#033 The Investment Clock & When Should I Invest?

Welcome to another episode of the How To Raise Money Podcast. In today’s episode, Ray and Nigel discuss the investment clock, macroeconomics and if now is the right time for you to invest or simply raise finance. No matter what sector, region or market you’re in, you can analyse your situation on the investment clock. Hear Ray and Nigel discuss the pros and cons of evaluating the investment clock and the fundamentals of the UK property market when it comes to investing in property in today’s economic climate. Learn how to research your market sector and predict the changes in the market. Economical changes usually happen at the top so you can see it coming. KEY TAKEAWAYS The Economic & Investment Clock Boom (22:00 - 00:00) Rising Overseas Reserves Easier Money Rising Real Estate Values Slow Down Area (13:00 - 15:00) Rising Interest Rates Falling Share Prices Falling Commodity Prices Recession (16:00 - 18:00) Falling Overseas Reserves Tighter Money Falling Real Estate Values Recovery (19:00 - 21:00 Falling Interest Rates Rising Share Prices Rising Commodity Prices The clock is always pointing at a different time depending on what sector you’re in. Everyone’s clock, both individual and in business will look different from one another. The investment clock is also regional and can be evaluated at different levels of the economic scale. For example, you can look at the investment clock just in relation to property in London in a particular area. We are not in a slow down, we are not in a recession we are probably moving into a period of boom. This time around there is more private money in the system and more vehicles to move investment around different sectors. Right now in the UK, we have a shortfall of hundreds of thousands of houses each year, it’s supply and demand. This is due to the changes in what determines a household. No longer does a household contain the nuclear family, the of a household has changed over time. Due to the ageing baby boomer population, there is a demand for more housing. This demographic is closing in on retirement and as a result are purchasing more property, such as one bedroom flats. BEST MOMENTS “The thing with property is, you don’t make money when you sell it, you make money when you buy it” “If you want an excuse not to do something, they’re easily found” “Put the headline economic news into perspective” “Macroeconomics looks at individual sectors, the investment clock analyses the whole market.” “The best time to invest was yesterday” “There are two times to plant a tree, twenty years ago, and today” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ Howtobeomeanangel (website) Darren Sherlock - Economist ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit!