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CONTENTS I -C#!24(9 '2/50 #%,%"2!4).' ! $%#!$% /& '2/74( I /52 -)33)/. !.$ 6)3)/. I 4(% #(!,,%.'% 7% 3/,6% I 4(% -C#!24(9 7!9 I 4(% 0/7%2 /& 02/0%249 I 4(% )--54!",% 25,%3 /& 02/0%249 I /52 02/*%#43 I /52 #,)%.43 I /52 0%/0,% I /52 #/-0!.)%3 s +/!,! ",5% 2%!, %34!4% s -C#!24(9 '2/50 &).!.#)!, I 9/52 &5452% PAGE ONE
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-C#!24(9 '2/50 #%,%"2!4).' ! $%#!$% /& '2/74( &OUNDED IN AS A MORTGAGE lNANCE COMPANY -C#ARTHY 'ROUP HAS GROWN INTO A STRONG AND TRUSTED GROUP OF COMPANIES THAT COVERS THE FULL SPECTRUM OF INVESTMENT PROPERTY 7E REPRESENT AN INVESTMENT CONCEPT WHOSE TIME HAS COME !T OUR CORE IS THE DESIRE TO HELP FAMILIES UNDERSTAND AND BENElT FROM THE UNIQUE !USTRALIAN INVESTMENT PROPERTY CONCEPT AS THE ROUTE TO ACHIEVING THEIR lNANCIAL GOALS /UR CLIENTS HAVE DESCRIBED THE RESULTS OF WORKING WITH -C#ARTHY 'ROUP AS LITERALLY @LIFE CHANGING AND REPEAT INVESTMENTS AND REFERRALS NOW FORM A LARGE PART OF OUR BUSINESS 7E ARE PROUD OF THE RESULTS OUR CLIENTS HAVE ACHIEVED AND WE ARE CONVINCED OF THE SOUNDNESS OF THE STRATEGY THEY PURSUE 4HEIR GOALS INCLUDE PAYING OFF THE HOME MORTGAGE TAX REDUCTION PRIVATE AND TERTIARY EDUCATION FOR THEIR CHILDREN AND ACHIEVING lNANCIAL FREEDOM AND INDEPENDENCE IN THEIR RETIREMENT YEARS
7HAT THEY SHARE IS A STRATEGY THAT USES THE POWER OF INVESTMENT PROPERTY TO GENERATE THE lNANCIAL RETURNS NEEDED TO ACHIEVE THEIR LIFE GOALS )T S A WELL PROVEN STRATEGY THAT HAS STOOD THE TEST OF TIME AND THAT HAS PERFORMED STRONGLY EVEN WHEN SHARE PORTFOLIOS AND SUPERANNUATION RETURNS HAVE COLLAPSED !S WE CELEBRATE OUR lRST DECADE OF GROWTH OUR FOUNDING CLIENTS WILL HAVE DOUBLED OR TRIPLED THE VALUE OF THEIR INITIAL INVESTMENTS 4HEY ARE GREATLY EMPOWERED AND WELL ON THE WAY TOWARDS ACHIEVING THEIR GOALS 4HEY HAVE TAKEN RESPONSIBILITY FOR THEIR MONEY AND THEIR INVESTMENTS AND HAVE EXPERIENCED TREMENDOUS PERSONAL AND lNANCIAL GROWTH AS A RESULT 4O ALL OUR CLIENTS WHO HAVE MADE OUR YEAR MILESTONE POSSIBLE WE SAY A SINCERE @4HANK YOU 4O THOSE WHO ARE YET TO TAKE THE lRST STEP WE HOPE THIS CELEBRATORY BROCHURE WILL GIVE YOU THE COURAGE AND CONlDENCE TO FOLLOW IN THE FOOTSTEPS OF THOSE WHO HAVE GONE BEFORE 3TEPHEN -C#ARTHY CEO
0!'% 4(2%%
!LL THE TEAMS AT -C#ARTHY 'ROUP WERE PROFESSIONAL AND COURTEOUS ) FEEL THE -C#ARTHY 'ROUP ARE LIKE @&!-),9 WE ALL LOOK AFTER EACH OTHER AND ) lND THAT VERY COMFORTING Kim Strachan
0!'% &/52
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/52 6)3)/. !.$ -)33)/. /UR MISSION IS TO RELEASE YOU FROM THE BURDEN OF INTEREST AND TAX AND TO PROVIDE YOU WITH BETTER CONTROL OF YOUR lNANCES 7E BELIEVE THAT IT IS NOT THE MONEY YOU EARN THAT WILL LEAD YOU DOWN THE ROAD TO lNANCIAL INDEPENDENCE IT S THE WAY YOU USE IT THAT MAKES THE DIFFERENCE
