Why Invest In Property?

Why property, some people ask when looking for an investment. Well, as far as I am concerned, property investment is, and always has been, the most powerful type of investment for building wealth. It has been said that over 90% of the world's millionaires got there by owning property. The reason property is such a powerful way to build wealth is due to one key concept: leverage.

Once I realised this, I didn't look back. Now if you are an experienced investor this may be obvious, but for the benefit of those who haven't seen the light, let me explain ... Leverage is your ability to magnify your returns by using other peoples' money (in this case, it's usually the bank's money).

To give a clear example, say you have £20,000 to invest. This can be a lump sum or by releasing equity in your main residency.

So what is the best way of investing this money?

Option 1 ? Stick it in your local bank by some considered the safest option, "at least you can't lose it, and you get some guaranteed increase in value" usually goes the argument.

Money in the Bank - assumed return: 4%
Now £20,000
1 Year £20,800
5 Years £24,333
10 Years £29,605

As you can see, after 10 years, you've made virtually no progress at all, especially when you consider the effects of tax and inflation.

Option 2 ? Stocks and Shares Now over the last 10 years, although admittedly not in last 4 years, the stock market has been very popular. However I cannot accept it is a better bet. When I read that the stock market is a better bet over the next 2 years as will go up by 15% a year, as opposed to the property market that may go up by 5% a year this does not take leverage into account and so paints a very distorted picture!!

And I will show you why. It's hard to say what sort of return you might get on the stockmarket, but let's say you get 12% a year for the next 10 years ? very unlikely, but let's just go with this. So if you could beat the odds and get a 12% return every year ......

Money in the Stockmarket - assumed return:12%
Now £20,000
1 Year £22,400
5 Years £35,247
10 Years £62,117

Now that's a big increase on sticking the money in the bank, but clearly is not guaranteed. But can you do better?? I think you know what I'm going to say?

Option 3 Property

One of the great things about property is it enables you to leverage the £20,000 to purchase a £100,000 investment property (in other words, borrow the remaining £80,000 from the bank). Now say the property market slows down to an average of only 6% return for the next 10 years. This would probably be a fair estimate in the UK, although there are plenty of markets which are growing more rapidly, lets concentrate on UK for this example.

Money in Property - assumed return: 6%
Now £20,000 (£100,000 property value ? 80,000 mortgage)
1 Year £26,000 (£106,000 property value ? 80,000 mortgage)
5 Years £53,823 (£133,823 property value ? 80,000 mortgage)
10 Years £99,085 (£179,085 property value ? 80,000 mortgage)

Make sense? So you make 6% increase on the full value of the property, not just the £20,000 which you initially had. This is the power of leverage. In effect you have increased your initial investment 5 fold in 10 years! So even if the stock market increases by twice as much per annum as the property market over the next 10 years, you can make far more money from property.

Now for simplification, I have not included lawyers fees, agents fees or stamp duty. Admittedly buying a property has more additional costs than buying shares, but would not make a significant difference on your profits ? around 4% in the UK, higher overseas.

One thing to point out is that in the short term you have greatly increased your potential loss ie if the property went down by 10% in value, you would lose more of your initial investment, because the property value would go down to £90,000, you still owe the bank £80,000, so you now have £10,000. In comparison if the stock market dropped by 10%, your investment would be worth £18,000, as only lose 10% of £20,000.

However over a length of time, using leverage to good effect and using all the other skills you need when buying property, property is by far the best investment, for the majority of individuals.

The figures I have used have been very conservative, many individuals are making far more than this on property, whereas anyone making the same returns on the stock market, will generally be benefiting from some sort of insider dealing or be very high up in the company, I would imagine!

Alan Forsyth is a full time property investor and developer with 10 years experience in UK and overseas. He is managing director of http://www.property-investment-tips.com which offers free independent advice and tips on property investment, courses, countries, strategies, mortgages and much more - with a free newsletter every 3 weeks giving latest tips and offers to over 500 investors. Sign up today at the site for free independent advice!

In The News:

