Property Investing Insights with Right Property Group

With widespread and indefinite lockdowns inducing feelings of uncertainty and insecurity among buyers and sellers, what will the spring selling season look like this year? Phil Tarrant, Steve Waters and Victor Kumar discuss the implications of the latest wave of lockdowns on real estate and how it compares to previous lockdowns. Will the market slow down amid a pronounced imbalance of supply and demand? What are the opportunities to be found in the current market? The trio also reflect on the value of the “right” suburbs, and advise investors how they can better understand unique growth patterns and fundamentals that ultimately influence success. Looking forward, Phil, Steve and Victor touch on the road to normalcy that the market is bound to take in the future.

ENCORE EPISODE - DESIGN YOUR DECADE PART 2 We hope you enjoyed part 1 of DESIGN YOUR DECADE covering years one through five. Part 2 focuses on years five through 10 of one’s property investment journey. Steve Waters and Victor Kumar join host Phil Tarrant to outline the fundamental shifts that occur in the second half of the decade, and the notion of a static 10-year plan and a rolling 10-year plan running in parallel. Victor, Steve and Phil talk about the importance of consistently reviewing one’s portfolio, the major milestone that should occur around the 10-year mark, and the dangers of chasing the latest strategic fads. There are so many golden nuggets of goodness throughout that are applicable to those who are planning to start their property journey to those who may have started decades ago. So no matter what stage you are at you will find value in what Steve, Victor and Phil have to share. The best investors are those that have strategies in place to withstand and succeed in any given situation, whether that be changing personal circumstances or a broader economic crisis triggered by a global pandemic. ...................................................................................................................... Subscribe & Review in Apple Podcasts If you found value in this episode, please leave a review on Apple Podcasts! Our mission is to help as many people as possible and when you leave a positive review, more people can find this podcast! Simply select “Ratings and Reviews” and “Write a Review” and tell us what your favourite part of the podcast is. Thank you!

Mixed data is coming out of the property market, with record-low interest rates, pent-up demand and limited supply fuelling strong price growth. On the other hand, prolonged lockdowns and talk of macro-prudential policy could inflict negative impacts. Dissecting recent developments, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss last year’s missed predictions of 30 per cent market falls and why the rhetoric is different during the most recent lockdowns. The trio also chat through some of the key topics you need to know as an investor, including how to use the current market trends to position your portfolio and whether it’s time to offload those poor-performing assets. Looking forward, Phil, Steve and Victor touch on the dangers of predicting the future.

ENCORE of the most popular (and Melissa's favourite) episode! The DESIGN YOUR DECADE episode was published on 26th June 2020. Phil Tarrant and our own, Steve Waters and Victor Kumar deep dive into the critical questions for investors to consider when approaching the first five years of designing their decade. Regardless of where you are at in your life, the Design your decade episode is a MUST listen for everyone. There are so many golden nuggets of goodness throughout that are applicable to those who are planning to start their property journey to those who may have started decades ago. So no matter what stage you are at you will find value in what Steve, Victor and Phil have to share. As an experienced investor Melissa has found this particular episode really resonate and gave her the reminder of what she needed when it comes to the importance of reviewing their portfolio and dedicate regular time towards it. The episode also gave her the opportunity to reflect on their journey so far and where it was headed in the coming years. She distinctly remembers listening for the first time as she was driving and thought to herself " Steve and Victor have really nailed it with this episode". Key points: 4.07 - Control what you can influence 7.45 - Where do people go wrong? impatience and not organised! - anyone that has deviated from the fundamentals will hurt 10.31 - Navigating the first 5 years 12.25 - Transition point from consuming information to implementation. Most people get stuck in information overload 14.50 - A fundamental point in time for experienced investors to reflect and reset 17.00 - What are your tolerances to capital and cashflow 20.19 - critically analyse your lot in life. Each person will be different. 31.00 - The banks will tell you what you can afford, however only you know what you can afford. Often there is a big difference. 34.00 - Formulate strategy based on finance. The best investors are those that have strategies in place to withstand and succeed in any given situation, whether that be changing personal circumstances or a broader economic crisis triggered by a global pandemic. ...................................................................................................................... Subscribe & Review in Apple Podcasts If you found value in this episode, please leave a review on Apple Podcasts! Our mission is to help as many people as possible and when you leave a positive review, more people can find this podcast! Simply select “Ratings and Reviews” and “Write a Review” and tell us what your favourite part of the podcast is. Thank you!

As property markets continue their post-pandemic boom, investors are being urged to look at each property’s fundamentals instead of listening to overall market myths. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar break down some of the biggest myths in property – from “all property grows at the same pace” to “valuations always lag sale prices”. The trio also discuss how today’s results don’t necessarily set up an investor long-term, whether or not bargains are still available in a hot market, and whether investors should target yield or growth in today’s property cycle.

