Investors Choice Mortgages - Portfolio Calculator

FINANCIAL SECURITY

FINANCIAL SATISFACTION

HOW MANY PROPERTIES?

BASIC COSTS

Per month:

Per year:

Accommodation:

Food:

Utilities:

Transport:

Insurance:

For you to cover all your basic costs of living this is how much you need:

Per month:

Per year:

$ 3,750

$ 45,000

A safety buffer is recommended. You can choose how this is calculated:

Based on:

Your buffer per year is:

$ 2,500

For you to cover all your basic costs of living this is how much you need:

Per month:

Per year:

$ 3,958

$ 47,500

Annual expected return of funds in the bank:

Amount needed in the bank to generate
your annual financial security figure:

$ 950,000

Disclaimer: This calculator is for demonstration purposes only. Please consult your accountant
or financial planner to discuss your specific circumstances. NB all pretax dollars.
© 2015 Investors Choice Mortgages

BASIC COSTS

Per month:

Per year:

Accommodation:

$ 2,500

$ 30,000

Total Basic Costs:

$ 3,750

$ 45,000

LITTLE EXTRA

Per month:

Per year:

Clothing:

Entertainment:

Education:

Holiday:

Gifts:

Little luxuries:

Other:

For you to cover all your basic costs of living this is how much you need:

Per month:

Per year:

$ 5,900

$ 70,800

A safety buffer is recommended. You can choose how this is calculated:

Based on:

Your buffer per year is:

$ 2,500

For you to cover all your basic costs of living this is how much you need:

Per month:

Per year:

$ 6,108

$ 73,300

Annual expected return of funds in the bank:

Amount needed in the bank to generate
your annual financial security figure:

$ 1,466,000

Your desired income p.a.:

Time frame to achieve this (years):

PROPERTY DETAILS

Estimated property
purchase price:

LVR (%):

Exp. capital growth (%) p.a.:

Selling costs (%):

Expected return
on savings(%) p.a.:

Inflation (%):

Tax Rate (%)

YOU NEED TO PURCHASE APPROX. 5 PROPERTIES
TO REACH YOUR GOAL*

YOUR PASSIVE INCOME GOAL

TO ACHIEVE A PRE-TAX INCOME
OF $ 72,700 IN
TODAY'S DOLLARS

THIS MEANS HAVING
$ 1,861,200 IN YOUR BANK
ACCOUNT WITH EXPECTED
RETURN OF 5.0% p.a.

TODAY

FUTURE

BANK

IS EQUIVALENT TO HAVING AN
INCOME OF $ 93,062 IN 10 YEARS

YOUR FUTURE PLAN

A PORTFOLIO OF $ 4,194,500
IN 10 YEARS TIME

WILL ALLOW YOU TO ACHIEVE
$ 1,861,200 IN YOUR
BANK ACCOUNT.

FUTURE

WHEN ALL PROPERTIES ARE SOLD WITH
SELLING COSTS OF 2.5% AND ALL LOANS
ARE REPAID (CAPITAL GAINS TAX CHARGED
AT YOUR MARGINAL TAX RATE OF 30.0%)

YOUR ACTION PLAN

TO ACHIEVE YOUR GOAL
YOUR CURRENT PORTFOLIO
NEEDS TO BE $ 2,132,300

VALUED ON AVERAGE
$ 450,000 EACH

THIS MEANS PURCHASING
5 PROPERTIES

TODAY

*Disclaimer: This calculator is for demonstration purposes only. Please consult your accountant
or financial planner to discuss your specific circumstances. NB all pretax dollars.
© 2015 Investors Choice Mortgages