Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 5 September 2025. The topic for this week is: Should I buy and investment property like everyone else? It’s true that around 20% of Australian households have chosen to invest in a property outside of their own home. But is property investment as fruitful as it once was and what are the pros and cons to consider? Luke is joined by Leon of 2CC to deep dive into property investing. This is a must listen to podcast if you’re considering property investment.

Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

• Should I buy an investment property? It’s a common question Luke is asked as they look to grow their wealth.
• Many are biased towards property because they can touch and feel it, thinking it’s a risk-free investment – it’s not!
• An investment property might not be your best investment to fund your retirement.
• How much do you need to live on in retirement? What income do you require?
• What are the pros of investing in a property?
• Is negative gearing really worthwhile?
• What the cons of investing in property?
• Is depreciation really worthwhile when compared to tax liabilities down the track?
• Why is it important to have a cash buffer if you buy an investment property?
• Investment properties are also considered an asset for Centrelink purposes at retirement.
• Luke shares his top tips to consider before buying an investment property.

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering your next investment? Would you like some advice before you make a big decision?

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.