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It's a beautiful scene here in northern Italy, and it's very reminiscent of what's happened in the course of 2021, where we've seen ravages of covid and the restrictions imposed by governments around the world coming to a crescendo now as we head into the end of 2021 and hopefully a much brighter year in 2022.

Many of our clients have asked us, "What's going to happen next year?"
We don't know all the answers, except we can rely upon some current trends occurring for quite some time in the Australian property market.

Have a fantastic Christmas and a very happy, prosperous and healthy new year!

Check out my latest video and follow us on YouTube to get our latest updates.

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/

Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

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We've received a very pertinent question this week.

And it relates to the difference in the interest rate you get when you accept the three-year fixed rate at the prescribed interest-rate setting.
So why was the fixed-rate loan higher after signing the contract to purchase the property?

Let's look at how the bank processes your mortgage at the time of settlement...

Check out my latest video and follow us on YouTube to get our latest updates.

Content -
00:00​​​​ - Intro
00:57​​​​ - Rising Interest Rates
01:18 - Difference in Interest Rates at time of Settlement
01:36​​​​ - Mortgage Rate Lock
02:21​​​​ - More Interest Rate Volatility
02:40 - Locking in interest rate

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/
Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru
Private Facebook Group - www.facebook.com/groups/aussieexpat

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

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This week's question relates to superannuation contributions as an Australian Non-Resident.

If an overseas employer employs you and you're an Australian, it's more likely than not that the employer has no obligation to make superannuation guarantee payments on your behalf.

From 1 July 2021, the superannuation guarantee rate increased to 10% per annum.

Let's take a look at this in greater depth..

Check out my latest video and follow us on YouTube to get our latest updates.

Content -
00:00​​​​ - Intro
00:30​​​​ - Australian working overseas
00:55 - Superannuation guarantee rate
02:20​​​​ - Personal Super Contributions
02:35​​​​ - Concessional Contribution Caps
03:00 - Tax Jurisdiction
03:45 - Tax Efficiency

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/
Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru
Private Facebook Group - www.facebook.com/groups/aussieexpat

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

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In this week's question, one of our viewers is seeking to invest in property and he asked, " Which is better? Higher rental yield or Capital Growth?"

So let's break that down a little bit further and look at things in terms of what's most important to you as an investor.

Check out my latest video and follow us on YouTube to get our latest updates.

Content -
00:00​​​​ - Intro
01:00​​​​ - Property with a high rental yield
01:19 - What should we look for when investing in property?
02:45​​​​ - Australian Tax System
03:40​​​​ - Holiday rental vs Long term rental
04:20 - Higher cost for running holiday rental

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/
Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru
Private Facebook Group - www.facebook.com/groups/aussieexpat

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

1 1

Welcome to this week's Q&A!
We've got a general investment question from one of our viewers, and he's asked, "Should I buy shares or properties with these fears of inflation that we're currently seeing everywhere around the world?"

There are various views as to the cause of these supplied bottlenecks and the magnitude of this inflation.

Let's view this in greater depth..

Check out my latest video and follow us on YouTube to get our latest updates.

Content -
00:00​​​​ - Intro
01:19​​​​ - Central Banks Response to Inflation
02:19 - Bond Market
02:59​​​​ - Australian Mortgage Market
05:09​​​​ - Inflationary Pressures in USA and Australia
05:57 - What Assets perform better in the late cycle?
06:15 - Asset Allocation
06:24 - Shares in high-quality businesses
06:50 - High-quality dwellings
07:11 - Growth Assets

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/
Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru
Private Facebook Group - www.facebook.com/groups/aussieexpat

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

1 0

Welcome to this week's Q&A!
We've got a great question from one of our viewers from China, and he asked:

"I have two properties running that has accrued a decent tax loss. Am I able to take out a new loan against those properties and use negative gearing to avoid paying tax indefinitely effectively?"

Let's take a look at this in greater granularity..

Check out my latest video and follow us on YouTube to get our latest updates.

Content -
00:00​​​​ - Intro
00:50​​​​ - Negative Gearing on Investment property
01:33 - Creating a new mortgage
02:00​​​​ - Tax Deductions
02:10​​​​ - Mortgage Offset Account
02:50​​​​ - Long term financial planning

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/

Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru
Private Facebook Group - www.facebook.com/groups/aussieexpat

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

1 0

Welcome to our Fourth Quarterly review!

Today we will run through the macros of what's going on in Australia in terms of the Economic Impacts, the Australian Property Markets in the capital cities & regional areas.
What's happening with finance? What is the data telling us and what we can do to plan for the future..

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Welcome to this week's Q&A post-Melbourne Cup event.

I hope everyone had lots of good fortune yesterday and if they didn't back the Melbourne Cup winner, hopefully they backed a winner somewhere on their mortgage rate because that's what we're here to talk about today.

One of our viewers from London asked me “What’s this RBA rate meeting going to mean for the
interest rate on my loan?”

Check out my latest video and follow us on YouTube to get our latest updates.

Content -
00:00​​​​ - Intro
00:30​​​​ - Will Fixed Interest Rates go up?
00:53 - Lock in a Low Mortgage Rate
01:20​​​​ - Bond Yield Target
02:00​​​​ - Inflation
02:10​​​​ - Bond Market
02:30​​​​ - Australian Dollar

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/

Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru
Private Facebook Group - www.facebook.com/groups/aussieexpat

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

2 0

This week one of our viewers from Singapore asked me:

“With Currency fluctuations ..how will the Singapore dollar compare to $AUD with the tightening of MAS policy?”

Check out my latest video and follow us on YouTube to get our latest updates.

Content -
00:00​​​​ - Intro
00:15 - Weakened Australian Dollar
01:00 - Monetary Authority of Singapore (MAS)
01:28​​​​ - Supply chain bottleneck
02:20​​​​ - Australian Dollar to strengthen

Join us live every Tuesday on Facebook and Instagram.

If you have any questions for our next Q&A please send them in the comments below OR complete this form:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

Our Social Media:

LinkedIn -
https://www.linkedin.com/in/docunterweger/

Instagram - @wiseguru
https://www.instagram.com/wiseguru

Facebook -
https://www.facebook.com/thewiseguru
Private Facebook Group - www.facebook.com/groups/aussieexpat

Twitter - @WiseGuru_APAC
https://twitter.com/WiseGuru_APAC

Website - https://thewiseguru.com/

✒️ To connect with us or book a Complimentary Meeting with Dr Andrew Unterweger complete the form here:
https://forms.monday.com/forms/a5c0055c9f96eb1d63d7a6196e5b98fd?r=use1

*DISCLAIMER - The information contained in this video by Dr Andrew Unterweger (and Wise Guru Limited) is for general information purposes only and is not intended to constitute legal, financial or other professional advice and has not been provided with regard to the investment objectives or circumstances of any particular individual. While based on information believed to be reliable, no guarantee is given that it is accurate or complete and no warranties are made by Wise Guru Ltd as to the accuracy, completeness or usefulness of any of the information in this publication. The opinions, forecasts, assumptions and estimates (if any) contained in this material are as of the date indicated and are subject to change at any time without prior notice. The information referred to may not be suitable for specific investment objectives, financial situation or individual needs of recipients and should not be relied upon in substitution for the exercise of independent judgment. Recipients should obtain their own appropriate professional advice. Neither Wise Guru Ltd nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained in this material.
Wise Guru Ltd is not under any obligation to update this information to the extent that it is or becomes out of date or incorrect. This material may not be reproduced, redistributed, or copied in whole or in part for any purpose without Wise Guru Ltd’s prior written consent.

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