{"id":1702,"date":"2016-03-16T03:45:45","date_gmt":"2016-03-16T03:45:45","guid":{"rendered":"http:\/\/www.prosolution.com.au\/?p=1702"},"modified":"2018-03-08T17:17:21","modified_gmt":"2018-03-08T07:17:21","slug":"what-were-my-clients-investing-in-10-years-ago-and-how-did-it-work-out","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/what-were-my-clients-investing-in-10-years-ago-and-how-did-it-work-out\/","title":{"rendered":"What were my clients investing in 10 years ago and how did it work out?"},"content":{"rendered":"<p style=\"text-align: right;\"><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.prosolution.com.au\/wp-content\/uploads\/2016\/03\/What-were-clients-investing-in-10-years-ago-and-how-did-it-work-out.pdf\" target=\"_blank\">Click here to download a printable PDF<\/a><\/span><\/p>\n<p>Do you regret not investing in property 10 years ago? Do you feel like you have missed the boat and wonder if it\u2019s still worth investing now? What separates successful investors from the rest? History leave clues\u2026 so read on.<\/p>\n<p>For the last 14 years I have met with at least one prospective investor every business day, on average. By my calculations, I have probably had well over 3,000 conversations. No wonder I feel old and tired! After this much experience, you start to notice some patterns that separate the people that successfully build wealth and the ones that don\u2019t. I can solidify these differences down to two behaviours.<\/p>\n<p>Firstly, successful investors do not procrastinate. They make the decision of whether to invest or not. Either way a timely decision is made. Investing in property or shares and managing it takes no more than a couple of hours of your time per year \u2013 so \u201cI have been busy\u201d or \u201cI don\u2019t have time\u201d are just stories we tell ourselves \u2013 after all there are 8,760 hours in a year \u2013 you can\u2019t find 2? Often, the real reason people procrastinate is <em>fear<\/em> \u2013 fear of doing the wrong thing, looking like an idiot and losing money. What they don\u2019t realise is that doing <em>nothing<\/em> can be just as bad as doing the <em>wrong<\/em> thing. Successful investors don\u2019t let any fears delay them\u2026 which brings me onto the second thing successful investors do.<\/p>\n<p>Successful investors let other people help them and don\u2019t try and do it all themselves. They realise that the best source of <em>knowledge<\/em> is from <em>experience<\/em> \u2013 so they consult with the people that have the right experience to help them with their decisions. They know that their success lies in the <em>\u2018who\u2019<\/em> question not the <em>\u2018what\u2019<\/em> question. That is, <em>who<\/em> is the person that has the relevant experience to help me with the answer to my investment question? Not, <em>what<\/em> is the answer to my investment question?<\/p>\n<p>I thought it would be an interesting exercise to randomly pick a handful of properties that some of my clients purchased 10 years ago to see how they have turned out \u2013 and, more importantly, why they turned out the way they did. I can assure you that these example property acquisitions were selected at random by a staff member \u2013 no \u2018cherry picking\u2019 here. Let\u2019s begin with the good news\u2026<\/p>\n<p><strong><em>The good<\/em><\/strong><\/p>\n<ul>\n<li><strong>East Melbourne, VIC: Purchased house for $1.9 million in 2006 \u2013 current value is over $4 million = &gt; 8% p.a. growth<\/strong> \u2013 East Melbourne is a small and very desirable suburb with wide streets, period homes, few high-rises and a short walk to the city. The clients received advice from a reputable buyers\u2019 agent when selecting this property. I recall that when they purchased it, $1.9 million seemed expensive to me (not too much but certainly on the high side) but it looks very cheap today. I would not be surprised if this property is worth close to $10 million by 2026. This property has a strong land value, perfect location and very strong historic performance (i.e. growth of circa 10.9% p.a. between 1981 and 2006).<\/li>\n<li><strong>Concord West, NSW: Purchased house for $780k in 2006 \u2013 current bank value is $1.8 million = &gt; 8.70% p.a. growth<\/strong> \u2013 This house was purchased mostly for land value (about 70% was land value). The past growth (between 1991 and when the clients purchased it in 2006) was very strong at over 8% p.a. Historic capital growth is often a strong indicator of future growth and this is no exception.<\/li>\n<li><strong>Hawthorn, VIC: Purchased a one-bedroom unit for $330k in 2006 \u2013 current value is at least $650k = 7.60% p.a. growth<\/strong> \u2013 This property is a single level group of 10 units \u2013 which means that it has a very strong land value component in a fantastic suburb. The property was purchased as a pure investment and a buyers\u2019 agent assisted with the acquisition. Historic growth of this property since 1979 (to 2006), some 26 years was 9.20% p.a. So it has strong historic growth, strong land value component and scarcity.<\/li>\n<li><strong>Mont Albert, VIC: Purchased 3 bedrooms home for $510k in 2006 \u2013 current value is approximately $1 million = &gt; 7.0% p.a.<\/strong> \u2013 This California Bungalow house was initially purchased as an owner-occupier home (for the clients eventual return to Australia) but has been used mainly as an investment property. I couldn\u2019t find any past sales data. The property is mostly land value in a desirable suburb. A buyers\u2019 agent assisted with the acquisition.