TO EVERYDAY WORKING !USTRALIANS 7E PROVIDE A SAFE END TO END SOLUTION AND TAKE THE HASSLE OUT OF WHAT CAN BE A FRUSTRATING AND TIME CONSUMING PROCESS -ANY OF OUR CLIENTS SIMPLY REFER TO US AS A @ONE STOP SHOP
7E EXIST TO HELP FAMILIES DISCOVER THE POWER OF INVESTMENT PROPERTY AS THE ROUTE TO ACHIEVING THEIR FUTURE lNANCIAL GOALS ,EVERAGE AND TAX SAVINGS ENABLE INVESTMENTS IN PROPERTY THAT COMPOUND AND GROW IN VALUE OVER TIME
7E OWE A GREAT DEAL TO THE LATE &RANK &LOWERS A BUILDER AND VERY SUCCESSFUL PROPERTY INVESTOR WHO TAUGHT US THESE PRINCIPLES AND LEFT US WITH THE RESPONSIBILITY TO PASS THEM ON TO AS MANY PEOPLE AS WE CAN 4HAT IS WHAT DRIVES US AND WHY WE CELEBRATE EVERY NEW FAMILY THAT DISCOVERS THE POWER OF INVESTMENT PROPERTY AS THE ROUTE TO ACHIEVING THEIR LIFE GOALS
/UR GOAL IS TO SIMPLIFY THE INVESTMENT PROPERTY PROCESS AND MAKE IT UNDERSTANDABLE AND ACCESSIBLE
-C#ARTHY 'ROUP "UILDING &AMILY !SSETS
/UR MISSION IS TO RELEASE YOU FROM THE BURDEN OF INTEREST AND TAX AND TO PROVIDE YOU WITH BETTER CONTROL OF YOUR lNANCES Stephen McCarthy
0!'% &)6%
4HANKS -C#ARTHY 'ROUP FOR HELPING US THROUGH A BIG AND SOMEWHAT SCARY DECISION TO START OUR INVESTMENT PORTFOLIO 7E ARE SO GLAD WE WENT WITH A TEAM WHO ARE FRIENDLY AND KNOW EXACTLY WHAT THEY ARE DOING AND MADE US FEEL AT EASE THROUGH IT ALL Andrew and Ciara Beard
PAGE SIX ONE
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4(% #(!,,%.'% 7% 3/,6% /VER OF ALL !USTRALIANS RETIRE IN lNANCIAL CIRCUMSTANCES THAT ARE VERY DIFFERENT FROM WHAT THEY EXPECTED AFTER A LIFETIME OF HARD WORK -ANY OTHERS ARE SIMPLY UNABLE TO ACCUMULATE THE MONEY NEEDED FOR MILESTONES ALONG THE WAY SUCH AS PAYING OFF THE MORTGAGE OR INVESTING IN THEIR CHILDREN S EDUCATION /NCE WORK STOPS SO TOO DOES THE INCOME AND THE MAJORITY OF RETIREES LIVE OUT THEIR DAYS ON THE AGE PENSION OR EQUIVALENT 4HEY RESIGN THEMSELVES TO LIVING ON 3TRUGGLE 3TREET AND REGRET NOT MAKING PROVISION FOR THE FUTURE IN THE YEARS WHEN THERE WAS TIME TO DO SOMETHING ABOUT IT 7ITH THE ABUNDANCE OF lNANCIAL ADVICE AVAILABLE WITH LOW UNEMPLOYMENT AND WITH COMPULSORY SUPERANNUATION WHY CAN T FAMILIES ACCUMULATE THE MONEY THEY NEED
). /52 %80%2)%.#%
s 3UPERANNUATION AND OR THE AGE PENSION WILL NEVER BE ENOUGH s 4HE IMPORTANCE OF INVESTING TIME IN FUTURE PLANNING COMES SECOND TO THE MORE URGENT NEEDS OF DAY TO DAY LIVING s 0EOPLE SUBSCRIBE TO FAULTY THINKING AND UNHELPFUL MYTHS ABOUT MONEY AND WHAT THEY DESERVE s -ANY PEOPLE @DELEGATE THEIR AFFAIRS TO lNANCIAL PLANNERS IN EXCHANGE FOR HIGH FEES AND POOR RESULTS s /THERS SIMPLY LEAVE THINGS TO LOOK AFTER THEMSELVES
PAGE ONE 0!'% 3%6%.
