P16 Investing
P16 INVESTING provides property investment advice and facilitates the end-to-end property buying process.
Whether you are looking to invest as an individual, SMSF, company or trust, whether you live locally, interstate or overseas, we can help!
Who can benefit?
- Busy professionals who would like an experienced and knowledgeable team to help them buy a quality investment and build wealth.
- Individuals who are not confident enough to invest on their own.
- Property investors looking for the ideal property to match their SMSF investment strategy.
- Overseas and interstate buyers looking to invest without any hassle.
How can you benefit?
- Buy in high returning suburbs.
- Buy properties that fit your plan or a SMSF strategy
- Add properties quicker to your portfolio
- Never pay too much for a property and save thousands.
- Minimise tax and maximise cash flow year after year.
- Avoid costly mistakes and hidden traps.
- Save time, frustration and hassle while having an expert on your side.
- Minimise systematic and unsystematic risks.
- Achieve tax effective intergenerational wealth transfer.
How does it work?
It all starts with an initial telephone conversation to establish if we can assist you with what you are looking for. We work with you no matter which city or town you live in and no matter which city you prefer to buy in.
Once you establish that P16 Investing is the right service for you, we follow a proven 5 Step process.
STEP 1: ADVICE
We conduct a face-to-face meeting where possible and do an initial fact find about you. P16 has a wholistic approach to wealth building. We then devise a property wealth action plan by weighing up your investment goals, preferences and financial situation while guiding you to set up the right mortgage, tax and ownership structure and the investment strategy.
For SMSF investors we work with your financial planner/advisor and help you to ensure the property purchase is supported by your current SMSF investment strategy.
Our team is supported by a licensed financial planner, a mortgage broker and a tax advisor. You have a direct access to these professionals.
The strategies help you to add the next property to your portfolio, convert non tax deductable loan to a deductable loan, pay off your home loan faster and build wealth quicker while also minimizing risks.
The strategies will serve you well throughout your portfolio building journey.
STEP 2: RESEARCH
By undertaking a robust fundamental and technical analysis of real time data, we offer you a selection of at least 4 high returning suburbs, that matches your investment strategy. You then decide your preference from the list.
While quantitative analysis is our prime driver in selecting a suburb, we also conduct a qualitative analysis before making a final decision. Qualitative analysis involves researching changes happening to the suburbs, eg demographics, infrastructure etc.
STEP 3: SOURCE
Sourcing involves search and negotiation. We search from both ‘on and pre’ market properties, while our connection with a number of industry players is used to your advantage.
We physically inspect our recommended properties and complete a valuation analysis which helps us to secure a property at a discount to the current intrinsic market value. Finally, we use our experience to negotiate a price and terms that are favourable to you to secure the property.
STEP 4: SUPPORT
We link you with trusted service providers to get necessary due diligence completed. Guidance is provided to setup risk minimisation strategies, while also helping you to obtain a depreciation schedule, tax variation etc. We also help you in the selection of a Property Manager.
We provide a complimentary annual portfolio review where we look at your capital growth position and rent on your entire portfolio to ensure you are optimising your cashflow and tax while utilising your equity effectively to build wealth further.
STEP 5: REPEAT
This is an important step in our process to build long term wealth for you. Once your situation permits to invest again through equity gained or cash holdings, we would be ready to help you locate and purchase your next property.
This process is repeated multiple times to build a long- term property portfolio to achieve your financial and retirement goals.
FAQ
Your advisor has a financial planning, tax, banking and investment analysis experience having worked in one or more of these fields for at least a decade. He/she is a qualified and trained financial planner, tax accountant, banker and/or an investment analyst.
These qualifications compliment his/her real estate qualifications and experience in building his/her own wealth and thousands of others during multiple property cycles.
P16 can save and make you tens of thousands of dollars in improved returns every year and build a portfolio faster.
Our process combines tax, mortgage, estate planning, financial planning and research to help you buy properties that build wealth faster. We do much more than a regular buyer’s agent; we specialise in wealth creation.
We provide you with a good foundation to build wealth on. Setting up the right strategies for tax, mortgage and investment goes a long way in achieving your wealth goals. We also help you put risk minimisation strategies in place.
Our nationally renowned suburb selection research process is robust that involves both fundamental and technical analysis. A number of professionals across Australia rely on our research to make investment decision for themselves and their clients.
In short, most buyer’s agent are order takers. It’s rare to find a team that combines tax, mortgage, estate planning, financial planning and research as part of property buying process.
Our team is mature, highly qualified and experienced in:
1 Advising thousands of people on investment strategies over the past 30 years.
2 Helped our clients buy 500+ properties across Australia in the past 5 years.
3 Building their own personal wealth over the past 30 years.
4 Buying properties across all major cities in Australia.
5 Wealth management, financial planning, mortgage broking and tax planning.
Our clients have achieved on an average 7.98% additional returns than the average of market returns in Perth city (based on CoreLogic data) over the past year, as of 30 June 2023.
Backend testing results show that our suburb selections over the past 20 years and 10 years respectively have an average outperformance returned of 3.82% and 6.13% as compared to benchmark national average. (Based on CoreLogic data as off 30 June 2023)
These returns contribute to hundreds of thousands of excess returns over 10 and 20 years.
When you add the benefits achieved by helping our clients choose right strategies, the overall results we are able to achieve are truly spectacular. In the last year alone, we have helped over 200 families build wealth.
A word of caution that past performance is not an indicator of the future performance.
- We use a structured financial planning process of wealth creation.
- We buy based on comprehensive research.
- We inspect all properties before recommending
- We keep you informed throughout the buying process
- We follow ethical business practices.
