{"id":14999,"date":"2020-05-20T09:53:41","date_gmt":"2020-05-19T23:53:41","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=14999"},"modified":"2020-05-20T10:02:46","modified_gmt":"2020-05-20T00:02:46","slug":"working-from-home","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/working-from-home\/","title":{"rendered":"Will \u2018working from home\u2019 change how we invest in property?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"15000\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/working-from-home\/working-from-home-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/05\/Working-from-home-email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Working-from-home-email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/05\/Working-from-home-email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/05\/Working-from-home-email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/05\/Working-from-home-email.png?resize=1000%2C250&#038;ssl=1\" alt=\"working from home\" class=\"wp-image-15000\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/05\/Working-from-home-email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/05\/Working-from-home-email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/05\/Working-from-home-email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>If many employees continue to work from home, then\nperhaps demand for property in close proximity to capital city CBD\u2019s will fall.\nAnd conversely, perhaps demand for property in regional centres that are well\nserviced by pubic transport (trains) will increase. This encourages us to\nconsider whether the work-from-home movement will change the way we invest in\nproperty. &nbsp;<\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/656695?theme=light&#038;enable-volume=true\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">Covid forced us to work from home <\/h3>\n\n\n\n<p>Most employees have been required to work from home over\nthe past few months due to the COVID shutdown. Of course, for most businesses, mobilising\ntheir entire workforce at short notice created a number of teething issues. But\nmost businesses have adjusted to the \u2018new normal\u2019. They have resolved most\noperational issues and staff, in the main, are enjoying the flexibility that\nworking from home provides. <\/p>\n\n\n\n<p>Of course, this is not true for all businesses and\nemployees. Working from home suits some roles, employees and industries better\nthan others. <\/p>\n\n\n\n<p>Some of the benefits of working from home include improved\nproductivity due to fewer distractions. The elimination of travel time means\nemployees can spend more time with family and\/or complete more work. Therefore,\nit seems to provide benefits for both the employer and the employee. <\/p>\n\n\n\n<p>In fact, <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/may\/12\/twitter-coronavirus-covid19-work-from-home\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Twitter<\/a> is the first global businesses to confirm it will now allow employees to work from home permanently. Senior public service leaders in Canberra and many states and territories around Australia are also contemplating more permanent work-from-home policies too. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">But it has its downsides <\/h3>\n\n\n\n<p>Of course, it\u2019s not all positive. There are some\ndownsides to working from home. These include not having a suitable workspace\nand limited face-to-face contact with clients and co-workers. <\/p>\n\n\n\n<p>Research conducted by Dutch social psychologist, Geert\nHofstede highlighted that human connection and relationships in the workplace\nare big contributors to job satisfaction. We have all come across people that\ndislike their job\/employer but stay because they enjoy the people they work\nwith. The reverse is also true i.e. people have left a role because they\ndisliked the people, they worked with even though they make have loved the job.\n<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Impact on demand resulting from working from home<\/h3>\n\n\n\n<p>Of course, if more employees work from home permanently \u2013\neither on a full-time or part-time basis, demand for office space will fall,\nwhich will likely have negative consequences for commercial real estate. But\nwhat about the residential property market? <\/p>\n\n\n\n<p>If people choose to work from home, then they no longer\nhave to commute to their workplace. This gives them more options in terms of\nwhere to buy a home. For example, a greater share of the population may be more\nattracted to regional cities and towns, particularly as housing is more\naffordable in these locations. If that is the case, demand for housing in\ncapital cities might fall, creating downward pressure on prices. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">There are many important factors that determine where we want to live &nbsp;<\/h3>\n\n\n\n<p>It is important to remind ourselves that our choice of\nwhere to live is influenced by many factors, and proximity to one\u2019s workplace\nis only one of those factors. <\/p>\n\n\n\n<p>Perhaps the most compelling consideration for families\nwith children is education. Living in a regional town might otherwise be\nattractive but if that means kids have a 1.5 hour each-way commute to school,\nit\u2019s probably not going to work. <\/p>\n\n\n\n<p>Proximity to family is also a persuasive factor when\ndetermining your home\u2019s location. This is particularly the case if you need to\nlook after your unwell parents or if parents provide pro bono babysitting\nservices. <\/p>\n\n\n\n<p>Other considerations can include proximity to health\nservices such as hospitals and amenities such as entertainment, shops,\nrestaurants and so on. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">You must invest in a location that benefits from diversified demand <\/h3>\n\n\n\n<p>When investing in property, selecting the right asset is\nparamount. You must only invest in locations and properties that benefit from a\nsustainable and diversified level of demand. <\/p>\n\n\n\n<p>I explain this concept to my clients by using the following\ntheoretical example: we want to invest in a property and location that\nnotionally has 20 potential buyers for ever one seller i.e. demand outstrips\nsupply. Those 20 buyers will be from various demographic and socioeconomic segments\nsuch as investors, first home buyers, upgraders, empty-nesters, retirees and so\non. These buyers could include executives on above-average incomes, self-employed\npersons, young professionals, self-funded retirees and so on \u2013 essentially you\nwant a diverse array of financial circumstances. <\/p>\n\n\n\n<p>Therefore, in this situation, if working from home\nbecomes more common and fewer people desire to live in a capital city, then\nnotionally, the pool of potential buyers might reduce from 20 to say 17. Irrespective,\nas long as demand is perpetually higher than supply (supply is fixed in\nblue-chip suburbs), it is likely you will experience price appreciation. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Of course, the work from home tend could have some implications &nbsp;<\/h3>\n\n\n\n<p>Naturally, there will be some geographical locations that\nwill be adversely impacted to a greater extent as result of an increase in work-from-home\nactivity. For example, families with limited earning potential and financial\nresources will probably benefit to a greater extent by moving to a regional\ncentre because their purchasing power is greatly improved. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Future proof your investment methodology <\/h3>\n\n\n\n<p>There are a few possible changes on the horizon that\ncould have a material impact on how and where we work and live, working from\nhome is one. Another is self-driving cars as they may lessen the burden of\ncommuting to work. Property investors must incorporate the risk of these\nfactors changing the future demand for property in their investment decisions. <\/p>\n\n\n\n<p>The best way to mitigate many of these risks is to level\nup on quality. That is, invest in the highest quality asset and location your\nbudget will permit. Just like with any asset class, your investment\u2019s quality\nwill directly determine its investment returns. That is, you cannot expect\nabove average returns if you invest in a below-average quality property. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do not compromise on asset selection <\/h3>\n\n\n\n<p>To use an analogy, when it comes to property selection, we are not just searching for a diamond, we want a pink diamond. Something that is in such short supply (scarcity) and perpetually high demand. Remember the three factors being scarcity in terms of location and property type, high land value component and a history of strong growth (<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/wealthcoach.com.au\/stage\/makes-proprty-investment-grade\/\" target=\"_blank\">see here<\/a>). \u00a0Do that, and your investment portfolio will weather most storms. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>This article appeared in The Australian newspaper on 19 May 2020 (<a href=\"https:\/\/www.theaustralian.com.au\/business\/wealth\/will-working-from-home-change-the-residential-property-market\/news-story\/2465e6436713eb9cdb8b8c2fca556660\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"here (opens in a new tab)\">here<\/a> &#8211; paywall). <\/em><\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>If many employees continue to work from home, then perhaps demand for property in close proximity to capital city CBD\u2019s will fall. And conversely, perhaps demand for property in regional&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[18],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will \u2018working from home\u2019 change how we invest in property?<\/title>\n<meta name=\"description\" content=\"Will \u2018working from home\u2019 change how we invest in property? Will demand for housing shift to regional centres? 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