portfolio: Clarify your position and identify your short-, medium- and long-term goals; Evaluate the sort of tactics you need to adopt that suit your investor profile as it relates to debt and retirement; Establish a plan that models your cash flow in the future as well as for today; Implement the plan with an understanding of what makes an investm

All of these professionals will be equipped to help you get the ball rolling, but you’ll also need to think about where you sit as a long-term investor. In our experience, the mindset of the long-term investor is often based on fear or greed and both present a high risk to wealth creation. Why? Because fear leads to inaction or procrastination and

The important thing to note here is to buy the best property you can comfortably afford in the highest land value area. If you can afford a house then great, but if you can only afford a townhouse or an apartment then don’t see this as the booby prize. See it as a great opportunity to stay in the location and buy the best investment-grade property

caught by industry ‘professionals’ who go straight to the sell because they want your money. Or worse still, we see the DIY investor who thinks they know what they are doing and they go ahead and risk their financial future on a ‘hunch’ purchase.

Your returns are really governed by the area in which you buy. As a general rule, we think it’s an 80/20 split, where 80 per cent of the return is derived from the area you buy in and 20 per cent comes from the property itself.

You probably think you’re pretty good at choosing a property to live in for yourself, but what’s difficult to acknowledge for the amateur investor is that buying a property to live in is simply a game of bricks and mortar. Buying a property to invest in is a game of finance – and there is a big difference – and the two are not to be confused. So th

In our view, most property investing is low risk if you are buying for the long term and in proven locations.

suitable home or accommodation for our family is one of the most commonly mentioned desires of our clients. The other popular motivations are health for everyone in the family – from the kids to the grandparents – as well as to provide the best level of education that can be afforded for children, or planned future family. Family time often then fo

Don’t let ‘good’ be the thief of ‘best’.