(OWEVER ONE THING IS CERTAIN BY THE TIME THE PROBLEM IS REVEALED IT S OFTEN TOO LATE TO DO ANYTHING ABOUT IT
0!'% %)'(4 PAGE ONE
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4(% -C#!24(9 7!9 !CHIEVING FUTURE lNANCIAL INDEPENDENCE IS A COMMON GOAL AMONGST OUR CLIENTS AND -C#ARTHY 'ROUP USES A LOGICAL AND STRUCTURED PROCESS TO WORK OUT s (OW MUCH YOU LL NEED AS A LUMP SUM TO SUPPORT YOUR DESIRED LIFESTYLE IN THE YEARS AFTER WORK STOPS s (OW MUCH YOU ARE LIKELY TO HAVE BASED ON YOUR CURRENT SITUATION AND THE YEARS LEFT TO WORK s 4HE GAP BETWEEN YOUR FUTURE FUNDING NEEDS AND PROJECTIONS BASED ON YOUR CURRENT SITUATION "ASED ON THE lNANCIAL INFORMATION GATHERED IN OUR ,IFESTYLE 0LANNING WORKBOOK ONE OF OUR #HARTERED !CCOUNTANTS THEN DEVELOPS A TAILORED 0ERSONAL )NVESTMENT 0LAN AS A SOLUTION
PAGE NINE
4HE PLAN HAS CLEAR lNANCIAL GOALS 4HE CORNERSTONE OF THE STRATEGY IS AN AFFORDABLE INVESTMENT PROPERTY THAT TYPICALLY USES EXISTING EQUITY IN THE FAMILY HOME AS A DEPOSIT 7HAT MAKES THIS EASIER IS THAT THE BALANCE IS FUNDED BY A NEW MORTGAGE 2EPAYMENTS ARE FUNDED PRIMARILY IF NOT COMPLETELY BY RENTAL INCOME FROM TENANTS AND TAX CONCESSIONS FROM THE GOVERNMENT 4HE POWER OF THE STRATEGY UNFOLDS OVER TIME AS RENTAL INCOME INCREASES AND THE CAPITAL VALUE OF THE PROPERTY APPRECIATES 4HE SOLUTION COULD SPELL THE DIFFERENCE BETWEEN RETIREMENT HARDSHIP AND THE QUALITY OF LIFE YOU HAVE ALWAYS HOPED FOR 4HE ONLY REQUIREMENT IS THAT YOU INVEST SOME TIME UP FRONT IDENTIFYING THE EXTENT OF THE FUTURE CHALLENGE AND THEN HAVE THE COURAGE TO ACT ON IT
-ANY !USTRALIAN FAMILIES THINK INVESTMENT PROPERTY IS SIMPLY @TOO HARD AND MISS OUT ON THE REMARKABLE LONG TERM RETURNS IT OFFERS )T IS CERTAINLY A COMPLEX BUSINESS BUT NOT FOR OUR CLIENTS 7E MAKE IT AN ABSOLUTE PRIORITY TO KEEP THE PROCESS SIMPLE AND ENSURE THAT EVERYTHING IS MADE AS EASY AS POSSIBLE FOR YOU 7E GUIDE AND ASSIST YOU AT EVERY TURN FROM THE INITIAL PROPERTY AND LOAN APPLICATIONS THROUGH THE LEGAL TRANSFERS THE BUILDING PROCESS IF APPLICABLE ALL THE WAY THROUGH TO THE MANAGEMENT OF YOUR NEW INVESTMENT -C#ARTHY 'ROUP IS LITERALLY A ONE STOP SOLUTION SO YOU GET TO ENJOY ALL THE BENElTS OF INVESTMENT PROPERTY WHILE AVOIDING ALMOST ALL OF THE HASSLE
/VERALL EVERYTHING WAS &!.4!34)# %VERYBODY WAS VERY HELPFUL AND FRIENDLY )T SURE MADE IT EASY FOR US TO GO THROUGH WITH THIS INVESTMENT 4HANKS AGAIN FOR EVERYTHING YOU DID FOR US TO MAKE ONE OF OUR DREAMS COME TRUE Colin and Jo Westwood
PAGE PAGEONE TEN
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4(% 0/7%2 /& 02/0%249 )T S BEEN SAID THAT OUT OF EVERY MILLIONAIRES MADE THEIR MONEY IN REAL ESTATE )N ADDITION TO THE FAMILY HOME THEY INVEST IN PROPERTY AND USE THE INCOME IT GENERATES TO BUY MORE AGAIN !S TIME PASSES EACH PROPERTY BECOMES MORE AND MORE VALUABLE INCREASING THE OWNERS WEALTH EVEN WHILE THEY SLEEP 0ROPERTY OWNERSHIP HAS ALWAYS SEPARATED THE @HAVES FROM THE @HAVE NOTS 0ROPERTY IS SCARCE lNITE AND MUCH SOUGHT AFTER &OR GENERATIONS PEOPLE HAVE FOUGHT WARS OVER IT )T IS DIFlCULT TO ACQUIRE GIVEN ITS HIGH COST 7HICH IS WHY SO MANY PEOPLE ARE UNABLE TO PURCHASE PROPERTY n THEY ARE SIMPLY LOCKED OUT BECAUSE THEY ARE UNABLE TO SAVE THE DEPOSIT OR THINK THEY CANNOT MAKE THE REPAYMENTS 7HILE NO ONE CAN PREDICT THE FUTURE HISTORY HAS SHOWN THAT DESPITE TWO 7ORLD 7ARS THE 'REAT $EPRESSION WARS IN 6IETNAM +OREA THE -IDDLE %AST AND )RAQ THE EMERGING MARKETS CRISIS 9 + 3!23 AND THE 'LOBAL &INANCIAL #RISIS PROPERTY HAS STOOD THE TEST OF TIME 4HIS IS WHY INVESTMENT IN PROPERTY IS THE KEY TO A LONG TERM STRATEGY TO GROW YOUR WEALTH &OR EXAMPLE IF YOU WANTED TO ACCUMULATE A LUMP SUM OF IN YEARS TIME COULD YOU SAVE YOUR WAY TO THIS GOAL 9OU WOULD NEED TO SAVE OVER FROM YOUR SALARY AFTER TAX EVERY YEAR FOR YEARS #OULD YOU DO THIS !LTERNATIVELY YOU COULD BUY AN INVESTMENT PROPERTY FOR RENT IT OUT TO COVER A PORTION OF THE MORTGAGE AND THEN SELL IT AFTER YEARS FOR MILLION /NCE YOU VE REPAID THE MORTGAGE AND PAID #APITAL 'AINS 4AX YOU VE ACHIEVED YOUR TARGET OF
0!'% %,%6%.
