the STrategy
THE WHAT
What is your end goal? Why are you investing? Having solid, long-term goals is essential for real success without a clear road-map, your chances of reaching your destination are slim.
Think of building a house without plans, impossible to know where to start. The best approach is to begin with your desired outcome and work backwards, setting clear milestones along the way. It can feel overwhelming, but that’s where our Game Plan template comes in. It helps you define and quantify your true goals keeping them realistic, well-structured, and measurable.
To begin your journey to wealth, you need to first assess your current position. Owning your situation brings clarity and puts you in control. Ultimately, only your decisions and actions can change your circumstances. External factors should be considered but not allowed to distract you from your goal-setting process.
Think of building a house without plans, impossible to know where to start. The best approach is to begin with your desired outcome and work backwards, setting clear milestones along the way. It can feel overwhelming, but that’s where our Game Plan template comes in. It helps you define and quantify your true goals keeping them realistic, well-structured, and measurable.
To begin your journey to wealth, you need to first assess your current position. Owning your situation brings clarity and puts you in control. Ultimately, only your decisions and actions can change your circumstances. External factors should be considered but not allowed to distract you from your goal-setting process.
When you speak with your Strategy Consultant, you'll find that we’re more interested in understanding your situation than sharing our own successes.
Our priorities have shifted as our circumstances changed. We may be comfortable financially, but new goals drive us to reach further. To achieve these new much higher goals we understand it is essential to be building a strong team of like-minded investors around us. When setting your own financial goals, it helps to assign a dollar value to what you want to achieve. For example, if you aim for $100,000 in annual retirement income, the asset value needed at a 5% return would be around $2 million. Remember to factor in your time horizon, inflation, and the potential for your nest egg to need to be over $3.5 million.
Set your target early, the sooner, the better!
Our priorities have shifted as our circumstances changed. We may be comfortable financially, but new goals drive us to reach further. To achieve these new much higher goals we understand it is essential to be building a strong team of like-minded investors around us. When setting your own financial goals, it helps to assign a dollar value to what you want to achieve. For example, if you aim for $100,000 in annual retirement income, the asset value needed at a 5% return would be around $2 million. Remember to factor in your time horizon, inflation, and the potential for your nest egg to need to be over $3.5 million.
Set your target early, the sooner, the better!
investment statisticS
The structure
THE HOW
What’s your ownership structure when buying? We know the what and hopefully the why so now, how do you actually purchase the property? It might sound simple at first, but it’s important.
Different structures have unique benefits and restrictions, designed for various scenarios. When weighing your options, cost matters but ideally, those costs are offset by the benefits. Navigating this can be tricky, but asking questions and educating yourself can pay big dividends.
Example:
If I buy a property through a Company without considering ongoing costs, I might later realise it was expensive and unhelpful day-to-day. Without a proper cost-benefit check, I risk spending more on administration than I save or gain, especially when selling.
Your strategy and structure should work together to justify costs like accounting, management, and compliance fees. Choosing the right ownership such as a Family Trust or Unit Trust should be decided well in advance of any purchase.
The proper structure can help lower annual taxes and reduce capital gains tax when selling in the future. While many start by buying personally because setup costs seem high, planning for multiple properties can spread those costs over time.
It's crucial to consider strategy and structure together, as making the right choices can save or cost you tens or even hundreds of thousands of dollars.
Example:If I buy a property to pass to my child at 18, my accountant might suggest a Unit Trust. This allows me to transfer ownership of the Trust instead of the property, avoiding Stamp Duty because the property itself hasn't changed hands.
The proper structure can help lower annual taxes and reduce capital gains tax when selling in the future. While many start by buying personally because setup costs seem high, planning for multiple properties can spread those costs over time.
It's crucial to consider strategy and structure together, as making the right choices can save or cost you tens or even hundreds of thousands of dollars.
Example:If I buy a property to pass to my child at 18, my accountant might suggest a Unit Trust. This allows me to transfer ownership of the Trust instead of the property, avoiding Stamp Duty because the property itself hasn't changed hands.
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