{"id":9464,"date":"2024-08-10T19:30:00","date_gmt":"2024-08-10T09:30:00","guid":{"rendered":"http:\/\/propertyupdate.com.au\/?p=9464"},"modified":"2024-08-09T13:08:03","modified_gmt":"2024-08-09T03:08:03","slug":"how-many-properties-do-you-need-to-retire","status":"publish","type":"post","link":"https:\/\/propertyupdate.com.au\/how-many-properties-do-you-need-to-retire\/","title":{"rendered":"How many investment properties do you need to retire?"},"content":{"rendered":"<p>Have you wondered how many investment properties you would need to get the ultimate goal of <a href=\"https:\/\/propertyupdate.com.au\/17-steps-financial-freedom-property-investment\/\">financial freedom<\/a>?<\/p>\n<p>I\u2019ve found that while most property investors hope to one day replace their personal income with cash from their investment properties, most don\u2019t have a strategy to achieve their goals.<\/p>\n<p>So, just how many properties does it take to enable you to quit your day job and live comfortably?<\/p>\n<p><strong>The answer is simple\u2026<\/strong><\/p>\n<p>It depends.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-165379 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire6.jpg\" alt=\"Retire6\" width=\"800\" height=\"450\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire6.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire6-600x338.jpg 600w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire6-300x169.jpg 300w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p>OK, that's probably not what you wanted to hear, but in fact, it\u2019s a bad question.<\/p>\n<p>It doesn\u2019t really matter how many properties you own.<\/p>\n<p>What is more important is the value of your asset base and how hard your money works for you.<\/p>\n<p>Because I\u2019d rather own one Westfield shopping centre than 50 secondary properties in regional Australia.<\/p>\n<h2><span class=\"toc_link\" id=\"how-to-invest-in-real-estate-for-retirement-income\">How to invest in real estate for retirement income<\/span><\/h2>\n<p>While many property investors know they want their properties to replace their income, I\u2019ve found most don\u2019t actually think about how they\u2019ll actually achieve financial freedom.<\/p>\n<!-- \/21854739906\/sppall \r\n<div id='div-gpt-ad-1642591295372-0' class='gam-all googlead' style='min-width: 320px; min-height: 480px;'>\r\n  <script>\r\n    googletag.cmd.push(function() { googletag.display('div-gpt-ad-1642591295372-0'); });\r\n  <\/script>\r\n<\/div> -->\r\n\r\n<div class=\"adplugg-tag\" data-adplugg-zone=\"strategic_property_plan_body_\"><\/div>\n<p>They don\u2019t have a strategy.<\/p>\n<p>They don\u2019t have a plan.<\/p>\n<p>They just hope it will happen.<\/p>\n<p>Other investors think that they\u2019ll live off their rental income, yet I rarely see this happen.<\/p>\n<p>It\u2019s just too hard to grow a portfolio of cash flow positive properties of sufficient size to replace your income.<\/p>\n<p>On the other hand, the wealthy investors I deal with have built a cash machine by growing a substantial asset base of high growth properties, and then lowering their loan to value ratios (LVR) so they can transition into the next phase, the cash flow phase of their investment life.<\/p>\n<p>They often have other asset classes in the portfolio or in their superannuation to help supplement their cashflow<\/p>\n<p><strong>They lower their LVR in a variety of ways.<\/strong><\/p>\n<p>They could:<\/p>\n<ul>\n<li>Stop (or slow down) buying properties, so that while the value of their portfolio keeps rising, their loans remain much the same<\/li>\n<li>Add value to their properties by manufacturing capital growth through renovations or development<\/li>\n<li>Pay off some debt using their superannuation<\/li>\n<li>Reduce their debt by paying off principal and interest<\/li>\n<li>Sell a property or 2.<\/li>\n<\/ul>\n<p>But the first stage of their wealth creation strategy always involves building a substantial asset base.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-165374 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire.jpg\" alt=\"Retire\" width=\"800\" height=\"450\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire-600x338.jpg 600w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire-300x169.jpg 300w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"toc_link\" id=\"cant-i-just-live-off-the-rent\">Can\u2019t I just live off the rent?<\/span><\/h2>\n<p>Let\u2019s say you want an annual after-tax income of <strong>$100,000<\/strong>.<\/p>\n<p>How are you going to achieve that?<\/p>\n<p>How many properties do you need?<\/p>\n<p>If your plan is to eventually pay down your debt and live off the rent, you\u2019ll probably need at least $5 million worth of properties with no mortgage to achieve that $100,000 after-tax income.