Professional Documents
Culture Documents
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do you
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term relationships with you and your family to become your m0st trusted advisors Identify the lifetime objectives of our clients At all times, deliver services and advice that match these specific objectives Recognise the value of educating our 5/3/12 clients
innovative partnerships between client and private advisors, designed to foster a Superior Level service and life time tailored planning
Incorporating:
Professional standards, Collaborative
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be?
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than 1% will retire wealthy with incomes over $50,000 An estimated 6 % will be considered well off with incomes above $35,000 23% will continue working 71 % will be dependant on our welfare system and our governments generosity.
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Buy Buy
& Hold NEW real estate and combine the tenant income with the tax benefits to reduce your holding costs whilst attracting / participating maximum capital growth. Identify and manage risk.
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Investment vehicle
Cash Deductions Interest Property costs Non Cash Exp Depreciation Building allowance Fixtures & Fittings
Investment vehicle
Cash Deductions Interest Property costs Non Cash Exp Depreciation Building allowance Fixtures & Fittings Total deductions
$450,000
$900,000
$450,000
$4,178,078
$450,000
$5,910,00 0
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Universal Strategy
Buy multiple investment grade properties with no cash outlay and manage holding costs so as not to impact on lifestyle.
Build
and own this portfolio through growth cycles. Sell and or use loans to unlock equity to meet future goals.
Point
:Building your on investment property locks in equity from the start. Risk management.
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Performance
Australian Property has averaged above 11% growth since sale records commenced over 130 years ago. averages 5.5%
Income SEQ
property averages 13%(+) per annum over last 35 years. a modest 7 % growth, property values will double in around ten years. years today becomes $900,000 in ten
Assuming $450,000
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Rule of thumb.
Rule of 72. Any number
compounding at 7.2% per annum will double in ten years. This is an interchangeable formulae
10% number will double in 7.2 years 14.4% number will double in 5 years 5% number will double in 14.4years
Australian
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Financial Planning
How
Property
is transparent, illiquid, real and part of the fabric of society has a history that possibly predates all other forms of investment
It
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1 Act
2 Pas
3 Su p
$$$$$
Accumulatio n
Income
Debt
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Defining Risk
Market Risk =Net Capital Value upon exit. Legislative Risk Interest rate Risk Personal / Financial Circumstances Risk Tenant Risk Construction Risk Location Risk Entity Risk
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connections.
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Anchor Infrastructure
Public
Money
offices.
Acts
Addresses
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Anchor infrastructure
Eg Sunshine Coast University 1996 through state parliament, Since then massive re-planning by both Local and State Govt . In co-operation with the developers and commercial sector- banks, medical, educational, retail-Woolies, Joyce Main. Master planned community, 5000 staff, 20,000 students.
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Complimentary Infrastructure
Schools, shops, public transport, Entertainment, Leisure. Very important but not a guarantee
of
revenue.
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be within 20 kilometres radius of confirmed anchor infrastructure. Must have existing community facilities eg
Schools, shops, medical, public transport,
employment, leisure. Must have supply constraints Must have responsible developers active in the area.
Must
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Why is it so hard?
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NSG Membership
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The NSG Team of Private Client advisors. Graham Donnelly Accountant & Head of
NAS Rick McCarthy Head Of Property Group Scott Jarrett Head of Finance Melanie HoneysettHead of Property Management Dave Beveridge Head of Education Jolene Sukhersh Head of Financial Planning 5/3/12
Professional Accreditation
All
NSG entities fully comply with the laws and guidelines set out by the relevant industry bodies, such as : ASIC HIA, BSA, REIQ ACCC Office of Fair Trading National Institute of Accountants. QLD Law Society
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Fully Licensed
All
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team members hold the appropriate qualifications where required such as: NAS: Registered Tax Agents NRS: Fully Licensed for Real Estate under PAMDA NF&MS: Credit Licences for writing loans Financial planning division holds an AFSL
Membership
Finance review with National Finance & Mortgage Solutions Personal review with National Accounting Solutions Access to valuable research residential properties Automatic membership in the Pre Release Club Access to property purchases at or below bank valuation National Investor Solutions will also conduct a protection cover review Membership in the NSG Group Newsletter NSG Buying group Ongoing access to your Private Client Manager Two individual taxation returns Attendance at a one day investment workshop (Property and Shares) Financial planning preliminary review
$2,500.00
Two individual taxation returns: valued at up to $150 each: $ 300.00 Attendance at a one day investment workshop valued at: $1,495.00 Financial planning preliminary review valued at: $ 300.00
3 months free property management for any of your properties:$ 500.00 Total value year 1.
