Get Your Free
Property Portfolio
Rating Tool
For most investors approaching retirement, “buy and hold” has been the rule. But at some point, holding everything stops making sense and the question shifts.
Not whether to sell. But which property to sell first.
At first glance, the answer seems obvious:
• Sell the oldest one
• Sell the one with the biggest gain
• Sell whichever one “feels right”
But the right answer is rarely that simple.
It depends on a mix of factors that are easy to overlook when you're making the decision intuitively.
The factors that actually matter:
• Future growth potential
• Rental yield after costs
• Maintenance and capital works
• CGT consequences
• Management effort and ongoing hassle
That’s why we created the Property Portfolio Rating Tool.
It’s a simple spreadsheet that lets you score each property across the factors that matter most so the comparison is side by side, not just in your head.
To make it easy to use, we’ve also recorded a short walkthrough showing exactly how it works:
Get Your Free
Property Portfolio
Rating Tool
For most investors approaching retirement, “buy and hold” has been the rule. But at some point, holding everything stops making sense and the question shifts.
Not whether to sell. But which property to sell first.
At first glance, the answer seems obvious:
• Sell the oldest one
• Sell the one with the biggest gain
• Sell whichever one “feels right”
But the right answer is rarely that simple.
It depends on a mix of factors that are easy to overlook when you're making the decision intuitively.
The factors that actually matter:
• Future growth potential
• Rental yield after costs
• Maintenance and capital works
• CGT consequences
• Management effort and ongoing hassle
That’s why we created the Property Portfolio Rating Tool.
It’s a simple spreadsheet that lets you score each property across the factors that matter most so the comparison is side by side, not just in your head.
To make it easy to use, we’ve also recorded a short walkthrough showing exactly how it works:
When clients use it, something interesting happens: the right property to sell often becomes obvious.
✅ Sell the right property at the right time
✅ Reduce unnecessary CGT exposure
✅ Keep your best-performing assets working longer
✅ Move into retirement with clarity, not regret
Without a clear framework, it’s easy to:
❌ Sell the wrong property first and pay more tax
❌ Hold underperforming assets for emotional reasons
❌ Make a decision you can’t reverse under pressure
❌ Leave retirement income on the table
Would you like a custom plan about how to manage you investment properties?
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Renae Chapman
We have entrusted our wealth creation and future security with Yield Financial Planning for a number of years now. They truly are professionals who have stayed ahead of the game by making strategic decisions at the right time and have always given sound advice. Security for our future is in great hands. Thanks Yield Financial Planning!!!
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