Stewart Financial

23/06/2026

So many people are posting their disbelief with the recent budget closing SMSF borrowing for residential property.

So many people saying I just want to build wealth for my future. Which is great and I understand but don't you think at the cost of others where speculation is forcing property prices up is not a great thing?

Relax you can still invest in Super and here I will show you. I am not pushing shares but pushing active investing. You can still buy property and commercial property but now it is less accelerated:)

What $10,000 in boring BHP in January 2000 looks like today!

Most people track the share price. But the real story is how much of the return came from income — not capital growth.

$10,000 invested in BHP in January 2000 (2,000 shares at ~$5.00):

📈 Share price only: $125,800 (+1,158%)

💰 + Cash dividends: $203,800 (+1,938%)

✅ + Franking credits: $237,800 (+2,278%)

Nearly half the total return came from dividends and franking credits — not the share price.

BHP has paid fully franked dividends for most of its listed history. For eligible Australian investors, that franking benefit can be worth 30–40% more than the headline cash yield — something you simply can't get from a term deposit, international shares, or unfranked ASX stocks.

The lesson? When evaluating Australian equities, always look at the grossed-up total return — not just the share price chart.

Not financial advice. But Calm the Farm!!!

14/06/2026

The national clearance rate slipped to 49.8% this week end the 13th of June— the second consecutive week below 50% and well down on the 65% recorded this time last year.

Key results:
🔵 Sydney: 62.0% (volumes surged back after the King's Birthday holiday)
🔵 Canberra: ~58% (holding above the national average)
🔵 Adelaide: ~52% (steady winter conditions)
🔵 Melbourne: ~57% (high volumes, cautious buyers)
🔴 Brisbane: ~20% (highest pass-in rate nationally)

With no RBA rate cuts expected before spring, auction markets remain firmly in buyer territory. Winter is here — and the data shows it.

📊 Source: My Housing Market / Dr Andrew Wilson, PropertyUpdate.com.au

13/06/2026

This is what legal theft looks like in a capitalist market at the moment. All with government contracts that helped fund a company that will now make allot of people rich. With the help of the government you can say socialism helped this company get off the ground as with Tesla. Do you think they should have ownership?

It was not so long ago that this man lead a program called DOGE to help cut government spending.

Up 20% on the first day from just hype. It's not trading on earnings at all — it's trading on growth expectations for Starlink and AI.

The ones who are burnt? Retail investors and also the people who's tax money funded such a deal.

But who knows rabbits have been pulled out of hat before, but it would take a lot of accelerated technology to reaslise what it is worth.

06/06/2026

Auction results are in and yesterday's data paints a whole new ball game for the property market and it is not pretty.

The national weighted average auction clearances rates are 44%. Which in line with Covid and the GFC numbers. Are the government policy changes to blame for this?

I don't think entirely so as it was an already overinflated market. The government changes are not that big of a shift. But all you need is a shift in confidence and people sitting on the side line for property to have a downturn.

Do i feel this will continue? Yes I really feel property prices will fall 10% to 20% and even 30% in the higher end markets.

Is this a good thing? Yes of course!!! Property has caused huge pressures on households and also has eliminated first home buyers nearly out of the market.

These are still preliminary. By the time CoreLogic publishes final figures mid-week, every state will likely revise down 3–5 percentage points as the remaining passed-in results get reported. So NSW could finish closer to 37–38%, VIC around 43–45%.

05/06/2026

Bitcoin is down 46% in the past year. AUD $86,874 today. From $160,000+ — almost cut in half.

And I think it could have another 50% to fall.

Here's why this matters beyond crypto:

When risk appetite collapses, it doesn't stay in one asset class. We're already seeing it in equities, auction clearance rates are at GFC lows, and consumer confidence is cracking.

Bitcoin is often the canary in the coalmine — it moves fast and it moves first.

The chart says it all. A brutal, sustained downtrend with no clear floor in sight.

This isn't a buying opportunity dressed up as a dip.

This is what a structural unwind looks like.

Cash is a position. Patience is a strategy.

