Safe as Houses

Rupert Smith of Complete RPI highlights how UK property investment can form the basis of any pension or long term investment plan

Diversification

As the world’s financial industries continue to see rapid change, so too do the needs of its customers. In the UK alone, the over 50s now account for two-thirds of the population, a startling reflection of the demographic shifts taking place on a global scale. Standard savings and pension plans offered by the usual institutions continue to attract the everyday investor - easy access, large fund choices and a range of ‘great’ returns. Yet one thing is clear - not everything works. So how do we work with our financial advisors to choose smart, choose with conviction and be sure we’re getting the very best return on our money in an unpredictable, ever-changing market environment?

Property is an asset class that rides the media wave well with one factor standing it apart from the others - smart, long term investors continue to reap the rewards of this bricks and mortar asset. As rental demand in the UK continues to outweigh supply by 2:1, rental yields continue to rise. High confidence, low borrowing costs and hugely improved consumer sentiment are boosting demand, producing a buoyant market that’s out on top. So should property investment form part of one’s spread of assets?

Income through property specialists Prosperity believes it should. Unique to the market, its product offers an affordable way for both UK and non-UK citizens to access UK property as an income producing tool. Offering a choice of payment plans, investors can purchase discounted UK property, paying the deposit in monthly instalments across the build period. On completion, all rental management is taken care of and the rental income utilised for mortgage payments. Monthly payments start at under £1,000 per month over 24 months, at which point the property goes onto the rental market with an income assurance plan built into the product, eliminating any rental void concerns along the way.

All properties are 100 per cent standard build in desirable owner occupied locations within the UK, providing the best capital appreciation over a long-term period. The whole process is managed from start to finish, offering clients a totally hands-off, income producing investment.

Prosperity founder Joe Billingham has spoken passionately in the media and at lectures and seminars across the world about why he believes that property should form the basis of any pension or long term investment plan. “It’s no surprise perhaps that today’s investors are savvier,” he says. “Stand-alone financial products just don’t fulfil long term financial requirements nowadays. People are living longer and have far greater expectations of their future income in retirement. Diversification is key in supporting a more long-term financial goal.”

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