Property Investment Made Easy

The wealth growing path of each person varies. And the 4 key criterion include the followings

1. Investor’s current situation
   • Financial background
   • Stage of their life cycle
   • Occupation
   • Family
   • Level of Experience
   • And sometimes could be more …
2. Investor’s Personality

An investor’s personality is going to affect the wealth creation path and how one’s they allocate their resources – time vs money.

1. Risk Adaptability

Risk Adaptability refers to the level of risk that the investor is ready to take. If you have listened to one of my FAQ series, one of the questions I have addressed is the type of risk one will need to consider when they invest. Here in short, there are market risk, construction risk, political risk and natural disasters etc.

1. Investment Time Frame

There are 3 levels – Short Term, Mid Term and Long Term.

Short Term – 1 to 3 years

Mid Term – 4 – 7 years

Long Terms – 8 – 20 years

Each time frame work for certain people with their unique goals and situation.

Here, there are actually 5 typical wealth growing path. And remember, every person can have multiple paths. It just all comes down to which path is the BEST OPTION at that very moment in your life with your current situation here. To support you understand yourself more, I have prepared a Free Assessment to help you find out which wealth growing path is right for you. Check it out now and enjoy the assessment report and the surprises resources I have tailored for you.

For those who are looking to make the most out of their current property, there are 3 additional strategies to consider

1. Refinancing and relocate additional cash for investment
   • However, there are of course factors you will need to consider
     – If you have the necessary cashflow from rental or other sources to cover the installment during the refinancing period
   • Work out the numbers and see if the capital you get from the refinancing for reinvestment justify the refinancing cost; and if there is any contradiction on repayment timeframe vs your reinvestment period
   • Do the risk analysis on worse case situation
2. Property upgrade
   • It might be a very old property that you have renting out for lower income level tenants to a newly renovated apartment to tenants who are looking for better living standard but comparatively lower market rate then property which are newer but of similar renovation like your new ones
3. If you focus on low tiers rental income group, check if it legal to rent the place to corporate as part of the low tiers staff accommodation (preferably longer rental period) or to a number of students as student accommodation.

For both of these cases, it will require first checking out with lawyer and renovation cost required. So you will want to do your number before you act.

At the moment, I am working on the worksheets and case studies on this, if you want it, join the waitlist here and you will be notified once they are ready.

For those who have yet started or looking for additional opportunity

1. Look for low mortgages rate
2. Look for high financing facilities
3. Look for projects that include your renovation cost as part of the package

And if you would want to know exactly where and how me and my partner did the deals in 2020 and how you can potentially do the same, sign up the webinar here.

That was back in 2011 when I met one of the owners. I met him when I first worked for a fortune 500 company and then I had my own real estate company at that time in my home town Macau

That property was in a super prime location, it was nearby the CBD and touristic areas and was situation right behind the Macau parliament. Therefore it was a super prestige area. Right there, there were, well you might call it 3 very old but very colonial Portuguese style villas attached together, naming them No.1 (on the left, next to the main road) No 3 (the middle one) and No 5 (on the right corner with basically the Macau parliament just a few steps on the right). They all facing the stunning lake view.

I still remember I was appointed by the owner of No 1 to just rent out his property at that time. He had done a special approval to turn the house into commercial purpose as well, therefore the goal was mainly to rent it out as a private office, a bar or a cafe. But the problem was there that there were no easy parking in that area and inside the property there was no lift installed too

And one thing I observed was that House No 5 was very old and torn out. If you almost like a haunted house almost failing down and worse case was that the owner had it rented out as slums for low tiers workers which we highly couldn’t understand why

And honestly because of lack of parking and what the House No 5 owner was doing, it just devalued the original potential and returns of this very trophy project. And I was brutally honest to No 1 owner and he said “well if you could sell it for above 5m USD, I could talk to my father and persuade him to sell it. And No 3 was a friend of mine as well and I am happy to put him in touch with you and see if you can be of help too.”

And there I got to meet the owner of No 3 who based in HK. He was a British and a man with a good taste and standard. I still remembered I was talking to him and he was telling me that he literately went to source in London the type of wood which were used to build the window frame for that house and together with redoing the concrete etc, that solely cost him more than 250,000 USD. And again at that time he was looking to rent the house to high level executives who came to Macau for work. Honestly the location was stunning, but again no parking and what’s going on in house No.5 for sure it was not going to help and I highly doubt a VP or CEO of any company would love to live next to the workers.

To me, these two gentlemen really have put a lot to turn the properties into real trophy and I felt bad for them because of how house no 5 impacting their two houses and the rentability.