<\/li>\n<\/ul>\n<p><strong><em>The bad<\/em><\/strong><\/p>\n<ul>\n<li><strong>Glenwood, NSW: Purchased a 4 bedroom home for $455k in 2006 \u2013 current value close to $550k = 2.60% p.a. growth<\/strong> \u2013 Glenwood is a suburb 40 kms west of Sydney so the first problem is the lack of (excessive) demand for land in this area. You want to invest in a location where there are 20 potential buyers for every seller. Secondly, the house was constructed in the year 2000. Therefore, more than 50% of the purchase price probably would have represented building value. In summary, the problems with this investment property include; low land value, land is not in a highly desirable location and no scarcity.<\/li>\n<li><strong>Southport, QLD: Purchase 3 bedroom home for $395k in 2006 \u2013 sold it in 2013 for $405k = lost money <\/strong>\u2013 The historic growth of this 1970\u2019s home was quite strong up until around 2004 \u2013 which demonstrates that assessing a property\u2019s quality requires both an objective and subjective approach. Since this time, the property has had little to no growth. I suspect that the problem is the lack of scarcity and quality of the area i.e. if you have more money to spend you would spend it in a better location. Southport and the Gold Coast are not investment-grade locations as demand is too volatile. In summary, good land value, good past growth, just the wrong location.<\/li>\n<\/ul>\n<p><strong><em>The lessons history teaches us<\/em><\/strong><\/p>\n<p>I think these property acquisitions make for interesting reading and there are 5 lessons we can learn:<\/p>\n<ol>\n<li><strong>The aim is to double your money every 10 years.<\/strong> The aim of investing in property is for the property to have strong future growth prospects. Essentially, you want the property to double in value over 10 years at least (which requires a growth rate of 7% p.a. or more). Probably the biggest objection or question that new clients have is \u201chow do you know if a property is going to double in value every 10 years?\u201d The short answer is to find someone with many decades of experience in buying property in that location and pay for their professional advice. The longer answer is that there are three things you need; scarcity, land value and growth historic growth. <a href=\"http:\/\/www.prosolution.com.au\/nov14\/\" target=\"_blank\">Click here<\/a> to read more.<\/li>\n<li><strong>Asset selection is absolutely key.<\/strong> Leading on from the first point above, it is critical that you realise that 80% of your financial outcomes will be determined by the quality of property (assets for that matter) you invest in. You cannot expect above average returns from an average property. My advice is to obsess about quality and take advice on the rest.<\/li>\n<li><strong>All good quality investments need time \u2013 so start as soon as possible.<\/strong> There are only two ingredients required for a successful investment strategy; quality assets and <a href=\"http:\/\/www.prosolution.com.au\/double-your-return-in-5-years\/\" target=\"_blank\">time<\/a>. You cannot take short cuts without exposing yourself to high risks. So that\u2019s why it was important for you to invest 10 years ago. Failing that, today is the second best time.<\/li>\n<li><strong>One thing that\u2019s guaranteed \u2013 an investment-grade property will cost you a whole lot more in 10 years\u2019 time.<\/strong> You can either invest today or later. However, you have to realise that if you do not invest today that you will have to pay (a lot) more for the same property. That means it will be harder to make a start, you\u2019ll need to borrow more and you will not be able to make up for lost time.<\/li>\n<li><strong>You can do it too<\/strong>. There is nothing special about the clients that invested in the good property examples above. They are not smarter than you, earn more money or have more time. The only thing that separates them from you is that they knew what they needed to do (had a plan) and they took action.<strong><em><br \/>\n<\/em><\/strong><\/li>\n<\/ol>\n<p><strong><em>Where will you be in 2026?<\/em><\/strong><\/p>\n<p>If I asked you to write down what you would like your net worth to be in 10 years\u2019 time \u2013 a realistic amount that you would be happy with \u2013 what would that number be? If you double the value of your current investments assets (property, shares and super), does it get you to that number? If not, it sounds like you need to invest more.<\/p>\n<p>Learn from the above experiences and don\u2019t procrastinate. <strong>Either way, you need to decide if you are an investor in 2016 or not.<\/strong> If you are an investor, feel free to contact us and we can help you get started. I am confident that after 14 years of experience, we can guide you in the right direction to ensure your hopes and dreams become reality.<\/p>\n<p>By the way, it is important to note that we have no investments to sell you. We don\u2019t take commissions from investments nor accept referral fees from anyone, so our independence is always maintained. When it comes to advising what you should invest in, our only interest is ensuring it is investment-grade. We sit on your side of the table.<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>Click here to download a printable PDF Do you regret not investing in property 10 years ago? Do you feel like you have missed the boat and wonder if it\u2019s&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[536,30,18],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What were my clients investing in 10 years ago and how did it work out?<\/title>\n<meta name=\"description\" content=\"What were my clients investing in 10 years ago and how did it work out?\" \/>\n<meta name=\"robots\" content=\"noindex, follow, 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