1. Passive Income
2. Capital Growth

So lets look at this in a little more details

1. Passive Income is the investor’s best friend

All investors love monthly income. But most probably don’t see much difference between getting 7% per annum and 10% per annum return from their investment–either way they are satisfied that they are making money. While the difference of 3% per annum doesn’t sound like a huge amount, you might be amazed to discover the cumulative difference this small percentage can make to the amount of wealth created over time.

If, for instance, you invested £400,000 in property and received an annual rental income of 8% per annum (rising by an conservative 1% per annum and a capital property/land growth of 2% per annum) the property would be worth £1,330,479 after ten years.

If you invested in a property that had a 10% per annum rental yield, that investment would be worth £1,831,156 after ten years.

That is a staggering £500,677 difference. How much would a deal like this be worth to you if you could gain an additional £500,677 over ten years?

2. Creating wealth is about holding not selling

Too many people sell their investments to their own disadvantage. Often they feel they haven’t received a sufficient return or they don’t have the patience to realise that property is a long-term investment. Other times they sell because they want to buy in another area that they think is hot. To be successful you must resist the temptation to sell your property. The Smart Property Investors always buys and holds for the long term.

The post The Two Irrefutable Laws to Property Investments in the UK first appeared on Citywide Investors | Supported Housing Developer.

Investing in your future all starts with a Plan, before you start investing it’s important to make a plan of action so that you know what you’re doing and how you’re going to get there. Investing is important if you want to be able to retire earlier than most people in the UK. Even if you earn a limited income you can save for your future. Despite the volatile stock market, and unstable property market most people have recovered their losses and then some. Remember investing is a long-term plan… and again investing is for the long term.

Do you know where you are today?

It’s very important to check your current financial status by writing down all your assets, income, and debt. Separate debt into good debt, like student loans and mortgages, and bad debt like credit cards and loans. You can easily use a spreadsheet on Excel and lay out your money flowing in and out.

Set Goals for Where You Want to Be

When you know where you are, you can finally set some goals for where you want to be. Have various goals for 5, 10, 15 and 20 years or more depending on the age you plan to retire. Don’t assume you have to retire at 65 – some people, if they manage their money well, can retire much sooner.

Clear your Debts

This is one of the most important things you can do for your future is to pay off your consumer debt. Consumer debt consists of personal loans and credit card debt that has very high interest – usually more than 10 percent and sometimes approaching 40 percent. This type of debt is not good to have and if you think about it, by paying it off you’re earning whatever interest rate they’re charging. By clearing your credit card bills you are effectively saving 10-40%.

Determine Your Risk Tolerance Level

Some people do not feel sick when they invest money that they might lose. Other people cannot stomach the idea at all. If you are risk averse then you should choose safer investments even though you’ll get a lower return. If you are okay with the risk of losing what you put in then you have a high tolerance and can invest in more risky investments. With these you could earn upto 20% or more on your money.

Choose an Investment Strategy Based on Your Risk Tolerance

Now that you have that information, you can start creating an investment plan. If you have high tolerance to risk you can invest mostly in stocks, and if you have a low tolerance you would invest mostly in Property. If you’re in the middle someplace you may want to choose a mutual fund pr the Forex market to invest in.

Determine How much Savings You Need Each Month

Using the estimated figures supplied to you by the investing entity you choose to work with, determine how much you need to invest in each area each month to reach your short-term and long-term goals. Leveraging your money buying property can vastly increase your saving bank account.

Monitor Your Investment Plan Regularly

Check on your investments periodically to find out if you need to catch up, or if you’re ahead of your goals. For example, if you check after five years you may see that you filled your need for liquid cash and paid off all your consumer credit. Now you can invest that money into stocks, bonds, mutual funds or a more risky enterprise based on your risk averse level.

Now Relax

Now that you’re on your way investing, you can actually sit back and relax. You’re investing based on your tolerance for risk, and the disposable money you have available to you each month, so you should be able to live your life and only check in on your investments occasionally.

