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FIND YOUR COMPETITIVE ADVANTAGE AT A GLANCE, WITH LASER FOCUS ON YOUR INVESTMENT OBJECTIVES.
IG membership lounge brings together essential data for your existing portfolio, summarises your current position, and gives insights and guide to your next steps.
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Property has proven to be a great investment vehicle to grow wealth. But uninformed, it is very easy to make a poor buying decision and set yourself back financially many, many years.
Whilst property investment is not 'rocket science', it is specialised.
TIME, IF YOU MAKE IT WORK FOR YOU, CAN BE YOUR FINANCIAL SLINGSHOT to get ahead and stay ahead for the rest of your life.
Earning income whilst we sleep peacefully is essential to get ahead, and it's the compelling attraction to investing.
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Fact Find to identify your PAS (Sample Data Only)
Property Portfolio
14 St Andrews Avenue
Isle Of Capri,QLD,4217
The equity position based on the current estimated value of my investment portfolio including my home is as follows:
Total Property Equity
$2,770,000.00
St Andrews
surfers paradise,QLD,4217
$550,000.00
Hamilton Avenue
Surfers Paradise,QLD,4217
$100,000.00
Cowper Wharf
Wooloomooloo,NSW,2000
$320,000.00
Arden Street
Coogee,NSW,0
$1,800,000.00
Current Property Equity
Above is your Portfolio Value.
We need to establish a Net Asset Position as a dollar value, to understand the true accumulating wealth. Net Asset Position is the result of the Estimated Value of the Assets less the liabilities (Loans)
We calculate the Loan to Value Ratio (LVR) of your assets, as this is an essential ratio that has a considerable bearing on decisions future lenders will make.
Current LVR (Property): 47.74%
Below is the equity that can be made available if properties are kept on or below 80% LVR. This dollar figure enables us to determine what potential amounts might be available to put to work as deposit funds, to purchase further property assets that will appreciate in value.
Where possible we always aim to keep below 80% LVR, as lenders are better disposed to lending and there is no need for Loan Mortgage Insurance (LMI).
Equity available at 80% LVR for possible use as Deposit on New Properties (Sum of Cash, Shares, Other Assets at 80% LVR)
Aquisition of properties is always subject to income, serviceability and lender criteria.
Property is typically a long term investment strategy, so purchasing property in a SMSF (Self Managed Super Fund ), can be advantageous.
Even if property does not play a part, the figures in a superannuation Fund are important to note as the fund has a bearing on the objectives of other complimentary property investments.
Aquisition of properties is always subject to income, serviceability and lender criteria.
- Cash
- Shares
- Property
Once you are back up off the floor, we can break down the figures, so have a clear plan to work to and then we have a solution
Your current shortfall gap is $ 1,245,000.00
2.21
21.07
Time is our most valuable asset for a number of reasons.
Firstly the longer the time period, the more the long term average will be reflected. Time will iron out the positive and negative ‘blips’.
Most importantly time delivers the power of Compound Growth.
The Rule of 72 - At just 7.2% per annum growth property doubles in value in 10 years. In 20 years at 7.2% growth, property will have quadrupled in value. ($400,000 becomes $800,000 becomes $1,600,000)
Capital Growth is really the only Question mark, as cash return (rent and tax) is known!
So to achieve the income objectives you want, based on the figures shown in the graph above you will need to own 2.21 more investment properties than you currently own. In order to achieve the level of equity you require to satisfy the 75% property component in your balanced investment strategy, we will need to work to a plan to achieve that in the time period below.