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Posted by Garick Giroir on June 30, Cars and houses are two basic needs that, when bought back-to-back, might result in negative consequences.


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Updated June 25, Starting to earn some money but not sure what you should be doing with it? We've asked some experts about some investing options.

If you're just entering the workplace or have been working for a couple of years, it can be tough to know what you should be doing as you start to see the paycheques coming in. Of course, spending it all on an overseas holiday or on a one-off purchase is pretty tempting, so we've asked the experts what are some responsible alternatives. It follows a of people writing into the ABC Personal Finance project asking us about investing while they are young. Sarah Parkinson was one of them, asking: "should I start buying shares now, or wait until I have bought a house first?

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I'm assuming here that a house is as good an investment. Is it? So we've had a look at investing in shares and other investment options you could consider, depending on your own personal situation and risk appetite. We don't give financial advice and there is no blanket rule but most experts agree that the important thing is to have some kind of financial goal early on.

And because of the gender pay gap, that is even more important for young women than it is for young men. A of reports have found that economic disadvantage places them at increased risk of poverty as they age and impacts their health and safety. In discussing the pros and cons of some major financial goals, we've spoken to five experts: Griffith University lecturer Laura de Zwaan, University of Tasmania finance lecturer Maria Yanotti, University of Western Australia associate finance professor Lee Smales, Curtin University senior ing lecturer Nigar Sultana and Adelaide business school marketing professor Arvid Hoffmann.

This article contains general information only. It should not be relied on as financial advice. You should obtain specific, independent professional advice from a registered financial planner in relation to your particular circumstances and issues. It's the Australian dream. And it seems like the most obvious option for people looking to invest their money.

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If you're looking at buying a property to live in, it might not have the tax advantages of an investment property, but it does have the advantage of providing a roof over your head. There are also non-financial considerations involved in deciding whether to buy your own home — including stability, longer-term planning, flexibility of doing your own home maintenance, no-one to answer to except maybe your bank and freedom to use the space how you want.

On the other hand, if you're looking at an investment property, Dr Smales says it's become a very popular type of investment in Australia for two key reasons. Firstly, house prices have generally gone up quite ificantly over time particularly in Sydney and Melbourne. And secondly, there are quite generous tax advantages in terms of negative gearing and capital gains. Dr de I got house car but no girl to live with points out the "biggest pro with buying a house is you will be accumulating an asset that should appreciate in value over the long term ".

But she suggests you take time to look at all the costs associated with your investment. She says that young people should be looking at "saving as much as they can for a deposit" whether it be for a home to live in or an investment property.

Dr de Zwaan pointed out the Government's proposal to drop the required deposit to 5 per cent from January 1 next year without invoking costly lenders mortgage insurance, could help make this goal seem more achievable. Dr Sultana agrees that saving is important and adds you should also consider your risk appetite and your stage of life.

She says when you're just starting out in your career, it's important to consider whether you're ready to jump into a mortgage. But if you're thinking about getting an investment property, she warns there is evidence of a "home bias" in residential real estate in Australia.

Basically, most property investors tend to invest in residential property close to their place of residence. Her tip? She says a good strategy is then to think of aiming for an investment property with good returns — whether that be buying in a growth area or one where you can get good rental yields — and which is affordable.

You've probably heard the old adage that a car loses value as soon as you drive out of the dealership. For the sake of comparison, weighing up whether to buy a car or a house first might depend on how much you have saved and your income. If a house seems like more of a long-term investment, it might make sense to wait and perhaps I got house car but no girl to live with a car first, especially if it's the only way to get around. Given a car is a depreciating assetyou've got to be really careful, particularly when thinking about getting car loan finance.

Dr de Zwaan said if a car was a necessity, then you "should save to purchase it". And if you're borrowing to buy a car, Dr de Zwaan says to remember that cars come with a lot of additional costsincluding stamp duty, rego, CTP insurance, third-party property insurance, repairs, servicing, fuel and parking.

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Dr Sultana says a lot of us have a fear of the share market. But she says if you've done your homework and you're with a proper financial planner who can help you, "you can actually invest in a firm where your money will grow". Dr de Zwaan agrees, saying it could be a good option if you're able to "withstand the ups and downs and are looking at long-term investment".

Dr Smales says a lot of academic research has shown that it is difficult to pick individual stocks that out-perform the market, which is known as active investing. He suggests that for those who aren't as familiar with the market, another option is investing in a diversified portfolio of stocks that tracks the index, known as passive investing.

