It is our Clients who ultimately decide what constitutes an appropriate investment for their personal and financial needs.

The PIE Process expressly is designed to give options and information so that an educated decision can be made. In an individual Client’s investigation through the PIE Process various investment strategies may be investigated. These strategies are outlined below.

Tax Effective Investing

Tailor Made Tax Effective Property

We enable our Clients to purchase ‘tailor-made’ Tax Effective Investment Property which simultaneously reduce their tax and increase their potential Capital Growth.

The term ‘Tax Effective’ is used and abused as a common strategy employed by property investors. The intention is to purchase a property in an area that will grow in value and use the various tax deductions to reduce taxable income. However, most people do this and revisit the tax implications AFTER the purchase is in place.
What make our program different is that we allow our Clients to tailor an investment so that it optimises their Tax Deductions and allows them to decide on a minimised holding cost BEFORE purchase. This approach has the simultaneous advantage of minimising the holding cost and maximising the Leverage of Other People’s Money.

Allow us to show you how maximising the Leverage of Other People’s Money has compounding advantages only one of which is to create more potential Capital Growth.

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Superannuation Investing

PiggyHouseNewMany people have become disillusioned with the results of Super Funds and wish to investigate how to take control and invest in Property with their Superannuation.

Having property in a SMSF requires specific structures and correct timing in the setup otherwise money can be wasted. Similarly the outcomes and cash flow must be matched to an appropriate Investment property to maximise results. Tax Effectiveness is not a major consideration in a SMSF but appropriate leverage is. Thus the investing strategy is different. As with all Property Investing however an appropriate balance of cash flow and potential Capital Growth must be structured as part of the purchase.
Allow us to show you how our associated specialists assist our Clients to navigate the challenges inherent in optimised SMSF Property Investing.

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Land Development

Tailor Made Tax Effective Property

“Developing Property has a steep learning curve fraught with challenges, and when mistakes are made they are invariably expensive.”

Apart from living in one of the resulting Properties there are two basic outcomes possible from Developing Property; either a short term profit or a long term capital growth and residual cash flow outcome. However you may wish to ultimately realise a combination of both.

During the PIE Process you will be guided through interactive financial modelling to cost out your options and assist you to identify the most effective use of your development.

Before you spend any money the PIE Process aims to assist you to realise the optimum combination of these various outcomes to suit the result you want.

Our associated specialists offer the insights and experience that comes with over a decade of experience in assisting Clients to successfully Develop Property.

New to Property Development

If you are new to Developing then the PIE Process is an invaluable service in that it guides you through all the relevant considerations allowing you to make educated decisions at every step.

Experienced Property Developers

Those Experienced in Property Development also find there are significant benefits to our service. The most obvious of these is the leverage we have with our Strategic Partner Builders as outlined below. Making a builder do what they said they were going to do is not a reality for the individual no matter how knowledgeable or experienced.

Leverage with our Builders

Due to the volume we deal with alongside the long term relationship we have with our Strategic Partner builders we are able to offer a greater level of accountability in the service our clients receive. These advantages are summarised below.

The Challenges of Development

By way of further illustration, some of the common problems people run into during a Development process are listed below with our solutions to each…

Time Management
  • Getting everything happening in the correct order is one of the biggest challenges and costs most people face during a Development Process. This includes finance structures.
No tenant during process
  • We minimise the non-tenanted period by getting the subdivision process underway while tenanted and streamline the removal and building process.
  • Tenants are typically ready to move in on completion. A guaranteed completion time from the Builder allows us to know when to organise advertising for tenants.
Fittings and fixtures selection process is time consuming and full of unknowns
  • Selection process of fittings, fixtures, colours already done and optimised.
Selling the property takes time (and this reduces profit)
  • In many cases we can find purchasers before the project is complete. We have access to a huge network of real estate agents to attract potential buyers and we also attract a large range of Investors in our own right.
Each small mistake costs money
  • Our program brings together extensive experience in the all aspect of the development process so costly mistakes can be avoided. This includes the areas of Subdivision; Finance Structuring, Building & Sales.

Three Build Strategies

To achieve the various outcomes it is important to realise that there are potentially three possible builds in a development. Once you are clear on the implications of each then you are one step closer to realising the optimum combination that will suit your needs.

There are 3 possible types of build to any one development project.

  • You can Build to RESIDE;
  • You can Build to SELL;
  • You can Build to RENT;
Build to Reside

When you build to reside then you have the classic relation with the builder where you go through the process of deciding what fittings and fixtures as per your personal preferences.

As this is not an Investment situation as such, we cannot assist you beyond the Property Consultation where you have identified what is literally possible and ideally you will decide on a budget for the build of your home.

Build to Sell

A Build to Sell is based on the need to maximise profit. Therefore the build type needs to reflect this.

In addition your Property Consultant will also take you through the various options that will allow you to maximise the tax deduction you can put towards capital gains.

Build to Rent

Astute Investors use “Other People’s Money” to manage the holding cost of a property that has potential Capital Growth with a strategy called “Negative Gearing”. (This is where the costs to run the investment property exceed the rental income and this negative cashflow can be used to offset taxable income.)

With this strategy there can be a significant ongoing holding cost. However where the investor’s taxable income is large enough, a tax credit is created which offsets some of the holding cost.

Rather than simply manage the holding cost, the PIE Investment Program will take you through the process of finding the ideal ratio of land to building size to suit your tax minimisation requirements in an attempt to maximise “Other People’s Money”.

Maximising “Other People’s Money” simultaneously maximises the investment’s leverage and minimises the holding cost, making the investment “easier to afford” on a day to day basis and achieving greater potential Capital Growth.

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