EPISODE 2 23 Apr 2026

Property Portfolio Diversification: Building a Stronger, More Resilient Portfolio

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Putting all your eggs in one basket can limit your growth — and expose your portfolio to unnecessary risk.

In this episode of Property Investing Roadmap, host Damian Collins dives deep into property portfolio diversification and why owning the right mix of assets matters more than simply owning more properties.

Joined by Robin Ram, Department manager – Property Advisory, Acquisition & Research at Momentum Wealth, this conversation unpacks how investors can spread risk across locations, property types and market cycles to build portfolios that perform through different economic conditions.

From geographic diversification and dwelling selection, to navigating interstate investing, tenant legislation and even blending residential with commercial property, this episode provides a practical roadmap for investors at every stage — from first purchase to long?term portfolio scaling and retirement planning.

What you’ll learn:

  • What diversification really means in a residential property portfolio
  • Why buying multiple properties in the same suburb or city increases risk
  • How geographic diversification can smooth growth across market cycles
  • The pros and cons of investing interstate
  • Key differences in tenancy laws, compliance and holding costs between states
  • How land tax, minimum standards and legislation can impact cash flow
  • Why property type diversification matters (land, houses, apartments, development sites)
  • How oversupply and investor-heavy suburbs affect rental performance
  • The importance of tenant demand, liveability and owner-occupier appeal
  • Common mistakes investors make when diversifying without proper research
  • Why “top 10 suburb” lists can be misleading
  • How to manage the risks of investing in locations you can’t physically visit
  • Practical tools to monitor and protect interstate investments
  • The role of landlord insurance and professional property management
  • When it may make sense to diversify into commercial property
  • Key differences between residential and commercial risk, return and vacancy
  • How commercial property funds can offer diversification at lower entry points
  • Why diversification strategies evolve as investors approach retirement

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Want help building a diversified property portfolio aligned to your goals?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long?term performance in mind.
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SUPPORT FOR INVESTORS

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T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guests are representatives of Momentum Wealth Property Advisory Pty Ltd, Licensed Real Estate and Business Agent A82976.

 

Presenters

Robin Ram

Department Manager – Property Advisory, Acquisition & Research, Momentum Wealth

Beginning his career as a property management assistant and sales representative, Robin has since garnered over two decades of experience in various areas of real estate strategy and management. At the age of 20, Robin became WA’s youngest holder of a triennial license and also holds diplomas in Business Management for Real Estate and Management, along with certifications in Real Estate and Training and Assessment. Robin has a broad skill set and has worked in sales, agency management, training, and business development, including running his own residential-focused office. Now, as the leader of Momentum Wealth’s Property Acquisitions and Research division, he uses proven research methodologies to help identify valuable investment opportunities for the company’s clients.

Damian Collins

Host, Property Investing Roadmap
Managing Director, Momentum Wealth
Chairman, Westbridge Funds Management

Damian Collins is the Founder and Managing Director of residential property advisory, Momentum Wealth, and Chairman of Australian property funds management company, Westbridge Funds Management. Damian is the author of the Amazon Best Seller, Property Investing Roadmap: How to build an income from property for life and host of the Property Investing Roadmap podcast. He is a well-known advocate across Australia’s real estate industry, previously serving as President of the Real Estate Institute of WA (REIWA) from 2018 to 2022 and as a Director of the Real Estate Institute of Australia. Having been an active property investor himself for over 30 years, Damian continues to apply his extensive experience to help fellow investors grow wealth through direct and syndicated property investments.