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$5,095.00
Your investment
Annual
Membership
$1,200
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are so confident that you will be delighted with our offerings, that in the event that you are not completely satisfied that NSG has delivered the detailed services or value, over and above your membership fee, we will gladly refund your membership paid to date for that year
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From this
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To This.....
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Did
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Buy
and Hold
Match
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Unlock Equity
Investment Income
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Keeping It Simple
Identify Identify Dont
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gearing levels.
What
role??
Understand What
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how they work and what their market view is. role do valuers play?
a Good.GREAT Broker.
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KISS
Happy to borrow @ 80%? Youll need $140,000 equity
Happy to (able to) Borrow 95%? Youll need $57,000 equity in your
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home to buy an average investment property in QLD youll also pay about $6,000 in LMI
Cash flows
Money In:
Money Out:
Interest (7%) Rent $27,900 $21,500 Rates $ Tax refund 1,800 $ 6,000 Prop Mangmnt $ 1,800 Insurance $ Leaves you a contribution of less than $70 per $ 700 week.
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Universal Strategy
Buy
multiple investment grade properties with no cash outlay and manage holding costs so as not to impact on lifestyle. and own this portfolio through growth cycles and use loans to unlock equity to meet future goals. your own investment property locks in equity from the
Build
Building
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Performance
Australian Property has averaged 11% growth since sale records commenced over 130 years ago. averages 5.5%
Income SEQ
property averages 13%(+) per annum over last 35 years. (Doubles every 6 years) a modest 7 % growth, property values will double in around ten years. years today becomes $900,000 in ten
Assuming $450,000
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Land cost $200,000 Stamp duty $ 5,500 Holding costs. $ 10,000 Build 4 bed home $210,000 Buffer $ 5,000 Loan costs $ 3,000
Total borrowed
$433,500
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Borrowing comparison
Option
Difference: Same
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connections.
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Anchor Infrastructure
Public
Money
offices.
Acts
Addresses
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be within 10-20 kilometres radius of confirmed anchor infrastructure. Must have existing community facilities eg
Schools, shops, medical, public transport,
employment, leisure. Must have supply constraints Must have responsible developers active in the area.
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Must
Not rentable
Double
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sized bedrooms Three car garages Room size wardrobes Ducted air conditioning Granite designer
Price
2 0 0 2 5 0 3 0 0 3 5 0 4 0 0 4 2 5 4 5 0 5 0 0 6 0 0 6 5 0
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property consultant will meet with your client and review the overall strategy of property investment. This will include: specific cash flow analysis, location specific research and samples of property design and inclusions.
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the initial meeting has determined clients suitability for the acofe property program, thorough presentation of the target location and property will be arranged.
This will include physically inspecting the
Case study
Bright
Water
pieces of anchor infrastructure. Bounded by National Park and existing successful estates. Access to the CAMCOS transit corridor. 1200 home sites private school, shopping facilities, lakes, public transport, minutes to beaches.
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Bruce highway. Land size irrelevant. Ideal House size: 195- 220sqm Rental income: $440-460 per week. Total package price Bright Water: $455,000 5/3/12
Negotiate
(5 member team)
spots.
Securing land using options contracts. Negotiate best package and price from
(2 member team)
panel of 5 Accredited builders. (5 member Team) Present the findings and research to clients. (2member team) One on one property and location specific presentation.
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Prepare
true fixed price construction contracts. Present both land and construction contracts to client Ensure all contracts subject to finance. Present for finance approval, yours or ours.
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Thank you
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