Investment Reports
Investment Portfolio Overview
Portfolio Summary
Total Properties:
3
Total Portfolio Value:
$2,340,000
Total Equity:
$667,400
Monthly Cash Flow:
+$2,340
Property Details
123 Smith Street, Melbourne VIC
Current Value:
$890,000
Equity:
$311,500
Monthly Rent:
$2,600
Cash Flow:
+$890/month
456 Queen Street, Brisbane QLD
Current Value:
$615,000
Equity:
$172,200
Monthly Rent:
$2,100
Cash Flow:
+$720/month
789 King Street, Perth WA
Current Value:
$835,000
Equity:
$183,700
Monthly Rent:
$2,400
Cash Flow:
+$730/month
Recommendations
- Your portfolio is performing well with positive cash flow across all properties
- Consider refinancing to access equity for additional investments
- Perth property shows strong growth potential - consider holding long-term
- Review rental rates annually to ensure market alignment
Strategic Investment Analysis
Portfolio Strategy Assessment
Weighted Average LVR:
71.7%
Portfolio Yield:
4.6%
Equity Release Potential:
$667,400
Risk Assessment:
Low-Medium
Market Positioning
Geographic Distribution
- Melbourne: 38% of portfolio value
- Brisbane: 26% of portfolio value
- Perth: 36% of portfolio value
Property Types
- Houses: 33% (Melbourne)
- Apartments: 33% (Brisbane)
- Townhouses: 33% (Perth)
Growth Projections (10 Year)
Conservative (4% annual growth)
Portfolio Value: $3,230,000
Total Equity: $1,557,400
Moderate (6% annual growth)
Portfolio Value: $3,897,000
Total Equity: $2,224,400
Optimistic (8% annual growth)
Portfolio Value: $4,713,000
Total Equity: $3,040,400
Strategic Action Items
- Refinance Perth property to reduce LVR from 78% to 70%
- Consider acquiring Brisbane apartment with deposit from equity release
- Implement annual property value reviews for tax optimization
- Establish property management reserves for capital improvements
30-Year Investment Forecast
Investment Scenarios
Conservative Scenario
Annual Growth Rate:
4.5%
Final Portfolio Value:
$8,145,000
Total Equity:
$7,472,000
Final Annual Cash Flow:
$89,750
Moderate Scenario
Annual Growth Rate:
6.2%
Final Portfolio Value:
$13,847,000
Total Equity:
$13,174,000
Final Annual Cash Flow:
$152,317
Optimistic Scenario
Annual Growth Rate:
8.1%
Final Portfolio Value:
$24,156,000
Total Equity:
$23,483,000
Final Annual Cash Flow:
$266,116
Key Milestones
5 Years (2029)
Portfolio Value: $3.1M - $4.2M
Equity Release Potential: $1.2M - $1.8M
10 Years (2034)
Portfolio Value: $3.9M - $6.8M
Equity Release Potential: $2.7M - $5.6M
20 Years (2044)
Portfolio Value: $6.4M - $17.3M
Equity Release Potential: $5.9M - $16.6M
30 Years (2054)
Portfolio Value: $8.1M - $24.2M
Equity Release Potential: $7.5M - $23.5M
Long-term Strategy Recommendations
- Consider establishing property investment trust structure by year 10
- Implement tax optimization strategies starting year 5
- Plan for potential interest rate environment changes
- Develop exit strategies for individual properties
- Consider inheritance tax planning for wealth transfer
Risk Factors & Mitigation
Market Risk
Diversified across cities and property types
Interest Rate Risk
Consider fixing portions of debt portfolio
Cash Flow Risk
Maintain 6-month expense reserves
Regulatory Risk
Stay informed on tax law changes