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The Property Investment Formula That Works In ANY Market And At ANY Time!

If there’s just one framework you should focus your attention on if you want to be a successful property investor… please make it this one!

Folks, in today’s episode we’re revealing THE Property Investment Formula you need, not just in your toolkit, but also what you must implement if you want to build a multimillion-dollar property portfolio that creates a passive income for yourself and your loved ones!

Our Property Investment Formula is made up of FOUR critical elements – what we call our our “A.B.C.D.” Pillars of Mastery – and it works in ANY market and at ANY time… (yep!)… ‘cos this is an evergreen formula to invest in property. It really will work today, tomorrow and forever. So make sure you get this framework RIGHT.

The “A.B.C.D” Pillars of Mastery are…

  • Asset Selection
  • Borrowing Power
  • Cashflow Management
  • Defence

BUT while this “A.B.C.D” Acronym makes it super easy for you to remember… these Pillars are NOT in their correct order as you would apply them in real life… so, please NEVER start with the property (Asset Selection)!

We’re about to unpack what order to apply our “ABCD” Property Investment Formula and how to implement and what to consider in each individual Pillar.

This is one of our all-time favour frameworks and, yep, it is absolutely critical for every property investor, no matter what stage they are in!

Listen now to get the proven formula to invest in property that works in any market and at any time!

Don’t forget, get further insights and “play along at home” by picking up a FREE physical copy of our book here: http://www.thearmchairguide.com.au/

 

Here’s a bit of what we cover in today’s episode…

  • What is Asset Selection?
  • What and Where should you buy?
  • The 4 Developer Tricks To Avoid At All Costs
  • New vs Old Properties
  • Investment Grade vs Investment Stock
  • How to recognise an Investment Grade Property
  • What is Borrowing Power?
  • How do you maximise your Borrowing Power?
  • How to Structure your home loans
  • Principle Interest vs Interest Only
  • What’s a Cash-on-Cash return?
  • Why’s interest rate NOT king?
  • What is “cross-collateralisation” ?
  • Should you pay Lenders Mortgage Insurance (LMI)?
  • Why should you NEVER get a loan directly from the bank?
  • Who should you get your mortgage advice from?
  • What is Cashflow Management?
  • Good Management vs Great Money Management
  • Four Steps to Elite Money Management
  • Why is “Liquidity” so crucial for a property investor?
  • What should you do with your money?
  • Or Money SMARTS system to Financial Peace
  • What is Defence?
  • How can you protect yourself, your family and your property portfolio?
  • What type of insurances are there?
  • What professional should you seek out?
  • How can you reduce your risk?

 

Free Resources

  • Free Book – The Armchair Guide To Property Investing: How to Retire on $2,000 A Week (please just pay for postage – we’ll pay for the book and send it anywhere in Australia for you.)
  • The Property Couch PodcastThe Insider’s Guide to Property Finance and Money Management (This is Australia’s #1 Property Podcast with over 307+ episodes that features HEAPS of simple and actionable frameworks, countless interviews with the best minds in the Australian property and finance industry and a ridiculous number of free resources to help you at any stage of the property investment journey)

 

Episodes from The Property Couch to Further Support You…

 

 

 

 

Bet $1 To Make $10 – How To Master Leverage And Compound Growth Without Risking It All

Have you ever wondered how to accelerate your wealth position without having to risk everything? If so, we have something very important to tell you in this episode that – let’s be real here – a lot of folks don’t actually know about.

Property Investors actually have a Superpower…. and that Superpower is LEVERAGE.

But it gets even better than that. Because if you add this superpower with another one – “The Compound Effect” – you’ll be sitting very pretty indeed! And these two fundamentals of investing are what make property such a safe and sustainable vehicle for wealth creation.

If you have no idea what we mean by “leverage” or “compounding”, that’s totally okay… ‘cos we’re about to fill you in on exactly what these terms mean and how they amplify your ability to create a passive income for life.

Plus, we’ll be walking you through WHO exactly property investors should have on their team as well as other investment choices you can consider instead of/as well as property!

Sound good?

Listen to now to learn how to master leverage and compound growth WITHOUT risking it all!

