Building wealth with Rossdale.
Build your retirement nest egg with Rossdale Investments.
Planning for your future should be an exciting time. So make sure Rossdale Investments is a part of your thinking. Rossdale Investments has an extensive knowledge of the South Australian housing rental market and capital growth hot spots.
Wholly owned by Rossdale Homes, the legendary South Australian builder with over 35 years’ experience, boasts an impressive building pedigree. So talk with Rossdale Investments soon. Building wealth for a better future starts now.
Retirement might be work-free. But what about care-free?
- I don’t know where on earth to start!
- Can I use my superannuation to invest?
- What happens if we can’t find a tenant?
- Can I afford to do this?
- Where’s the best place to invest?
- How can I pay less tax?
- I don’t have time to find a property
- Can someone explain negative gearing to me?
- Will there be unbudgeted costs like landscaping or hitting rock?
- I have equity in my home. I just don’t know who to trust!
How Rossdale Investments can build you a property – and long-term wealth.
We are not investment planners. We are professional home builders. However, Rossdale Investments offers something other builders do not. Being aligned with a team of independent professionals means we can support you through the entire process from concept to finance to property management.
We will tailor an investment that fits your plans, your budget and your stage in life. And we will only commence work when you’re completely ready. We make the process easier and communicate with you every step of the way.
The Steps to Building Wealth
Frequently asked questions.
How much will I need to retire on?
There’s an easy way to calculate how big a nest egg you’ll need – simply multiply your desired income by 20. This figure is often used because gross return on investments is made up of capital growth and income yield. If capital growth keeps pace with inflation, the before tax yield is usually around 5% gross, or 1/20. For example, if you want an annual income of $50,000, you’ll need a nest egg of $1,000,000. Anything less and you’ll soon start eating away your principle.
Can I build wealth through residential property investment?
All you need to commence your property investment strategy is some equity in your family home and reliable surplus income:
- Investing in property can build wealth in the medium to long term.
- You can use the equity in your home to access finance for the investment.
- You can combine your current income, tax benefits and rental income to fund the investment.
- You can expand your portfolio over time when capital growth is attained to leverage into new property.
- Investing in property can help you pay off your own home in less time.
Terms such as leverage, gearing and capital gain – what do they mean?
- Leverage describes the multiplier effect that money can achieve. For example, $20 invested at 5% is $1. However if that $20 was used as a deposit or security to borrow $100 that was then reinvested at the same 5% return, the result would be $5 – which is 5x better.
- Gearing means borrowing money. Negative gearing is when the total expenses of an investment, including the interest on the loan, are greater than the income produced by the investment.
- Capital gain is the increase in value of an asset over a period of time less final expenses, such as selling costs.
Investing in Property – what to buy and where
It makes good business sense to look at properties around the median price range, as they will deliver you good capital growth and steady yield or rental income with access to a greater number of quality tenants. In order to maximise appeal to potential renters, look at family-friendly locations near schools, public transport and shops.
Is it better to build?
Building a property is always a smart move to maximise your investment returns. A Rossdale Investments expert can give you all the reasons why this is the case, but here are just a few:
- Stamp duty is payable only on the land, not the home.
- You can claim depreciation of the home and fittings.
- New homes have substantially less maintenance problems than older established homes.
- New homes are covered by the builder’s warranty.
- New Homes are generally more attractive to tenants.
Can I manage my investment property myself?
You can – but it takes a lot of work. At Rossdale Investments, we always recommend using a Property Manager to manage your property. Not only are their
costs fully tax deductible, they will take care of difficult
and time-consuming work including:
- Sourcing and screening tenants
- Handling necessary paperwork
- Conducting regular inspections
- Maintenance issues
- Knowing rental market information
- Collecting the rent
- Maximising tax deductions
Rossdale house and land packages. Investment made easy.
Managing you own investment property can be a false economy. It can also be stressful. Fixing tap washers and collecting rent might sound like small jobs, but they can soon get out of hand. And if not done well, they can cost you financially.
Our general rule is always to use a property manager and enjoy your investment.
Lot 1 Lutana Crescent, Mitchell Park
Lot 35 Soutchak Street, Fairview Park
Lot 291 Tarakan Avenue, Broadview
Lot 13 Surrey Street, Blair Athol
Lot 79 Henry Street, Mansfield Park
Lot 2781 Condon Drive, Lightsview
Lot 1334 Fathom Crescent, Seaford Meadows
Lot 26 New Road “ONKAPARINGA RISE”
Lot 2120 Grantchester Ave, Mt Barker
Lot 82 Wildwood Street, Paralowie