How are you tracking with your Retirement Savings?

The purpose of bringing this to your attention is to make you aware of and cognoscente of the fact that something can be done!

There are always solutions; we only need to understand what that solution might look like which best fits your own situation and circumstances.

New analysis based on figures from the ATO on retirement savings demonstrate that men will have around $154,450 and women only $122,850 in their retirement balances between ages 60 – 64. Not much is it?

Sure you may have more, BUT the question is will it be sufficient to give you the life you want and deserve and for how many years will it last when you are unable to continue to save?

Wow, about 18% of 66 year olds are still working and this figure is likely to continue to grow. Meaning a lot of people have not catered sufficiently for their retirement. And 38% of 66 year olds are retired and living totally off their super and other savings. Difficult to estimate what percentage of these people will run out of money during retirement though.

You may qualify for the state pension, but can you really live the way you want to on this low amount?

You may also have a home which is paid for but costing you more than you are comfortable with in rates, upkeep, garden and home maintenance, electricity, water and more. This could be a drain on your retirement savings thus restricting you from doing what you always dreamed of doing in retirement.

There are solutions, you just have to reach out to us

We could go on and put more fear into you, this is not how we best serve our clients we rather focus on solutions. So if the above presents as a concern for you and you want more at retirement then reach out to us so that we may get a better understanding of where you are now, where you want to be and by when. Having this understanding is important to us and you as it will provide us with probable solutions and solutions that could ‘best fit’ your requirements which in turn will add new value to your retirement destiny.

Solutions are varied and may prove to be a mix of strategies from reviewing your family home, your super, savings plans, shares, properties and more.

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Brisbane Tipped for Strong Capital Growth

Brisbane & Pockets of South East Qld Tipped to be the strongest Property Market in Australia

“Investing in an area with very high and growing demand improves your opportunity for strong rental yields and capital growth potential we all agree”

Identifying these areas and expanding your investment potential into new geographic locations improve the opportunity of creating and securing more wealth, with online inquiry for property in Brisbane and South East Queensland on the increase … meaning astute investors are investing in locations from where they live Brisbane is tipped to be the strongest property market in Australia in the next five or six years. Leading real estate industry figure John McGrath described the Brisbane market as undervalued and predicted it would soon start to catch up to southern powerhouses Sydney and Melbourne. Mr McGrath, the founder of McGrath Real Estate, was speaking in Brisbane at a function on Wednesday and “very, very confident” in where the property market was right now, particularly in Southeast Queensland. “We think Southeast Queensland, and Brisbane is a focal point, is going to be one of the strongest markets in Australia.”   Click here  for full article and watch Adam Di Marco share words of Wisdom here enabling you to come to your own informed decision on where to focus your own research on
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SMSF Investment Property

Self Managed Super Funds and Investment Property

SMSF Property Investment

More people want to take control of their own Super destiny and wherever they turn, they are reading about “Leveraging and Investing in a Property within a SMSF.”

Compared to other asset classes which generally cannot be leveraged, it’s not hard to see why many investors are now ‘investigating and talking to a financial planner or you about buying property in their Super Fund.’  And we have not even mentioned the incredible Tax Advantages …

Over 2 years ago we predicted that Self Managed Superannuation Funds (SMSF’s) would become a big driver of the Australian property market.

Since then, other commentators and the finance industry as a whole have woken up to the trend, and have begun to realise the massive influence SMSF’s will have in the property market over the coming years.

Property investing under Self Managed Super Funds has entered the mainstream. In the last 12 months it seems like everywhere you look there are ads promoting property investment through SMSF’s – even on TV!

“Why invest in Property in a SMSF and what is so appealing to put a property into one’s Super?“

Leverage: the ability to BORROW money to get the bank and the tenant to help pay off a large slice of Retirement Savings + Tax Benefits !

 

SMSF lending is ‘limited recourse’… In other words, a borrower’s ability to qualify for a loan under an SMSF has very little to do with what they personally can (or can’t) borrow outside the SMSF. It means that even if an investor is personally maxed out on their borrowings outside their SMSF, they may still be able to borrow money for investing within their SMSF.

Most people still don’t realise just how big SMSF’s are becoming with more and more adverts and thus enquiry coming to the fore, values of property could rise according to demand!

