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PAGE SIX ONE


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4HEPLANHASCLEARlNANCIALGOALS4HECORNERSTONEOF THESTRATEGYISANAFFORDABLEINVESTMENTPROPERTYTHAT TYPICALLYUSESEXISTINGEQUITYINTHEFAMILYHOMEASA DEPOSIT7HATMAKESTHISEASIERISTHATTHEBALANCEIS FUNDEDBYANEWMORTGAGE2EPAYMENTSAREFUNDED PRIMARILY IFNOTCOMPLETELY BYRENTALINCOMEFROM TENANTSANDTAXCONCESSIONSFROMTHEGOVERNMENT 4HEPOWEROFTHESTRATEGYUNFOLDSOVERTIME ASRENTAL INCOMEINCREASES ANDTHECAPITALVALUEOFTHEPROPERTY APPRECIATES4HESOLUTIONCOULDSPELLTHEDIFFERENCE BETWEENRETIREMENTHARDSHIPANDTHEQUALITYOFLIFEYOU HAVEALWAYSHOPEDFOR4HEONLYREQUIREMENTISTHAT YOUINVESTSOMETIMEUP FRONTIDENTIFYINGTHEEXTENT OFTHEFUTURECHALLENGE ANDTHENHAVETHECOURAGETO ACTONIT

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PAGE PAGEONE TEN


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,EVERAGECANSIMILARLYBEAPPLIEDTOACCELERATEOUR lNANCIALGOALS!TITSCORE lNANCIALLEVERAGEMEANS USINGASMALLAMOUNTOFOUROWNMONEYANDA MUCHLARGERAMOUNTOFOTHERPEOPLESMONEYAND THENINVESTINGITTOINCREASEOURWEALTHANDASSETS OVERTIME "ANKSAREPREPAREDTOLOANTHEMAJORITYOFTHE PURCHASEPRICEOFAPROPERTYBECAUSEOFTHE CONlDENCETHEYHAVEINITSLONG TERMSECURITY 4HISENABLESYOUTOGETTHELEVERAGEYOUNEEDTO ACCELERATETHEGROWTHRATEOFYOURINVESTMENTAND INCREASEYOURRETURNS)NTHECASEOFINVESTMENT PROPERTY ATODEPOSITANDAMORTGAGE FORTHEBALANCEGIVESYOUOWNERSHIPANDEFFECTIVE CONTROLOFAVALUABLEGROWTHASSET

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Contribution

9EAR %ND6ALUE

19





 

 







 

 







 

 







 

   







 







 

 







 

 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



 



 

 



   

 



 

 



 

500,000



 

 



 

450,000



 

 



 

400,000



 

 



 



 

 



 

350,000



 

 



 



 

 



 



 

 



 

250,000



 

 



 

200,000



 

 



 



 

 



   

150,000



 

 



 



 

 



 

0 Year

#!0)4!,#)49(/53%02)#%).#2%!3%3

2003

 

2001



1999

 

1997

 

1995

 1993

 

50,000 1991



1989



 

1987

 

 

1985

 



1983



100,000

Source: Australian Bureau of Statistics

0!'%4()24%%.

9EAR %ND6ALUE

 

1981

4HERESULTSAREASTOUNDINGDESPITEONLYMAKING PAYMENTS BYMAKINGTHEMEARLIER)NVESTOR" ENDSUP MAKING-/2%MONEYTHAN)NVESTOR! WHOSTARTED LATERBUTWHOMADECONTRIBUTIONSOFEACH

INVESTOR B

Contribution



300,000

House Value

)NVESTOR! MAKESNOCONTRIBUTIONUNTILAGE WHICHISTHEAGE)NVESTOR" ISWHENHEMAKESHIS LASTINVESTMENT )NVESTOR! THENCONTRIBUTES AYEAREVERYYEARUNTILHEIS ALSOATAN AVERAGEGROWTHRATEOF

INVESTOR A Age



ANNUAL MEDIAN HOUSE PRICES ($)

1979

4HEWORD@COMPOUNDISUSEDTODESCRIBETHEPROCESS WHEREBYINTERESTISEARNEDONTHEOUTSTANDINGCAPITAL AMOUNTASWELLASONTHEPREVIOUSINTERESTTHATHAS BEENEARNED)NOTHERWORDS YOUEARNINTERESTON INTEREST)TISTHEROADTOLONGTERMRICHES4OACCESS ITSPOWERYOUNEEDTOBEPREPAREDTOMAKESOME SACRIlCETOINVEST ANDTHENHAVEENOUGHTIMEFORTHE MIRACLEOFCOMPOUNDINGTODOITSWORK

)NSUMMARY LEVERAGEENABLESYOUTOINVESTONLY TOOFTHECAPITAL YETKEEPOFTHEGROWTH #OMPOUNDINGSHOWSTHEREMARKABLETIMEVALUEOF MONEY ANDISTHEREASONWHYINVESTINGINAGROWTH ASSETISADECISIONNOTTOBEDELAYED

1977

%INSTEINALSOREFERREDTOCOMPOUNDINTERESTASTHE TH7ONDEROFTHE7ORLD

1975

Albert Einstein

)NTHECASEOFINVESTMENTPROPERTY THELONGTERM TRENDSSHOWPROPERTYDOUBLINGINVALUEEVERY TOYEARS4HISMEANSTHATTHEGROWTHIS COMPOUNDINGASPERTHEEXAMPLEABOVE

1973

h4HEMOSTPOWERFULFORCEINTHE UNIVERSEISCOMPOUNDINTERESTv

)TSEEMSUNBELIEVABLE SOCHECKTHETABLEALONGSIDE FORTHEEVIDENCE4HISISTHEULTIMATEPROOFOFTHE SAYING h4IMEISMONEYv

1971

#/-0/5.$'2/74(

Sydney Melbourne Brisbane

,ESS4OTAL)NVESTED

(80.000)

(14,000)

%QUALS.ET%ARNINGS

893,704

930,641

-ONEY'REW

11-fold

66-fold

Source: Market Logic, Fort Lauderdale.


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