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Can sops lift real estate investments?  Forbes IndiaEstimates peg yields from residential real estate at between 2 and 5 percent and commercial between 8 and 10 percent. Image: Frederic Soltan / Corbis via ...
Share market update: Realty shares fall; Indiabulls Real Estate slumps 3%  Economic TimesThe Nifty Realty index was trading 1.46 per cent down at 263.05 around 10:48 am.
Explained: Why GST still vexes Indias real estate developers and buyers  Business StandardSudipta Bhattacharjee, partner (tax controversy management & contract documentation), Advaita Legal, explains why the tax still vexes the real estate sector: ...
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Amaravati: Farmers thank Naidu for real estate boom  Deccan HeraldMotkuri Brahmayya, a septuagenarian farmer from Malkapuram village, is a happy old man. Malkapuram is one of the 29 villages that form the core of the capital ...
KKR raising $1.5 bn for first Asia real estate fund  VCCircleGlobal investment powerhouse KKR & Co Inc is raising its first Asia-focused real estate fund, targeting $1.5 billion as it.
KKR said to raise first Asia real estate fund, targeting $1.5 billion  LivemintHong Kong: Global investment powerhouse KKR & Co Inc is raising its first Asia-focused real estate fund, targeting $1.5 billion as it looks to deepen its real ...
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A Recession May Be Coming, but Not for Commercial Real Estate Investors  Barron'sFinancial headlines have been full of worries about a possible recession and a downturn in commercial real estate markets. Recessions often precipitate a ...
Early days! Not the ‘REIT’ stuff for Indian investors as yet  Economic TimesThis week sees the introduction of an investment asset class that is new to India –– the Real Estate Investment Trust (REIT). Embassy, a Bengaluru-based real ...
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Share market update: Realty shares mixed; Indiabulls Real Estate jumps 3%  Economic TimesThe Nifty Realty index was trading 0.56 per cent up at 260.15 around 11:05 am.
GST council meeting announces implementation of lower GST rates for real estate sector  Economic TimesAfter the GST council meeting, Revenue Secretary Ajay Bhushan Pandey announced implementation of lower GST rates for the real estate sector.
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New rules in Mexico may limit cash payments for real estate  CNBCMexico is developing rules that would cap the amount of cash that can used to buy real estate, Finance Minister Carlos Urzua said on Friday, part of a push to ...
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How the GST rate reduction will impact property prices  LivemintIn its 33rd meeting held on 24 February 2019, the Goods and *Service* Tax (GST) Council recommended rationalisation of GST rates on real estate. The cut is in ...
Greek American Launches Net Lease Corporate Real Estate Strategy on NYSE  Hellenic News of AmericaNEW YORK, NY—(March 22, 2019)—Exchange Traded Concepts, LLC, (“ETC”) a leader in providing white-label Exchange Traded Fund (ETF) solutions, ...
India’s ultra-rich prefer equity, bonds to real estate  Economic TimesMumbai: India's wealthy individuals have a preference for equity and bonds, as they place their bets on prospects of better economic growth in Asia's ...
Real estate: The catch in lower GST rates  Business TodayThere are two reasons home buyers aren't willing to buy under-construction property any longer. Previous experience with delayed projects and frauds resulted ...
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D-Street Buzz: Realty stocks jump led by Indiabulls Real Estate; Sun Pharma up 2%  Moneycontrol.comThe breadth of the market favoured the declines with 761 stocks advancing and 961 declining while 356 remained unchanged. On the BSE, 1160 stocks ...
Housing market is tipping in favor of buyers, real-estate agents say  MarketWatchReal-estate agents around the country weigh in on what they're seeing in their areas, and some broad national trends are emerging.
Real estate firms move SC against 'financial creditor' tag for homebuyers  Business StandardReal estate companies such as Wave Group's Wave Megacity Centre, among others, are said to have approached the Supreme Court challenging the ...
Real estate players will have to take loss of credit of around 5-7%, say experts  CNBCTV18The GST Law and Fitment Committee has proposed that the input tax credit (ITC) on input goods & input services lying unused as of March 31, 2019 shall be ...
Calif. Real Estate Pros Hit Hard in Wake of College Admission Scandal  Commercial ObserverMany of the California real estate pros implicated in the college admission scandal are already facing considerable fallout.
Century real estate in talks to raise Rs 250 crore for home project  Economic TimesBengaluru: Century Real Estate Holdings is in talks with Piramal Ivanhoe Residential Equity Fund to raise funds for an upcoming residential project in a deal ...
A Major Caribbean Real Estate Conference  Caribbean JournalA first-of-its kind Caribbean real estate conference is coming to Boca Raton, Fla called the Caribbean Real Estate & Investment Summit.
Can RERA authority grant an extension to a real estate project?  Moneycontrol.comWhat are the circumstances under which a homebuyer can claim compensation and/or withdraw his or her investment from a project?
Realty shares gain in range-bound market; Prestige Estates surges 18%  Business StandardShares of real estate companies rallied up to 18 per cent on the National Stock Exchange (NSE) in the intra-day trade on Monday, after global investment firm ...
Why Sandip Sabharwal is bullish on real estate cos  Economic TimesSales have stabilised, prices in many of the pockets have stopped falling and many of the companies have changed their business model are the factors that are ...