Creating an investment plan is a good idea for everyone. Most people can start very young, investing money even in high school with their first job. It’s important to try to at least save about 25% of your income from day one. If you can do that, you’ll never have to worry about your retirement years.

The post Why all Smart Investors Have an Investment Plan first appeared on Citywide Investors | Supported Housing Developer.

Where to buy your next Property Investment?

1. Get Property at the Right Price – There are some areas that are classified as property investment hotspots. When you want to invest in property, you need to find the ideal property and pay the right price for it. This is one of the most critical decisions to make.

2. Cash Flow Issues – Property investment is a long-term plan to create wealth. However, when you are busy looking for where to buy property investments, you need to have medium and short term goals. This is to ensure that you will not suffer while waiting for your property investments to mature.

3. Hire a Property Manager – So, which is the best city to buy investment property? There is someone who has all these details. Such people are professionals who are known as property managers. They will advise you and help you make the most of your investments.

4. Analyse Market Dynamics – When you understand the market dynamics, you will be able to tell where to buy property investments. The best way to get all this information is to work with reputable property management companies. You will get all the details on various places.

5. Financing Investment Property – You can pick a mortgage as the option to finance your investment property. You should consult widely so that you can find a deal that suits your needs in the best way possible. You should not go for something that will drain all your finances.

6. Making Use of Other Property – If you own property elsewhere, you use the equity of that property to invest in the property investment hotspots. This will give you an easier way to finance the current property investment that you are pursuing.

7. Tax Benefits for Losses – When you make a loss from your property investments, you will enjoy some specific tax benefits. There are experts who will help you find out how you can use negative gearing when looking for where to buy property investments so as to get tax deductions.

8. Condition of the Property – Make sure you physically inspect the property so as to determine the condition and if it is worth the price. Do not pay for anything that you have not physically seen.

9. Modernise the Property – People love attractive things, and you should make efforts to modernise your property so that you can get tenants pretty fast. This is one of the ways to make the most from your investment.

10. Long-term Deals – Some people make the mistake of committing too soon simply because they bump into property investment hotspots. Take your time and negotiate for long term deals so that you can manage your risks effectively.

The post 10 Best Property Investment Strategies for 2022 first appeared on Citywide Investors | Supported Housing Developer.

1. By Far the easiest place to establish and run a business is in Europe: According to a World Bank study, it takes only 13 days to establish a business in the UK. The World Bank has ranked the UK first in Europe and sixth in the world to operate business.
2. An internationally competitive tax environment for foreign investors: the UK has the lowest corporate tax at 28 percent which is the lowest in the G7.
3. Least barriers to entrepreneurship: OECD has identified the UK as First in the world for Product Market Regulation. It also ranks second for the least barriers to entrepreneurship.
4. World leader in innovation: the UK is known for its quality research base and ranks second on the list of most productive places for innovation.
5. Stable Political Environments: Transparency International rates the UK high on the transparency list. The UK is the country with the least corruption in the world. It achieves a higher rating in comparison to the US, Japan, Germany and France.
6. Stable Regulatory Environment: the UK follows a consultative approach for formulation of regulation which is beneficial for a business environment.
7. Easy property registration: Registering property in the UK is easier in comparison to Italy, Ireland, France and Germany.
8. International language for business: English being the operational language has advantages when doing business globally.
9. Top Talent: the UK is home to the top six universities in Europe. Two of the top six best schools in the UK figure in top three global universities.
10. Gateway to the EU market: The UK acts as an excellent gateway to the European market which has 27 member states and an approximate population of 500 million.
11. Strong Communication Network: The UK has extensive broadband markets amongst the G7 countries and also the strongest ICT infrastructure in the world.
12. Strong transport links: The UK is known for its world class transport links. The government has taken steps to improve air facilities, rail network and rail freight infrastructure.
13. Leading Financial Center: London which is world’s largest financial center is situated in the UK.
14. Rapid productivity growth: The UK has taken a major leap in terms of productivity in comparison to its other core competitors.

The post Top 14 Reasons Why Investing in the UK is More Profitable first appeared on Citywide Investors | Supported Housing Developer.