A Property Investment Plan is IGrow’s personalised, exclusive planning tool, mapping out how to build a property portfolio in South Africa. It will show how property investment can help you to reach a specific financial goal, such as a financially free retirement. It factors in your age, income, timeline and risk appetite. Your personal investment strategist will review it regularly for as long as you invest with IGrow and have properties managed by us. Every IGrow investor has one. It’s the roadmap you will follow to build your entire property investment strategy, from the first consultation right through to regular portfolio reviews for years to come.
Estimated reading time: 9 minutes
Table of contents
- What happens in your free property investment consultation at IGrow?
- How do IGrow’s free property strategy consultations actually work?
- When do I get my personal Property Investment Plan?
- The IGrow Property Investment Plan is designed for the long haul
- Your Property Investment Plan is the difference between hoping for financial freedom and actually building it.
- FAQs
What happens in your free property investment consultation at IGrow?
What happens when you book a free consultation with an IGrow Property Investment Strategist? First, your strategist works with you to gather all the information they need to create your personal Property Investment Plan. They will tailor your investment strategy to your needs and goals.
This is your clearly drawn roadmap to build real financial freedom. It is built with all the backing you need to be successful for the long haul. It’s a sophisticated, exclusive spreadsheet template, customised for each client. It guides the entire client relationship and investment strategy, from the first consultation through to portfolio reviews years later.
Core functions of the IGrow Property Investment Plan
- Determines your desired retirement age (we default to 65 if you’re not sure) or other financial goals and timelines
- Calculates life expectancy and factors in inflation for long-term planning
- Maps out a portfolio growth strategy from your current age through to retirement (or your other goal like travel) and beyond
- Includes multiple properties
How do IGrow’s free property strategy consultations actually work?
Your consultation is booked at a time to suit you. This takes place either online or by telephone (021) 979 2501, wherever you are. A booking agent and the strategist’s personal assistant will help set this up. It can be either a video call or an in-person meeting.
We recommend that if you are meeting online, you do so on a laptop, desktop or tablet. This means you can clearly see the strategist’s screen shares, but we can tailor our approach to suit your needs.
You can rest assured this is not a sales call to sell you a specific property. You will be building a long-term relationship with a caring expert with a team of other experts to back them.
At this stage, the important things to establish include:
- Listening to your personal investment goals and getting to know a bit about you.
- Taking a brief look at where you are at financially, and checking if the timing is right for you.
- Explaining how property investment works at IGrow in detail, with clear examples and numbers, and answering your questions. This gives you a taste of what a Property Investment Plan actually looks like.
All of these steps will help our investment strategists create a personal Property Investment Plan for you. During the first consultation, some calculations can be done live through our special software to show some examples. However, your strategist will take a little time to tailor the final proposal to you after the first meeting. It will include the best available properties for your needs, goals, current financial position, and time horizon.
Let’s take a look at each of these in more detail. Then you’ll know exactly what will go into creating your Property Investment Plan
1. We Ask About Your Investment Goals.
You are unique, and so are your reasons for wanting to invest in property in South Africa. Perhaps you want to break out of only being able to earn for the time you can bill for, and you want to build more financial freedom? Or you want to fund your children’s university education one day, or save for a comfortable, financially free retirement.
We’ve even had clients who saved for their bucket list travels overseas by building equity in their property investments! Your reasons are yours alone, and they’ll help us figure out the best timeframes and strategies to achieve your goals.
2. We Learn More About Your Current Financial Position.
Can you invest right now? Do you have some money to put into deposits, or will you leverage more bank funding? What can you afford on your income? Can your spouse’s income come into the picture? Maybe you aren’t ready yet because you don’t have the funds or income level to afford a bond on a property. Or you are under debt review or blacklisted. In this case, your strategist will explain alternatives for you at this stage in your journey.
Have faith! We have lots of educational materials designed to help you learn how you can get started. It takes a lot less than you might think to qualify for an investment property loan. Most IGrow properties have zero deposits or very low deposit requirements. Bond and transfer fees are usually included, so you need almost no money upfront. Banks look favourably on 100% loans for top-quality investment properties that are paid by tenants’ rentals rather than your income.
Are there any barriers to entry?
You may be in debt review, be a foreign citizen, or be married in community of property. Most things are not deal-breakers. Our strategists can advise on next steps.
We can also refer you for a free financial advisory session with IGrow Private Wealth. They can help you get the advice you need to get your broader financial life in order.
