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  1. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    Yes mate...thats what I was referring too, historic sales rates.
  2. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    I think you will find HG maybe LOR by then...Planning to LOE a few years.
  3. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    My Sydney IP has had a conservative 50% CG in 4 years... and 35% yield increase.
  4. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    Would be interesting to see the historic rates for areas in and immediately adjacent to Sydney's metropolitan area Satellite cbd's.
  5. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    All the props I have held for 10 years have double/tripled along with their yields..those particular ones are not Sydney tho as I purchase there 4 years just gone so dont have first hand experience in that market of the time required.
  6. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    That's how cycles work isn't it? 80% of growth in last 20% of time.
  7. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    1. Ideally topping up when ever possible post rat race exit. 2. 70% would be max post top up which includes one property cycle of undrawn funds availability in LOC. 3. Portfolio holdings need to be structured across multiple CG markets to maximise exposure diversification.
  8. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    ie At least one property cycle min and top up where ever possible throughout. ie enough to last at least 10 years is my risk profile preference.
  9. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    It sure beats getting out of bed each morning selling your life away for it. :) After possibly utilising LOE to exit the rat race earlier, one could LOR at this stage if that's what suited them.
  10. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    Gotta luv property........and a glass of wine :D
  11. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    Correct, property values & yields increase out stripping cpi..other wise there is no point to use property as an investment vehicle.
  12. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    hehehe..... yeah it varies slightly depending upon IP. 1% is what I've always worked from and its been pretty much on the mark with my type IP. So cadence, in relation to the initial example provided, allow $80-$100k for holding expenses.
  13. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    That scenario is just an example I've used if some one was looking to draw down the average wage in todays dollars.. If you allow another 1% portfolio value for other holding expenses including management you should have them covered....what do you think skater?
  14. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    per perhaps..LOC, live off children.. mainly OS culture.
  15. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    I think where the confusion is in LOE & LOG as mentioned. We started out with a 1 year old in 2000 and had 2nd child the following year. Over the coarse of the following decade 2000 -2010 we basically purchased a prop per year. Some years none other years 2.. Just prior to rat race exit last...
  16. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    Exactly........ if you dont know where you are going, you will never know when you have arrived. Without a destination all roads look the same...and lies the frustration.
  17. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    We exit the race race last year on a Buy & Hold Strategy. It took us 15 years to do it, building a multi million dollar portfolio spread across Australia which consists of around half the number of properties you mention. The last 5 years of it was a good stress test coming off the back of...
  18. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    Sash, pure LOE. I will pm you. p.s I tried pm you and it says you need to clear some room in your PM inbox
  19. Rixter

    Using a buy & hold strategy, in how many years did you reach financial independence?

    That's exactly right.. if you've eaten into the equity you've painted yourself into a corner. You need to leave sufficient equity aside for applying the CB structure when top up time comes round.
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