Case Study: Anti property investor

In this case study episode, Stuart delves into the impressive financial journey of a client who staunchly avoids property investment. Starting in 2016 with $760k in shares and $595k in debt, the client had a combined super of $324k and no home loan on a $2.5m residence. With an income of $440k and living expenses of $96k, his net investment assets stood at $490k. Fast forward to today, his shares have grown to $2.15m with a $725k loan and super has increased to $1.07m. Additionally, he acquired a $1.7m holiday house with a $1m debt. Despite receiving a $400k inheritance in 2016, his net investment assets have tripled to $3.2m.

Key insights from this journey include the benefits of strategic gearing, disciplined tracking of wealth and performance, and effective cash flow management. The client’s portfolio, focused on growth with a mix of direct stocks and ETFs, benefitted from timely investments in Macquarie and US markets (VTS). A lifestyle-driven decision to purchase a coastal property through a buyer’s agent in 2020 has also paid off, appreciating from $1.4m to $1.7m. Stuart highlights how these strategies and decisions have collectively contributed to a threefold increase in net assets.

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This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.