Property Investment
Utilising our sister company, Lifestyle Property International, we work on behalf of our clients to achieve ‘Wealth through Property’. Due to the power of leverage and the effect of mortgages, returns on buy-to-let properties often outperform equity markets. As such property should be considered a core holding in everyone’s investment portfolio.
However, knowing when and where to buy requires specialist advice, which is where the team at Lifestyle provide a valuable service to our clients. By providing a turnkey solution, we can source, finance and rent investment properties, removing the unknowns and allowing clients to benefit from consistent, positive returns.
Mr X approached Lifestyle with a view to remortgaging his investment property in France and saving money by reducing interest rates. However, Mr. X only had a very small mortgage with a lot of equity in the property. After consultation with Lifestyle, Mr. X agreed to refinance and release some equity from his property to build a bigger portfolio for greater long-term returns.
Originally his property in France was worth US$ 1,000,000 but he managed to release enough equity to control a portfolio worth US$ 2,000,000. Assuming that the growth rate on his French property was 4% per annum, he would originally be making US$ 40,000 of capital appreciation each year, whereas he is now making US$ 80,000 per annum in capital appreciation due to a larger portfolio.
The entry and carrying costs of his portfolio were funded from his existing property so he didn’t have to invest any new capital. Instead, he is making substantially greater returns from a simple refinance exercise.
Protect Your Savings
In case of a sudden illness or accident, you don’t have to utilise your savings to pay the high price for medical treatment. Surgery and room costs in Hong Kong’s private hospitals can easily reach US$100,000 for major heart disease and cancer. This can be covered by the insurance plan, should you have coverage in place. Your savings should be used for their intended use, such as buying a home, funding your children’s education and retirement.
ANDREW CASE STUDYThe cost of quality healthcare is at a premium. We have close partnerships with market-leading international healthcare insurance companies that offer sustainable products making sure that we can match the required level of cover to your budget.
We don’t charge you for our services, so premiums are the same as going directly to the insurance company. What you get is advice on the plan’s benefits and coverage limits that make sense to you and your financial situation.
Don’t leave your financial future to chance.
Contact Platinum Financial Services to help you through your financial journey.
