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Make 2017 your year to follow investment dream

Marty McDonald - Tuesday, December 20, 2016
Many people wait for the ‘perfect’ time in their personal life and the economic environment to invest. This can see them waiting too long meaning they’ll miss their opportunity or when they do invest, it’s too late to have a successful strategy.

Listening to Doomsayers People often make the mistake of listening to doomsayers. For as long as people have been investing in property, there have been people saying the market is about to crash. People worry they’ll invest and the market or economy will see a sudden unforeseen downturn. Shut out the noise and do your own research. 

Individual property can’t be generalised using means and median prices. Specific areas are in their own cycle at any given time. Demographics change. Properties can be bought cheap or over the odds. 

Rather than listening to the media, you should be doing research on a local level. If an area has gone up a lot in value, you should be researching why that’s the case rather than assuming it’s about to crash. Is there something going on in that particular area that has changed? Is there a genuine lack of supply?

House prices can fall. Many think they will. I’m not so sure but I know over the long run well positioned property will create wealth. 

Fear of making a mistake / Analysis paralysis
Many first-time investors worry they’ll make mistakes. Things like buying the wrong property in the wrong area. This can be overcome by creating a checklist of characteristics you want from a property. Starting with location, property type, bedrooms, parking, price range, rental yield, future upside potential etc etc and then when a property fits the bill you buy it!

Fear of being in debt
It’s natural to fear committing to large debts. However investment debt should not be considered a dirty word. Debt used to invest in income producing assets such as property offers the chance to leverage a much greater return on your invested capital than non-geared investments. Of course it is true that too much debt at too high an LVR can be a killer so the trick is to use debt wisely so that you are creating wealth but not losing sleep worrying about your level of debt.

The psychology of investing
In a nutshell, there will always be doubts and fear that can prevent us from getting started. Rather than allowing these fears to stop you, use the fear of not moving forward to motivate you into action. The earlier you get started, the better.

About the Author: Marty McDonald is principal of mortgage broker “Mortgage Experts”. Marty specialises in assisting active property investors with loan structuring advice and implementation as well as helping credit worthy borrowers with slightly outside the box income and employment situations. Find Marty on  and LinkedIn.

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