<\/p>\n<p><strong>Don\u2019t believe me?<\/strong><\/p>\n<blockquote><p>The average gross yield for well-located properties in Australia is around 3%, but let\u2019s be generous and say you earn a 4% yield across your property portfolio.<\/p>\n<p>This means if you eventually own $1 million worth of properties with no debt, you\u2019ll get $40,000 rent.<\/p>\n<p>But you\u2019ll still have to pay rates and taxes and agents\u2019 commissions and repairs, leaving you with around $30,000 a year.<\/p>\n<p>And then you\u2019ll have to pay tax on this income.<\/p>\n<p>So, when you do the sums you\u2019ll see that you need an unencumbered portfolio worth at least $5 million to earn the $100,000 a year after tax you want.<\/p><\/blockquote>\n<p>Remember that\u2019s $5 million worth of property and <strong>no mortgage debt,<\/strong> otherwise, your cash flow will be lower.<\/p>\n<p>And of course, you\u2019ll also need to own your own home with no debt against it.<\/p>\n<h2><span class=\"toc_link\" id=\"let-me-ask-you-a-question\">Let me ask you a question...<\/span><\/h2>\n<blockquote><p>Will you ever be able to save $5 million?<\/p>\n<p>Will you ever build a portfolio that size on a few dollars a week of positive cash flow from your rent?<\/p><\/blockquote>\n<p>By now it should be clear that the only way to build a substantial asset base is to take advantage of leveraging and <a href=\"https:\/\/propertyupdate.com.au\/every-property-investor-must-know-power-compounding\/\">compounding<\/a> the growth of well-located properties.<\/p>\n<p>In my mind the only way to become financially independent through property is to first grow a substantial asset base (by buying high growth properties) and then transition to the next stage \u2013 the cash flow stage \u2013 by lowering your debt, but not paying it off completely.<\/p>\n<h2><span class=\"toc_link\" id=\"living-off-investment-properties-after-retirement\">Living off investment properties after retirement<\/span><\/h2>\n<p>Here\u2019s how it works.<\/p>\n<p>Fast forward 10-15 years and imagine you own your own home plus $5 million of well-located investment properties.<\/p>\n<p>If you had a typical 80% LVR, you would be negatively geared.<\/p>\n<!-- \/21854739906\/smsfguideall \r\n<div class='gam-all googlead' id='div-gpt-ad-1637328406384-0' style='min-width: 320px; min-height: 480px;'>\r\n  <script>\r\n    googletag.cmd.push(function() { googletag.display('div-gpt-ad-1637328406384-0'); });\r\n  <\/script>\r\n<\/div> -->\r\n\r\n<div class=\"adplugg-tag\" data-adplugg-zone=\"guide_to_investing_with_smsf_body_\"><\/div>\n<p>On the other hand, if you had no debt against your property portfolio you would have positive cash flow but would forego the benefits of leverage.<\/p>\n<p>Somewhere in the middle, maybe with a 45 -50% LVR, your property portfolio would be self-funding.<\/p>\n<p>You may even have a little cash flow left over, but not enough to live on.<\/p>\n<p>If you think about it, it will be much easier to amass a $5 million property portfolio with $2.5 million of debt than the same size portfolio with no debt.<\/p>\n<p>You could then go to the bank and explain you\u2019ve got a self-funding portfolio that isn\u2019t reliant on your income and in fact, there\u2019s a little cash left over for serviceability.<\/p>\n<p>You would also be likely to need to show serviceability from cash flow assets such as shares which may provide franked dividends<\/p>\n<p>You would then ask for an extra $100,000 loan, so you\u2019re increasing your LVR slightly.<\/p>\n<p>The good news is that you don\u2019t have to pay tax on this money because it\u2019s not income.<\/p>\n<p>But you would have to pay interest, which won\u2019t be tax-deductible if you use the money for your living expenses.<\/p>\n<p>This means after the interest payments you\u2019re left with around $94,000 to live off.<\/p>\n<h3>Crunch the numbers<\/h3>\n<p>At the end of the year, you\u2019ve \u201ceaten up\u201d your $100,000 but in a good year, your $5 million property portfolio would increase in value by say $500,000.<\/p>\n<p>In an average year, it will have increased in value by $400,000 and in a bad year, it may have only gone up by $150,000 or $200,000.<\/p>\n<p><strong>Of course, your rents will also have increased because your properties have increased in value.<\/strong><\/p>\n<p>Sure you\u2019ve used up the $100,000 you borrowed, but because your portfolio has risen in value, along with rents, your LVR is less at the end of the year than at the beginning, so you finish off the year richer than you began it.<\/p>\n<p>You truly have a cash machine, and then you can do this over and over again.