Don’t forget, get further insights and “play along at home” by picking up a FREE physical copy of our book here: http://www.thearmchairguide.com.au/

 

Here’s a bit of what we cover in today’s episode…

  • How does lasting wealth creation occur?
  • Why can’t you “save your way” to a passive income?
  • What is Leverage and how can you use it to make your money work MUCH harder for you?
  • What is The Compound Effect and why does this totally change the game if you’re investing over the long term?
  • What are the four ways we generate money?
  • How can you accelerate your wealth safely AND sustainably?
  • Why shouldn’t you trust the Australian Pension to look after you in retirement?
  • What types of investments are available to you?
  • Why is property such a great investment vehicle, particularly if you want a “hands off” approach to a passive income?
  • What professionals do property investors need on their team?

 

Free Resources

  • Free Book – The Armchair Guide To Property Investing: How to Retire on $2,000 A Week (please just pay for postage – we’ll pay for the book and send it anywhere in Australia for you.)
  • The Property Couch PodcastThe Insider’s Guide to Property Finance and Money Management (This is Australia’s #1 Property Podcast with over 307+ episodes that features HEAPS of simple and actionable frameworks, countless interviews with the best minds in the Australian property and finance industry and a ridiculous number of free resources to help you at any stage of the property investment journey)

 

Episodes from The Property Couch to Further Support You…

 

 

Bonusisode – The Four Critical LEVERS to Financial Peace and… a Free Book! 😊

The process of building wealth is like operating an excavator truck..🤣🤯🤔

http://bit.ly/35CWlOX

What do we mean by that? An excavator comes with a few levers that you’ll need to push and pull to make sure that it’s doing what it’s meant to do. So in this Facebook LIVE, Bryce and Ben shares four levers that you’ll need to adjust to achieve your own specific and unique end goal. And the faster you can adjust each of these levers, the quicker you’ll get to your goal.

Tune in to this Facebook LIVE to learn more.

And of course… it was our Black Friday Sales folks!!! This is our first sale ever so we’re a bit excited about it AND since you’re part of our community, we’re letting you know that the offer is still up!

Here’s the link to claim your Free Copy of The Armchair Guide to Property Investing >> www.thearmchairguide.com.au

 

 

P.S. Interested to learn more about building a property portfolio? Here are our top recommendations!

 

 

Episode 119 | The Power of Compounding

Smart Money Management. Savings. Leverage. Compounding interest.

That is basically what we are talking about in today’s podcast as inspired by two of our listeners who wrote in. Now, rewind a few episodes, and you’ll find the boys quoting Albert Einstein famous words, “Compound interest is the eighth wonder of the world. He who understands it, earns it… he who doesn’t… pays it.” And today’s focus is all about getting the foundation RIGHT, finding the SWEET spot for your money management habits and understanding WHAT delayed gratification is all about.

One of the questions that we asked the listeners today is,

Would you take a million today or take a cent now and double the amount every day for the next 30 days?

Tune in to find out the numbers behind this question and here are the Free Resources mentioned in today’s podcast:

 

Just in case you’re wondering, here’s what the two listeners wrote in:

 

  • From Chris:

Hey guys. Love the podcast. I’ve told so many people about you guys. Out their flying the flag. One day I’ll probably knock on your door for a job. Seriously.

I find that one of the biggest advantages/disadvantages to building wealth can of be determined as to whether you are or aren’t on the same page as your partner when it comes to finance and household spending. I meet so many people in life who are either money savvy (to some degree) or they just aren’t. I love that we all have different passions in life, it makes the world go round, but wouldn’t it make life, relationships and wealth building easier if we all LOVED the concept of making our money work harder for us. We were all money SMART 🙂 *Thanks rubbish Australian education curriculum!

So my challenge is to you. Not an easy one. Do one podcast that in the most effective mainstream fashion, gives those that aren’t ‘interested’ yet, just a taste of how they MUST be money smart. Because…it is not actually that hard, how it can impact their lives so dramatically and how they should take a bigger interest in how to make their money work for them now if they want options of living a wonderful life. A life of experiences. Inspire them. One podcast I can make my loved ones listen to, to try flick that switch in them to take more control of their finances with joy. Like when I read Rich Dad Poor Dad. I know how amazing compound interest is, I know how amazing leverage is, but so many people just don’t. Therefore they don’t know why they should be delaying gratification. So they simply choose to spend.

In a time that is crazy busy for you guys building a business and living your own family lives, well done on giving so much back to society. You will never know how great an impact you have had on generations to come.

