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投资策略
投资策略 articles from PremiumRea.
66 articles
- 8 April 202611 min read·Joey Don
'Passive Income' Is the Biggest Lie in Personal Finance. Asset Income Is What Actually Works.
The internet promised passive income. I tried dropshipping, dividends, and crypto. None were passive. Property is not either — but it is leveraged, systematised, and scalable.
- 2 April 202611 min read·Joey Don
High Interest Rates? Good. Here Are Three Moves That Print Money in This Environment.
Everyone waits for rate cuts. Smart investors buy before them. High rates created our best deals: 40% of 2024 acquisitions were off-market at $20K-$50K below comparable sales.
- 27 March 202612 min read·Joey Don
Property Investment Has Eight Steps. Most People Only Do the Last One.
Unprofitable investment properties all look the same. The owner completed step eight — buying the house — and skipped steps one through seven.
- 21 March 2026约 12 分钟阅读·Joey Don
别再拿自住的思路去买投资房。改变一切的三条规则。
知道每一套不赚钱的投资房都有什么共同点吗?业主是因为喜欢那个厨房才买下的。
- 15 March 2026约 11 分钟阅读·Joey Don
我花了 $80K 读 MBA,唯一值回这 $80K 的那一课,讲的是房产
读 MBA 之前,我就是那种教科书级的高收入仓鼠——在轮子上一直跑。薪水不低,资产为零。一次校友活动上的聊天,彻底改写了我对财富的理解。
- 9 March 2026约 12 分钟阅读·Joey Don
$300K 现金:快速买两套,还是买一套先翻新?教你怎么决定。
这个月我大概被问了十五次同一个问题。你手上有 $300K-$400K。你是把它拆成两份首付快速扩张,还是把它停在一套房上,花 $100K 把它改造成现金流机器?
- 3 March 202611 min read·Joey Don
$400K Budget? I'm Buying in These Two Regional Towns. Here's Why.
Melbourne's southeast is running hot and everyone knows it. But if your budget is under $500K, there are two regional towns one hour from the city where the numbers are even better. We've been quietly
- 25 February 2026约 11 分钟阅读·Joey Don
澳洲的"死线":那条让你一直穷下去的隐形阈值
他带着 $5K 存款和一笔 $6K 的车贷走进我办公室,说想做 rentvesting(以租养贷)。我拉出他的借贷能力,差点从椅子上摔下去。那笔 PR 庆祝礼物般的车贷,刚刚把他 $300,000 的借贷能力清零。
- 19 February 202611 min read·Joey Don
This House Made Zero Growth in Seven Years. Three Red Flags That Predict a Money Pit.
I used to rent this house. I convinced the landlord to sell it in 2017 — and she made $1.5 million by redeploying elsewhere. The guy who bought it? Seven years of negative cash flow and zero growth. T
- 12 February 202611 min read·Joey Don
A Wave of Forced Selling Is Coming. Here's Your Three-Step Survival Guide.
Your fixed rate was 2%. Now it's 6%. That's an extra $2,000 a month you didn't budget for. And you're not alone — a massive cohort of homeowners is hitting this wall simultaneously. Some will sell. So
- 9 February 2026约 13 分钟阅读·Joey Don
真正在房产里赚到钱的五种人(以及大多数人为什么赚不到)
房产投资不是运气或时机的游戏,是"大脑线路"的游戏。看过上百位客户在墨尔本东南买房之后,我反复看到同样五种人格胜出——其他人都卡在原地。
- 4 February 2026约 12 分钟阅读·Joey Don
四种「高回报」房产,会把你榨干
我准备得罪一些人。但看到太多投资者在那种「开放看房时看起来很棒」的房子上亏掉六位数后,总得有人把话说出来。
- 27 January 202610 min read·Joey Don
Stop Buying Investment Property in 2024. Unless You Meet These 3 Conditions.
I'm literally in the business of helping people buy property. And I'm telling you: most people should not buy in 2024. Here are the three conditions that separate the ready from the reckless.
- 19 January 202611 min read·Joey Don
Chinese-Made Granny Flats Are Flooding Melbourne. Most Are Illegal.
