Anubhav Aggarwal

Quickest Way to Calculate Return On Investment For A Property

Anubhav Aggarwal moved from India to Melbourne in 2004 to continue his Masters in engineering, and now balances his full-time job with running his own business and growing his investment portfolio. As a seasoned property investor and now a buyers agent, Aggarwal is following his passion for both engineering, and helping others to calculate the risk, grow portfolio and investment return in the property market.

Join us in this episode of Property Investory to learn the details of his childhood in India, how he was able to reach financial freedom through his investment journey in Australia, and making the jump from investing in shares to the ‘safe haven’ of long term property investment

“I really found is that property seems to be an area obviously the safe haven for a long term perspective. ”
-Anubhav Aggarwal

Aggarwal’s Move To Australia

Before moving to Australia over a decade ago, Aggarwal was born, raised and educated in India. 

I actually came to Australia about 15 years ago and prior to that I’ve obviously I hailed from India from a very well-known city called Puni, and it is for those who aren’t aware very close to Mumbai and pretty much you know it was a very strongly westernised and cosmopolitan crowd that I actually grew up in.

I was born in up in north India and then grew pretty much in the west side of India which is where Mumbai and Puni is, and went through my childhood in that space and did my education graduation in India before I came here 15 years ago to do my masters in engineering. 

He explains why of all the places in the world to continue his education, he decided to come to Australia.

Well, my cousin’s brother used to live here in Australia prior to me coming here and he did his Bachelors here, and he talked a lot about Australia, I had few friends come to Australia to visit and they talked about the country and how beautiful the views are, the people are amazing, you should be visiting there. And I said, “Well,” – you know, at the same time I was looking at opportunities of where I should be doing Masters and was lured by what the family was talking about in Australia, and I said well, “Why don’t we give Australia a chance?” and so happened that my colleagues, my friends who I actually passed my graduation with, they all wanted to go to Australia as well. So it was a group of five or six people you know who decided to go to Australia for their higher studies whilst a lot of the others went to the U.S. or Canada, and then it was just about you know getting it all aligned then ensuring we all want to do what we want to do, and we landed here about 15 years ago. So it was quite exciting to learn in Australia and continue to be here now. 

Between working a full-time job and running his own buyers agency, Aggarwal’s average daily routine is both busy and long.

I’ve actually got a full-time job in an IT sector and I work for a very large global organisation at a very senior position, and at the same time you know I got my own business going as well as a property buyers agency, which I have just kicked off a couple of months ago and I’m still setting it upright to make sure that I can service my clients accordingly. 

So for me, financial freedom was always my number one priority and when I came in this country 15 years ago, I had no other option but to you know to get the education going, get studies up and running, get my Masters finished, find a job that can actually pay you well and things went along as they were supposed to. Then suddenly you start realizing that there’s more to it, right than a full-time job in such a large corporation and you want more fulfillment and satisfaction, that you want to achieve out of your life and more time for yourself or your family, and you want to do something that you know you think you want to do as opposed to someone telling you what to do. So as I grew in my organization, what started happening is my day-to-day job became from doing things or someone telling me to actually owning the work I do at the senior management positions. So I actually run a part of the business for them and that’s a fairly large-scale work that we do. So that kind of enticed me to actually say okay, you know what, I actually can do this, I can do my own business and I can run my own business, and it was only about three or four years ago when I started really thinking hard on this, and I said, “What is it that I really want to do in the business?” So I went through different business models in my mind and researched a lot about it. So I guess I was looking at what my friends are doing or you know people generally do, and restaurants wasn’t for me, everyone would get tied into another job pretty much. 

So at this point in time pretty much it’s a juggling game between getting my full-time job and my business going in parallel, but it kind of starts at say as early as 5 a.m. in the morning, getting things through, whatever needs to be done, put them behind the scene before I get ready for the job, come back here and then you know in the evening I’ve got client calls or appointments that I’ve set up with the referrals or clients themselves, and then pretty much end the day around 11:00 at night, so it’s a fairly long day for me as usually are, on five days a week. That’s usually what happens. 

Aggarwal’s Priority Was Financial Freedom

Although it’s not easy, he is passionate about what he does and looks forward to the financial freedom he can gain from his business and investments.

I think it comes down to you know what you really want to achieve out of your life and where you want to really go. 

So I said, “No I’m not doing restaurants, that’s definitely not the line for me”. I wanted to do something that I was passionate about.

After much discussion and consideration, he realised that a buyer’s agency was the right business to get himself into.