And on that I have made a suggestion to him as well to resell. I was at that time very clear on two things to them, even if they were lucky to get tenants, the yield will be utterly low and in Macao it was hard to find someone just buy off from them even on the price that want and keep them longer might not do them any good.

I pulled the trigger to act against the original will of the two clients. That’s probably how my investment coaching journey has started before I even realised it myself – Understand the clients, and help them identity among their wish, they wants and their needs and coaching them to do the reality check and support them with the solution that ultimately benefits them and grow their wealth.

For those who are looking to make the most out of their current property, there are 3 additional strategies to consider

1. Refinancing and relocate additional cash for investment
   • However, there are of course factors you will need to consider
     – If you have the necessary cashflow from rental or other sources to cover the installment during the refinancing period
   • Work out the numbers and see if the capital you get from the refinancing for reinvestment justify the refinancing cost; and if there is any contradiction on repayment timeframe vs your reinvestment period
   • Do the risk analysis on worse case situation
2. Property upgrade
   • It might be a very old property that you have renting out for lower income level tenants to a newly renovated apartment to tenants who are looking for better living standard but comparatively lower market rate then property which are newer but of similar renovation like your new ones
3. If you focus on low tiers rental income group, check if it legal to rent the place to corporate as part of the low tiers staff accommodation (preferably longer rental period) or to a number of students as student accommodation.

For both of these cases, it will require first checking out with lawyer and renovation cost required. So you will want to do your number before you act.

At the moment, I am working on the worksheets and case studies on this, if you want it, join the waitlist here and you will be notified once they are ready.

For those who have yet started or looking for additional opportunity

1. Look for low mortgages rate
2. Look for high financing facilities
3. Look for projects that include your renovation cost as part of the package

And if you would want to know exactly where and how me and my partner did the deals in 2020 and how you can potentially do the same, sign up the webinar here.

Ok. Today we are going to kick things off by helping novice overseas property investors to get out of the analysis paralysis situation and start investing.

I have come across a lot of clients who have been telling that they are keen to invest overseas but then the “window shopping” process keep lopping for years and still they just keep window shopping, doing their so-called analysis, understanding the market etc.

While, I am 100% positive to doing your investment due diligence, there is no such thing from my perspective the perfect deal that you will eventually fine. Time flies, opportunities go, price will just keep going up while you keep searching and searching. People stick to the analysis paralysis usually have one of the follow traits and today we are going to tackle them one by one.

1. They act like they are shopping for a home rather than for investment
2. They keep analyzing the market and keep visiting from one seminar to another, endless
3. They do not know what their investment goal is
4. They do not have the money.

Well this one is a special one. Usually for those who are in the analysis paralysis state, they do have money or they can get access to money. Most of the time they are saying that because that lack direction or they are in fear. This is the time they should do some internal debate going on. I highly recommend you to download the Investment Readiness Checklist and see which areas do you actually get stuck.

Alternatively, if you reckon you really don’t have enough money to start off, we have a 10 Days Challenge Coming Up which is to set yourself in motion to start making money. Join the 10 Days Challenge Waitlist here and you will be notified once the registration starts.

When it comes down to investment, we always need to bear in mind that when the market shift, we’ve got to adjust our next move. With what happened in 2020, basically the real estate trend has been revolutionized. And I always say there are 3 types of investors when it comes to making investment decision. The Pioneer – those who see the trends in 20 years and add now; The Mover – those who smell what the pioneer are doing and follow; The late comer – those who only jump into the market when the Pioneers and the Mover have made the most money, and of course they are more courage in making sharp decision in volatile timing – either to go into new opportunity or drop the under-performing ones. And today, I am going to reveal the 3 key questions they ask themselves in timing like now:

1. Given the shift of the market trend and the way of doing business, Is the asset I am holding today is going to give me the return I need after this transition period or the market has already changed and I can no longer get the passive income I desire?
2. If I keep the asset now and bear with the new normal transition period, am I going to easily exit the property or is it better I just cut it out from my portfolio? This is the question that most people ask themselves especially they have bought off-plan projects before Covid hit.
3. What’s the best option to grow my wealth during this transition period? On this particular question it all comes down to your current financial situation, your risk adaptability, your investment goal. And here, I have a webinar coming up which cover the top 4 most preferred Investment Approach that Most Experienced Investors and Wise Wealth Generation are secretly using to grow their wealth during this new normal period. It covers both short term, mid-term and long-term strategy. Register here.
4. If you decide to hold the property, would it be easy for you to exit? The best way is to get a value, banker or private lender to do an assessment for you.

And for those that need help to identity if your asset is still worth keeping or not, you can arrange an investment success coaching call here.

How will you use it if you have 10,000 with you these days?

