Assetz Property Investment 'Portfolio Planning Service'
How many times have you met a client relying solely on property to provide their retirement income?
How many clients do you know, that have bought property on a whim and hoped for the best?
Considering that property, for most people, is their number one asset, do you not think that professional property investment should be approached in the same way as a carefully selected investment portfolio?
We believe that the same rigorous investment approach to traditional investments should be applied to property, and that is why for several years Assetz have been providing investors and their advisers access to a bespoke property portfolio planning service.
We meet very few clients who have existing property investments and actually know what their property portfolio is achieving for them. Questions such as ‘what retirement income can I reasonably expect from my property investments and how can I maximise this’, are all questions that the Assetz Portfolio Planning Service is designed to answer, thus helping you to help your client achieve greater property investment clarity.
Without being able to answer these questions an investor is acting in the dark and cannot know if the properties they already own are sufficient to produce the results they are aiming for, or indeed even if they are the right properties.
The solution is our tried and tested portfolio planning system that we have previously run on a one-to-one basis, but are now extending to independent financial advisers to offer out to their clients.
We utilise our unique, patented, software, designed in-house, to store your client’s property investment plan, so that you and your client can monitor its progress over the years.
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We consider two strategies according to your client’s property investment objectives;
Build a Retirement Income Portfolio - Design a diversified property portfolio that will give your clients a debt-free high-income in retirement, within typically 10 to 15 years from a low initial investment level – possibly faster if they have existing properties.
Typically, for a new investor with no existing properties, each £30,000 invested today could produce around £10,000 of income per year for life in 10 to 15 years on relatively low assumptions.
Build a Capital Growth Portfolio - Design a property portfolio to grow your client’s capital from a relatively low starting point and with an aggressive investment strategy. We can help your client build a large portfolio of property over time with as little starting capital as £20,000, provided that they have a healthy income as well.
Our system has been used to build a number of very successful long-term plans for clients and is the same system used by ourselves as active investors.
Firstly a portfolio is created from any existing property your client owns, plus any that they are intending to buy. These properties are sorted into Generators (high-income cash positive properties) and Accelerators (low deposit capital growth properties). The system will take all of the data on these properties including: mortgage, LTV, value and rents, plus take client assumptions of price and rent inflation to project the financial results of their portfolio for years to come in both tabular data and charts.
There is much to learn for experienced or new property investors when planning a structured portfolio using our unique system and software ;
* How to achieve a debt free high income property portfolio that would permit you to retire or give up your day job in 10 to 15 years time - even if house price growth is low over any period
* How to re-balance your existing buy-to-let portfolio with more high-income / high-yield properties - and where to find them
* How to generate a large cash lump sum in years to come - even if house price growth is low over any period
* How to ensure your retirement portfolio is low-hassle and low-risk
The system also produces charts showing the future mortgage balances, equity (profits) and rental income from the portfolio as well as predicting the date at which you could retire and the total investment required today to complete your property portfolio versus the likely rental income from the portfolio that you should receive in the future. If you raised equity from remortgaging your home or other property then the repayment of this debt can also be factored into the system.
Our Process
We commence a portfolio review with a fact-find looking at any existing investments and the long-term aims of the client in terms of income or capital lump sum required and by when. We also allow for existing pension investments, age and attitude to risk within the plan and utilise the client’s own assumptions such as: house price growth, rental growth, interest rates etc. to project the outcome from a given property portfolio utilising our unique online software.
At the end of our bespoke property portfolio planning meeting, you and your client can expect to receive the following:- Their property portfolio modelled in our online software with a written workable financial plan
- Analysis of future financial performance of all of their existing properties under varying assumptions using our unique online software
- Understand how each property they own currently contributes to your financial plan and whether it fits or not
- Find out when they can retire on a mortgage free property portfolio OR when they could generate a substantial cash lump sum
- Learn how they can actually retire on their target income even by setting house price growth assumptions to zero
- Find out how to pay off their home mortgage when they retire as part of their plan
- Learn how to recognize properties as the two key types - Generators and Accelerators and what these two types of property do for your client
- Have full access to the online software at no cost after the event
