Articles 20VN | Investment Properties - Why We Need Them ...

Once we pass a certain age - say 50 - we begin "to run out of birthdays" to tuck sufficient aside for 20-25 years of a comfortable retirement.

However apartment Properties - Why We Need Them

portfolio of investment properties - because of their potential for gearing, because the tenant will be paying most of the running costs for you, because the taxman will be making a contribution to your well-being, and because property is inflation protected - is probably the only viable approach for people in late career who don't have enough.

In comparison to other forms of a retirement investment, this strategy provides both full flexibility and control, with minimal expense.

If your retirement planning strategy requires you to save from our income, the modest amounts that are possible (even with the magic of compound interest) can never be enough. Which is why the financial planning community is reluctant go down this path with you.

There are four major financial issues facing most of us:

(1) most of us won't have enough for 20-25 years of a comfortable retirement

(2) the high statistical probably that many of us will outlive our savings

(3) the impact of inflation on a fixed income pension

(4) the value of a private pension - year to year - depends solely on the stock market.

What you need is to seek out are professional retirement planning counsellors who have a focus is on creating financial solutions for private clients who feel that their investments and superannuation may not be sufficient for the lifestyle that they aspire to for 20-25 years of a comfortable retirement, particularly if they have to neutralise a household mortgage before retirement.

This counsellor should be able to offer proof of an extremely efficient yet conservative investment program, by providing independent research for residential property investors. To build your confidence in what any consultancy has been able to achieve for its private clients, ask to study the testimonials of satisfied clients.

Ideally the practice you sign with should has its focus is on the rescue lifeline that is available to (late career) individuals and couples without adequate savings.

It would be worthwhile if their proven strategy also works for young people who just intend to become seriously wealthy as well as for couples with older children who are concerned about helping their children in due course who, as first home buyers, will continue to see house prices soaring out of reach.

As an alternative for anyone in late career, if property investing is not possible for them, is to develop a hobby into a "profitable hobby".

This is, in effect would be a micro business, however the stimulation it provides, in addition to a modest supplemental income, will go a long way to underpinning the four pillars of retirement planning - your health, financial resources, family & friends and your zest for living.

Source: http://www.20vn.com/investing/investment-properties-why-we-need-them-c88.htm

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