3. We demonstrate clearly how property investment works, and answer your questions
This is where the Property Investment Plan is demonstrated to you with generic figures. We show you how investing a specific amount will secure you a certain number of properties. Then we break down monthly income and expenses. We demonstrate clearly how this will grow your wealth over time. We compare property investment to traditional investments like Retirement Annuities and Unit Trusts, in terms of return on investment and annualised returns. And we use graphs and plain English, so you don’t have to figure out all that jargon.
Options for structuring correctly for tax efficiency and estate planning are also factored in. As you will own property in your own name, this is very important to understand in terms of time frames. We are not in the buy-and-flip game at IGrow. As with all strong investments, increasing your time horizon will build wealth and make you a winner!
Naturally, you will have questions based on your level of experience with property investment. We’re happy to help!
We have all kinds of new clients, from high net worth, experienced investors who already have trusts, to beginner investors who are completely new to investment. Our consultants can help everyone who crosses their paths and tailor advice to your stage of the property investment journey.
When do I get my personal Property Investment Plan?
At the end of your first consultation, we will book a second consultation for you. Between the two consultations, your investment strategist will be working hard to build your personal Property Investment Plan.
They will review all the properties we have in stock, including current bulk deals, and check affordability for loans and what will align best for your current circumstances. Then they will work out an investment strategy to achieve your goals.
This is all presented to you in the second consultation, in an attractive and easy-to-follow presentation that shows you clearly what your cash flow will look like, monthly and yearly, for a full 30 years. You’ll learn what capital you will be paying in, how much you can leverage from banks, and what your returns on investment will be.
“Our goal is to help clients build multiple income streams for a financially free retirement, and help them leave a legacy to their loved ones” — Jacques Fouché, IGrow Group CEO & Founder
The IGrow Property Investment Plan is designed for the long haul
It is kept safely on file and reviewed regularly by your personal investment strategist, who will book periodical reviews with you to show you how you are on track, and what needs to happen next to keep building your residential letting property portfolio to meet your goals.
Your Property Investment Plan will also help you determine when it is a good time to set up company and trust structures that protect your growing wealth from creditors and taxes (getting the timing right to suit your specific circumstances is important).
Your Property Investment Plan is the difference between hoping for financial freedom and actually building it.
Property investment can feel overwhelming from the outside — the jargon, the numbers, the “what ifs.” That’s exactly why every IGrow investor starts with a Property Investment Plan. It turns a vague goal like “I want to retire comfortably” into a clear, personalised roadmap: what to buy, when, how to fund it, and what it will realistically deliver over the decades ahead.
It isn’t a one-off document either. Your PIP grows with you, reviewed regularly, adjusted as your circumstances change, and used to guide decisions on structuring, refinancing and expanding your portfolio for as long as you invest with IGrow.
Whatever stage you’re at, whether you’re a first-time investor or already building a sizeable portfolio, your Property Investment Plan is the foundation you build everything else on.
Ready to see what yours could look like? Take the first step toward your own roadmap to financial freedom:
FAQs
It’s a personalised, exclusive planning tool IGrow creates for each client. It maps out a property portfolio strategy tailored to your goals, timeline, age and financial position. We keep it to guide you from your first consultation through to ongoing portfolio reviews.
Your strategist starts gathering information during your first consultation, where you’ll also see live examples of how property investment could work for you. They then take time afterwards to build your full, personalised plan — including a property search, affordability checks and a strategy tailored to your goals. They present this to you at your second consultation. You arrange a date and time to suit you, and can be as soon as a few days after your first consultation.
No. IGrow works with everyone from experienced, high-net-worth investors to complete beginners. Your strategist tailors the conversation and the plan to your current financial position and stage of the property investment journey. If your income is currently genuinely too low to qualify as a property investor, don’t give up hope – you can follow our education channels and learn more to get yourself ready for when the time is right.
These aren’t necessarily dealbreakers. Your strategist will talk you through the alternatives and next steps available to you, and can refer you for a free financial advisory session with IGrow Private Wealth if you need help getting your financial position in order first.
You will need to bring your spouse along for the consultation, or plan to bring them into the process early on.
Yes. Your plan factors in options for structuring your investments efficiently for tax and estate planning, including the right timing for setting up company and trust structures as your portfolio grows. Your investment strategist will connect you with the appropriate experts in IGrow Trusts and IGrow Accounting and Tax Advisory to work out the best options for your specific circumstances.
Your personal investment strategist reviews it with you regularly. They check you’re on track and plan the next steps in building your portfolio. It isn’t a static, one-off document.
No. It’s a relationship-building conversation with a strategist backed by a team of experts. We focus on your goals first, not on selling you one particular apartment or house. We have many A-grade investment properties in stock at any time, and can find the units best suited to your personal property investment plan.
