Property Investment Plan & Advice

Property Investment Plan - Retirement Planning

Strategy, financial advice and property investment plan tailored for you and your situation by an Authorised Financial Adviser (AFA). How to build wealth…

Building wealth through investment will provide a healthy nest egg to see you through retirement. But you shouldn’t just jump into it willy-nilly. Whichever course you take, the key to turning a nest egg into a reliable income stream that will see you through retirement is having an investment plan and acting early.

Some ugly truths about retirement

    • On average, 80% of 65-year-old women can now expect to live until they’re 94, and 65-year-old men until they’re 90. You’ll need a plan!
    • Many kiwis plan to downsize their family home to support them through retirement. But research* shows a stark reality for those retirees who do just that. On average the equity released provides income for only 3 years.
    • Worse, most retirees will use up their total savings in just 10 years and rely solely on the state pension after that.
    • More than two-thirds of retirement-age New Zealanders feel they don’t have enough income to live comfortably.
    • This research* demonstrates the need for you to shape your own future.

*Source: Research undertaken by New Zealand’s Financial Services Council

To plan a bountiful lifestyle in retirement, talk to us now…

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Why invest in a property investment plan?

Creating a property investment plan will help clarify how to go about reaching your goals and keep you on track when you’re tempted to abandon the effort.

Your property investment plan is personalised advice tailored to your personal circumstances. This means your adviser will help you weigh up the pros and cons of investing in commercial property, and which property class is most suitable for you.

You will deal with several members of our team depending on your individual requirements and the requirements of the Financial Advisers Act.

As you’ll be receiving personalised financial advice, you can expect your adviser to take your personal situation and goals into account. Your adviser will give you an opinion about what is right for you. You should then consider this advice.

To make a solid property investment plan, we start by gathering relevant financial information, determining your goals, and examining your current financial status. Once we fully understand why you are investing, it becomes easier to develop a strategy and build a plan that gets you to the finish line.

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Here are the 5 steps we follow when building a sound property investment plan

1. Start at the end

Starting with the end in mind is an important part of intelligent investing. What’s the purpose of your property investment?

Do you need income to live on now, or growth so the investments can provide income and security later, during your retirement years?

We work with you to think about how you will use the money in the end, and determine your needs. From there we clarify your short-term and long-term goals.

2. Calculate how much you have to invest

In order to build a solid property investment plan, we next work with you to determine how much you can invest. A unique feature of property investment is that you have two sources of funds for investing…

    • Cash
    • The equity in your own home (or property portfolio)

One of the beauties of commercial property investment is that yields are higher and, if structured properly, always cashflow positive. This means you don’t hit the funding wall as quickly as residential property investors.

We’ll take all that into consideration when calculating how much you can realistically invest.

3. Know your timelines

Now that we’ve identified your needs and resources, it’s time to work on your timeline. Different goals need different time horizons.

It’s not just the time it takes to build up your nest egg either. We need to factor in the number of years you’ll be living off that accumulated wealth too.

For retirement, you might be building up your nest egg for 20 or 30 years. And you might be withdrawing for 30 or even 40 years, depending on how early you retire and how long you live.

It’s important to seek the advice of an Authorised Financial Adviser who can help you map out a property investment plan and withdrawal schedule that ensures your money lasts as long as you need it to. Our wish is for you to enjoy a reliable income stream during retirement rather than an ever-depleting pot of cash.

4. Allocate assets according to your risk tolerance

We now decide on an asset allocation that makes sense according to your risk tolerance. Your risk tolerance depends on how long you have to invest, as well as how you feel about the situation.

One easy way to reduce investment risk is to diversify. Another is to invest in real assets (i.e. income-producing property) rather than paper assets to reduce the risk of a complete loss.

Generally speaking, the younger you are, the more risk you can take. That’s because you have more time to recover from a loss of value and can therefore take a more aggressive approach to investing.

For example, you might discover you won’t have enough funds to live comfortably in retirement. In this case you might start out at the active involvement, higher risk, higher return end of the spectrum to build wealth. You’ll then gradually shift the emphasis to less volatile, more passive investments as retirement approaches.

Short-term goals require a lower tolerance for risk. There’s not much room for error, so the money must be invested in secure assets with sufficient liquidity.

These are all things we consider as we build your property investment plan.

5. Review progress and tweak as needed

Your property investment plan needn’t be set in stone. There’s nothing wrong with tweaking the plan as your situation changes. But there’s a caveat…

It’s important to be analytical when making changes. Do not make changes based on what’s happening in the market. Intelligent investing requires you to keep your emotions in check and not respond to fluctuating market events.

Property investment plan meetings

You will need to schedule in two meetings with us as part of our property investment plan development process…

  1. Situation Analysis. We advise you beforehand of the information you will need to bring with you so that we can…
    • Confirm your timelines.
    • Assess your risk profile.
    • Explore and confirm your short-term and long-term goals.
    • Analyse & critique your existing property portfolio.
    • Assess current loan structures.
  2. Strategy & Plan. We study the material you supplied and information we gathered and develop a strategy and property investment plan tailored to your personal circumstances. We present, discuss and confirm the completed plan during our second meeting with you. We will also advise on ownership structures if required. Finally, we provide additional advice regarding your options for implementing the plan.

To book a property investment plan, here’s what to do…

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How much does a property investment plan cost?

On their website the Financial Markets Authority (FMA) state…

The amount you pay for investment advice will depend on how complex your needs are. To give you an idea, you could initially pay anything from $250 for some simple advice, up to $4,000 for a comprehensive financial plan. You may pay more or less than this depending on the adviser you use…


The fee for our property investment plan is $1,870 + GST

Get your own property investment plan & build wealth for the future…

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When to seek investment advice

Investment advice is valuable during times of change. For example, when market forces negatively impact your investment portfolio, or you receive an inheritance, sell a business, or you’re approaching retirement.

During these times, a financial adviser can help you make important decisions about your money and turn your thoughts into actions.

If you answer “no” to any of these questions, it’s likely you’ll benefit from talking to an adviser…

    • Do you have time to research all the investment options available to you?
    • Do you have the knowledge to understand if these options are suitable for your financial goals?
    • Are you comfortable taking responsibility for your decisions?

To seek advice on retirement planning through property investment, here’s what to do…

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Plan for a bountiful lifestyle in retirement!