Commentary topic
Buying is a moment; holding is a long series of financial and practical decisions. These pieces examine the pressure, records and choices that shape a property outcome after settlement.
Selected published reading on this subject.
The Kilroy View · HOLD
A large portfolio can create the appearance of wealth while hiding financial fragility. Mark Kilroy explains why equity, cash flow, liquidity and HOLD capacity need to be considered together.
Who Actually Pays? · HOLD
Australia needs a National HOLD Strategy, argues Mark Kilroy. Drawing on the lesson that buying an asset is only the beginning, he proposes separating national money into four clear pots: today's services, productive assets for tomorrow, wealth held for future generations and debt reduction. A proposed Australian Citizens Fund and individual Australia Share would convert part of the temporary income from resources, land and technology into permanent national ownership, reported each year through an Australia Statement.
Before You Sell · Ownership Economics
For thirty years Australia ran a housing market on a single assumption — that investors could survive weak cash flow long enough to harvest long-term capital growth. Negative gearing and the CGT discount were the bridge. That bridge is now being dismantled from both ends, and the consequences run deeper than the fairness debate.
Who Actually Pays? · Ownership Economics
Most property commentary focuses on purchase. In practice, outcomes are decided later, during the hold, when cash flow pressure shapes behaviour and housing supply.