January 2012

asian store pala

LadyVA · July 2012

Hi there, newbie here. So, did anyone ever try investing in stocks in AU? Did you also keep your investments in the Philippines? What we are doing in Pinas right now is investing on life/pension plans, where you are essentially saving the money you are investing, while putting it in trust for your dependents. It's minimal risk and monitoring, as we've set a balanced (low vs. high yield/risk)portfolio. It will allow us to borrow against our life savings once it matures, while at the same time giving the kids some future financial security.

Metaform · April 2013

I'm also looking at different investment options here. Didn't wanna get stuck on the rat race forever. Lahat ng tanungin kong taga-rito superannuation lang ang alam nilang investment. Most people here believe the government will (or must) provide for them in the future.

Living in two countries with apathetic governments (Pinas and UAE) in the past, I got used to saving for myself. Sa National Bonds ako nag-ipon sa UAE (money which in turn fueled our migration here) and I'm looking for the same scheme here. Mukhang walang government bonds dito. Stocks and mutual funds are too risky especially for someone who's not too familiar with them like myself. Real estate ang next best option. Napakadaling magpaupa dito because of property managers. Kapag may-ari ka ng isang flat/house/unit, sitting pretty ka na lang and you will let the agents and property managers do all the work for you. Ni anino ng may-ari ng flat na tinutuluyan ko ngayon hindi ko kilala. Hindi tulad sa Pinas na sakit ng ulo magpa-upa.

TotoyOZresident · April 2013

I'm also looking at different investment options here. Didn't wanna get stuck on the rat race forever. Lahat ng tanungin kong taga-rito superannuation lang ang alam nilang investment. Most people here believe the government will (or must) provide for them in the future.

Living in two countries with apathetic governments (Pinas and UAE) in the past, I got used to saving for myself. Sa National Bonds ako nag-ipon sa UAE (money which in turn fueled our migration here) and I'm looking for the same scheme here. Mukhang walang government bonds dito. Stocks and mutual funds are too risky especially for someone who's not too familiar with them like myself. Real estate ang next best option. Napakadaling magpaupa dito because of property managers. Kapag may-ari ka ng isang flat/house/unit, sitting pretty ka na lang and you will let the agents and property managers do all the work for you. Ni anino ng may-ari ng flat na tinutuluyan ko ngayon hindi ko kilala. Hindi tulad sa Pinas na sakit ng ulo magpa-upa.

Paki share agad kung may alam kana na different investment para mag ka idea kami. Thanks

mykdspyk · April 2013

anyone here doing bullion investment?

stabilo · October 2013

hi guys....I am thinking investing on AU stocks...any sugguestions please...kasi right now nag Citisec me sa pinas...meron bang katulad ng citisec sa AU?

btw newbi pa lang po me ng investor ng stocks :-)

@mykdspyk - me bullion investment din

maraming salamat :-)

packerx · October 2013

asian store pala

Baka hindi ba puntahan ng non-pinoys kung filipino store pangalan? At risk ba for racism pag sinabi mo anong type of asian store ka?

packerx · October 2013

I'm also looking at different investment options here. Didn't wanna get stuck on the rat race forever. Lahat ng tanungin kong taga-rito superannuation lang ang alam nilang investment. Most people here believe the government will (or must) provide for them in the future.

Living in two countries with apathetic governments (Pinas and UAE) in the past, I got used to saving for myself. Sa National Bonds ako nag-ipon sa UAE (money which in turn fueled our migration here) and I'm looking for the same scheme here. Mukhang walang government bonds dito. Stocks and mutual funds are too risky especially for someone who's not too familiar with them like myself. Real estate ang next best option. Napakadaling magpaupa dito because of property managers. Kapag may-ari ka ng isang flat/house/unit, sitting pretty ka na lang and you will let the agents and property managers do all the work for you. Ni anino ng may-ari ng flat na tinutuluyan ko ngayon hindi ko kilala. Hindi tulad sa Pinas na sakit ng ulo magpa-upa.

Pati po sa Singapore ganito rin po. Di mo makikita ang owner. It has its pros/cons. Minsan gusto mo iwasan mga agents kasi may agent fee sila both to owner and renter.

KurikongSaTumbong · October 2013

Sa real estate ako nag invest. 1 residential and 1 commercial. Kalabit and forget ang style ko tutal self-funding naman dahil sa rental income at property managers na bahala sa lahat. In a few years fully-paid na tapos continuous pa rin cashflow para sa retirement or benta at a nice profit panggastos sa world tour hahaha!

Hindi bagay sakin stocks kasi trigger happy ako at nag panic sell everytime bumaba presyo kasi isang pindot lang sa internet eh sold na agad.

pmzinoz · October 2013

@kst

sa australia ba yang real estate mo?

KurikongSaTumbong · October 2013

@kst

sa australia ba yang real estate mo?

Opo. Sa Sydney silang dalawa.

Meron din akong mga beach properties sa Pinas pero di magandang investment di tumataas presyo.

JCsantos · October 2013

Kami Proeperty ang investment namin .. d naman kasi kami marunong mag buy and sell ng stocks ... pero pangarap ko e mag tayo ng remittance company since meron akong basic na alam at meron akong connection sa mga bangko sa pinas

ang maganda pa sa remittance company inde mo kailangan ng masyadong malaking kapital

pmzinoz · October 2013

speaking of beach properties, may i know kung saan sa pinas yang hindi tumataas ang presyo? balak ko sana maginvest din and sa laiya batangas ang balak ko.. maganda yung lugar nya and kung hindi man tumaas presyo maganda naman sya pang retirement house..

pmzinoz · October 2013

@JC pag nagtayo ka ba maghahanap ka ng mga investors mo or sarili mo lang? plan ko din yang remittance since alam ko na din pasikotsikot nyan..

