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Episode 006 | Four Pillars of Mastery – Defence

Folks, it’s scary to watch investors pour bucketloads of time and money into budgeting and buying a property, to then not invest in any protection!  

This is exactly why we’re homing in on the fourth and final part of our ABCD Property Investment Formula series: Defence!

Previously, we’ve spoken about Cash Flow Management, Borrowing Power and Asset Selection. If Asset Selection is the favourite of the Four Pillars, then Defence is definitely the least favourite. Most investors are always on the lookout for new investments or new ventures to go into, but the most important asset is actually the investor themselves.

That’s why we’re looking at… 

🛡 HOW to minimise risk across Asset Selection, Borrowing Power and Cash Flow Management… 

🛡 WHO you shouldn’t be taking advice from…. (Hint: Ben and Bryce are declared enemies of these types of advisors 😉)  

🛡 WHY you should be investing in certain policies and mortgage brokers… 

And why mining towns aren’t the ideal investment – especially if it’s your first property!  

So don’t end up like some of the people that Ben references in today’s podcast, or spend years investing to be blindsided by weak defence… 

Tune in and get smart with our final pillar in the Property Investment Formula!  

 

Free Stuff Mentioned:  

Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away. 


  • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
  • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 1:18 – When we say defence, we’re talking about… 
  • 1:50 – Why you need to unpack YOUR story  
  • 2:35 – Risk mitigation and Borrowing Power 
  • 3:40 – The 3 filters for determining Defence in Asset Selection  
  • 5:00 – Understanding Risk vs. Reward 
  • 5:25 – Mining Towns vs Blue Chip areas  
  • 6:10 – How you should be analysing properties (and what you shouldn’t be seduced by!)  
  • 7:50 – Who you should be taking Defence advice from!  
  • 10:14 – The BIGGEST defence you can have in Cash Flow Management  
  • 12:30 – How to install defence measures to you Borrowing Power  
  • 13:00 – Why you need an _____ _____ mortgage broker!  
  • 13:42 – What are we actually protecting? 
  • 14:08 – How to mitigate asset risk  
  • 15:45 – Defence for assets is also defence against _____!  
  • 16:08 – How to protect your income and lifestyle  
  • 17:55 – Why THIS type of insurance is important as you get older  
  • 19:42 – Help us educate others! 

 

Episode 004 | Four Pillars of Mastery – Borrowing Power

This may be one of the most important factors when investing in property… 

Continuing with our “ABCD” Property Investment Formula which all property investors should master, we’re advancing to B for Borrowing Power!! 

Folks, now that you know how much surplus you have at the end of each month (thanks to the previous episode on Cash Flow Management), the next step is knowing YOUR borrowing power! 

Did you know that having higher borrowing power can greatly increase your accumulated wealth?  

But it’s not always as simple as going to your bank or mortgage broker to set up a loan…

 In fact, many unseen factors can create unwanted “glass ceilings”.  

We’ll cover how to recognise the signs of Borrowing Power and more importantly HOW to increase yours… 

PLUS, we’re unpacking INCOME: how does it affect your suburb’s desirability and value growth, and when did income and property value even become linked?! 

👉 Tune in for the gold!  

 

Free Stuff Mentioned:  

  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away!

    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
    • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 1:55 – What is Borrowing power (and why is it so important?!)  
  • 3:34 – Don’t make this couple’s mistake! 
  • 4:55 – The relationship between borrowing power and prices  
  • 7:00 – Who actually sets the market price?  
  • 7:38 – The signs of Borrowing Power!  
  • 8:00 – How do occupants affect their suburb’s value?  
  • 10:07 – The rise of The Great Australian Dream!  
  • 11:11 – The 1970s saw THIS positive change 
  • 11:53 – The 1990s, however, were… 
  • 12:40 – Why income is SO important! 
  • 14:34 – Leverage decides ____ class  
  • 15:54 – What is Cash-on-Cash returns?  
  • 16:50 – Cash Flow Management and SENSIBLE Gearing!  
  • 18:00 – How to increase YOUR borrowing power   

 

Episode 002 | Regulation vs Education

In a time of growing self-managed super funds and heated markets, what should we be valuing more: regulation or education??  

In this episode, we’re unpacking the role regulation plays (especially in the wake of the Murray Review and changing limited recourse borrowing arrangements) 

…and looking at why education is important for ALL!

That’s right folks, many marketeers and those giving the advice aren’t receiving the right training 🤯🤯🤯 – tune in to find out why!  

We’ll also unpack Australia’s most heated markets right now, how YOU can break into those markets and why the property market is actually unfair to the everyday investor.

(Phew, that’s a lot of wisdom there!)  

So if you’re ready to get educated, tune in now! 😉 

 

Free Stuff Mentioned:  


  • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
  • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 0:46 – Self-managed super funds and borrowing today 
  • 2:19 – THIS is more important than regulation!  
  • 4:45 – Why consumers and marketeers need education  
  • 6:15 – The feedback cycle  
  • 7:21 – When it’s best to buy into the market!  
  • 7:58 – Ben’s message to Sydney and Melbourne property investors  
  • 10:25 – Which is better for investing: Established or new properties?  
  • 11:35 – A strategy for buying in heated markets  
  • 11:59 – HOW many more properties will be built by 2055?!?  
  • 12:30 – If you take away anything, LET IT BE THIS  
  • 12:50 – Why the property market is unfair!  
  • 15:02 – Our opinion on student accommodation 
  • 15:25 – Investment grade VS. investment stock  
  • 16:45 – Send us your questions!  

 

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