Australian real estate has long been called the “safe bet.” We’ve all heard it , “Just hold for 10 years, property always doubles.” It’s been gospel for generations.
However what’s never said out loud is this: The money supply, both M2 and M3, also doubles approximately every 10 years, in some cases much higher. Which means the cost of living, goods, and assets like property also inflate with it. So, are property values really rising due to performance, or is it just a reflection of our inflating currency?
📈 Comparing Long-Term Returns: Investment Property vs Bitcoin
If you’re new to the Bitcoin landscape, it’s worth looking at Bitcoin’s historical performance.
Let’s compare:
- Australian Property CAGR: ~7% over the last 30 years
- Bitcoin CAGR: 72.21%
Bitcoin has outpaced every traditional investment, including stocks, gold, and real estate, even with its volatility the financial economic dragons scare you about.
💰 Real Example: The Power of Bitcoin Compounding
Let’s say an Australian earning the average wage of $80,000 allocates 10% annually ($8,000) to Bitcoin and increases that contribution by just 2% each year to mirror what they say our pay rises should be:
At 72.21% CAGR, after 10 years they would have: $5.6 million AUD in Bitcoin. Equivalent to 5 fully-owned Australian properties, but without any debt.
🤯 The Brutal Truth Behind Australian Property Ownership
We’re sold the dream of a property portfolio, but here’s the reality:
- Owning one property now costs 8–10x the average income
- Try to leverage into a second, and you’ll likely fail serviceability criteria
- While it’s sold as possible, it’s almost impossible for the average Australian
Wealth Breakdown in Australia:
- 56.7% of household wealth is tied to real estate (CoreLogic, 2024) – Over half of Australia’s wealth is in Real Estate.
- Baby Boomers (1946–1964) own 53% of Australia’s total wealth – Over half of the wealth is owned by Baby Boomers.
- Their average housing wealth: $1.30 million per household
- Boomers own $4.9 trillion in assets, largely in real estate
- Their high homeownership rate has locked younger generations out
So when you’re told you just need to “work harder and save smarter, and stop buying breakfast at cafes”… understand that you’re being sold a story that doesn’t match economic reality.
🔥 The Real Cost of Real Estate – What they don’t budget with you before you buy
Let’s compare Bitcoin vs Real Estate ownership:
💸 Real Estate Comes With:
- Annual council rates
- Land tax
- Real estate agent commissions
- Leasing fees
- Mortgage application & refinancing costs
- Interest rate fluctuations
- Property maintenance
- Building insurance
- Tenant disputes
- Mandatory inspections (gas, electrical, etc.)
- Debt, leverage, and time-based risk
- In many cases you are running a negatively geared investment (Running at a loss) for a tax benefit. Essentially you’re getting back $0.30c for every $1.00 and losing money.
⚡ Bitcoin Comes With:
- No property taxes
- No middlemen – Take full custody
- No ongoing maintenance besides a once off signing device. DM us for help.
- No tenants
- No debt
- No council or government approvals
- 24/7 liquidity
- Global access
- Self-custody, no banks
🚀 Final Thought – Do you think you’re late to Bitcoin?
Bitcoin is not just an investment, it’s a revolution so early in it’s timeline, that we are only 4 halving’s into a 32 halving schedule.
It’s permissionless, deflationary, borderless, and open 24/7.
If the dream is time freedom, debt freedom, and financial sovereignty,
Bitcoin is the vehicle with the highest historical probability of getting you there.
Start with 10%.
Stack consistently.
Watch the compound effect take over.
At BTCCLUB, we love questions like this, they push us to think deeper and create frameworks that help people see Bitcoin not just as a price, but as a protocol.
If you would like more information on how we dollar-cost averaging and which Bitcoin exchange we use, download this free one-page setup guide: Click Here to Download Free
Here are the Australian Bitcoin exchanges we use:
AmberApp – Join with code BTCCLUB to get $10 of free Bitcoin with your first deposit.*
Hardblock – https://www.hardblock.com.au/join/btcclub
Bitaroo – https://www.bitaroo.com.au/
Every blog we write is designed to be your Bitcoin arsenal. If a mate says Bitcoin is a Ponzi, or real estate is the only retirement plan, send them to our case studies covering real experiences in real estate, stocks, ETF, gold, business and more, about why Bitcoin is the true winner.
We do this because we believe in Bitcoin-only adoption for Australia. No crypto, no casino coins — just Bitcoin.
If this content helps you or you want to support our mission, here’s how:
- Share this blog. Spread the word.
- Support via Value4Value. If this helped you, support value4value at santoshi@walletofsatoshi.com or become a member.
The Bitcoin future is earned block by block. Make yours count.
Peace and Love. Thank you Satoshi