I just came back from inspecting two granny flat build sites. What I found made my blood run cold. Chinese manufacturers are cutting corners that could leave you with unlimited legal liability.
- 11 January 202610 min read·Joey Don
Buying an Investment Property Under Your Home Loan? You're About to Get Sued.
It's the most common question I get: can I use my first-home buyer stamp duty exemption and then secretly rent the property out? Short answer: no. Long answer: let me explain the three ways this destr
- 3 January 202611 min read·Joey Don
I Doubled My Income in 3 Years — Then Put Every Dollar Into Property
Everyone wants a bigger deposit. Nobody wants to talk about the income side of the equation. Here's how remote work changed everything for me — and why it matters for property investors.
- 26 December 2025约 11 分钟阅读·Joey Don
墨尔本生活成本刚刚下来了——这是一个买入信号
上周六上午，我在墨尔本东南的 Big Watermelon 市场转了一圈。樱桃 $13 一公斤，芒果 $1.80 一个——只有疫情结束那会儿的一半。能看懂水果摊价格的人，也就能看懂房产市场。
- 18 December 202511 min read·Joey Don
The Four Career Quadrants — and Why Only One Builds Real Wealth
High salary + no accumulation = career trap. The four-quadrant framework explains why some $200K earners retire broke while $80K earners build $2M portfolios.
- 10 December 202510 min read·Joey Don
Six Documents You Must Keep After Settlement (One Saves You $50K at Sale)
Got the keys? Before you pop the champagne, build a data room. These six documents determine whether you pay $50,000 more tax than you need to when you eventually sell.
- 2 December 2025约 12 分钟阅读·Joey Don
圣诞还没到,你的钱包已经空了
Boxing Day 都还没到,半个国家的人已经觉得自己破产了。机票、酒店、按揭还款、Afterpay 的推送。公共假期已经变成普通澳洲人的财务压力测试。出门就是一个月的存款没了。在家又觉得错过了生活。两头都一样,钱都不见了。
- 24 November 202510 min read·Joey Don
Stop Romanticising Off-Market. Most of It Is Garbage.
I used to think off-market meant gold. Then I went through three years and hundreds of off-market listings. Now I know better. Let me save you from the same expensive education.
- 17 November 202513 min read·Joey Don
Australia's Prosperity Is an Illusion. Here's How Smart Investors Respond.
Strip away the opera house, the beaches, and the global liveability rankings. What you find underneath is a country that chose the easy road fifteen years ago and has been paying for it ever since. Re
- 9 November 2025约 11 分钟阅读·Joey Don
我装了一块 $7,200 的电池,电费账单降到了零。完整配置在这里。
我的投资房每周收 $1,200 租金,每月光电费就要 $500——因为我在租金里打包包了水电。上个月我装了一块电池。这个月电费账单是零。这块电池在十个月内就能把自己赚回来。
- 1 November 202513 min read·Joey Don
That Off-Market House Priced $130K Below Valuation? It's Probably a Money Pit.
Bank valuation 980 grand. Seller's asking 850. Thirteen percent below market. Your pulse quickens. You start imagining the instant equity. Stop. Take a breath. Because that gap between valuation and a
- 24 October 202514 min read·Joey Don
Seven Types of "Cheap" Houses That Will Destroy Your Wealth
In Australian real estate, price is usually the most honest reflection of value. If a property looks suspiciously cheap, there's a reason sitting in the Section 32 that the selling agent hopes you nev
- 16 October 202512 min read·Joey Don
I Put Six Figures Into Stocks, Crypto, and Property. Only One Made Me Rich.
I've owned Qantas shares, NASDAQ index funds, 16 Ethereum, and a knockdown house on 600 square metres of Melbourne dirt. The results weren't even close.
