How the timeframe changes the plan
- A shorter runway means less time to recover from a poor purchase
- Rental income and lower debt often matter more than maximum growth
- Selling costs and capital gains tax affect when and what to sell
- Lending terms can be shorter as you approach retirement age
How we help
- 01Work back from your goal
The income you want, when you want it, and what you own today.
- 02Choose the right assets
Properties that suit a shorter timeframe, often with stronger yield.
- 03Plan the exit
When to pay down debt or sell, with your accountant and financial adviser.
- 04Review every year
So the plan adjusts as retirement gets closer.
Retirement planning involves super, tax and pensions. A licensed financial adviser and your accountant lead those decisions. We focus on the property.
Common questions
Is it too late to start investing in my 50s?
Not necessarily, but the plan must suit a shorter timeframe and your borrowing options.
Should I pay off debt or buy more property?
That depends on your whole position. Your financial adviser and accountant should weigh in.
Can I use super to buy property?
Through an SMSF in some cases. See our SMSF page and speak to a licensed adviser.
Related
General information only. It does not consider your objectives, financial situation or needs, and is not financial, credit, tax or legal advice. Rules change, so check current law and get advice from a licensed professional before acting.