*Assumes !" #$%&'()"&*"+,--.--!" /&0)121$"&*"+3--.--!" /&0)121$"4&')'"4&5$0$6" 78"0$9)2:"(94&;$"296" 1&5$09;$9)")2<"4&94$''(&9' !" =0&%$0)8"10&>)?"&*"@A"%2 !" BCD"&*"+,@-.---"
4O CONTINUE THE EXAMPLE IF YOU HAD OVER YEARS REMAINING IN THE WORKFORCE YOU COULD ENJOY THE GROWTH OF TWO PROPERTY CYCLES AND END UP WITH AN ASSET VALUED AT ALMOST !ND THAT S JUST ONE PROPERTY )T S NO WONDER THAT MILLIONAIRES MAKE THEIR FORTUNES THIS WAY !T WORK ARE TWO POWERFUL PRINCIPLES 4(% 0/7%2 /& ,%6%2!'%
h'IVE ME A LEVER LONG ENOUGH AND A FULCRUM ON WHICH TO PLACE IT AND ) SHALL MOVE THE WORLD v Archimedes ,EVERAGE IS A MECHANICAL CONCEPT THAT HAS BEEN SUCCESSFULLY TRANSFERRED TO lNANCE ,EVERAGE MEANS ACHIEVING MORE WITH LESS WORK
")' 2%35,4
,EVERAGE CAN SIMILARLY BE APPLIED TO ACCELERATE OUR lNANCIAL GOALS !T ITS CORE lNANCIAL LEVERAGE MEANS USING A SMALL AMOUNT OF OUR OWN MONEY AND A MUCH LARGER AMOUNT OF OTHER PEOPLE S MONEY AND THEN INVESTING IT TO INCREASE OUR WEALTH AND ASSETS OVER TIME "ANKS ARE PREPARED TO LOAN THE MAJORITY OF THE PURCHASE PRICE OF A PROPERTY BECAUSE OF THE CONlDENCE THEY HAVE IN ITS LONG TERM SECURITY 4HIS ENABLES YOU TO GET THE LEVERAGE YOU NEED TO ACCELERATE THE GROWTH RATE OF YOUR INVESTMENT AND INCREASE YOUR RETURNS )N THE CASE OF INVESTMENT PROPERTY A TO DEPOSIT AND A MORTGAGE FOR THE BALANCE GIVES YOU OWNERSHIP AND EFFECTIVE CONTROL OF A VALUABLE GROWTH ASSET
+'
3-!,, %&&/24 +'
0!'% 47%,6%
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4(% 0/7%2 /& 02/0%249 #ONT D
4O ILLUSTRATE ITS POWER )NVESTOR " OPENS AN INVESTMENT SAVINGS ACCOUNT AT AGE &OR SEVEN CONSECUTIVE YEARS HE INVESTS AT AN AVERAGE GROWTH RATE OF AND THEN MAKES NO MORE PAYMENTS
Contribution
9EAR %ND 6ALUE
19
500,000
450,000
400,000
350,000
250,000
200,000
150,000
0 Year
#!0)4!, #)49 (/53% 02)#% ).#2%!3%3
2003
2001
1999
1997
1995
1993
50,000 1991
1989
1987
1985
1983
100,000
Source: Australian Bureau of Statistics
0!'% 4()24%%.
9EAR %ND 6ALUE
1981
4HE RESULTS ARE ASTOUNDING DESPITE ONLY MAKING PAYMENTS BY MAKING THEM EARLIER )NVESTOR " ENDS UP MAKING -/2% MONEY THAN )NVESTOR ! WHO STARTED LATER BUT WHO MADE CONTRIBUTIONS OF EACH
INVESTOR B
Contribution
300,000
House Value
)NVESTOR ! MAKES NO CONTRIBUTION UNTIL AGE WHICH IS THE AGE )NVESTOR " IS WHEN HE MAKES HIS LAST INVESTMENT )NVESTOR ! THEN CONTRIBUTES A YEAR EVERY YEAR UNTIL HE IS ALSO AT AN AVERAGE GROWTH RATE OF
INVESTOR A Age
ANNUAL MEDIAN HOUSE PRICES ($)
1979
4HE WORD @COMPOUND IS USED TO DESCRIBE THE PROCESS WHEREBY INTEREST IS EARNED ON THE OUTSTANDING CAPITAL AMOUNT AS WELL AS ON THE PREVIOUS INTEREST THAT HAS BEEN EARNED )N OTHER WORDS YOU EARN INTEREST ON INTEREST )T IS THE ROAD TO LONG TERM RICHES 4O ACCESS ITS POWER YOU NEED TO BE PREPARED TO MAKE SOME SACRIlCE TO INVEST AND THEN HAVE ENOUGH TIME FOR THE MIRACLE OF COMPOUNDING TO DO ITS WORK
)N SUMMARY LEVERAGE ENABLES YOU TO INVEST ONLY TO OF THE CAPITAL YET KEEP OF THE GROWTH #OMPOUNDING SHOWS THE REMARKABLE TIME VALUE OF MONEY AND IS THE REASON WHY INVESTING IN A GROWTH ASSET IS A DECISION NOT TO BE DELAYED
1977
%INSTEIN ALSO REFERRED TO COMPOUND INTEREST AS THE TH 7ONDER OF THE 7ORLD
1975
Albert Einstein
)N THE CASE OF INVESTMENT PROPERTY THE LONG TERM TRENDS SHOW PROPERTY DOUBLING IN VALUE EVERY TO YEARS 4HIS MEANS THAT THE GROWTH IS COMPOUNDING AS PER THE EXAMPLE ABOVE
1973
h4HE MOST POWERFUL FORCE IN THE UNIVERSE IS COMPOUND INTEREST v
)T SEEMS UNBELIEVABLE SO CHECK THE TABLE ALONGSIDE FOR THE EVIDENCE 4HIS IS THE ULTIMATE PROOF OF THE SAYING h4IME IS MONEY v
1971
#/-0/5.$ '2/74(
Sydney Melbourne Brisbane
,ESS 4OTAL )NVESTED
(80.000)
(14,000)
%QUALS .ET %ARNINGS
893,704
930,641
-ONEY 'REW
11-fold
66-fold
Source: Market Logic, Fort Lauderdale.
