What stage are you currently at in your investing in property journey?

What stage are you currently at in your investing in property journey? 

Seasoned Investor? 

Accidental Landlord? 

First Time Investor? 

It is not a ‘one size fits all’ industry.

Most of our investors have these common goals: 

  1. To achieve appropriate returns on the investment made, in line with market competition.
  2. To carefully consider the risks involved
  3. To look for financial freedom

How can we help you?

Through our various investing opportunities: 

  1. Passive Investing with our associates LEOpropcrowd
  2. Portfolio Review and Improvements
  3. Strategic Investing Opportunities 

Of course, there are no guarantees and that is a very important first lesson that we discuss in our initial meetings.  There is an element of risk that must be considered when investing in property and although we aim to invest well and offer the potential returns that we are asked for, it can sometimes not work out as planned. 

What do we do? 

Assess your needs

Find The right strategy 

Offer a few opportunities

Work with you throughout the process. 

We are always looking for the best way for our clients to potentially achieve success through investing.  Through our partnership with @Leopropcrowd we feel we have found an interesting and considered way to invest small and potentially build to bigger returns. We are excited to be working on our first project with them and although we are not quite ready to ‘lift the lid’ on that yet, we have some similar recent project case studies on their website now.  Take a look and ask any questions you have through the forum or message us directly. 


You can see an example here

Risk Warning: Investment in property related assets puts your capital at risk and returns are not guaranteed.  Past performance is not a reliable indicator of future success.  



A Blended Approach To Property Investment

Choose your favourite partnership or team. Cagney and Lacey, Torvill and Dean or Scholes and Keane – we all have favourites. Long term property investment needs to be a partnership between holding property and trading property, one for long term income, and one for short term capital growth.

Much is made nowadays on the need to focus – to stick to one thing and do it well. In a previous article, I discussed the need to choose if you are in property – to buy and hold for yield – or in money – to use the property as a trading vehicle to build cash reserves. I also intimated in that article that you should not be fully in one or the other. You need a blended approach. There should however be one central strategy built around one of these, with the other supporting.

To be in property and investing in property, you need money. You may start with money and get into property investment, or you may start with nothing and use property investment to build money up. From there you decide to build a portfolio for income or to continue to trade and make that your core strategy.

The need for a blended approach is both a practical one and a risk-related one. Practically in order to continue to build up a portfolio, there will at some stage be the need to put more capital in. Assuming property investment is what you do well and is your main vehicle to make money, you should then look to use this to build the cash reserves up. Having a blended approach also mitigates risk. No one really knows what will happen post-Covid 19 in the property market. We do not know whether a period of inflation will drive down the value of money and property up, or we will see a market correction or even collapse. Money and property are to an extent a hedge.

The likely outcome is that in the short-term being cash-rich will be good to take advantage of bargains. In the long term, however, it is likely that the fiscal measures the government takes to right the ship, Government Bonds or Quantitative Easing, will result in a devaluation of money. Holding assets in that situation will be beneficial as they will naturally gain value-  if the value is measured in monetary terms!

In my next post I will talk about the need for a layered approach to long term property investment and the importance of creating an inner circle.

At T5 we have two clear strategies – income strategy – high yield property refurbishment and onwards rental and capital return strategy – land planning and development and resale. If you want to know how you can work with us or have any questions get in touch!

Andy Babbayan – Director of Target Five