Amy Lunardi
speaker
1,235 appearances
4 recordings
1 series
first heard May 2020
last heard Dec 2022
Amy Lunardi’s voice in public audio — every appearance, attributed to the second.
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Appearances
Yeah, I think that really sitting down at the start and understanding how will this property impact me.
On that, generally, a general rule of thumb is the younger you are and the more time you have for that property to grow in value, assuming you can afford it, it is better to have some more aggressive capital growth properties in your portfolio at the start because they have more time to grow in value and then later on potentially considering adding some more yielding properties in there too.
It is and I think that it
it really comes down to your investment strategy and how far you feel comfortable in planning ahead because the younger you are the more uncertainty you have in your life I know if I look back on my life five years ago it's changed so dramatically that since then I couldn't have planned for that so the older you are and I'm not talking about you know being like in your retirement
But generally the older you are, the more certainty you have around your cash flows and therefore you can make longer-term plans if that makes sense.
Yeah, absolutely.
So basically when we purchase a property, we buy it for a return and you can get your return through two ways.
The first way is through that asset growing in value, which is capital growth.
So you buy it for $500,000 now and you sell it for $700,000 in the future.
So that is our capital growth portion.
And capital growth is kind of controlled by a few different
factors.
And from the top level up, and this is one that is outside of your control, it's the broad market.
So it's the cycle that we're going through.
It's the economy.
It's things like interest rates, the impact that Corona is having on the market right now, the impact a couple of years ago that APRA had when they tightened regulations.
All of those things are outside our control, but they do have a strong influence on value.
And then if we work our way downwards, then our capital growth might be defined by the state that we purchase in.
From there, it's the suburb and then the street and then the dwelling itself.
So we do have control over those factors.
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