4(% )--54!",% 25,%3 /& 02/0%249 4HE SECRET TO OUR SUCCESS IS A PROVEN FORMULA THAT FOLLOWS KEY CRITERIA FOR INVESTMENT LOCATIONS AND OWNERSHIP 7E INVEST CONSIDERABLE RESOURCES IN IDENTIFYING THE BEST POSSIBLE AREAS AND WE ONLY RECOMMEND INVESTMENT PROPERTIES THAT ARE s 3ITUATED IN GROWTH LOCATIONS WITH A STRONG ECONOMIC BASE s #HARACTERISED BY GROWTH IN ECONOMIC ACTIVITY LEADING TO DEMAND FOR SKILLS PEOPLE AND ACCOMMODATION s !FFORDABLE TO THE MAINSTREAM RENTAL MARKET s !FFORDABLE TO THE OWNER s !TTRACTIVE TO TENANTS INCLUDING PREMIUM QUALITY FEATURES s .EWLY CONSTRUCTED WITH THE ADDED APPEAL OF BEING MODERN AND FRESH s 3ITUATED WITHIN PROPERTY DEVELOPMENTS THAT ARE GENERALLY LIMITED IN SCALE 4HE SECOND SET OF RULES RELATES TO ACHIEVING BEST PRACTICE IN TERMS OF s 0LACING THE PROPERTY IN THE MOST EFFECTIVE OWNERSHIP STRUCTURE s /PTIMISING THE TAX DEDUCTIONS AVAILABLE TO THE INVESTOR s 5SING THE POWER OF LEVERAGE TO INCREASE RETURNS s 5SING A DIFFERENT BANK FOR EACH NEW INVESTMENT LOAN s -AKING USE OF PROFESSIONAL PROPERTY MANAGEMENT
7E MAKE IT OUR BUSINESS TO FOLLOW THESE RULES SO YOU CAN MAXIMISE YOUR RETURNS MINIMISE ANY RISKS AND ENJOY THE BENElTS OF A STRATEGY THAT IS BASED ON PROVEN FACTS AND A DECADE OF OUTSTANDING RESULTS 4HE DEMAND FOR RENTAL ACCOMMODATION SEEMS CERTAIN TO INCREASE WHICH WOULD SERVE TO SUPPORT RENT AND PROPERTY PRICE GROWTH 4HIS IS DUE TO s !N EXISTING NATIONAL BACKLOG OF HOMES s ! CONTINUED UNDERSUPPLY OF A FURTHER HOMES PER ANNUM s #ONTINUED STRONG GROWTH IN IMMIGRATION s !N INCREASE IN LOCAL POPULATION GROWTH s !N INCREASE IN THE NUMBER OF SINGLE PERSON HOUSEHOLDS 'ENEROUS TAX INCENTIVES FROM THE FEDERAL GOVERNMENT MAKE INVESTMENT PROPERTY ADDITIONALLY ATTRACTIVE AND AFFORDABLE TO INVESTORS 4HERE ARE OTHER INVESTMENT OPTIONS n THE SHARE MARKET BEING ONE (OWEVER THE IMPACT OF THE GLOBAL lNANCIAL CRISIS HAS SERVED TO DECIMATE THE VALUE OF SUPERANNUATION AND SHARE PORTFOLIOS AND MANY INVESTORS HAVE BEEN BADLY AFFECTED )N CONTRAST !USTRALIAN PROPERTY HAS MAINTAINED ITS VALUE OVER TIME 0ERHAPS THE MOST CONVINCING ANSWER TO THE QUESTION @7HY PROPERTY IS ONE YOU CAN PROVIDE YOURSELF h)F YOU COULD HAVE BOUGHT MORE PROPERTIES WHEN YOU BOUGHT THE FAMILY HOME HOW MANY MORE WOULD YOU HAVE BOUGHT AT THAT PRICE v
0!'% &/524%%. PAGE ONE