Over the last 5 years, the rate of growth in SMSF’s has massively outpaced growth in managed funds. There are now close to half a million registered SMSF’s in Australia
SMSF owned Assets represent almost a third of all money in superannuation within Australia. Property is beginning to make up a large proportion of assets in a SMSF for obvious reasons! The property market is once again on the rise, population in Australia continues to grow, rental yields continue to increase … why wouldn’t you own a safe portfolio in bricks and mortar being mostly paid for by your tenant and the tax man with help from your bank!

Around $15.5 billion of SMSF assets are already invested in residential property, making up around only 3.5% of the estimated $439 billion in SMSF’s – the potential for the Property Market is Immense.

 

The opportunity to own a Positively Geared Investment Property in one’s SMSF is here, meaning after your initial deposit, whether you continue to contribute towards your SMSF or not, the income is higher than the outgoings. Another reason to invest in bricks and mortar.

 Are you aware that potentially it is not all coming up roses investing through other channels and you should be talking with property professionals who have your interest at heart. Not all property makes for a prudent investment!

 This is where we come in. By now you will have an understanding that we always put your clients first and that we have access to property Australia Wide; giving you choice and enough supporting information based on our own due diligence PLUS encourage you to undertake the same amount of their own due diligence prior to making an Informed Decision.

 Investment Property | SMSF | Leverage using the banks money and your tenants rent to contribute towards your retirement planning goals

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Self Managed Super Fund’s and Investment Property

SMSF and Investment Property

…what you would want to be aware of!

 

Investment Property in your SMSF

The STATE REVENUE OFFICE has clearly warned trustees of SMSF’s that he will be focusing on SMSF and investment property out of concern that trustees are making ill informed investment decisions on behalf of their SMSF’s!

 

The purpose of this blog is to remind you and enlighten you on the benefits of securing and investment property for your SMSF where the numbers actually stack up. This will mean you will be better off by thousands of dollars at retirement; by making an informed decision based on the underlying fundamentals and numbers underpinning the potential property.

The recent Financial Review article warns investors/trustees about two major issues in SMSF space with regards to investing in property; a most welcome article highlighting the fact that ‘trustees don’t seek advice upfront often leading to poor investment decision making which will attract the attention of the SRO’.

We urge you to take the view that if you are going to make an uninformed decision (which is unfortunately what most tend to do, putting emotion ahead of the financials) then perhaps you have an obligation as Trustee to your SMSF (and the Tax Office)  and thus take advantage of services such as ours prior to looking for your preferred investment property.

 

Does the property you are looking at have the correct Fundamentals in place?

The question is : “Are you giving yourself choice of an alternative solution to potentially make a better more informed and astute investment decision?”

An Investment decision that will benefit you by Thousands of Dollars. This is why more and more accountants, financial planners and mortgage brokers are now introducing their clients to services such as ours.

You will avoid the above pitfalls whilst we save you time, stress and probably money using our professional services, in working with you to help find what we call a ‘best fit’ investment property that matches your goals, investment strategy and overall SMSF and personal objectives.

 Did you know that securing a new property over an existing older one will result in your investment being thousands and thousands of dollars better off over the investment period?

See figures in example below :

SMSF Property

Increase the end value of your retirement by making an Informed Decision upfront

Your Investment  will be better off based on :

 demonstrating the above figures;   providing you with a selection of ‘best fit’ properties + due diligence and market reports on why these properties;   implementing our personal objectives of encouraging our clients to make an informed decision(using our industry knowledge, expertise and due diligence);  and inviting you to undertake your own due diligence on our recommendations.

  … the reality is that our system is deliberately designed to ensure that you will make more astute investment decisions!

  • than if you went to your local estate agent or a financial planner who is trying to flog you a property they have access to; both will tell you exactly what you want to hear so that you put down a 10% deposit and buy that property

 

Ask those in the know how you could maximise your Investment Returns

Our primary role is to explain how the numbers work, provide you with a selection of best fit properties that match your investment objectives, in your preferred locations (across Australia) and work with you so that you as the Trustee of your SMSF  make an informed decision whether that be a no or a yes, to options on the table.

There are other ways to perhaps achieve better results for your SMSF.

We look forward to your questions and feedback

Helping you grow your Retirement Value whilst exceeding your expectations of us. We assure you of our prompt and personal attention now and into the future.

 

Wanting to set up your SMSF?    Free consultationclick here

 

SMSF Property FundamentalsWhy a SMSF, tax advantages and Why an Investment Property…  more

 

Comments or questions are welcome.

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