- 8 October 2025约 12 分钟阅读·Joey Don
两套房退休:今天的 $40 万如何变成每年 $22 万的永久收入
澳洲人退休时 super 里平均 $292,000。按此每年能取出 $20K,82 岁前就花光。35 岁买下的两套投资房每年能产出 $22 万澳元——永久。下面我把两边的数字都给你看。
- 30 September 202513 min read·Joey Don
Australia's Housing Crisis Is the Best Thing That Ever Happened to Smart Investors
Everyone's talking about how Australia can't house its people. They're right. And if you understand what's actually driving this crisis, you'll see why it's the single greatest wealth-building window
- 27 September 202510 min read·Joey Don
How to Make Your Tenants Pay Your Entire Mortgage (Legally)
"Rent will never cover the mortgage" is what people who've never tried it say. Here's exactly how we do it — repeatedly — across our Melbourne portfolio.
- 22 September 202512 min read·Joey Don
Seven Red Flags That Quietly Destroy Your Property's Value
Your house hasn't grown in five years. Everyone else in the suburb is up 20%. What went wrong? Almost certainly, one of these seven things.
- 21 September 2025约 13 分钟阅读·Joey Don
真正能每个月往你口袋里塞钱的五种房产
墨尔本一套独立屋拿到 6.3% 的租金回报率,听起来像童话。不是。我们每个月都在做。但只有五种特定类型——其中至少有两种大多数投资者连听都没听过。
- 20 September 202511 min read·Joey Don
Five Rules That Stopped Us Buying Duds (After 200+ Deals)
Most property investors lose money because they buy with their gut. After more than two hundred transactions across Melbourne's southeast, we've distilled everything down to five rules. They're not co
- 19 September 2025约 14 分钟阅读·Joey Don
40 岁失业？别再投简历了，开始搭建资产
我看过太多有才华的专业人士把 200 份申请丢进虚空、把自信一起烧光。如果你 40 岁以上、在澳洲找工作找得很难——问题不在你的简历，在你的策略。
- 11 September 202512 min read·Yan Zhu
How to Buy a Private Estate in Australia Without Getting Burned: A Due Diligence Framework
The real estate agent will show you the rose garden and the sunset views. They will not mention the Crown mineral reservation that gives a mining company the right to drive trucks across your paddock.
- 3 September 2025约 12 分钟阅读·Joey Don
我见过几十个人把这件事搞砸。把自住房转成投资房、不在税上亏几万澳元的两种方法。
你把按揭慢慢还了下来,房价涨了,现在你想升级到更大的地方,把老房子变成出租房。听起来很直接。但大约 90% 这么做的人都无意中制造了一个税务灾难,在投资组合的生命周期里多付几万澳元。
- 27 August 2025约 14 分钟阅读·Joey Don
买第一套投资房前,没人告诉我的那些贷款细节
我的第一套投资房,贷款结构糟糕到每个月白白流出去 $400 澳元。没人告诉我 offset 账户、LMI 可以比价,也没人告诉我可以切换到只付利息的贷款。这里是我当年希望有人告诉我的每一条贷款细节——从贷款预批一直到再融资。
- 26 August 2025约 11 分钟阅读·Joey Don
我用自家团队跟 AI 搜房工具较量了一场,结果把我吓到了
我在 Google 的 AI 深度搜索里输入了一个提示词,让它在 Boronia 帮我找一套高价值的房子。五秒钟后,它给出了三套房源,附带城区均价、规划覆盖区以及房屋状况评估。而我那支三人团队,做同样的事情要花整整四十分钟。
- 18 August 2025约 12 分钟阅读·Joey Don
政府的 5% 首付方案不是礼物——是一把上了膛的枪
5% 首付方案听上去很慷慨——直到你把数字跑一遍。20 倍杠杆、零净值缓冲、没人替你兜底。这就是我让客户先等一等的原因。
- 10 August 202510 min read·Yan Zhu
Victoria Owes $167 Billion. Here's Why That Might Actually Be Good News for Property Buyers.
Everyone's panicking about Victoria's debt. Meanwhile, the state just posted its first operating surplus since 2019. Both things are true simultaneously, and if you understand why, you'll make better
- 2 August 202511 min read·Yan Zhu
Two Free Websites That Show You Which Australian Suburbs Are Actually Affordable
A $500,000 house is not necessarily more affordable than an $800,000 house. I know that sounds like something a salesperson would say to justify a higher price. It is not. It is a mathematical fact, a
- 25 July 202512 min read·Joey Don
Why Business Owners Are Actually Poor — and How Property Assets Change Everything
You might turn over $2M a year and still be poor. The distinction between active income and passive assets is the single biggest blind spot for successful entrepreneurs — and property is the vehicle t
- 18 July 202513 min read·Yan Zhu
Tasmania Property Is Speculation, Not Investment. Here's the Difference.
