Is Property A Good Investment for Retirement?

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Flexibility and lifestyle choices

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Owning an investment property that’s rented out can provide a regular stream of income — which can be especially useful once you stop working. Rental payments might help cover living costs, helping smooth the transition into retirement.

Flexibility and lifestyle choices

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Property values in many parts of Australia have risen strongly over time. For investors who’ve held property for several years — or who have upgraded or renovated — the value of the property may have grown substantially. When it’s time to retire, you could sell the property and unlock the accumulated equity. That money can be used to fund living expenses, reinvest into income-producing assets, downsize to a smaller home, or boost your super.

Rental income to support cash flow

Owning an investment property that’s rented out can provide a regular stream of income — which can be especially useful once you stop working. Rental payments might help cover living costs, helping smooth the transition into retirement.

Flexibility and lifestyle choices

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Capital growth and equity

Property values in many parts of Australia have risen strongly over time. For investors who’ve held property for several years — or who have upgraded or renovated — the value of the property may have grown substantially. When it’s time to retire, you could sell the property and unlock the accumulated equity. That money can be used to fund living expenses, reinvest into income-producing assets, downsize to a smaller home, or boost your super.

Rental income to support cash flow

Owning an investment property that’s rented out can provide a regular stream of income — which can be especially useful once you stop working. Rental payments might help cover living costs, helping smooth the transition into retirement.

Flexibility and lifestyle choices

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Investing in property can be a smart addition to your retirement plan — but like any investment, it comes with trade-offs.

What Property Investment Can Offer at Retirement

Capital growth and equity

Property values in many parts of Australia have risen strongly over time. For investors who’ve held property for several years — or who have upgraded or renovated — the value of the property may have grown substantially. When it’s time to retire, you could sell the property and unlock the accumulated equity. That money can be used to fund living expenses, reinvest into income-producing assets, downsize to a smaller home, or boost your super.

Rental income to support cash flow

Owning an investment property that’s rented out can provide a regular stream of income — which can be especially useful once you stop working. Rental payments might help cover living costs, helping smooth the transition into retirement.

Flexibility and lifestyle choices

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Planning for retirement can feel daunting — especially when you know that once you stop working, the steady income disappears. While relying solely on superannuation or a government pension may once have been considered enough, many Australians are now seeking additional income streams to support their retirement lifestyle.

Investing in property can be a smart addition to your retirement plan — but like any investment, it comes with trade-offs.

What Property Investment Can Offer at Retirement

Capital growth and equity

Property values in many parts of Australia have risen strongly over time. For investors who’ve held property for several years — or who have upgraded or renovated — the value of the property may have grown substantially. When it’s time to retire, you could sell the property and unlock the accumulated equity. That money can be used to fund living expenses, reinvest into income-producing assets, downsize to a smaller home, or boost your super.

Rental income to support cash flow

Owning an investment property that’s rented out can provide a regular stream of income — which can be especially useful once you stop working. Rental payments might help cover living costs, helping smooth the transition into retirement.

Flexibility and lifestyle choices

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.

Planning for retirement can feel daunting — especially when you know that once you stop working, the steady income disappears. While relying solely on superannuation or a government pension may once have been considered enough, many Australians are now seeking additional income streams to support their retirement lifestyle.

Investing in property can be a smart addition to your retirement plan — but like any investment, it comes with trade-offs.

What Property Investment Can Offer at Retirement

Capital growth and equity

Property values in many parts of Australia have risen strongly over time. For investors who’ve held property for several years — or who have upgraded or renovated — the value of the property may have grown substantially. When it’s time to retire, you could sell the property and unlock the accumulated equity. That money can be used to fund living expenses, reinvest into income-producing assets, downsize to a smaller home, or boost your super.

Rental income to support cash flow

Owning an investment property that’s rented out can provide a regular stream of income — which can be especially useful once you stop working. Rental payments might help cover living costs, helping smooth the transition into retirement.

Flexibility and lifestyle choices

Depending on your goals at retirement, property equity gives you options. You could sell and downsize, reinvest, or use the proceeds for travel, hobbies, or health care — whatever your retirement dreams involve.

Important Considerations and Risks

Costs of ownership and maintenance

A property isn’t a “set and forget” asset — it carries ongoing expenses like maintenance, insurance, council or body-corporate rates, and possibly property management fees. These costs can chip away at rental income or equity returns.

Illiquidity – it’s hard to access cash quickly

Unlike shares or bank savings, real estate can’t usually be sold quickly without potentially sacrificing value or dealing with high transaction costs. That can be a problem if you need sudden access to cash during retirement (for medical bills, emergencies, etc.).

Market fluctuations and uncertainty

Property values and rental yields aren’t guaranteed to rise every year. Economic downturns, regional changes, interest-rate shifts, or worse rental market conditions can reduce returns. Relying solely on property for retirement could be risky.

Impact on pension and government benefit

If you depend on a government-provided pension (or plan to), owning an investment property may influence how these benefits are calculated — especially the “assets test.” If the property is valued highly (after accounting for any mortgage), it could reduce pension eligibility or lower payments.

What’s Right for You? It Depends on Your Situation

Whether property is a good fit for your retirement depends heavily on your personal finances, lifestyle goals, and risk tolerance. Before committing to property investment, consider:

• • How much income do you need each year to live comfortably post-retirement?

• • Whether rental income (after costs) is reliable enough to cover your expenses.

• • Your ability to handle unexpected maintenance, repairs, or vacancies.

• • Flexibility: whether you might need cash on short notice for health care or other contingencies.

• • How property investment sits alongside other retirement assets — superannuation, cash savings, investments, etc.

Final Thoughts

Property can play a valuable role in a diversified retirement strategy. For many, it offers the dual benefits of long-term capital growth and rental income — and provides flexibility through built-up equity. However, it isn’t a guaranteed windfall, and relying too heavily on real estate alone can leave you exposed to market shifts, maintenance costs, and liquidity issues.

Source: www.fiducian.com.au

Lindale Insurances Pty Ltd ATF Lindale Insurances Trust ABN 27 027 421 832 is a Franchisee of Fiducian Financial Services Pty Ltd, Level 4, 1 York Street, Sydney NSW 2000. AFSL 231103 ABN 46 094 765 134.

The information (including taxation) provided on this website is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

Disclaimer: The views expressed in this publication are solely those of the author; they are not reflective or indicative of Fiducian. They cannot be reproduced in any form without the express written consent of the author.