<\/p>\n<p>Again - this cash machine is likely to need to be a portfolio of various assets including residential real estate, commercial real estate for cash flow and shares or something similar for cash flow.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-165375 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire2.jpg\" alt=\"Retire2\" width=\"800\" height=\"450\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire2.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire2-600x338.jpg 600w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire2-300x169.jpg 300w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"toc_link\" id=\"does-this-really-work\">Does this really work?<\/span><\/h2>\n<p>In the old days living off the equity of your properties was easy.<\/p>\n<p>You just had to go to the bank and get a low doc loan and as long as your properties increased in value it was smooth sailing.<\/p>\n<p>Sure it\u2019s harder today. In fact it's much, much harder.<\/p>\n<p>But it\u2019s definitely doable.<\/p>\n<p>You just have a diversified portfolio of assets that provide cash flow plus a residential property portfolio with a low LVR to show serviceability from your properties to the bank.<\/p>\n<p>Needless to say, you can\u2019t achieve this overnight.<\/p>\n<p>It takes time to build a substantial asset base and a comfortable LVR.<\/p>\n<p>But if you take advantage of the magic of leverage, compounding and time, it happens.<\/p>\n<h2><span class=\"toc_link\" id=\"is-property-really-a-good-investment-for-retirement\">Is property really a good investment for retirement?<\/span><\/h2>\n<p>It sounds like a lot of trouble to build a property portfolio to fund your retirement.<\/p>\n<p>And it is and it takes 25 to 30 years but what\u2019s the alternative?<\/p>\n<p>In the past relying on <u><a href=\"https:\/\/propertyupdate.com.au\/6-common-mistakes-made-when-buying-an-investment-property-in-an-smsf\/\" target=\"_blank\" rel=\"noopener\">superannuation<\/a><\/u> and the old-age pension was once the norm when it came to funding your retirement.<\/p>\n<p>But an ageing Aussie population means we now need to be a bit more self-sufficient.<\/p>\n<p>And this means that having a retirement plan to look after your golden years is non-negotiable.<\/p>\n<p>So diversifying your investments, including property, can provide the cash flow you need to sustain your lifestyle.<\/p>\n<p>But it doesn\u2019t come without some drawbacks.<\/p>\n<p>Here\u2019s a list of the pros and cons of investing in property to supplement your retirement.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-165376 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire3.jpg\" alt=\"Retire3\" width=\"800\" height=\"450\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire3.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire3-600x338.jpg 600w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire3-300x169.jpg 300w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"toc_link\" id=\"the-pros\">The pros<\/span><\/h2>\n<ol start=\"1\">\n<li><strong>It\u2019s a reliable source of income<\/strong><\/li>\n<\/ol>\n<p>Rental income is a great and reliable way to pay off your mortgage.<\/p>\n<p>And once the loan is paid off it's a steady income to fund your retirement lifestyle, supplementing your superannuation every month.<\/p>\n<ol start=\"2\">\n<li><strong>You could win the capital gains game<\/strong><\/li>\n<\/ol>\n<p>If you make a smart choice about the property you buy, you can earn a hefty profit through capital gains at a sale.<\/p>\n<ol start=\"3\">\n<li><strong>You can leverage generous tax breaks<\/strong><\/li>\n<\/ol>\n<p>Looking at your property as a long-term investment can pay dividends when it comes to retirement.<\/p>\n<p>Negatively-geared properties provide a tax deduction throughout the life of your loan.<\/p>\n<p>If and when it comes time to <u><a href=\"https:\/\/propertyupdate.com.au\/when-should-you-sell-your-investment-property\/\" target=\"_blank\" rel=\"noopener\">sell your investment property<\/a><\/u> at a profit, you may also be entitled to claim up to a 50% discount on <u><a href=\"https:\/\/propertyupdate.com.au\/a-complete-guide-to-capital-gains-tax\/\" target=\"_blank\" rel=\"noopener\">capital gains tax<\/a><\/u>, if you\u2019ve owned the property for more than 12 months.<\/p>\n<ol start=\"4\">\n<li><strong>You\u2019re in control<\/strong><\/li>\n<\/ol>\n<p>The great thing about investing in property for retirement is that you get to choose where and when to buy (and when to sell) and how much rent to charge.<\/p>\n<p>You can even add value to your property through renovations and upgrades to boost your investment further.