We turn from shares to property starting with residential property:

• Historical returns houses and apartments in Australia.  City v regional v remote. 
• High growth versus high yielding properties.
• Drivers of price growth:  Population, supply problems, global investors, low real interest rates.
• Structural headwinds:  Price-to-household income ratios and debt levels.
• Property loans:  IO versus P&I, Fixed v variable, getting the most from your mortgage broker. 
• Negative gearing is growth strategy – where to find growth.
• Property Case Study 1:  Essentials for making negative gearing work. 
• Structuring & tax:  Deeper discussion of income tax.

Step 5:  Where does your money go?  Different approaches to tracking spending.