JCsantos · October 2013

@JC pag nagtayo ka ba maghahanap ka ng mga investors mo or sarili mo lang? plan ko din yang remittance since alam ko na din pasikotsikot nyan..

Sarili lang ang plano ko hehehe

KurikongSaTumbong · October 2013

speaking of beach properties, may i know kung saan sa pinas yang hindi tumataas ang presyo? balak ko sana maginvest din and sa laiya batangas ang balak ko.. maganda yung lugar nya and kung hindi man tumaas presyo maganda naman sya pang retirement house..

Di ko alam kung saan mga di tumataas presyo kasi since 2002 pa ako wala sa Pinas at walang gaanong knowledge sa real estate sa Pinas. pero yung property na binili ko eh sa Surigao malapit sa surfing spots pero 10 years ago pa yun at hanggang ngayon eh mga nasa 20% pa lang siguro itinaas. Balak ko dati patayuan ng bakasyunan pero parang ayoko na bumalik sa Pinas masaya nako dito. Kaya benta ko na lang sa future.

stolich18 · October 2013

marami nagsasabi, property investments ang ok dito sa Sydney. Sobrang bilis tumaas ng prices ng mga bahay. Yung Rouse Hill area before, around 450K lang daw jan ang mga bahay around 2008 (recession ata non)... Ngayon nasa 800K median price.. hehehe Ung sa The Ponds din, parang 100% ata ang itinaas ng property value. Yung mga mahilig kase magnegosyo binibili tlga mga bahay para pagkakitaan. Pero dapat ingat din and pag-aralan mabuti ang market. May mga nalulugi din kase.. heheh
Pde rin kase paupahan ung property kung ayaw nyo pa ibenta. Alam ko may tax rebates ata pag ganon, pero may rule ata na dapat mas mataas ang mortgage repayments than the rent value (not sure about this).. hehehe in the future eto sana gusto kong gawing investment, same kay @kst

KurikongSaTumbong · October 2013

marami nagsasabi, property investments ang ok dito sa Sydney. Sobrang bilis tumaas ng prices ng mga bahay. Yung Rouse Hill area before, around 450K lang daw jan ang mga bahay around 2008 (recession ata non)... Ngayon nasa 800K median price.. hehehe Ung sa The Ponds din, parang 100% ata ang itinaas ng property value. Yung mga mahilig kase magnegosyo binibili tlga mga bahay para pagkakitaan. Pero dapat ingat din and pag-aralan mabuti ang market. May mga nalulugi din kase.. heheh
Pde rin kase paupahan ung property kung ayaw nyo pa ibenta. Alam ko may tax rebates ata pag ganon, pero may rule ata na dapat mas mataas ang mortgage repayments than the rent value (not sure about this).. hehehe in the future eto sana gusto kong gawing investment, same kay @kst

wala namang tax rebate pag nagpapaupa kundi eh merong allowable tax deductions. Yung interest at depreciation nung rental property eh tax deductible pati na rin mga expenses related sa property tulad ng council rates, maintenance, property management fee, etc. Kaya ang effect nito eh pag malaki ang expenses mo kesa sa rental income eh bababa ang taxable income mo kung employed ka kaya ngayon eh liliit tax mo kaya makakakuha ka ngayon ng tax refund dahil diba kung employed ka eh me withholding tax ka based on your salary (taxable income) eh tapos lumiit taxable income mo dahil sa deductions galing sa rental property kaya ngayon eh me refund hihihi! At the same time eh lumalaki value nung property tapos eh sya nagbabayad sa sarili nya kasi naman eh me rental income kaya win win situation kasi lumiit na tax mo, me libreng property ka pa na pwede mo ibenta ng milyones in the future hihihi!

packerx · October 2013

marami nagsasabi, property investments ang ok dito sa Sydney. Sobrang bilis tumaas ng prices ng mga bahay. Yung Rouse Hill area before, around 450K lang daw jan ang mga bahay around 2008 (recession ata non)... Ngayon nasa 800K median price.. hehehe Ung sa The Ponds din, parang 100% ata ang itinaas ng property value. Yung mga mahilig kase magnegosyo binibili tlga mga bahay para pagkakitaan. Pero dapat ingat din and pag-aralan mabuti ang market. May mga nalulugi din kase.. heheh
Pde rin kase paupahan ung property kung ayaw nyo pa ibenta. Alam ko may tax rebates ata pag ganon, pero may rule ata na dapat mas mataas ang mortgage repayments than the rent value (not sure about this).. hehehe in the future eto sana gusto kong gawing investment, same kay @kst

Naku baka connected tayo at familiar rin ako sa Rouse Hill area at sa mga area na sinasabi mo. Iyun info ko naman, 200k ang presyo sa rouse hill nun binili ng kakilala ko and baka tempted na yun magbenta ng bahay ngayon hehe. Pataas pa rin presyo ngayon dahil kasi sa atin mga immigrants na hindi tumitigil pagpasok. So for new immigrants like us, tantsahan na lang kung kelan best time pasukin ang market.

Metaform · June 2014

Im thinking of spending my savings on an investment property bago ako kumuha ng sariling bahay. Do you think it would be wise? There are apartments that can go as low as 130K malapit sa city.