Everyone who made money in Brisbane, Perth, and Adelaide is now pointing at Tasmania and saying 'I told you so.' But most of them couldn't distinguish investment from speculation if you drew them a di
- 10 July 202511 min read·Yan Zhu
The Impossible Triangle of Property Management: Why Your PM Is Failing You
The Australian property management industry is structurally broken. When one manager oversees 170 properties, something has to give: speed, quality, or cost. Most agencies sacrifice all three. Here is
- 2 July 2025约 11 分钟阅读·Joey Don
我怎么帮一对年收入 $120K 的夫妻,两年里买下三套投资房(同一笔首付,用了三次)
被问得最多的问题不是该在哪个城区买房,而是:为什么跟你差不多年纪的人已经有三四套房,而我还在攒第一套的首付?今天我用一个客户的真实案例来回答,每一分钱都算给你看。
- 20 June 2025约 9 分钟阅读·Joey Don
把聪明人变成「财务苦力」的三个买房决定
我亲眼看过上百位聪明、勤奋的人做出三个具体的买房决定,结果给自己判了十几年甚至几十年的财务苦刑。每一个错误都是可以避免的。每一个错误,现在都还在被人反复犯。
- 19 June 2025约 11 分钟阅读·Yan Zhu
澳洲总理刚把自己的投资房卖了。你该慌吗?
政客们在折价抛售房子。李嘉诚在市场崩盘前几年就悄悄撤出。当手握最佳信息的人开始卖的时候,我们普通人确实应该留意——但不一定要跟着卖。
- 4 June 202511 min read·Yan Zhu
Point Cook Property at $930K: I Ran the Numbers. Here's Why I'd Pass.
A subscriber asked me to analyse a Point Cook property — 620 square metres, four bedrooms, $930K. On the surface, it looks solid. Beneath the surface, the numbers tell a different story.
- 3 June 2025约 11 分钟阅读·Joey Don
高净值墨尔本策略——为什么分散在中端城区比一栋奖杯房更胜一筹
有钱的买家本能地选择在高端城区买一栋贵房子。数据显示恰恰相反的策略——两到三套中端房产,翻新到最高收益率——在增长、现金流和风险三个维度上,都击败奖杯路线。
- 8 April 202511 min read·Yan Zhu
Tasmania's Houses Grew Less Than Melbourne's Apartments. Yes, Really.
I've been warning people about Melbourne apartments for years. Then I pulled the ten-year data on Tasmania and nearly fell off my chair. The houses — not units, not apartments, houses — in Tasmania gr
- 1 April 202511 min read·Yan Zhu
I Left a $300K Actuary Career for Property. Here's the Maths Behind That 'Crazy' Decision.
Everyone said I was mad. A qualified actuary with a clear path to $300K per year, walking away to become a buyer's agent with no base salary and no guaranteed income. But I'd read Taleb, I'd run the p
- 7 January 202510 min read·Yan Zhu
Australia Just Banned Foreign Buyers. Here's Who Actually Benefits (Hint: Not You).
The headlines scream 'housing crisis solved' every time the government announces restrictions on foreign buyers. But foreign purchasers account for just 2% of Australian property transactions. So who
- 12 November 202411 min read·Yan Zhu
Is a $1.25M House in Bulleen Worth It? I Ran the Numbers.