<\/p>\n<h2><span class=\"toc_link\" id=\"the-cons\">The cons<\/span><\/h2>\n<ol>\n<li><strong>Property markets can be volatile<\/strong><\/li>\n<\/ol>\n<p>As we know, navigating the property market can be a rollercoaster ride.<\/p>\n<p>Prices can surge quickly, and also plummet without warning.<\/p>\n<p>This is why it\u2019s so important to buy an <u><a href=\"https:\/\/propertyupdate.com.au\/what-makes-an-investment-grade-property\/\" target=\"_blank\" rel=\"noopener\">investment-grade<\/a><\/u> property in a great suburb, rather than investing in something which is cheap or \u2018good value for money at the time.<\/p>\n<p>These types of investments are more resilient to market volatility.<\/p>\n<p>But ultimately, even with the right investment choices, there is always the danger that you can never have complete control over what the markets do.<\/p>\n<ol start=\"2\">\n<li><strong>You have to spend money to make money<\/strong><\/li>\n<\/ol>\n<p>Owning an investment property comes with the responsibility of paying ongoing costs -\u00a0 such as maintenance, extended vacancy periods, insurance and land tax.<\/p>\n<ol start=\"3\">\n<li><strong>You could pay more tax<\/strong><\/li>\n<\/ol>\n<p>If you\u2019ve paid off your mortgage, your property may move from a negative or neutral geared investment to a positively geared investment (where you\u2019re receiving more in rental income than what you\u2019re paying out).<\/p>\n<p>That means you\u2019ll have to start paying tax on that income \u2013 but that\u2019s really much the same for any income you earn.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-165377 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire4.jpg\" alt=\"Retire4\" width=\"800\" height=\"450\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire4.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire4-600x338.jpg 600w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire4-300x169.jpg 300w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"toc_link\" id=\"selling-investment-properties-after-retirement\">Selling investment properties after retirement<\/span><\/h2>\n<p>I know some financial planners recommend selling an investment property or two before retirement in order to free up any equity built on the property and convert it into spending cash or more investments etc.<\/p>\n<p>But if you can wait until after retirement to sell your investment property, you could actually see the amount of tax on capital gains and depreciation recapture decrease based on your taxable income.<\/p>\n<p>Assuming your taxable income is zero (you know, because you\u2019ve retired), your capital gains tax could also be much less.<\/p>\n<p>While it\u2019s not that retirees are exempt from capital gains tax, because there is no age bracket for paying the tax, it is dependent on your total income.<\/p>\n<p>Also, it\u2019s worth remembering that assets purchased before 20 September 1985 are exempt, and exemptions apply to certain SMSF asset sales.<\/p>\n<p>Keep in mind, however, that when you sell an investment property after retiring, it can affect your Age Pension entitlements.<\/p>\n<p>But you\u2019re not planning to be on the pension, are you?<\/p>\n<p>And you really shouldn\u2019t be considering selling your cash machine of investment properties either.<\/p>\n<h2><span class=\"toc_link\" id=\"the-importance-of-an-asset-protection-plan\">The importance of an asset protection plan<\/span><\/h2>\n<p>Of course, this strategy depends on the growth in your <a href=\"https:\/\/propertyupdate.com.au\/how-to-build-a-property-portfolio-in-australia\/\">property portfolio<\/a> and your ability to ride the property cycle.<\/p>\n<p>This means that as you build your asset base, buying high-growth properties and adding value, you will need an <a href=\"https:\/\/propertyupdate.com.au\/protect-your-existing-assets-without-triggering-tax-and-stamp-duty\/\">asset protection<\/a> plan to see you through the ups and downs that you\u2019ll experience.<\/p>\n<p>After all, over the next 10 years, we\u2019ll have good times and bad.<\/p>\n<p>There will be periods of high-interest rates and times of lower interest rates.<\/p>\n<p>And we\u2019ll have periods of strong economic growth, but there will also be downturns.<\/p>\n<p>Savvy investors count on the good times but plan for the downturns by having an asset protection plan, as well as a finance and tax strategy to make sure they set up their structures in the most efficient way.<\/p>\n<p>Don\u2019t get me wrong, while I\u2019ve just made gaining financial freedom from property investing sound simple, it\u2019s not easy.<\/p>\n<p>And that\u2019s not a play on words.<\/p>\n<p>The fact is, around 20% of those who get involved in property investment sell up in the first year and close to half sell their property in the first 5 years.