A lot of friends of mine were doing investments into properties and shares and so for which I also started doing about eight or 10 years ago. Suddenly I’m thinking ‘okay you know what I’m at a point in my investing journey alongside while I’m doing my job that I’m actually starting to talk to people about property really well and people are listening to me right and they’re hearing taking my advice and they’re reaching out to people that they should be to help them in their journey, and see how they can be financially set for themselves.’ So I thought, this is great right because I do consult work at my job and I do consult work through a passion for property. So I need to connect this for my business. So what’s the best option?

The ideas came around, real estate agencies and so forth and then suddenly I was just looking around and said, “Well, listen, there’s a lot of people there already doing real estate agency but then I bought few properties from my own portfolio, I’ve always struggled to get the right price from a real estate agent because they only work for the vendors, and then they go to while you’re on your own.” And because of the knowledge that I gained all these years because I like to read a lot about property and what’s going on in our local property and also international, it can give me an edge to talk to them in the right way and really standing for myself where I want to buy, what I want to do, what should be the right price. And I said well this knowledge is useful not just for me for others as well. So how about actually looking out from the buyer’s perspective. And when I did start researching lately about that and actually found there’s actually you know it’s a fair niche area to actually work in. And there are not a lot of buyers agents around to actually really help the people. 

In fact, I was in a cab last night and after working, it got a little late so I took an Uber and I was just talking to someone about it. He is or what is he do you like. 

I do a bit of investment and I talk to him about my buyer’s agency business, he’s like, “Really does that even exist?” and I was like, “This is niche, what we’re doing” and he got really, really excited, the 25-minute conversation was really useful, very constructive, while he was driving, me being his client, driving me to my destination. 

He so wanted to know what it is all about. And at the end of that whole thing, it was almost like, “Oh, I know I can actually reach out to you, you know, for my next investment property” and I’m like, “Right,” right. 

So I think there’s a lot of obvious niche in this space and it really kicks in when you know people start talking about property, and I thought ‘okay well a few months ago I say well property is an area, and I want to explore that and I really want to turn my passion too and monetize it if I can’. 

And that’s really how I entered the actual buyer’s agency business. 

Back in India, his parents wanted him to get the best education possible.

Puni is recognised worldwide for its university and as people not flocking from other states in India but mostly international students that we actually attract a lot in Puni. And that was the whole reason of actually moving from Punjab which is a North India where I was born to actually Puni because my parents wanted to make sure that we got the right education and the best quality education that you can actually get in the country. That’s the whole reason why we settled in Puni and grow ourselves there and our childhood there. I did my schooling in Puni, I did my graduation in Puni itself as well. I passed out of Puni University which is quite well-renowned as well. And that was very well recognised as part of the application for Australian universities is as I wanted to do my Masters and that’s really how the journey went in the education side of it.

After always having an interest in technology, Aggarwal pursued science and engineering at university.

It was more on the technical side mainly because you know from the beginning I was always about – I was very inquisitive to open up anything, you give me electronics in my hand I would go and open it up to see what’s inside; and if something wouldn’t work for you at home or it needs repair, I would open it and give it a go, whether it’s a television, back then you don’t have LCDs or CDs, you know, you had the videotapes sort of thing, the big units, I would open that up to see what’s really going on, why is it not working or even if you have to do maintenance to open things up and actually clean them up and put them back and close it, so very inquisitive like you’re really in that side and then the passion really truly on the engineering side as well. 

It really sounds good so I think that’s how I should pursue my education. 

Did my Year 10, 12, and then a science degree to make sure that I can actually pursue engineering.

And how many years was the engineering degree?

So that was four years at Bachelor’s in India. 

And it was always a battle between understanding whether it should be engineering or commerce because my family background is all in business, I am the only one who is actually in the job industry until now. So it was a bit of a battle to actually see whether I should really be doing that or not because I come from a business background, my father runs a large business as well, so does my family. 

calculate investment return

My mother’s side, my father’s side, all extended family members are in business and it was a bit hard to choose between business and my passion, and my passion was engineering like I just mentioned.

So I said I’m going on a different path. Let me just pursue that education and then ran down the engineering path. 

Wow, I think it’s important to pursue passion because you don’t have to do that for the rest of your life if that’s what you want to pursue, and if you pursue something that the rest of the family wants, then you’re not really, really passionate about that. I mean it’s great to do it but at the end of the day they end up changing, and I hear so many students who have gone to uni, they start something that their parents want, in the end, they change back over to what they want to do two years in and then have to start again. So that’s great to hear. 