A follower sent me this listing last Tuesday. Bulleen, northern suburbs, 580 square metres, four bedrooms, three bathrooms. Listed at $1.25 million. My first reaction was that the land-to-price ratio
- 17 September 202412 min read·Yan Zhu
One Property, Two Rent Cheques: The Monaro Crescent Granny Flat Build
I drove past the site last week. The landscaping is in, the tenants have moved into the granny flat, and the first rent payment has landed. This is the point where the spreadsheet becomes reality and
- 23 July 202411 min read·Yan Zhu
Granny Flat Build at Vivien Court: From $550 to $900 a Week in Rent
I filmed this walkthrough standing in a freshly poured slab that was still warm from yesterday's pour. The granny flat at Vivien Court is three months into construction, and the numbers have already b
- 28 May 2024约 12 分钟阅读·Yan Zhu
你的投资人画像配什么房？一套数据驱动的匹配框架
投资房最贵的一个错误，不是买错城区，而是把对的房子配给了错的投资人。退休人士去碰开发地块，刚入门的去搞翻新工程，高收入者却买了一套零退税意义的物业——这种事我见太多了。房子本身没问题，是匹配错了。
- 2 April 202412 min read·Yan Zhu
How I Score Suburbs Before Investing a Dollar: The 8-Factor Framework That Filters 95% Out
I evaluate roughly 40 suburbs a month. I invest in about 3 of them across the entire year. That's a 99% rejection rate. Not because I'm picky for the sake of it — because most suburbs fail a systemati
- 6 February 2024约 13 分钟阅读·Yan Zhu
真正决定房价的是什么(不是供需关系)
澳洲每一个房产评论员都会告诉你同一句话:需求大于供应价格上涨,供应大于需求价格下跌。听上去很合理,却严重不完整。如果供需就是全部真相,那么每一个高需求城区里的每一套房都会是同一个价格。事实并非如此,差得远。
- 12 December 202314 min read·Joey Don
The Complete Guide to Buying a House in Australia (Every Step, No Jargon, No Surprises)
Every week someone asks me the same question: where do I even start? They want to buy a house. They know it involves money and paperwork. Beyond that, the process is a black box. Banks, solicitors, in
- 14 November 202311 min read·Joey Don
Five Types of People Who Are Born to Build Property Wealth (And Why Everyone Else Stalls)
I have helped buy over 350 investment properties across Melbourne. Some clients turn one house into a portfolio of six within three years. Others buy once and never move again. The difference is not c
- 19 September 202311 min read·Yan Zhu
The Impossible Triangle of Property Management: Why Your PM Fails and What to Do About It
The average Australian property manager handles 170 properties. At that ratio, your manager spends approximately 11 minutes per week on your $700,000 asset. That is not management. That is neglect wit
- 25 July 2023约 10 分钟阅读·Joey Don
藏在你房子里的六年税务时钟：一条可能帮你省下 $127,000 的规则
上个月,David——一位IT经理——走进办公室时已经做好了要交 $127,000 资本利得税的心理准备。当我把六年规则讲给他听,他沉默了五秒,然后说:「原来规则真是这样运作的?」没错。而且大多数会计师不会主动告诉你。
- 30 May 202312 min read·Joey Don
Six Houses in Three Years: How a Regular Nineties Kid Built a $6 Million Melbourne Portfolio
This is not a get-rich-quick story. It is a get-rich-methodically story. Six houses, three years, roughly $6 million in total value. All on regular income. All on-market purchases anyone could have ma
- 2 October 202210 min read·Yan Zhu
They Built a Granny Flat and Their Pension Jumped by $18,000 a Year. Legally.
A retired couple walked into my office with $700,000 in assessable assets and a pension of $28,000 per year. They walked out with a plan to build a granny flat using $200,000 from superannuation. That
- 4 February 202210 min read·Joey Don
What a Year of Cold Calls Taught Me About Property Negotiation
I left a comfortable IT career to become a buyer's agent. The first year nearly broke me. But the sales lessons I learned transformed how I negotiate property deals for clients.
- 9 June 202110 min read·Yan Zhu
I Nearly Became an Actuary. It Taught Me the Only Property Rule That Matters.
Two hundred students entered Melbourne University's actuarial program with me. Fewer than ten made it through. The survivors learned one thing above all else: build in a safety margin for everything.
- 12 October 202010 min read·Joey Don
Victoria's New Commercial Property Tax Is the Biggest Reform in Decades. Here's What It Actually Means.
The Victorian government just announced the biggest change to commercial property taxation in decades. CIPT replaces stamp duty with an annual tax. Sounds good on paper. The reality is more complicate