<\/p>\n<p>And of those investors who stay in property, about 90% never get past their second property.<\/p>\n<p>So if you want financial freedom from property investment to fund your dreams, you\u2019re going to have to do something different to what most property investors are doing.<\/p>\n<p>You\u2019re going to have to listen to different people to who most Australian property investors listen.<\/p>\n<p>You\u2019re going to need to set yourself some goals and follow a strategy that\u2019s known, proven and trusted.<\/p>\n<p>Then you grow your property investment businesses one property at a time.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-165378 img-responsive\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire5.jpg\" alt=\"Retire5\" width=\"800\" height=\"450\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire5.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire5-600x338.jpg 600w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/02\/retire5-300x169.jpg 300w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"toc_link\" id=\"buying-the-right-type-of-property-is-the-key\"><strong>Buying the right type of property is the key.<\/strong><\/span><\/h2>\n<p>One that has a level of scarcity, meaning they will be in continuous strong demand by owner-occupiers (to keep pushing up the value) and tenants (to help subsidise your mortgage); in the right location (one that has outperformed the long term averages), at the right time in the property cycle (that would be now in many states) and for the right price.<\/p>\n<p>To become a successful investor you will need to surround yourself with a team of independent and unbiased professional advisors (not salespeople).<\/p>\n<p>A team of people who are known, proven, and trusted, so it is probably appropriate to remind you that in changing times like we are experiencing, no one can help you quite like the independent property investment strategists at Metropole.<\/p>\n<p>But more than that...<\/p>\n<h2><span class=\"toc_link\" id=\"you-need-to-plan\">You need to plan<\/span><\/h2>\n<div class=\"col-12 service__title\">\n<div class=\"text-center sub-header\">\n<p>Attaining wealth doesn\u2019t just happen, it\u2019s the result of a well executed plan.<div class=\"adplugg-tag\" data-adplugg-zone=\"the_sentiment_campaign_body_\"><\/div><\/p>\n<\/div>\n<\/div>\n<p>Planning is bringing the future into the present so you can do something about it now!<\/p>\n<p>If you\u2019re a beginner looking for a time tested property investment strategy or an established investor who\u2019s stuck or maybe you just want an objective second opinion about your situation, I suggest you allow the team at Metropole to build you a personalised, customised <a href=\"https:\/\/metropole.com.au\/strategic-property-plan\/\" target=\"_blank\" rel=\"noopener\">Strategic Property Plan<\/a><\/p>\n<p>When you have a Strategic Property Plan you\u2019re more likely to achieve the financial freedom you desire because we\u2019ll help you:<\/p>\n<ul>\n<li>Define your financial goals;<\/li>\n<li>See whether your goals are realistic, especially for your timeline;<\/li>\n<li>Measure your progress towards your goals \u2013 whether your property portfolio is working for you, or if you\u2019re working for it;<\/li>\n<li>Find ways to maximise your wealth creation through property;<\/li>\n<li>Identify risks you hadn\u2019t thought of.<\/li>\n<\/ul>\n<p>And the real benefit is you\u2019ll be able to grow your wealth through your property portfolio faster and more safely than the average investor.<\/p>\n<p><a href=\"https:\/\/metropole.com.au\/strategic-property-plan\/\" target=\"_blank\" rel=\"noopener\">Click here now<\/a> and learn more about this service and discuss your options with us.<\/p>\n<p dir=\"auto\">Your Strategic Property Plan should contain the following components:<\/p>\n<ol>\n<li>An asset accumulation strategy<\/li>\n<li>A manufacturing capital growth strategy<\/li>\n<li>A rental growth strategy<\/li>\n<li>An asset protection and tax minimisation strategy<\/li>\n<li>A finance strategy including long-term debt reduction and\u2026<\/li>\n<li>A living off your property portfolio strategy<\/li>\n<\/ol>\n<p><a href=\"https:\/\/metropole.com.au\/strategic-property-plan\/\" target=\"_blank\" rel=\"noopener\">Click here now<\/a> and learn more about this service and discuss your options with us.<\/p>\n<aside><strong style=\"clear: both; margin: 40px 0 20px 0; font-size: 24px; color: #000000; font-family: Oswald, Regular; font-weight: 400; line-height: 1.1;\">Are you wondering how you should invest in this interesting phase of the property cycle?