So what you roughly did you come over from India to Australia to start your masters. 

So that was in 2004 when I actually came in here and that was the first time I landed in this country to actually pursue my masters. 

That’s great. So it’s been a good 14, 15 years that you’ve been in Australia so I guess what’s happened during that period of time. So you came here, pursued your masters which went for how long?

So the masters was actually one and a half year. You actually had to supplement that with another year or so, got credits for that to actually get a two-year degree to make sure I was eligible to get a permanent residence in this country. 

So that was basically if you put it two to three years worth of studies and also experience together, what happened after that?

So while i was studying here, you obviously had to look after your living, so there was a lot of odd jobs that we did here around our time, so while I was studying I was only limited to 20 hours a week to actually work. So I had to take something that could actually pay me well to keep my boat going. So I got into more of a sales sort of area and did a lot of door to door marketing sort of work, and cold calling and warm calling, did a lot of customer service sort of work, call centre work as well, just to keep it going for me and that was all as I was studying here in Australia. And so it was all full-on, you got to go to a job, you’ve got to finish your stuff and you actually then study as well, make sure you know you’re doing well in your education as well so it’s all happening parallel while you’re setting your feet in a new country. 

After working various jobs and saving as much as he could, Aggarwal managed to pay off all his student loans and wanted to work out what to do next with his savings.

So obviously you know when you come to this new country, you don’t have the money that you actually need. I’m not going to ask my father to give me some, I actually refused it. I said, “No, I’m going to do this all by myself”. I wanted to make sure that I got educated in this country, I paid my own loan off essentially because I got a loan from India actually do that while I was studying and after my studies, I got a full-time job and actually paid my loan off as well for my own education. And then it was all about you know, okay I know I can save well, I got the habit of saving, now how do I take this to the next level and where can I actually take this to so I can actually get more financial freedom. 

Because that was always the thing in my mind that you know I don’t want to work for the rest of my life. I will make sure that I can line this up. I probably need a lot of money, so the money I could save on the side apart from paying bills, I could actually start in the share market and that’s what I actually started doing as an investment journey before I actually jumped into a property which was in 2010. 

How Aggarwal’s Property Investment Journey Began

After paying off his student loans, he started to spend his extra cash investing in shares. Eventually, he decided to think more long term and invest in Australian property.

Shares were pretty much on my mind all the way through, so right from 2005 onwards that’s when I started trading on ASX and also got into doing options as well. I actually did a masters in options course to actually see if I could do well in that space and then traded equities on auctions in the US market before the GFC hit, and it all went down really badly. And I said, “Okay, well, this is not sustainable”. It’s a very high-risk vehicle to do to get your income going. So then obviously learned a lot about the Australian economy and the way things work alongside and then what I really found is that property seems to be an area obviously the safe haven for a long term perspective. That’s really when it kicked in around a GFC period, I said, “Okay, well it’s a good time to buy now because the prices are at a bottom low and while Australia really not did that GFC large impact but there were ripples around it. You know, people had a lot of fear in selling stuff but that was probably the right time to actually start looking to the market and getting into it as a first home buyer. 

Purchasing his first home in Australia took a lot of time and research to find the perfect home and investment.

My own journey of actually finding the first house took me two years because I couldn’t decide where I wanted to live and I was living for the years that I mentioned prior to that – almost seven years – in the fringe of city in Melbourne. It was because the university was very close by and I really like the city area, coming from Mumbai Puni you’ve got a lot of people and nightlife going. I really wanted the same lifestyle. So I’ve never seen a suburban life before that and it was very hard for me to decide which area and where am I going to buy this property, because I didn’t want to go out of the city, and I knew the city was not going to be sustainable option long term if it’s going to be my house. 

So they just kind of things putting off but trying to really, really get that going and did a lot of research around that, and that’s when I actually started learning a lot about property and I said, “Wow, okay, so there are indicators, how you know that people want to buy it for reasons because of good schools out there or you know people just like the lifestyle, the people or specifically coming from India.” At the time there was a lot of migration from know from an Indian community perspective and a lot of people were going in north of Melbourne and west of Melbourne, and I said well let me see where my friends are going and I want to just tag along. And a lot of people chose those two predominant locations and I said well if you have to live within the community, then probably just follow and see where this takes you. And then finally for me, the answer was west of Melbourne, where I wanted to really buy a property based on affordability as well and the other economics that actually stood around it, and I said this is a good area an area of growth where I think eventually this is going to pay off. 