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/52 02/*%#43 4O SUCCEED IN INVESTMENT PROPERTY YOU HAVE TO BE IN THE RIGHT PLACE AT THE RIGHT TIME -C#ARTHY 'ROUP HAS TURNED THIS REQUIREMENT INTO A SCIENCE 7E HAVE A YEAR HISTORY OF CONSISTENTLY PICKING WINNERS ENABLING OUR CLIENTS TO BUY INTO AREAS WELL AHEAD OF THEIR DISCOVERY AS EMERGING @HOTSPOTS )NVESTING IN AREAS THAT ARE PRIMED FOR STRONG GROWTH ENABLES YOU TO ENJOY STEADY INCREASES IN CAPITAL VALUES AND RENTALS OVER TIME 9OU HAVE TO INVEST WITH YOUR HEAD AND NOT YOUR HEART AND ENSURE THAT THE LOCATION WILL ENJOY STRONG ECONOMIC ACTIVITY AND POPULATION GROWTH /UR lRST PROJECTS WERE IN 3YDNEY !S PRICES ROSE WE LOOKED FURTHER AlELD AND IN EARLY WE ENTERED .OOSA /UR CLIENTS WHO INVESTED IN .OOSA HAVE SEEN PHENOMENAL CAPITAL GROWTH 4HIS SHOWED THE POTENTIAL FOR SUPERIOR RENTAL YIELDS AND PROPERTY VALUES IN CITIES BLESSED WITH STRONG ECONOMIC ACTIVITY AFFORDABLE PRICES AND A STRONG LIFESTYLE APPEAL 7E DEVELOPED THE TAGLINE h*UST !DD 7ATERv IN RECOGNITION OF THE GROWTH IN DEMAND AND PRICES THAT ACCOMPANIED THE DESIRE OF !USTRALIAN FAMILIES TO LIVE WITHIN STRIKING DISTANCE OF THE BEACH OR RIVERS
PAGE FIFTEEN
/UR TRACK RECORD OF SUCCESS INCLUDES TAKING ADVANTAGE OF GROWTH PROSPECTS IN
s 3YDNEY s .OOSA s 'OLD #OAST s 0ERTH s "RISBANE s $ARWIN s 4OWNSVILLE s #AIRNS s -ACKAY s -ELBOURNE s 3YDNEY 7HILE YOU MAY BE ABLE TO ACHIEVE THE SAME RESULTS FOR YOURSELF IT TAKES MANY YEARS OF EXPERIENCE DETAILED ONGOING RESEARCH AND THE RESOURCES TO TAKE ADVANTAGE OF GROWTH AREAS WHERE AND WHEN THEY PRESENT THEMSELVES 7E DO THIS ALL FOR YOU ENSURING YOU ENJOY THE REWARDS THAT COME WITH INVESTING IN LOCATIONS THAT ARE PRIMED FOR FUTURE GROWTH
) HAVE BEEN SO IMPRESSED THAT ) HAVE ALREADY REFERRED -C#ARTHY 'ROUP ) HAVE BEEN EXTREMELY SATISlED WITH THE ENTIRE PROCESS AND PROFESSIONAL YET FRIENDLY SERVICE ) CAN T EXTOL YOUR VIRTUES ENOUGH 4HANK YOU Jeff Turner
PAGE PAGE SIXTEEN ONE
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/52 #,)%.43 /UR CLIENTS COME FROM TYPICAL HARD WORKING !USTRALIAN FAMILIES WITH CAREERS AS DIVERSE AS TEACHERS TRUCK DRIVERS POLICE OFlCERS OFlCE WORKERS AND RETAIL STAFF 4HE VAST MAJORITY OF OUR CLIENTS HAD NEVER CONSIDERED THE FUTURE CHALLENGE THAT WOULD CONFRONT THEM NOR THE POSSIBILITY OF ONE DAY OWNING AN INVESTMENT PROPERTY AS THE SOLUTION )T S NOT SURPRISING THEREFORE THAT SO MANY OF OUR CLIENTS DESCRIBE THEIR INVESTMENT DECISIONS WITH US AS hLIFE CHANGINGv IN TERMS OF THEIR IMPACT 7E EXIST TO HELP OUR CLIENTS DISCOVER HOW INVESTMENT PROPERTY CAN ENABLE THEM TO ACHIEVE lNANCIAL mEXIBILITY AND INDEPENDENCE 4HERE IS HUGE SATISFACTION IN HELPING OTHERS TO DISCOVER THIS SECRET FOR THEMSELVES AND WE THRIVE ON CASE STUDIES AND TESTIMONIALS OF CLIENT SUCCESS /UR MANTRA IS h"UILDING &AMILY !SSETS v /NCE CLIENTS HAVE BOUGHT AN INVESTMENT PROPERTY THEY CAN USE ITS GROWTH IN VALUE TO FUND A SECOND PROPERTY 4HEY CAN THEN REPEAT THE PROCESS MANY TIMES OVER 3OME OF OUR CLIENTS HAVE MADE INVESTMENTS WITH THEIR CHILDREN IN MIND
0!'% 3%6%.4%%.