In Episode 66 of the Investing Insights podcast, Victor Kumar and Steve Waters from Right Property Group unpack five investor profiles. The evolution of a successful investor is about identifying your investor profile. Victor and Steve have for many years referenced the four investor profiles and most recently have added a fifth. 1. The collector loves ownership, wants to buys something. Just wants to be an investor. We see a lot of them in this market. Generally not strategic as they get caught up in brag rights and number of doors they have and mistake action with results. On the upside buying one is better than doing nothing! 2. The Observer loves the idea of investing but does nothing as there is always a reason for not doing something which is usually wrapped around fear? FOMO in reverse – shoulda, woulda coulda…… The observer spends endless hours poring over analysis and opinion, discussing statistics and rationalising their choices. They will set up an extraordinary number of ‘watch lists’ on their favourite property portal, and examine the results forevermore. The key failing is they get caught in the endless loop of analysis and are eventually paralysed into inaction. The right time is always now! To get to the profits, end goal you have to be IN the market to begin with. 3. The speculator loves to brag and accumulate front doors, quick wins, and rolls the dice. They are lovers of action and the thrill of the chase. Most that speculate tend to only look at the positive side rather than looking at the finer details and what could go wrong. Any investment class has a form of speculation around it . Everyone has been a speculator in some capacity. Being a speculator sounds like a heap of fun, because they operate with almost no perception of risk, making big decisions on the fly. Who isn’t thrilled by the adrenaline rush of quick wins? The speculator is on the constant hunt for opportunities to purchase and profit. Driven by the desire for fast gains, they’ll forego sensible due diligence and, instead, try to outwit the market. The speculator’s view is entirely short-term – they love the action – but speculation without information is a risky game in property. And the downsides can be extremely costly. 4. The investor is the most sophisticated of the four types. This is what you want to be, or at least, where you’ll want to end up. The investor loves opportunity and is prepared to take advantage. The investor has their finance at the ready and research on hand. They’re aware of what’s needed for their portfolio to thrive in the long run. As the investor the strategy that you deploy is always pivoting slightly. There is always something that will come up where adjustments need to be made. Controlling the now. 5. The resentful investor almost always comes out when things don’t go their way. They let go of all commonsense. They focus on nothing but growth. Because everything is humming along so I can afford all of this but then the rate of growth slows, rates increases and the lack of CF becomes very apparent. Resentment then sets in. At this time of the cycle they don’t exist but come the next 3-5 years they will crop up as commonplace. All profiles lead to the resentful investor if you aren’t well considered and stay the course. To prevent the resentful investor coming out, Right Property Group clients have regular portfolio reviews by Victor and Steve - guidance and clarity in keep your finger on the pulse and are seen as an important element to controlling your portfolio. Need guidance on where to next? then book a blueprint meeting with Victor or Steve. Click here https://rightpropertygroup.com.au/blueprintsession/ If you have any questions about what you heard today please email questions@rightpropertygroup.com.au

As property markets continue to boom post-pandemic, investors are being urged to stick with the fundamentals that underpin good buying decisions instead of letting ego and greed take over. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss the notion of control in property investing, challenging the fallacy of the one-in-a-hundred-year natural weather event and why investors should focus on both growth and cash flow to increase their chances of success. The trio also talk about taking an educated approach to investing, why investors currently think they are bulletproof, how it’s easy to gain wealth but hard to maintain it, and why the current friendly market fundamentals are set to fade over time.

As the property market goes from strength to strength, with low rates, FOMO and undersupply creating a seller’s market, active investors need to get creative in order to maximise value. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss the tactics to building a truly smart property investment portfolio and whether those same tactics used after the GFC are still relevant today. The trio explore the concept of ‘market value’, how to add value to a property that investors have paid top dollar for, and whether property investors can continue to negotiate with sellers in a rising market.

In Episode 63 of the Investing Insights podcast, Victor Kumar and Steve Waters from Right Property Group have a detailed discussion on a wide range of topics including the pulse of the market, agent mechanics of listing a property in todays market and insights into finance. The question most people tend to ask is “Is now the right time to get into the property market?”. For each person this will be a different answer as depending on your own set of circumstances – Its not a clear answer. Investing is about timing the market in terms of YOUR set of circumstances. Eg Two years ago you couldn’t borrow due to thresholds and today you can. So potentially it is your time. It all comes down to being business orientated. Far too many people think the hardest part is purchasing. Actually it the reverse. It’s the how you control the purchases and manage the years ahead of holding the asset. Buying within your own means. Buying on what YOU are trying to achieve by purchasing towards a plan. At times like this you can re arrange your portfolio – if they are no longer fitting and doing what they need to do. Before you jump into selling, consideration of the associated costs need to be worked through. E.g .transactional costs as well as replacing the rental income. When it comes to finance rates will go up. It's reality that they won't remain the way it is. The golden rule of asking a bank is "are you cross securitised ?". There is a time and place however its is well worth the while checking in with a broker experienced in structuring investment property loans. Like we have said many times before remember you ALWAYS want to be liquid. When you can borrow you should, you don’t need to spend it. Have the money before you need it. The key to investing is to be prepared for the opportunity rather than the other way round where you then need to shortcut the process. Never ever forgo the pest and building for example. Have your team around you when entering the buying process - Property strategist, Broker, Accountant & Conveyancer. You will hear all of this and much, much more in this episode of Investing Insights! Are you ready to take the next step in your property investment journey, or simply need guidance on where to next, then book a blueprint meeting with Victor or Steve. Click here https://rightpropertygroup.com.au/blueprintsession/ Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group on social media: Facebook, Instagram, and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au

The property market is flourishing across the country, with a case of FOMO, coupled with undersupply, sending prices north. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss why assertive action and due diligence are key in a rising market. The trio explore what the economic ecosystem is telling us about this period of growth, the consequences of poor decision making, how New Zealand has moved to curb its soaring property prices, and more.