Don't catch a falling knife. 🔪

05/06/2026

05/06/2026

🚨 Australian auction clearance rates are heading toward their lowest levels since the GFC and COVID — and most people aren't paying attention.

We're sitting at approximately 52% clearance rates nationally and still falling. The last two times we saw numbers like this? 2008 and 2020. Both preceded significant market corrections.

The biggest concern!!!!!!

Australian residential property is valued at approximately $11 trillion. A 10–15% correction sounds manageable on paper. But:

🔴 A 10% drop = ~$1.1 trillion in household wealth wiped out
🔴 A 15% drop = ~$1.65 trillion gone

That's not just a paper loss. That's a wealth effect that ripples through:
→ Consumer spending pulling back sharply
→ Construction and development grinding to a halt
→ Banks tightening lending criteria further
→ Forced sales adding more supply into a falling market
→ Negative equity trapping highly leveraged buyers

One domino tips the next. What starts as a 10% correction can become something much larger — not because of the number itself, but because of the behavioural and financial chain reactions it triggers.

So is NOW a good time to invest in property?

Yes — but 𝗱𝗼𝗻'𝘁 𝗰𝗮𝘁𝗰𝗵 𝗮 𝗳𝗮𝗹𝗹𝗶𝗻𝗴 𝗸𝗻𝗶𝗳𝗲.

The best opportunities in any downturn aren't found on the way down — they're found when the dust settles. When clearance rates bottom out and start recovering. When vendors have capitulated. When the headlines are at their most negative and everyone else is still too scared to move.

That's historically when the best assets at the best prices become available to patient, prepared buyers.

What is a good strategy right now?

✅ Get your finance pre-approved so you know what you can borrow with new lending standards.
✅ Know exactly what you want to buy and at what price
✅ Watch the data weekly — clearance rates, vendor discounting, days on market
✅ If you are looking for an investment maybe look outside your normal search area. For example you can get a unit in Melbourne right now for under $400,000. People still need accommodation so they will be a safer long-term hold. Yes maybe less long term higher growth but more stability and favourable cash flow for now.

The window of opportunity is coming. So a great to to sit on the sidelines and wait for the right opportun ity:) Sourses Cotality and PropTrack!

29/05/2026

Bargara cold nights apparently😇

14/05/2026

The Global X Battery Tech & Lithium ETF (ASX: ACDC) has delivered +111% over the past 12 months*, making it one of the standout performers in the thematic ETF space.

Here's what's driving it:

🔋 Battery technology demand is accelerating — from EVs to grid-scale energy storage
⛏️ Lithium remains a critical input, with supply constraints and long-term structural tailwinds
🌏 The fund takes an unconstrained approach across the full lithium value chain — mining, refining, and battery production

Key fund stats (as at 8 May 2026):
📊 AUM: $874M+
📅 Inception: 30 August 2018
💰 Management fee: 0.69% p.a.
📈 1Y return: +111.4% | 3Y p.a.: +28.3% | Since inception p.a.: +21.7%*

As the world continues its shift to electrification, ACDC offers targeted exposure to the companies building the backbone of that transition.

🔗 Learn more: https://lnkd.in/g8ZDKetD

08/05/2026

Debt Recycling when you have no savings: How $50K Could Grow to $400K+

Debt recycling sounds complex, but the concept is simple: convert non-deductible debt (like your mortgage) into tax-deductible investment debt.

Here's a practical example 👇

The Setup

Equity borrowed: $50,000

Interest rate: 6% p.a.

Investment return: 11% p.a. (growth shares)

Timeframe: 20 years

The Numbers:

Value$50K invested at 11% for 20 years~$403,000Total interest paid (6% on $50K)~$60,000Net position~$343,000

And here's the kicker — that $60K in interest? It's tax-deductible against your income. At a 32.5% marginal rate, that's roughly $19,500 back in your pocket over 20 years.

Why it works

The 5% gap between your borrowing cost (6%) and investment return (11%) compounds in your favour year after year. Time does the heavy lifting.

⚠️ This strategy isn't for everyone. Markets don't return 11% every year — some years you'll be down while still paying interest. You need the cash flow to service the loan and the temperament to stay invested through volatility.

Get advice of course 🙃