&OR EXAMPLE IF THEY HAVE CHILDREN THEIR GOAL IS TO ACQUIRE THE SAME NUMBER OF PROPERTIES 7E NOW HAVE FAMILIES WHERE THE CHILDREN HAVE BECOME INVESTORS IN THEIR OWN RIGHT /NE THING ALL OUR CLIENTS HAVE HAD TO OVERCOME IS THE DEEP SEATED FEAR THAT COMES WITH MAKING AN INVESTMENT DECISION 4HE FEAR OF GIVING IT A GO AND OF MAKING A MISTAKE 4HE FEAR OF MAKING A COMMITMENT AND TAKING ON lNANCIAL RESPONSIBILITY -ANY PEOPLE SIMPLY CAN T MAKE THIS LEAP OF FAITH EVEN THOUGH THIS IS EASIER THAN THEY THOUGHT IT WOULD BE &OR THOSE WHO ARE ABLE TO LET GO OF THE FEAR OF THE UNKNOWN THE SENSE OF PERSONAL ACHIEVEMENT AND GROWTH IS ENORMOUS 4HEY MOVE FROM HAVING A FUTURE CHALLENGE TO BECOMING A LANDLORD AS THE SOLUTION AND TO lNALLY ACHIEVING THEIR GOAL OF lNANCIAL FREEDOM AND INDEPENDENCE )N THE WORDS OF OUR CLIENTS h)T S A LIFE CHANGING EXPERIENCE v 7E SALUTE AND RESPECT THEM FOR THEIR COURAGE
/52 0%/0,% -C#ARTHY 'ROUP HAS A CLOSE KNIT TEAM OF DEDICATED AND LOYAL STAFF 7E MAKE IT OUR MISSION TO STAY CLOSE TO OUR CLIENTS AND TO UNDERSTAND THEIR NEEDS /UR #LIENT 3ERVICES TEAM PROVIDES ANSWERS AND CONSTANT SUPPORT WHILE OUR lNANCIAL AND ADMINISTRATION STAFF TURN WHAT CAN BE A COMPLEX mOW OF PAPERWORK INTO A WELL ORGANISED AND SIMPLE PROCESS OF YOU APPROVING IT AND OUR TEAM DOING THE REST
-ANY OF OUR TEAM HAVE DISCOVERED THE POWER OF INVESTMENT PROPERTY FOR THEMSELVES 4HEY LITERALLY @WALK THE TALK AND BELIEVE IN THE PRODUCT AND SERVICE THEY PROVIDE 4HEY HAVE EMPATHY WITH OUR CLIENTS AND UNDERSTAND THEIR FEARS AND THEIR CHALLENGES AND TAKE GREAT DELIGHT AS EACH NEW FAMILY COMES ON BOARD
0!'% %)'(4%%.
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/52 #/-0!.)%3 +/!,! ",5% 2%!, %34!4% 0ROFESSIONAL PROPERTY MANAGEMENT IS A KEY ELEMENT IN THE INVESTMENT PROPERTY MIX +OALA "LUE 2EAL %STATE MANAGES OUR CLIENTS PROPERTIES WITH A VIEW TO ACHIEVING MAXIMUM RENTAL YIELDS AND A NO FUSS EXPERIENCE 4HE TEAM BRINGS MANY YEARS OF EXPERIENCE TO THE MANAGEMENT OF CLIENT INVESTMENTS 7ITH OFlCES IN 3YDNEY -ELBOURNE 4OWNSVILLE AND #AIRNS WE HAVE EXCELLENT EXPOSURE TO SOME OF THE MOST DYNAMIC PROPERTY MARKETS IN THE COUNTRY /UR EXTENSIVE KNOWLEDGE OF LOCAL MARKET CONDITIONS COMBINED WITH YEARS OF EXPERIENCE ENSURES OUR CLIENTS RECEIVE THE BEST POSSIBLE RETURNS ON THEIR INVESTMENTS 7E CAREFULLY SELECT SUITABLE TENANTS AND ENSURE THEY FULlL THEIR ONGOING RESPONSIBILITIES AND OBLIGATIONS AS SET OUT IN THE 2ESIDENTIAL 4ENANCY !GREEMENT
/UR SERVICES INCLUDE s #AREFUL TENANT SELECTION s %NSURING ADHERENCE TO THE 2ESIDENTIAL 4ENANCY !GREEMENT s 2EGULAR PROPERTY INSPECTIONS s 0ROPERTY MAINTENANCE AND REPAIRS s 0EST CONTROL MEASURES s -ONTHLY STATEMENT OF RENTAL INCOME AND AUTHORISED EXPENDITURE s /NGOING PROACTIVE COMMUNICATION +OALA "LUE S MANTRA IS h$OING IT ALL FOR YOU 7E PRIDE OURSELVES ON PROVIDING A TRULY @HANDS FREE SOLUTION WHERE WE MANAGE EVERY ASPECT OF THE PROPERTY AND TENANCY AND LEAVE OUR LANDLORDS WITH THE PEACE OF MIND AND FREEDOM TO ENJOY THE FRUITS OF THEIR INVESTMENT +OALA "LUE $OING IT ALL FOR YOU -C#!24(9 '2/50 &).!.#)!, &INANCE AND LEVERAGE ARE KEY DRIVERS OF INVESTMENT PROPERTY -C#ARTHY 'ROUP &INANCIAL IS A COMPANY DEDICATED TO MEETING OUR CLIENTS lNANCE RELATED NEEDS /UTRIGHT OWNERSHIP OF THE INVESTMENT PROPERTY IS ESSENTIAL AND WE HAVE THE EXPERIENCE TO ASSIST IN ESTABLISHING THE BEST STRUCTURES TO MAXIMISE TAX EFFECTIVENESS AND RETURNS 3OME CLIENTS REGISTER THE PROPERTIES IN THEIR OWN OR THEIR PARTNER S NAMES WHILE OTHERS CHOOSE A TRUST WITH FAMILY MEMBERS AS THE BENElCIARIES
