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2. Why do we need to Invest? Age Pension - $22,776 for singles P.A. or $33,982 for a couple. (human services.gov.au: September 2015) How much is needed for a comfortable lifestyle? Industry experts suggest $42,861 for singles p.a. or $58,784 p.a. for a couple in today's dollars. (moneysmart.gov.au) Even at these figures you would have to be careful with your spending. 2

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4. Super Age 35 Wage $75,000p.a. Super already saved $50,000 Compulsory 9% contribution Poor market conditions = $213,051 = $13,186 p.a. Average market conditions = $387,507 = $23,983 p.a. Good market conditions = $536,345 = $33,195 p.a. 4

5. Age 45 Wage $75,000p.a. Super already saved $120,000 Compulsory 9% contribution Poor market conditions = $212,843 = $13,173 p.a. Average market conditions=$334,543= 20,705p.a. Good market conditions = $423,677 =$26,222p.a. 5 Super

6. Age 55 Wage $75,000p.a. Super already saved $230,000 Compulsory 9% contribution Poor market conditions=$260,569=$16,127 p.a. Average market conditions=$318,415=$19,707p.a. Good market conditions=$351,278=$21,741 p.a. 6 Super

7. Keys to Real estate Investment Time not timing (Australian share market 1900 to 2008) 7

8. 8 ASX All ords index 1988 to 2015

9. Australian Median House Prices 1960 to 2006 9

10. ACT Median House & Unit price 1999 to 2014 (allhomes.com.au) 10

11. Yield & Capital Growth Yield = rent Capital growth = property value time Right types of property Diversification We want Growth driven property. 11

12. Negative Gearing Is the difference between the total of all costs & your rent. Depreciation. Building Depreciation = cost of building x 2.5% over 40 years. Fixtures Depreciation = cost of fittings x 20% on average over 5 years. 12

13. So how do you pick the right Property? 13 The 4 Elements of selecting Real estate 1.Buy in todays dollars 2.Select the right location 3.Select the right plan type 4.Select the right Builder/Developer

14. References http://www.superguide.com.au/superannuation-basics/a- comfortable-retirement-how-much-super-is-enough https://www.amp.com.au/super/supersimulator/ampss.ht ml https://www.moneysmart.gov.au 14