Design Your Decade: Key Insights from Our Property Investment Education Evening

On March 11, 2025, property investors of all experience levels gathered at Right Property Group’s Property Investment Education Evening in Norwest for a night of learning, connection, and strategic insight. Led by industry expert Victor Kumar, the session provided practical guidance for designing a long-term investment roadmap tailored to individual goals.

Market Snapshot & Strategy Deep Dive
Victor kicked off with a timely market update, highlighting how recent interest rate cuts are reshaping conditions across Australia—from emerging growth in Sydney to investment opportunities in Brisbane, Perth, and beyond. He reminded attendees that smart investing isn’t just about where you buy, but when and why, encouraging investors to follow employment hubs, understand market cycles, and adapt strategies accordingly.

Long-Term Planning: It’s a Decade, Not a Day
Victor’s core message? Property investment is a marathon, not a sprint. He shared how building wealth sustainably comes from focusing on cash flow, not just portfolio size. Whether you’re buying one property every 6–18 months or planning for retirement, the goal is to create a lifestyle powered by passive income—not just assets on paper.

Financial Health First
Before diving into property, Victor stressed the need for a strong financial foundation. From freeing up cash flow and restructuring debt, to setting goals like funding education or transitioning to self-employment, these steps are crucial for long-term success.

Avoid the Loyalty Tax & Manage Smart
Many investors pay the price for sticking with the same lender—literally. Victor explained the importance of switching banks to get better rates and managing lease renewals strategically to increase rental income without losing tenants. It’s about making every dollar work harder.

Diversification & Defense
Investors were encouraged to diversify across regions, property types, and lenders while planning for debt reduction and adequate insurance. The aim? Portfolio neutrality—where properties generate enough income to cover their costs, with a target loan-to-value ratio of 70%.

Asset Protection & Estate Planning
As portfolios grow, so does the need for protection. Victor urged attendees to think about estate planning, set up ownership structures carefully, and review insurance regularly—especially after five years of investing.