Only One In Twenty Make Money

When it comes to investing, 95% of people lose money, whereas only 5% of people make money through reasonable gains. These 5% are positive, and they look for bargains when others see doom and gloom. They analyse the facts, rather than the headlines. They look past the frenzy of the “herd mentality” to identify the real opportunities.

As 2016 sets sail, let’s look for the opportunities that have already had their seeds sewn in the gloomy period.

Winning and Losing with Fixed Rates

Back in 2009 the RBA was wrong in raising rates. We spotted this, knowing they would soon have to lower rates. We won!! Property Club members who acted on this insight didn't fall for the banks advertising trick, asking us to fix at a higher rate. We had fixed long before the RBA started raising rates, locking in at 5.2% which then came off fixed in 2012.

I believe this banking monopoly rate hike will be shortlived and that it is not yet time to fix. The reverse, the high rates, in fact could be their undoing! Stay tuned and if you are concerned about rates, please join our Rate Club by emailing [virginia.bergman@propertyclub.com.au](mailto:virginia.bergman@propertyclub.com.au?subject=Join the Rate Club).

As rates change I can let you know my views on the best strategy... read more...