Investing in the right property should only come into place after all the financial and long term investment planning strategies have been put in place. It is very important to do this with a qualified finance specialist with many years of experience in the property investment field.

Property as an investment has for many years provided a viable vehicle which is relatively easy to obtain. Not only does an investor needs no cash to buy (as long as they have equity in property), but property has always provided an easily accessible, relatively safe long term investment for people from all walks of life. People like property because they can see and touch it.

Many investors are plagued by the thought they have started investing too late. They understand the power of compounding, the growth potential of well-chosen property, the impetus of gearing and leverage, the sizable tax breaks. These very compelling factors would ideally work together over time. What if I am in my late 40s or 50s and only have, say, one property under my belt? Won't I need another eight or nine properties, all of which would take a good few years to accumulate, whilst its true wealth building through property isn't a get rich quick scheme, with the right factors in place, a base of wealth can be built at quite a rapid rate.

Property is a highly flexible wealth creation vehicle-there are many ways of arranging property assets, financing, employers super and other asset classes in any one of many configurations. There is a whole matrix of possibilities open to the creative and intelligent investor.

Rather than asking 'Have I started too late to invest in property for retirement' it might be more useful to frame the question as 'given where I am now-how can I make property work for me in a way that yields the best results for a wealthy retirement?'

It is comforting to know that whatever your age or stage of life, property has both the flexibility and the wealth-building power to deliver an earlier, more secure, or more prosperous retirement.

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