 

  • From Greg:

Hi Guys

I just watched the first video you’ve done with realestate.com.au. Congratulations on the partnership and great work as usual.

Just one comment on the first video. The savings/investment glass got filled with what was left over. This goes against many of the gurus (The Richest Man in Babylon, Robert Kiyosaki etc) who all say “pay yourself first”. So, in the video, the savings/investment glass should have its share first (whatever amount the person has decided) and then the other glasses divide up what’s left over.

Keep up the great work.

 

If you like this episode (The Power of Compounding), don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

Episode 063 | Q&A – What’s the next step to building a portfolio, size of the portfolio, IP or PPOR and diversifying wealth strategy

It’s Q&A time again! This week on The Property Couch, Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. Thanks again for submitting your questions!

  • Next step to building a portfolio question from Derrick: I was listening to your “tips for FHO’s” episode where you advised a gentleman to think about getting a one bedder in a desirable suburb (like Bondi) as his first place. Coincidentally I pretty much did that 4.5 years ago…buying a 1 bedroom unit in Woollahra. So you could say that I am that guy four years later! The only difference is that my apartment wasn’t part of an investment strategy at the time, I just liked the apartment! I am at the stage now that I want to get into property investing but at the same time I’m conscious about finding my second place of residence for my wife and I in about three years…preferably living in a similar area. So I’m trying to tackle two thoughts at once: how do I invest in my long term future while figuring out how to afford my next home? What should someone like myself be thinking? Should I be looking to invest and build more equity for our second place? Should I sit on our current property and save, while looking to use my current place of residency as a future investment property? Or is there another route? Thanks for your advice and thanks again for the show!
  • Size of portfolio question from Jason: Started to listen to podcast recently and love it keep up the good work. I just wanted your guys opinion on the ability to build large portfolios now in this current lending environment. I have heard you guys mention that you only need 4 to 5 properties to have a passive income and live into retirement but what if you want to have larger portfolio say of 10 or 20 properties is this achievable for people on average incomes like previously? Or has the APRA changes stopped this from occurring in the future?
  • Question on leverage from James: I’m 27 and looking to make a good go at property investing. I have recently sold my first investment property and now have a lot of capital from the sale. My investment now is a new property being finished in 12 months . My question is after selling down the 1st investment property, am I better off paying for the new one in full (using the rental income to service another investment property afterwards), or should I purchase a few more properties while i have a large sum off money and spreading the cash around to gain more houses for a larger passive income later down the line. Bearing in mind my age and goals. Thanks guys! and keep up the great work.
  • IP or PPOR question from Karla: Hey guys. I love the podcast and the sign offs too Ben! My question is, if you are renting and have the ability to purchase a property. Is it better to buy an investment property or a principle place of residence (IP or PPOR) first? Which would set you up better for the next step? It feels like a bit of “chicken or the egg”. I’d love to know hour thoughts! Keep up the good work and I can’t wait for footy season to hear your commentary!
  • Case study question from Deanna:  I am 22 yrs old and am convinced of the benefits of property as along term wealth building strategy, for now I am trying to develop as much understanding as I can. My questions are as follows:
    • Do you recommend that the first property that someone buys is for PPOR or can it sometimes be an IP? For example this may be relevant for young people currently living in Sydney who are renting but would also looking to be a border-less investor. In what/ if any scenarios do you think this could be a smart plan?
    • What is your opinion of young people utilising the first home buyers grant. I understand that in majority of discussion that you advocate for established buildings rather than new dwellings, however when I read a case study you wrote for Money magazine the 20 something year old strategy included using the first home buyers grant for their first property (PPR).
    • This is a broad question and may potentially be outside you scope of practice but I was wondering what your opinion was in diversifying wealth building strategies. For example do you observe in your successful clients that they are involved in property investment only or do they often also include other investments such as a share portfolio to their strategy.

 

References:

  • Money magazine – Special Real Estate Edition – Buy here
  • ABC News article: Who uses negative gearing in Australia? – Read here
  • RP Data: Weekly rents have continued to fall over the past year – Read here
  • 2GB Ross Greenwood chat with Roger Montgomery – Listen here
  • Qantas in-flight radio: Alan Kohler chat with Bryce Holdaway – Listen Here

 

If you like this Q&A episode (Exiting a contract, crowdfunding, what’s the impact of global events on Australia Property Market and more), don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

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