<\/strong> <img loading=\"lazy\" decoding=\"async\" class=\"wp-image-182373 size-full alignnone\" style=\"max-width: 100% !important; height: auto;\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01.jpg\" alt=\"Metropole Property Strategists\" width=\"800\" height=\"213\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01-300x80.jpg 300w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01-600x160.jpg 600w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\r\n<p>If you're like many property investors, you're probably wondering what's the right thing to do at present.<\/p>\r\n<p>Should you buy, should you sell, or should you just wait?<\/p>\r\n<p>You can trust the team at Metropole to provide you with\u00a0<strong>direction<\/strong>,\u00a0<strong>guidance<\/strong>,\u00a0and\u00a0<strong>results<\/strong>.<\/p>\r\n<p>Whether you\u2019re a beginner or an experienced investor, at times like we are currently experiencing you need an advisor who takes a holistic approach to your wealth creation and that\u2019s exactly what you get from the multi-award-winning\u00a0<a href=\"https:\/\/metropole.com.au\/meet-the-team\/?utm_source=pu-postender&amp;utm_medium=referral\">team at Metropole<\/a>.<\/p>\r\n<p>We help our clients grow, protect and pass on their wealth through a range of services including:<\/p>\r\n<ol>\r\n<li><strong>Strategic property advice<\/strong>\u00a0\u2013 Allow us to build a <strong>Strategic Property Plan<\/strong> for you and your family.\u00a0 Planning is bringing the future into the present so you can do something about it now! <a href=\"https:\/\/metropole.com.au\/strategic-property-plan\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here to learn more <\/a><\/li>\r\n<li><strong>Buyer\u2019s agency<\/strong> \u2013 As Australia\u2019s most trusted buyers\u2019 agents we\u2019ve been involved in over $4Billion worth of transactions creating wealth for our clients and we can do the same for you. Our on the ground teams in Melbourne, Sydney, and Brisbane bring you years of experience and perspective \u2013 that\u2019s something money just can\u2019t buy. We\u2019ll help you find your next home or an investment-grade property.\u00a0\u00a0<a href=\"https:\/\/metropole.com.au\/home-buying\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here to learn how we can help you<\/a>.<\/li>\r\n<li><strong>Property Development<\/strong> - We enable you to become an \u201carmchair developer\u201d and get all the benefits of property development without getting your hands dirty. We take the hassles out of your investment by assisting you with all the expertise you need, from concept to completion, including construction. <a href=\"https:\/\/metropole.com.au\/develop\/?utm_source=pu-postender&amp;utm_medium=referral\">Click here to see if it\u2019s the right way for you to grow your portfolio<\/a>.<\/li>\r\n<li><strong>Wealth Advisory<\/strong> \u2013 We can provide you with strategic tailored financial planning and wealth advice. <a href=\"https:\/\/wealthadvisory.metropole.com.au\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here to learn more about we can help you<\/a>.<\/li>\r\n<li><strong>Property Management<\/strong> \u2013 Our stress-free property management services help you maximise your property returns. <a href=\"https:\/\/propertymanagement.metropole.com.au\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here<\/a> to find out why our clients enjoy a vacancy rate considerably below the market average, our tenants stay an average of 3 years, and our properties lease 10 days faster than the market average.<\/li>\r\n<\/ol>\r\n<\/aside>\n<div class=\"adplugg-tag\" data-adplugg-zone=\"scoreapp_mobile_\"><\/div>\r\n<div class=\"adplugg-tag\" data-adplugg-zone=\"scoreapp_desktop_\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Have you wondered how many investment properties you would need to get the ultimate goal of financial freedom? I\u2019ve found that while most property investors hope to one day replace their personal income with cash from their investment properties, most don\u2019t have a strategy to achieve their goals. So, just how many properties does it&#8230;<\/p>\n","protected":false},"author":3,"featured_media":52252,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[54,1075,3,1186],"tags":[86,572,1183,1143],"class_list":["post-9464","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-property-updates","category-michael-yardney-property-investment-expert","category-property-investment","category-weekly_latest","tag-buying-property-investment","tag-feature-featured","tag-homepage-top","tag-property-investment-lp-3"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How many investment properties do you 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