How many properties do you really need to retire on?

It’s everyone’s dream to retire early with oodles of cash in their bank accounts.


Unfortunately, the reality is very different for the vast majority of Australians, who generally have to rely on the pension in their twilight years.

That sad statistic is even more concerning because it means that many hardworking Aussies will struggle to make ends meet in retirement when they probably earned millions of dollars during their lifetimes.

Alas, too many people do little with the income they earn during their 40-year working lives, apart from buying and dutifully paying off their home.

Of course, that’s generally because it is what generations of us have been taught to do.

The tide is slowly turning, but of the two million investors in Australia, about 70 per cent only own one property, which does improve their financial situation but not markedly so.

How to be financially free in retirement

The idea of financial freedom is probably on everyone’s radar, but it never gets past being an idea because they don’t understand how they can achieve it.

Those who make a decision to achieve that goal, either before or by retirement, are already halfway there.

Instead of dreaming about a day that will be unlikely to arrive without instigating a successful wealth creation strategy, they choose to take control of their financial futures and develop a plan.

All of our clients are different because they have different lifestyles as well as incomes.

The one thing they have in common, though, is the desire to be financially different to the masses.

They don’t want the last few decades of their lives to be spent on Struggle Street and are prepared to put in the work to achieve something financially different.

Our strategy – which is personalised for every client – is to build a property portfolio that will eventually pay itself off and provide significant cash flow in the future.

And contrary to some alarmist ideas, you don’t need to own dozens of properties to get there.

In fact, most investors only need to own $2 million-worth of property today – say five affordable $400,000 homes – to be retire early or to achieve financial freedom in just 15 years.

How does it work?

The goal after just 15 years is to achieve an annual $100,000 income from a portfolio that is conservatively growing in value by six per cent per annum.

In 15 years’ time, the portfolio would be worth $4.793 million, which means a net worth of $2.793 million that is providing four per cent cash flow of about $9,300 per month.

The thing to understand with the above example is that it’s the worst-case scenario because it’s based on interest-only repayments as well as 100 per cent debt due to some clients leveraging from existing properties.

Not only do most of our clients have more time on their sides than 15 years, they also often adopt a strategy of paying principal and interest repayments, which means their cash flow would be higher still at four per cent due to their net-worth increasing to $3.372 million or $11,240 per month.

After 15 years – remembering that many of our clients hold their portfolios for longer periods of time – they could either:

  • Live off the monthly cash flow of between $9,300 and $11,240 while retaining the portfolio on interest-only or partial principal and interest terms;
  • Sell half the portfolio to pay down debt and live off a five per cent net return of about $12,000 per month.
  • Sell the entire portfolio to reinvest in other asset classes that can obtain four to seven per cent annual returns.

So, as you can see, living comfortably in retirement doesn’t require you to save every penny you earn – inside or outside super – during your working lives.

What it does require is a desire to be financially different and to develop a strategic plan that will see your monthly cash flow in retirement be many times more than it would have been if you had done nothing at all.

High-Performance Property Investment in
5 Simple Steps

In this free guide, you will learn how to Implement the same strategies that led me to build a $3.5 million dollar portfolio in less than six years. – Daniel Walsh

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Respecting your Privacy

Your Property Your Wealth Pty Ltd (YPYW) is committed to supporting the Australian Privacy Principles for all fair handling of Personal Information which set clear standards for the collection, use, disclosure, storage of and access to Personal Information collected during the course of business operations and compliance with the Privacy Act 1988 (Commonwealth) and its amendments (the Act), and the Australian Privacy Principles (APPs) set out in that Act. You can see the full text of the APPs online at the Office of the Australian Information Commissioner’s website at:

Personal Information means your name, mailing or residential address, telephone number, email address and other transaction and registration details including the company you work for and your role and financial information, including credit card information and information collected from credit reporting agencies.

Our respect for your rights to the privacy of your personal information is paramount.  We have policies and procedures in place to ensure that all personal information, no matter how or where it is obtained, is handled sensitively, securely and in accordance with the APPs.

This Privacy Policy sets out:

  • What sort of personal information is collected and stored;
  • How information is collected and used;
  • What happens if you choose not to provide the required information; and
  • How you can request access to the personal information we hold about you.

From time to time it may be necessary for YPYW to review and revise this Privacy Policy. We reserve the right to change our policy at any time. Amendments or replacements of the Privacy Policy will be posted on our website.

Collection of Your Personal Information

We only collect personal information relevant to our business relationship with you so that we can provide our services and products. We may collect your personal information:

  • directly from you including via telephone, email or facsimile;
  • when your register on our website;
  • when you place an order or service request with us;
  • where you access and interact with our website;
  • from other sources including a third party such as credit reporting; and
  • any correspondence we receive from you.

Is your personal information secure

Where you submit personal information, we manage it by using up-to-date techniques and processes that meet current industry standards to ensure that your personal information is kept secure and confidential. We also take measures to destroy or permanently de-identify personal information if it is no longer required.

Use and Disclosure of Personal Information

You acknowledge and consent that by providing your personal information to us that we may use and disclose your personal information for the purpose for which it was collected or for a related or ancillary purpose such as:

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  • to identify you and conduct appropriate checks, including credit checks;
  • set up, administer and manage our services and products and systems, including the management and administration of an account;
  • to train and develop our staff to better provide services to you;
  • to contact you; and
  • to our successors and/or assigns

What happens if you do not want to disclose personal information?

You have no obligation to provide any personal information requested by us, but if you choose to withhold personal information, we may not be able to provide you with the products and services that depend on the collection of that information.

Removing your personal information

You may contact us at any time in writing and request that we remove and delete your stored personal information.

Providing Personal Information About Another Person

You represent to us that where you provide personal information to us about another person, you are authorised to provide that information to us, and that you will inform that person who we are, how we use and disclose their information, and that they can gain access to that information.

Linked Sites

YPYW’s website may contain links to websites which are owned or operated by other parties. You should make enquiries as to the privacy policies of these parties. We are not responsible for information, or the privacy practices of such websites.

How can you access your personal information?

You may in writing request access to personal information that we hold about you. We will provide you with access to personal information in accordance with the Act and APPs and we may not grant you access to the personal information that we hold where the APPs allow us to do so. If you are refused access to information, we will provide you with reasons for the refusal in writing.

How to contact us

If you have any questions in relation to privacy, please contact us on 0490 912 045 or email Daniel Walsh – For more information about privacy law please visit

High-Performance Property Investment in 5 Simple Steps

In this free guide, you will learn how to Implement the same strategies that led me to build a $3.5 million dollar portfolio in less than six years. – Daniel Walsh