In this blog I’m going to be teaching you how to use my luxury retirement oracle so you can see exactly how you can retire within 10 years; guaranteed!

This allows you to use your own investment numbers and see exactly what it will take to reach your passive income goals.

As you’ll discover, if you let me buy 3 investment properties for you this year and if you let my team at The Insight Group manage your portfolio for the next 15 years… we’ll give you a 6-figure passive income for the rest of your life!

That’s equivalent to retiring with a 3-million-pound pension pot! You can build a property portfolio that gives you the same income without doing any of the work! It may seem unbelievable but when you follow a proven system its straightforward to achieve, it won’t be easy, but it will be straight forward.

In fact, my team reject 59 out of 60 discounted deals they look at to find the perfect deals for our clients which is why we look at over 100 million pounds worth of property every single month. It’s not easy but we put in the work, and we build you a world class portfolio with none of your own time needed!

This article reveals how I can build you a £70,000 per annum annual profit buy-to-let portfolio in the next 10 years with only 9 houses. You can achieve that with only buying 3 houses either using your savings or using equity in your family home. If you buy just 3 in this next 12 months or 3 in this next 6 months, over the next decade without putting another penny in it will grow to 9 houses and an income conservatively of £70,000 pounds per annum, which means you can retire guaranteed within a decade!

So, there is one simple reason why property beats every other investment class and that is leverage. This one principle can change your life forever, let me explain why…

Scenario 1:

Let’s imagine that you have £100,000 to invest and you put that in the stock market, or you put that into buying a house for cash (so you don’t get a mortgage). Over the next couple of years, the market goes up 10%, now your £100,000 property is now worth £110,000. This is the same if you bought stocks and shares, if you bought £100,000 of shares and the market went up 10% then your shares are now worth £110,000. You’ve made a 10% return.

Scenario 2:

Let’s imagine we took that £100,00 and we split it up into four equal deposits of £25,000 each and we went and bought 4 houses worth a £100,000 each and put £25,000 deposits down on all 4. So, what do we have now? We have 4 investment properties worth £400,000 with £300,000 of mortgages on them, all ready now and all working for us.

Now what’s the difference between scenario 1 and 2?

To be blunt, you are getting more rent. If these properties are making you £200 a month of profit, that’s 4 of these properties now making you £800 a month of profit. The 1 property on its own in Scenario 1 that you bought for cash if that was rented for £600 a month once you take your costs off, you would maybe be on just £400 a month so you’ll be on more rental profit from having 4 than having 1!

Secondly, if you’ve got a tenant that moves out and now not paying the rent and you’ve only got 1 property then you’re 100% empty; you’ve got a big problem! But if you had 4 properties and 1 moves out, guess what… the other 3 properties look after that 1 and you don’t have to dig into your pocket to fund or cover it. It’s all about safety in numbers, you’re far more protected by having the 4.

Thirdly, which is by far the most important reason scenario 2 is better is when the market goes up in value 10%, you have £400,000 worth of assets so you make £40,000 equity growth! Instead of having 1 property and only making £10,000 equity growth.

You can now go to the bank and say my properties have gone up £40,000, can I borrow 75% of the increase and the bank will say; yes as long as you put the rents up. If you have followed my previous learnings, you will know the system to increase rents 3 to 5% every single year and no one moves out for the sake of £20 – £30 a month extra. So, the bank lends you another £30,000 back into your pocket. Now you can either pay yourself a chunk of this back from the £100,000 you put in or you can use it to invest into a 5th property.

So, when the market went up 10%…

Scenario 1 had 1 property worth £100,000 so only gained £10,000.

Scenario 2, had 4 properties worth £400,00, gained £40,000 and then the bank lends them £30,000.

Scenario 2 ended up in a much better situation and is potentially ready to be able to invest into another property.

Overall leverage changes the game! Over time with either the stock market or the property market, there’s not a lot of difference over decades and how much they go up in value.

If someone is investing in the stock market they could say to you “It goes up the same as property!”, yes, but they don’t have the leverage (unless you know how to deal with options in the stock market – which takes years to master)

The next thing to cover is what I call good and bad debt. Most of us were always told that debt is bad, you always need to pay it off and saving is good. It is a good mantra however there is a challenge with that as that’s a savers mentality. You can choose to be a saver, but I would hope you would want to be an investor. An investor knows different, thinks different and knows there is good and bad debt.

So what’s the difference? A bad debt is something you must pay whether you use something or not. For example, if you go on holiday for 2 weeks and you have a mortgage on a residential property you still have to pay for it even though you’re not using the house!

A good debt must meet 2 criteria. The 1st criteria is that somebody else pays for it and not you. (In the property world that would be the tenant.) The 2nd criteria is it makes you profit on top.

There is good debt and there is bad debt. What you have to do is shift from being a savers mentality to an investor’s mentality. We don’t want the bad debts, but we need to get comfortable with the good debt.

 

So, how much money do you need to invest? For the average property you need £40,000 which covers everything. (Remember from previous learnings we are buying properties valued between £70,000 and £100.000 because that is the sweet spot. So, £40,000 this covers your deposit, solicitors’ costs, refurbishment costs, mortgage brokers fees, and tenant planning fees.

 

Everything we have discussed in this article was leading you up to this. I am providing you with my retirement property oracle. This is our own private technology, tried and tested and I am giving it you for FREE!

Click here to download the Property Retirement Oracle

You can put in your own numbers, and you can see the outcomes that you will end up achieving. At the top of the oracle, you can clearly see the boxes where you can change the numbers to your personal ones but don’t change the numbers within the detail.

Put your numbers in, see the amazing results that you get and remember we can do this all for you! If you’re fearful that you don’t know enough or you’re too busy, no problem we have experts who bought over 1300 of these for clients successfully.

You need to start with knowing exactly what resources you have, what money you have available, so you know exactly what to play with. If you’re unsure on this, then at The Insight Group we can help you!

You can book a portfolio review to see if my team can “find money you don’t know you have” in your family home or other investment properties. The investment for a portfolio review is £295. It’s worth every penny at that price because my team can use “found money” to build you a property portfolio that gives you a luxury retirement income and a legacy that protects your family for generations.

You can get a portfolio review for FREE instead of paying £295 because you’ve read this article.

Click here to book your FREE portfolio review.

 

 

Author: Aran Curry

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