Real estate developer gifts flat to Rajasthan's Pulwama martyr  The Tribune IndiaTheTribune: JAIPUR: A real estate developer has gifted a flat to the family of a Central Reserve Police Force (CRPF) trooper who died in a suicide attack in ...
A Growing Problem in Real Estate: Too Many Too Big Houses  The Wall Street JournalLarge, high-end homes across the Sunbelt are sitting on the market, enduring deep price cuts to sell. That is a far different picture than 15 years ago, when ...
Real-estate brokerage HFF sells itself to Jones Lang LaSalle for $2 billion  Business Insider IndiaGlassdoorReal-estate brokerage HFF announced it is selling itself to Jones Lang LaSalle.JLL will acquire all the outstanding shares of HFF with a combination.
How NoBroker Uses AI To Deliver A Broker-Free Real Estate Experience  Analytics India MagazineThe real estate market has long since been hailed as being a natural fit for the application of artificial intelligence and machine learning models. This is due to its ...
JMP Securities Downgrades KKR Real Estate Financial Trust (KREF) to Market Perform  StreetInsider.comNews and research before you hear about it on CNBC and others. Claim your 2-week free trial to StreetInsider Premium here.
Share market update: Realty shares advance; Indiabulls Real Estate jumps 4%  Economic TimesThe Nifty Realty index was trading 0.98 per cent up at 232.60 around 10:33 am.
Tax on your gold and real estate investments  LivemintIf you choose to reduce exposure to gold and real estate, do pay attention to the tax rules that will apply.Here is a look at the taxes that apply to short-term and ...
A New ETF For An Untapped Real Estate Market (NYSE:NETL)  BenzingaDozens of exchange traded funds are dedicated to real estate investment trusts, including some new kids on the block. That doesn't mean all corners of ...
33rd GST Council Meeting – Real Estate Sector Update - Tax - India  Mondaq News AlertsIn its 33rd meeting held on 24 February 2019, the GST Council has recommended reduction in GST rates for under-construction residential properties. India Tax ...
New NBFC loans for real estate developers may be Rs 1.7 trillion  Business StandardNon-banking financial companies (NBFCs) with large, but relatively low-vintage, loans to real estate developers are the most vulnerable to rising risks for asset ...
Tech IPOs could impact San Francisco real estate, here's why  CNBCCNBC's Josh Lipton reports on how San Francisco housing could see an impact from the rise of tech IPOs as they brings in new employees.
Real-estate man cheats students with fake lease papers  Deccan HeraldThe Marathahalli police on Tuesday arrested a 47-year-old real-estate agent who cheated nearly eight people with fake lease documents of a property.
UP Real Estate Regulatory Authority issues deregistration notices to 7 builders over delay in 14 projects  Business TodayThe Uttar Pradesh Real Estate Regulatory Authority Friday issued deregistration notices to seven builders for failing to meet their commitments to buyers ...
Removal of input tax credit may bring back black money to real estate  Business TodayThe removal of input tax credit (ITC) on housing, ahead of the general elections, will bring back black money in the sector well known for deploying tainted ...
[email protected] | GST relief for real estate  Moneycontrol.comThe relief is likely to benefit homebuyers, real estate developers as well as housing finance companies.
In AP's capital megacity, jasmine farm labourers fear eviction in favour of real estate  The News MinuteWith the development of the state capital not falling under the Land Acquisition Act, women labourers fighting for survival are unclear on how, and if, they will be ...
NAREDCO seeks more liquidity for real estate sector; lower GST on cement  Moneycontrol.comNAREDCO President Niranjan Hiranandani welcomed the GST Council's decision to cut tax rate on sale of under-construction flats, but sought reduction in taxes ...
Amazon real estate exec says Bellevue plan not affected by New York exit  The Seattle TimesSome real estate sources have seen Bellevue as a possible spillover location for the erstwhile New York HQ2. But an Amazon executive said the growth ...
Colony Capital: 8%-Plus Yield, Income Opportunity From A Real Estate Empire  Seeking AlphaWith a large merger, Colony Capital Inc. became one of the largest real estate owners in the world. Integrating their new assets has proved painful to common ...
5 most affordable areas to buy property in Dubai  Khaleej TimesHouse prices in Dubai continue to be more affordable with the ongoing correction in the sector, leading to a more than 10 per cent annual decline across a ...
Understanding how your property taxes are calculated  Washington PostQ: I live in a state where property taxes are calculated differently by each town. My question is why is the calculation a three-step approach rather than a two-step ...
ASK Property invests ₹326 cr in housing projects of TVS group, QVC Realty, Tridhaatu  BusinessLineASK group's private equity arm will invest ₹326 crore in various housing projects being developed by QVC Realty, Tridhaatu and TVS Emerald. These projects ...
Real estate developer blames state for refund delay  Maldives IndependentReal estate developer SeaLife Global has blamed the state for delays in refunding US$12 million owed to 258 people who paid to purchase apartments.
Dubai's real estate developers cut jobs in past weeks  LivemintDubai: Nakheel PJSC and Majid Al Futtaim Properties LLC, two of Dubai's biggest real estate companies, cut jobs in the past weeks, people familiar with the ...
Overall negative outlook for real estate sector but stable for tier-1 companies: Report  Moneycontrol.comThe market share of the top 11 listed players, India Ratings and Research has analysed, increased to 14 percent in 2018 from 10 percent in 2015.
Modispaces Analyses the Current Real Estate Trends in India  Business StandardRead more about Modispaces Analyses the Current Real Estate Trends in India on Business Standard. / -- The real estate industry in India is going through the ...

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