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7E HAVE EXCELLENT RELATIONSHIPS WITH MAJOR LENDERS AND WE lND THE BEST MORTGAGE TERMS AVAILABLE !GREEMENTS WITH LEGAL AND ACCOUNTING PARTNERS ENSURE THAT YOU HAVE THE BEST POSSIBLE ADVICE AT EVERY STAGE AND WE PROVIDE ACCESS TO PERSONAL HOME AND LANDLORD S INSURANCE AS THE PROPERTY NEARS COMPLETION 7E DO EVERYTHING POSSIBLE TO SIMPLIFY AND STREAMLINE THE PAPERWORK FOR MORTGAGE APPLICATIONS AND PROPERTY TRANSFERS ! MAJOR ATTRACTION OF THE INVESTMENT PROPERTY CONCEPT IS ITS TAX EFFECTIVENESS /UR #HARTERED !CCOUNTANTS COMPLETE YOUR TAX RETURNS FOR THE lRST FEW YEARS TO ENSURE THAT THE DEPRECIATION ALLOWANCES TAX DEDUCTIBLE EXPENSES AND INCOME TAX REBATES ARE FULLY UTILISED 3OME OF OUR CLIENTS HAVE ACHIEVED A POSITION WHERE THEY LEGALLY PAY ZERO TAX USING A STRATEGY OF NEGATIVE GEARING AND MULTIPLE PROPERTIES TO DO SO 2ECENT CHANGE IN LEGISLATION AFFECTING SUPERANNUATION HAS OPENED UP NEW OPPORTUNITIES FOR SELF MANAGED SUPER FUNDS 3-3& S TO INVEST IN AND OWN PROPERTY 4HIS LETS YOU HARNESS THE GROWTH POTENTIAL OF PROPERTY AND PUT IT TO WORK FOR YOU WHILE ENJOYING SIGNIlCANT TAX BENElTS AND A HIGH LEVEL OF SECURITY -C#ARTHY 'ROUP &INANCIAL ARE SPECIALISTS IN OBTAINING lNANCE FOR 3-3& S AND PROFESSIONAL PARTNERS WORK CLOSELY WITH US TO ENSURE THE BEST POSSIBLE ADVICE AND STRUCTURES ARE SET UP PRIOR TO ANY INVESTMENT
4HE TREND TOWARDS 3-3& S IS GATHERING MOMENTUM PARTICULARLY AFTER THE POOR RESULTS ACHIEVED THROUGH SHARE BASED INVESTMENTS AND THE LOSS OF CONlDENCE IN lNANCIAL PLANNERS AND THEIR FEE BASED SYSTEM THAT ENSURED THEIR BENElTS mOWED IRRESPECTIVE OF PERFORMANCE
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7E HAVE THE EXPERIENCE AND PARTNERSHIPS NEEDED TO HELP YOU TAKE CONTROL OF YOUR OWN SELF MANAGED SUPER FUND AND ACHIEVE LONG TERM SUCCESS
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9/52 &5452% )F YOU COULD FAST FORWARD YEARS HOW WOULD YOU FEEL AS THE OWNER OF SEVERAL INVESTMENT PROPERTIES 4HE INVESTMENTS WOULD HAVE INCREASED SUBSTANTIALLY IN VALUE THE RENTS mOW INTO YOUR ACCOUNT EVERY MONTH YOU ENJOY MEANINGFUL TAX BENElTS AND YOU ARE CONSIDERING SELLING ONE OF THE PROPERTIES TO FUND YOUR CHILD S EDUCATION 4HE BALANCE WILL BE PUT TOWARDS REDUCING YOUR FAMILY HOME MORTGAGE
7ITH A PROVEN TRACK RECORD BEHIND US AND WITH A WORLD OF OPPORTUNITY IN FRONT -C#ARTHY 'ROUP IS EXCITED ABOUT THE FUTURE 4HE RESULTS OF OUR lRST DECADE OF GROWTH HAVE BEEN RICHLY REWARDING FOR OUR CLIENTS AND HAVE PROVEN OUR CONCEPT AND WE ARE COMMITTED TO HELPING AS MANY PEOPLE AS POSSIBLE DISCOVER THE SECRET OF INVESTMENT PROPERTY FOR THEMSELVES
4O BORROW A PHRASE FROM "ARACK /BAMA h9ES YOU CAN v 4HERE IS A NEW WAVE IN PERSONAL INVESTMENT WHERE EVERYDAY !USTRALIANS ARE RESOLVED TO TAKE HANDS ON CONTROL OF THEIR lNANCES AND TAKE RESPONSIBILITY FOR THE WAY THEIR LIVES WILL UNFOLD 9ES YOU CAN PROVIDE FOR YOUR FUTURE NEEDS 9ES YOU CAN ACHIEVE lNANCIAL FREEDOM AND INDEPENDENCE 9ES YOU CAN BECOME MASTER OF YOUR OWN DESTINY
%VEN THE LONGEST JOURNEY STARTS WITH THE lRST STEP WHICH COULD SIMPLY BE A NO COST OBLIGATION FREE REVIEW OF YOUR PRESENT lNANCIAL POSITION AND FUTURE OUTLOOK
Call us today on (02) 9687 3601 or email us at info@mccarthygroup.com.au to make an appointment. )T COULD BE THE MOST IMPORTANT CALL YOU LL EVER MAKE
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)F EVERYONE OPERATED THEIR BUSINESS THE WAY -C#ARTHY 'ROUP OPERATED MORE PEOPLE WOULD INVEST Shelley Cotter 0!'% 47%.49 47/ PAGE ONE
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