Is Property Right For Me?

As an investor, I’m constantly looking for a strong, long term investment.

I don’t want to take on a huge amount of risk, or debt, and I want something that is going to provide me with a passive income for life.

Both shares and property have a solid, long term track record in Australian, America and Europe.

I like the idea of both, but I have been attracted to the property since reading Rich Dad, Poor Dad, when I was 23.

For some reason, property makes sense to me and fits better with my risk profile.

Here’s why:

Pros of investing in property

– With 70% of Australia’s owning property to live in, property is less volatile than shares.

– Australia’s population is expected to exceed 50 million people by 2066, according to the ABS, providing strong future demand for housing.

– Banks can lend up to 90% of the value of a property.

– You can physically see and touch property.

– A quality property can provide strong, long term capital gains, along with strong cash flow.

– A quality property can be an extremely low maintenance investment, with the right team in place.

Cons of investing in property

– You need a large deposit to buy a property.

– Property is a long term commitment.

– You will not get rich quick investing in property.

– It can take months to sell a property.

– There are costs involved with buying, holding and selling a property.

– Property values rise and fall, like any other asset.

That said some of my friends have done really well out of the share market.

Pros of investing in shares

Well timed shares can provide high returns over a short period of time.

– Shares can provide strong dividends.

– You can pick your shares, based on your personal risk profile.

– You don’t need a huge amount of money to start investing in shares.

– You can sell shares quickly.

Cons of investing in shares

– Share values can fall dramatically.

– A shares value can fall to $0.

– You are reliant on a company and its employees to continue making a dividend.

– Share values fluctuate daily and must be watched carefully.

– Understanding the share market takes time.

– It’s more difficult to get finance for shares.

Property is more suited to people who like are looking for:

– Stability
– Lower risk
– Long term gains
– Consistent cash flow
– Lower maintenance

As a husband and father of three children, this suits me well.

Shares are more suited to people who are looking for:

– Short term gains

They are also suited to people who don’t have a huge amount of capital and investors who like to be active.

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Ben Everingham


Ben founded Pumped On Property after building a multi-million dollar property portfolio over a 5 year period. His mission is to show you how to replace your income through property investing so you can do what you love…full time.