5 Keys To Building Sustainable Property Portfolio
By Yoyo Chen, 08 Apr 2019
By Yoyo Chen, 08 Apr 2019
1st: Knowing your numbers is the key
How can you achieve your goal through property investment If you don’t fully understand them such as: how much passive income do you need for your retirement plan, how is your property performed was, what’s the ROI and rental yield for each property, what is the LVR and interest rate for each property, how much positive cash does your property generate each year, or are they heavily negative geared? I will share bit more on how to analyse these numbers in my future article.
2nd: Review your finance
Once you clearly know your numbers, you need to make the best out of it. Talk to your property strategist and the experienced mortgage broker who specialises in investment loans at least once a year. Get your property valued annually to see if there is any value increase and any better loan package on the market, ask your broker if you should fix the loan or pay P&I etc. If you have a good strategy, all these factors will potentially save you big money each year. However, a poorly structured loan portfolio will reduce your flexibility through cross securitisation, increases your risk profile and can create reporting and tax nightmares as well.
3rd: Cashflow is king
Like any business, cashflow is King. Once you review your property & loan portfolio annually, you need to focus on your cashflow. Securing quality tenants who look after your property with fair market rent for the long term is far more crucial than trying to achieve the higher rent with longer vacancy period causing losses to your everyday cashflow.
4th: Minimise the risk
Insurance is a safety net, which maximally protect your assets. Chose the right insurance which will cover losses or damages caused by unexpected events. I have real stories to share next time on how the insurance saved hundreds, thousands of loss when they are in place.
5th: Think Long – term
I love this quote from Warren Buffett: “Nobody buys a farm based on whether they think it’s going to rain next year, they buy it because they think it’s a good investment over 10 or 20 years.” Buffett decides something is worth investing in because it will last, not because it’s doing well right now. This comes back to having an investment plan in place. If you have a goal of building an investment portfolio or creating passive income of $100,000 in 15 years, put together your plan and start working on it today.
Talk to your mortgage broker, financial adviser, property strategist about your investment plan, understand how different investment properties could affect your borrowing capacity and ultimately hold back your goals of building an investment portfolio.
I hope you have found some valuable tips from this. Feel welcome to contact Midas team if you have any questions.
大家好,我是Yoyo。最近有些房产投资者普遍认为目前房产市场相对是“寒冬期”,如何做好充分准备“过冬”呢。很高兴与大家分享我在投资路上的5个心得。
第一:清晰知道每个房产背后的数字
在跟一些房产投资者对话的过程中,我很惊讶他们对每个房产背后的数字并不清楚。如果不了解它们,那如何通过房产投资来实现财务目标呢?例如:您的退休计划需要多少被动收入?您的房产表现如何?每个房产的投资回报率和租金收益率是多少?每个房产的贷款比例和利率是多少?房产每年产生多少正向现金流?还是仅仅起到负扣税作用?我会在以后的视频中分享更多关于如何分析这些数字讯息。
第二:每年审核你的财务情况
一旦清楚地知道这些数字所代表的含义,您才能充分利用它。我建议每年至少一次与您的房产策略师和资深贷款师进行房产投资回报的“年检”。譬如每年做一次房产估价,看看房产有否增值,比较一下市面上是否有更好的贷款方案,选择固定利率还是浮动利率,只还利息还是本息同还等。如果您有一个好的贷款结构和策略,以上这些因素都可能为您每年节省一笔大开销。然而,结构不良的贷款组合将由于房屋贷款交叉抵押降低您的灵活性,增加风险和费用,并可能产生报税等方面难题。
第三:现金流是王道
与经营生意一样,现金流是王道。每年在审核房产和贷款组合之后,需要确保现金流稳定。要注意,尽量锁住爱护您物业的长期优质租户,这远比试图获取更高租金但产生更长空置期所导致日常现金流受损更为重要。
第四:通过保险将风险降至最低
所有物业投资的建立都来之不易,保护好资产是房产投资的第一步。选择合适自己情况的保险不仅可以最大限度地保护您的资产,还可以覆盖由意外事件所造成的房屋和租金损失。在任何房屋交接或者出租前,我们Midas团队都会提醒和根据每位业主的不同情况提出建议。下次我会和大家分享一些真实案例,看看保险是如何为客户们节省成千上万的损失。
第五:房产投资需要长远格局
我喜欢沃伦·巴菲特的这句话:“没有人会根据这个农场明年是否会下雨来作购买的决定,购买它是因为他们认为这是一项10年或20年后能体现出来好的投资。”巴菲特认为有些东西值得投资,因为它会有持续稳健的回报,而不只看眼前的利益。这又回到了需要制定一个适合自己的投资计划。如果您的目标是在15年内建立投资组合或创造10万澳元的被动收入,那么今天就把您的计划整合起来并立即开始研究行动吧。与您的贷款师,财务顾问,房产策略师讨论您的投资计划, 贷款能力以及如何理性应对和调整在这过程中的财务变化。
希望您能从中获取一些有价值的讯息。如果您有任何疑问,欢迎随时与我们联系。Midas点石置业团队愿意倾听您的诉求,期待继续为广大新老客户提供高品质服务和适合自己的解决方案。您若有想要特别探讨的话题,也欢迎扫二维码告知。