Spent it on stock markets? Put it in the bank for say 1-2 percent annual interest? Buying valuable metals? Crypto currency?Or just spend it all and you don’t care.

And today I am going to share a story with you on how a 10,000 usd commitment, and a shift on investment mindset and adaptability change a novice property investor.

Most people tend to believe that if they only have money like 10,000 usd, the investment options are namely those that I have mentioned at the being of the episode. You yet have enough to buy property, hence you reckon the options you have are mainly non-real estate play.

The reality is you do have Choices when you are ready to opportunities and that’s how my mum did it. A couple of years ago she set aside 10000 on private lending deal on an investment club. She was not like those loan sharks who goes into high risk play. She joined the investment club which get her access to well assessed property deals that need short term financing. And every year she tolled in 10,000 more. She rolled 5 times, each for a duration of 12 – 18 months with an annual guaranteed income of 8 percent of what she put down (similar to private mortgage trust)

And in case you are new to mortgage trust, the risk of it is very low.

Total returns in 5 years: 13,359/50000 = 27%

Whereas if you are putting money in the bank, most likely you are only going to get 8-10 percent.

In doing that, it takes a shift in mindset and be open up to something new and understand the level of risk and how to pick the right deals that qualify her to do so (because in most situation, those deals only open to accredited investors)

You might reckon 63,359 usd is not a lot, but it set her in a position to double her money in less than a year in the most controversial year 2020 when she joined another investment club on a fix and flip project in Portugal.

You might be wondering how does it all happen?

A supposingly highly risk-adverse lady who used to just do fixed deposit to this, what are the key factors?

1. Be open minded
2. Take educated risk and know what you are signing yourself up for
3. Stick with the right team who are investment performance driven rather than purely transaction driven

Now is your turn, are you ready to open to new idea or are you going to just keep the old way?

If you are ready, I have a training coming up on how to get outperforming fixed returns even in this new normal period Register here

Or if you are ready to go straight into fix and flip project, you can join out investment club. Members on this Waitlist will be invited on a briefing section when something nice comes up.

There are 3 assumptions I used to have might not apply to everyone

1. Every investors understand risk involved
2. Every sales people will do all the necessary grounding to their clients so that they only go ahead with a decision after a thorough assessment
3. If investors ever at doubt, clarify before putting their name on the paper.

I remember I step back and ask myself going forward, how could I make sure that every clients and students of mine will have a better experience?

That’s the reason why I have started (COA) Centicon Onyond Academy and here there are 3 principles that I am giving out to you and I truthfully want you to live by. It is more than just for real estate transaction but it is across the board whenever you make decisions and involve people.

1. We cannot control what sales people say but we can control our ability to assess its trustworthiness and motives. So stay sharp and rational when you are pitched on opportunities
2. We all have different roles in life with the very same person. So don’t mix it in the wrong time or situation.

Here this is one of the best advice I have taken to heart from my dear coach. And whether you are the sales person or the investor who is listening to this episode, I highly recommend you do the following when you are shifting into a transactiondiscussion

1. Remind the other party that now both your roles are investor vs vendor report salesperson and make sure that if either party in doubt, raise any questions like a normal business meeting
2. Involve a third party in the transaction to do the grounding whenever you see necessary so that there is a clear witness on what both side actually agree on, black and white
3. This is especially what I teach sales person on doing the grounding and say to investors who are also friends or family “investment involves risk. If you have any doubt or questions, please ask and I will do all I can to address your doubt so you can make an educated choice.”

Here, remember, the last thing that you want, whether you are an investor or a salesperson is that they are making decision purely base on friendship or relationship and trust and if things are not going according to plan, you lose both.

When either side being clear and responsible, that’s when real trust, professionalism and friendship truly built and sustain.

1. We all have different roles in life with the very same person. So don’t mix it in the wrong time or situation.

Here I know that this topic sound heavy but to set every one of my clients and students an easier investment journey, I reckon this is the best gift I can give you today to start off the year.

Some of you might then ask, how to keep that in mind, well, it takes practice. You can practice it in your everyday decision making process. And one very important that I keep practicing as well is meditation. Well it might sound unrelated to property investment, but this exercise keep me sharp in making every investment decision in a subconscious level.

So let me know if you have any questions or thoughts, and I am happy to answer more of your questions in my weekly Q&A. Email me

And for those who want to know the additional 3 key investment mindset, download here.

These days, many people fail to see the structuring changes happening in the real estate cycle. That’s why we still see people jump into investment opportunities which, from my perspectives, are either too good to be true or no longer performing.

Well, in the last five years, I witnessed deals that over 80% of the real estate buyer have completed that came with any of the following 4 factors, 90% of the time it turns out to be an underperforming deal...