Kate asked us to look at investing:

Ms Yanotti says the trick is to start with small amounts and probably play relatively safe until you learn more and are more ready to take larger risks. There are also apps out there which are aimed at helping you get started, but always do your research before spending your money with them. Ms Yanotti says investing in your own side hustle or small businesses can spark the entrepreneurship side of us. Professor Hoffmann says it's always worth considering the costs and tax implications, as many people operating in the online space might not realise they are liable for tax. On top of that, it's also worth looking at insurance and compliance costs associated with running a business.

On the idea of side hustles, Dr de Zwaan says most will not make a great deal of money. More study might not sound that enticing if you've just finished school or spent four years doing a uni course, but there are some advantages to furthering your education. You can develop further skills and increase your employability and it can also be a good option for those of you already considering a career change. Professor Hoffmann says this is a really worthy financial goal when you're young, as long as you consider whether there are enough jobs in your chosen industry and the long-term costs.

For those of you who have already completed your studies and aren't looking to upskill, you could consider paying off your existing HELP debt.

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Experts advise that you are better off paying "bad debts" — such as personal loans for a car or a holiday, or a credit card that typically has higher interest rates — first. But if you don't have any, HELP could be your next option. Basically, the debt is raised each year in line with the cost of living. Last year, the indexation rate was 1.

Can't decide between a car or a house? these are some other financial goals to consider

Some people to choose to pay their HELP debt off earlier because student debt can affect how much you can borrow for a house. This is probably the least risky of all the investment options and might be best suited to you if you're a bit risk averse with your money.

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There are a couple of ways that you can invest your money in the bank, including in term deposits or more everyday high-interest bank s. Dr de Zwaan says if people do have savings, they should keep it in a high-interest savings.

Professor Hoffmann says it's important to match the risk and return characteristics of your financial instrument to your goal. Ms Yanotti says interest rates are quite low at the momentso you would expect other investments to have better returns than a term deposit or a savings .

Option: buy a house

Professor Hoffmann says this might not always seem like the best option, especially given the low-interest environment, but it might also be worthwhile if you're looking at creating an emergency fund. Investing in cryptocurrency seems to have become all the craze in recent years, despite it not having initially been created as an investment vehicle.

And as the last year has demonstrated, the Bitcoin bubble eventually poppedas people became nervous about the underlying value, possible government crackdowns and a series of high-profile hacking incidents. As law lecturer Philippa Ryan wrote in the Conversationcryptocurrencies are mostly created by anonymous entities, are currently unregulatedand may not always refund money upon request or allow the resale of tokens.

Professor Hoffmann offers the same warnings, recommending people "stay away from it unless they think they really understand it". Dr de Zwaan says topping up your superannuation contributions can be of huge benefit later in life. But she says it's worth considering how much you're putting towards it since there are restrictions on accessing it until you retire. Professor Hoffmann agrees, saying putting some extra money aside for your super and making it a habit every fortnight, even I got house car but no girl to live with it's just a small amount, is also a good way of building a savings habit.

But it's worth remembering, that once you invest in super, you can't really pull it out again until retiremen t. One exception is the first home super saver FHSS scheme, which allows first home buyers to save a home deposit within their super fund.

The scheme came into effect on July 1,and allows any personal voluntary contributions you make to your super to be withdrawn to help buy or build your first home — although contributions to defined benefit super funds are not eligible for release under the scheme. Although some changes have been made to the scheme, so it's worth checking them out here. Starting to put some money aside earlier might also help later in life if you need to take time out of work to start a family. It highly likely you won't be getting paid any super during that time.

If you're in that situation, experts suggest looking at non-concessional super contributionswhich are after-tax super contributions because you have already paid tax on the money. At the end of the day, it's worth making sure you're in a financially stable situation, having paid off your debts and with some savings and an emergency fund in place before you think about putting money away for the long-term future.

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We know you have unique challenges as overall, research has shown that young women :. It's time to change things.

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We want to help you to become more confident about money and have the skills and information you need to shore up your financial future. Send in your questions about money using the form below and we'll try to get our journalists to find you an answer. Topics: business-economics-and-financecommunity-and-societymarketsstockmarketbankingsuperannuationeducationlifestyle-and-leisureaustralia. First posted June 21, If you have inside knowledge of a topic in the news, contact the ABC.

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