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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

 

Current Cash Position
$10,000.00
Current Share Value
$75,000.00
Current Property Value
$5,300,000.00
Superannuation & Other Asset Value
$ 250,000.00
Total Value of all Assets
$ 5,635,000.00

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)

Available as deposit funds from property
$ 1,710,000.00
Available as deposit funds from Cash & Shares
$ 68,000.00
Total available as deposit funds
$ 1,778,000.00
Estimated Purchase Capacity @ 80% LVR (inc. estimated costs)
$ 8,890,000.00
Average Property Value Assumed
$ 400,000.00
Estimated Costs
$ 22,000.00
Possible Investment Property acquisitions
21.07

Aquisition of properties is always subject to income, serviceability and lender criteria.

Is there a SMSF property aquisition strategy?
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.
Current LVR (Property)
0%
Equity available at 75% LVR for Deposit on New Properties SMSF at 75% LVR
SMSF Value
$ 250,000.00
Available as deposit funds from SMSF property
$ 0.00
Available as deposit funds from SMSF (Cash to hand)
$ 250,000.00
Estimated Purchase Capacity @ 75% LVR (inc. estimated costs)
$ 1,000,000.00
Average Property Value Assumed
$ 400,000.00
Estimated Costs
$ 22,000.00
Possible SMSF Property acquisitions
2.37

Aquisition of properties is always subject to income, serviceability and lender criteria.
Let’s look at the value of Property in a SMSF by comparing the potential typical returns of Cash, Shares and Property. The key issue is the ability to borrow significant funds to purchase real property. And the returns are based on the total value, whilst the working capital is only a small percentage of the total value, so the returns on working capital stand to be substantially higher in Real Property
  • Cash
  • Shares
  • Property
Before we demonstrate the significant benefits and impact of property in your SMSF versus alternate SMSF investment options, we recommend you watch the SMSF videos here and speak with a financial planner and / or a SMSF financial advisor.
When we are working through the goals and ideal future financial objectives, this is where the real insights start to show themselves. Once we establish what you want to enjoy as an annual income in the future, with the existing position data already input, we can fairly quickly reveal what is required to achieve the lifestyle and incomes you desire.
Years to Work
15.00
Income Required
$ 150,000.00
Target Inv Assets
$ 3,000,000.00
Home Loan
$ 800,000.00
Investment Target
$ 3,800,000.00
Existing Cash
$ 10,000.00
Existing Shares
$ 75,000.00
Existing Inv Assets
$ 2,220,000.00
Superannuation
$ 250,000.00
GAP
$ 1,245,000.00
Can you save $ 1,596.15 each week starting this week?
With the wish-list now in place, we can start to engineer and fashion the stepping stones to achieve the goals. Now we can generate a road map, and some workable and achievable timelines.
Tweak your figures and see the impact:
 
Where you are (Current) versus where you need to be (Target)
The shortfall gap ($1,245,000.00) represents where you need your assets to be in the future versus where your assets are currently.
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

We believe a healthy and balanced, diversified investment portfolio should comprise
75%
Property
Equity / Defense strategy and longer term hold
20%
Shares
Semi Liquidity
5%
Cash
Short-term, low-risk, low-return, highly liquid
Property
@ 75% of the GAP
= $ 933,750.00
(With average property value of $ 400,000.00 you need to purchase 2.21 properties)
Shares
@ 20% of the GAP
= $ 249,000.00
(Broker/Fin Planner)
Cash
@ 5% of the GAP
= $ 62,250.00
(With average property value of $0.00 (Reserves - can't save your way there)
GOAL

2.21

CURRENT CAPACITY

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!

Capital Growth
3.00% (Ugly)
4.50% (Bad)
6.00% (Good)
7.20% (Outstanding)
Inv. Property Value
$400,000
$400,000
$400,000
$400,000
10 Year Value
$537,566.55
$621,187.77
$716,339.08
$801,692.54
10 Year Equity
$137,566.55
$221,187.77
$316,339.08
$401,692.54
Return PA
$13,756.66
$22,118.78
$31,633.91
$40,169.25

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.

7
6
5
4
3
2
1
+1 = 5
2021
+2 = 6
2022
+3 = 7
2023

Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. They are neither a quote nor a pre-qualification for a home loan.