Creating Wealth for Retirement

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Mortgage reduction Brisbane

There are many ways of building wealth. However, none are as reliable as investing in residential real estate.

Residential investment property can provide a permanent and continuous passive income throughout your entire retirement. This is a unique opportunity as other investment strategies like the Stock Market are unreliable and volatile. If the stock market crashes when you have your money invested in stocks, then there is a high chance that the most you will be left with is a worthless piece of paper and memories of stocks that used to be worth something.

So, after reducing or paying off your home loan as discussed on the Mortgage Reduction page, the next step in your financial freedom is ensuring that you will be able to enjoy a comfortable and debt free retirement.

Brisbane mortgage reduction

What Are The Facts Of Retirement?

The financial reality of retirement for most Australians is quite dim.


  • The current age to qualify for the Age Pension in Australia is 65 years of age for males and slightly less for females.
  • In 2017, the qualifying age at which males will be able to obtain Age Pension will rise to 67 years and will continue to increase in lots of 6 months every 2 years. 1
  • With some exceptions the maximum single pension rate is approximately 25% of the Male Total Average Weekly Earnings using the Consumer Price Index as a guide. 2

Don't be trapped into working until you are 65 years old, when there are investment strategies that you can implement now so you can enjoy your retirement earlier!

Mortgage reduction strategies Brisbane

How Much Will I Need To Retire?

Due to the rising cost of health care and supporting children and grandchildren, many retirees find that the cost of living rises once they stop working and retire.

Depending on individual circumstances it can be estimated that for a retiree to enjoy a reasonably comfortable retirement lifestyle, they will need approximately $50,000 gross income per person per year.

Create wealth with investment property

Wealth For Retirement - Why Use Residential Investment Property?

A safe investment is a good investment. Residential Investment Properties guarantee good returns and you will have an asset for life. This ensures that you attain the lifestyle that you deserve after all those years of hard work.

How can you build a secure foundation for creating wealth in retirement? Simple, a real estate investment strategy will get you off to a fantastic start!

  • Obtain the correct home loan product.
  • Any rent collected from your investment property should be immediately reinvested back into the loan. This will allow for the fast reduction of the mortgage.
  • Once the mortgage is paid out, any rent collected from the investment property will become your passive income in retirement. Say a property is rented for $400 per week, then that is $400 extra in your pocket! Multiply this by numerous investment properties and you have a very comfortable retirement income.

Aside from collecting the weekly rent from your investment property, the value of the property will also increase each year.

South Queensland Properties. Brisbane Property Investment

Where To Invest - Real Estate Investment Brisbane

The Queensland Governments SE Queensland Regional Plan 2009-2031 showed that the city of Brisbane is going to dramatically increase over the next 20 years, with a huge demand for new homes, including rental properties to accommodate the influx. 3

The price of rent will increase as the demand for rental properties grows. Now is the time to grab a piece of the investment pie as Brisbane expands and start planning for your future! Rental properties in Brisbane are a solid investment for your money.

Oz Mortgage Reductions can offer expert advice about reducing your mortgage and investing in Brisbane property. The sooner that you start planning, the sooner you will reap the benefits of investing in property.