Frequently asked questions
What kind of properties are best for early retirement?
Choosing an investment property for your retirement plan can feel daunting, but at Blue Wealth we have it down to an art with our bespoke property research services. We input macro factors, such as interest rates and inflation, and micro factors, such as schools and infrastructure, into our valuation model to predict the cash flow of a property investment. We will put in a conservative and aggressive estimate, so you know the range of income you can expect from your investment. This is the only independently-audited property valuation model in Australia, which is how we have helped over 6,000 ordinary Aussies successfully invest in property and secure their financial freedom.
The best properties for us are those that will appreciate the most in value. This can be due to a variety factors such as location, infrastructure, macroeconomic movements and the facilities and features of the property itself, such as parking, pools, space and views. The calibre of the property developer is also important. At Blue Wealth, we have long standing relationships with established developers, which allows us to secure exclusive add-ons for our customers such as rental guarantees, settlement rebates, stamp duty exemptions and more.
How can you help me find investment properties that align with my retirement goals?
When you book a discovery call with one of our property investment specialists, they will have a conversation with you about what your long-term financial goals are, and what you would like to get out of retirement planning with property. From this, they’ll create a step-by-step plan to help you achieve your goals.
Can you provide guidance on tax implications for my property investments in the context of retirement planning?
Unlike regular loans, mortgages are seen as “good debt” from a taxation point of view. This means that expenses such as mortgage repayments, or other property-related costs, are tax deductible. Returns from regular investments, however, such as stock dividends, incur a substantial capital gains tax. As such, retirement planning with property allows you to accumulate more wealth as property grows at a similar if not greater rate than most shares, whilst decreasing the amount of tax you pay annually.
How do you approach risk management for retirement planning with property investments?
At Blue Wealth, we only select the best of the best properties, so that your property investment is risk-free and ensures you are financially secure when you choose to depart the workforce. Our extensive macro and micro research, relationships with property developers and valuation model allow us to choose properties that deliver guaranteed safe returns.
Can you provide ongoing support and advice for my property portfolio as a part of my retirement plan?
Our approach to client services at Blue Wealth is unparalleled. We treat our customers like family, and are there from start to finish for our customers’ property investment journey. We provide ongoing investor support, from educational resources, obligation-free discovery calls and end-to-end management of your investment from pre- to post-purchase.
How do you ensure that my property investment provides a steady income stream for my retirement?
We will enter conservative and favourable estimates into our property valuation model to show you the range of cash flow that you can expect from your property investment. This includes various interest rates, inflation rates, mortgage repayments, and property growth rates.
How do you stay up-to-date with changes in the real estate market and investment opportunities that are relevant to retirement planning?
We are always ahead of the curve at Blue Wealth, as our seasoned property specialists are constantly researching emerging macro and micro trends, and creating property investment strategies accordingly.
How do your fees work?
At Blue Wealth, we only charge a commission upon successful property investment. Our educational resources and discovery calls are offered free of charge, to help make your entrance into this journey as seamless as possible.