- We get results every time.
Our clients have achieved on an average 7.98% additional returns than the average of market returns in Perth city (based on CoreLogic data) over the past year, as of 30 June 2023.
Backend testing results show that our suburb selections over the past 20 years and 10 years respectively have an average outperformance returned of 3.82% and 6.13% as compared to benchmark national average. (Based on CoreLogic data as off 30 June 2023)
These returns contribute to hundreds of thousands of excess returns over 10 and 20 years.
When you add the benefits achieved by helping our clients choose right strategies, the overall results we are able to achieve are truly spectacular. In the last year alone, we have helped over 200 families build wealth.
A word of caution that past performance is not an indicator of the future performance.
Investment, tax, ownership and lending strategies form foundation of wealth creation. Most Property adviser or Buyer’s Agent only looks at investment strategy because they or their team is not equipped with the knowledge and skills in lending, tax, ownership and financial planning.
Your total wealth as an investor over a period of time depends on
- Yearly income and growth of your property (or, properties)
- Ongoing and future tax paid on the income and growth of your property (or, properties),
- Yearly interest and other holding costs of your property (or, properties)
- The ownership and finance structure that supports an addition of the next property to your portfolio, consolidation of your portfolio and intergeneration transfer.
While strategizing we take into consideration your personal situation while taking the holistic approach to investing to help you select the best course of action in your individual circumstances.
Not having an appropriate tax strategy may cost you more in stamp duty, income tax, capital gains tax and land tax.
Not having an appropriate mortgage strategy may cost you more in interest and stop you buying the next investment property quicker.
Not having an appropriate investment strategy may lead to investing in inferior returning properties.
We complete a fundamental analysis using 15 economic data trends (such as interest rates, unemployment rate, consumer confidence etc) to evaluate if a market is “cheap” to invest compared to others. In short, we look for undervalued suburbs/markets.
Concurrently, a technical analysis is completed using 15 on the ground property market real-time data sets (such as property search interest, days in the market, average discounting etc). This helps us to gaze into the current market supply and demand that would drive an immediate growth in a suburb (or pocket). In short, we look for suburbs that are on the cusp of a growth spurt.
While combining the fundamental and technical analysis we regularly identify high returning suburbs (or pockets) across Australia that would continue to provide you with above average growth now and throughout your investment journey.
Our scientific modellings are based on statistical methods of ratios, correlation, regression, trend line and rolling averages.
Once we have identified the suburbs or areas for you to invest in, we look for an ideal property match. Through our network of real estate agents and collaboration with advertising platforms, we are often able to secure a property before it is listed on the market, eliminating the competition for you.
In finding a match to your strategy, we give particular attention to cashflow, holding cost, tax benefits and manufactured growth potential.
A SMSF provides a number of incentives including gearing and max 15% tax rate in the ‘accumulation phase’ and 0% tax rate in the “pension phase”. Hence a property within a SMSF can accelerates wealth and can be beneficial for many individuals.
Before you buy a property with your SMSF, you need to consider the following:
- All SMSF has an investment strategy and it’s important that you choose a property that matches the SMSF strategy. There are heavy penalties for breaching the SMSF investment strategy.
- The choice of a property may also affect your ability to take advantage of SMSF benefits. A property which could be a good investment in your name may not be good within SMSF.
- Not all improvements are allowed to the property while it’s owned by SMSF.
The trustee can be fined and penalised if the SMSF breaches investment strategy or fails to pay required pension at the draw down phase, or makes a disallowed improvements to the property.
It’s important you take advise from a property advisor such as P16 before you buy a property within a SMSF. We work with your financial planner/advisor.
The highest tax rate in Australia is approximately 50%. While each tax structure provides its own benefits, certain type of properties is more suited to one structure than the other. We help you make the right choice.
Different structures have different lending criteria and provides different borrowing capacity challenges which can restrict the choice of type of property.
We work with a licenced financial planner who can provide you advise on the matter.
While our head office is in Perth, we help our clients to invest across all major cities in Australia. Our research covers suburbs across all major cities.
We have representatives in all major cities on the ground for market appraisals, inspections etc.
All investments carry risk. We do not provide any guarantees on returns as markets can change. We also do not provide any guarantees on the quality of properties we purchase.
We are investment advisors specialising in property. We carry appropriate licence and professional indemnity insurance to carry out our work.
Before you buy a property with your SMSF, you need to consider the following:
- All SMSF has an investment strategy and it’s important that you choose a property that matches the SMSF strategy. There are heavy penalties for breaching the SMSF investment strategy.
- The choice of a property may also affect your ability to take advantage of SMSF benefits. A property which could be a good investment in your name may not be good within SMSF.
- Not all improvements are allowed to the property while it’s owned by SMSF.
The trustee can be fined and penalised if the SMSF breaches investment strategy or fails to pay required pension at the draw down phase, or makes a disallowed improvements to the property.
It’s important you take advise from a property advisor such as P16 before you buy a property within a SMSF.
Yes, we are qualified property investment advisors.
If you have a specific matter to discuss we can help. Many of our clients ask us for advice on matters they are not confident on.
For example, strategy selection matters, refinancing matters, SMSF matters, fine tuning/reviewing your portfolio, removing a property from your portfolio, etc. We may work with a licensed financial planner, tax agent and a mortgage broker.
Hourly rates apply.
Our fee starts from $10,000 plus GST.
Our fees are tax deductible. (conditions apply). So, the after-tax cost could be as little as $6,000.
Monthly payment plans are also available and with just $2000 upfront payment, there is no reason now not to get professional help while buying your next property.
The fee can vary from situation to situation.