Retirement planning with property


Planning for retirement with property is easy to do when done right.

Let me ask you… Have you ever been on vacation and noticed that there are basically two types of vacationers?

The first type is similar to what I was years ago:

The person who monitors where the money is spent and counts vacations from day one before returning to work.

Do you do this too?

I did and it was driving me crazy, just when I was starting to enjoy my vacation it was time to get back to work.

Now the other type of person is the one who goes on vacation without keeping track of what they spend or how long the vacation lasts, with the ability to change

plans on a whim (for example, deciding to go to another vacation spot on a whim).

Why can’t we all be like that?

Wouldn’t you agree that if we worked all our lives, we deserved to live that lifestyle? We deserve to enjoy our golden years doing the things we want to do and to be financially secure enough to live our lives to the fullest.

We can, but you have to configure it.

Please also remember

Real Estate Investing is NOT a Get Rich Program

Which means that we have to start putting everything in place now and not tomorrow, because we all know that we put things off until later and knowingly after a year or two, we blame ourselves for not not have taken the plunge when we thought about it.

I remember back in the early 80’s when I started as an apprentice auto mechanic, there were older guys retiring and everyone saying how lucky they were to be retiring.

Do you remember the big thing in the early years,

everyone got “The Gold Watch”

But you know what? Nobody even thought about what was really happening to these retired workers, their cash flow was going to be reduced because they were going to get the pension.

Most people work their whole lives, sometimes as young as 15 and up to 65 (a working life of 50 years).

Typically, when people reach retirement age, the house is paid for, they have raised and educated the children, and done everything in their power to support the family.

But curiously, after all that, if we look at the figures from the Australian Bureau of Statistics:

86.6% of Australians retiring at 65 will only live on an income stream of less than $16,000 a year!

It’s only $320 a week to run the household, pay all the bills, buy presents for the grandkids, buy clothes, etc. I know it’s far from enough to live a decent life – my mother (72) experiences it every day.

So how can we work our whole lives and only end up with such a small amount of money?

Easy, because we are only taught how to find a job, pay our taxes, buy a house, raise a family and that’s it.

No one ever said – “Wait, you better start working smart and planning your retirement and start leveraging yourself for the future!”

So how do you change all that?

How can we start working smart so that we can retire financially secure and free with continued income or, alternatively, become financially independent at an early age?

What I’m about to show you has been used by the wealthy and other people in the real estate business for many years. It’s really nothing new

Did you know that investors use their investment properties to pay for their children’s schooling using this method I’m about to share with you?

Just like my daughter Gyorgem, I made the investment properties pay for her private schooling.

First, I’ll tell you what it looks like: if you have a home loan with a line of credit (LOC), couldn’t you use the credit to buy cars, vacations, etc.? directly from the LOC?

But it’s YOUR house and you’d rather see it paid off as quickly as possible than increase the loan, right?

What if you had a real estate investment portfolio of around a million dollars? Let me tell you, in today’s values, it’s not hard to do at all, a million dollars in real estate investing, it’s really not that much, once you get into it your first investment, the second is not far away.

So if your portfolio is hypothetically growing at a rate of 7% per year, that means you have a capital increase of about $70,000 per year, right?

I’ll also tell you, as you probably know, property doesn’t go up at right angles, but if we look at it over years, it shows capital growth on average.

So why can’t we borrow this from the bank and use it for our lifestyle? And if we borrow from the bank, it’s not income, so do we pay taxes on it?

Nope! Because it’s TAX FREE! It’s a LOAN, not an income!

Are we now starting to work smarter, not harder?

That’s in theory, because we all know that property doesn’t increase

7% each year. It can increase by 15% one year and the next two

years, it may be flat, but on average, if we look at it long term, the property has proven itself time and time again.

Remember that with this method it also depends on how much you owe the bank (rental income plus expenses). But if you have long-term ownership, this is entirely possible and easily achievable.

In my personal appointments, I go over this and show you how all of this is possible even for someone with a small income, but remember that you will need to use equity. If you don’t have a house, you can use someone else’s house for a few years until the investment has grown in capital, then you can have the security property released.

My oldest client was 64 and self-employed when he bought his first investment property, so never say you’re too old or too late.

As I said before, the time we can never replace.

So many people waste time finding excuses to put their financial wealth aside or leave it for another day that sadly never comes.


Did you know that we spend more time writing a shopping

list or plan a two-week vacation than we do for our entire future?

Isn’t that a shame?

Think about it and make the decision to start working on your future right now. Figure out what you want and need so that when you retire you have something to help you out, because retirement planning with property will help you get there if you do it right.

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Wishing you all the success,

Dino F. Livanidis,


Source by Dino Livanidis

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