So that’s what happened. So I’m very happy that I chose the right investment of the first home buyer. 

Since buying his first property, Aggarwal has now grown his portfolio and bought his second investment interstate.

I’ve got another one going up in Brisbane just north of Brisbane which I bought a couple of years ago, bought land and build on it. 

“I got the habit of saving now how do I take this to the next level and where can I actually take this to so I can actually get more financial freedom.”
-Anubhav Aggarwal

So it’s rented out, doesn’t cost me anything really to keep it going after tax essentially. So I’m very happy with that investment as well so far.

Obviously a lot of investors have been pushed aside generally because of property prices in Melbourne and New South Wales but then obviously with the receding prices now I think they’re probably balancing it out. But having said a lot of infrastructure work going on up in Queensland. 

So I do see that there will be significant growth in the next few years in that space. 

Yeah, that is very, very true. This all adds up you know when you look at the macro perspective of how things are progressing up in Queensland, there is a lot of great things are happening in the system. It’s all about how fast will it move compared to say other states in Australia as well. 

Yeah, and no one has a crystal ball, right, you can only rely on indicators and exactly what’s happening and what you think it is and the biggest thing out of this is my own confidence of what I think will really happen in terms of you know how…you know, there’s a fair bit of intuition by the statistics that are actually used to buy properties. So I also bought another land recently in Tani which is also close to where I live and it was also about a year and a half ago, and that’s actually, you know, just return on equities is about more than 300 percent that I’ve actually seen. 

I’ve not even built on it as yet I’ve just recently settled and it’s going to go through another large big phase of growth. You know while people are saying Melbourne, don’t buy in Melbourne because property prices are falling, people have fear right now as prices have almost probably fallen back to 15, 20 percent. If you look at the east side it’s probably going to fall even more, while there are pockets in Melbourne that are significantly growing in the same economy. 

So I’ve got a bit of an eye for finding the right place or what I think is going to happen in the next because for me it’s long term, it’s not a short term trade-off. So for a long term perspective, you know where migration is happening generally from population perspective the demographics of the space. So for me strategy really plays and I look at it from that perspective before I zoom in to the area and how I want to buy the specific property and so forth. 

So far in his investing journey, Aggarwal has struggled with balancing the opinions of friends and family and making the best investment decision for himself.

I think it was during the first home buying, right, that it was really really hard to take action because there’s just so much information out there. It just gets so confusing at the end of it. And then you’ve got your friends and family around you and it actually makes it even worse because not really helping the situation, because you’ve got certain ideas in your mind in what you want to do and how you want it, where you want. 

You know everyone’s got an opinion about it right and that’s really what caused the delay for me for the show. You know it took almost two years to actually buy my own first property and I’m like well like there’s so much info there that can really get confused. Okay, well, start focusing on you know really on specific areas, research hard enough that actually you can make your own decision as opposed to listening to people. Right. That was the hardest for me to take an action just because of the amount of information out there. The second investment up in Brisbane was a lot easier for me and the challenging component was that, should I be buying in Melbourne or I should actually diversify and actually go elsewhere? And a point in time and again lots of people are talking about no, no, the prices are going to fall which actually has happened in Melbourne. This is about two years ago. So we are seeing that right now in New South Wales and Victoria. So oh no, no, we should be buying it here and you know you should buy it here. Everyone’s flocking up to Queensland because that’s the next safe haven area and that’s what we should be doing, and as I’m looking at that area and you know generally overall Queensland, how does it perform at the macro level, what’s happening there. And then I said, “Okay, well, you know what am that I’m an investor, I look at things differently for me,” and then it was shifting from ‘I love this property’ to say ‘okay do the numbers stack up for me’, right. What am I trying to achieve and if I’m trying to achieve financial freedom, is this where it’s going to grow? And that’s really where I hit the mark and spoke to people and got some professional advice as well. And then my own decision to do this and do something up in that space. Yeah. So that’s how it happened.  

Yeah. There’s so much noise around you, lots of people with different opinions and it’s just hard to take action because you don’t know who to listen to but when you see reduced it down to just focusing on the facts and the information it is clear, that is real, without having so many opinions, you to able to overcome that situation and really to take action to purchase those properly first properly at least to get started. 

Exactly. And the present one did not take me long to actually buy it. I was like OK I’m ready for another investment and then you know looking at things that I did for the first one, Brisbane one was like, ‘Okay well a month of work here and there and then I’m done right’. This is what I’m doing, connections straight up and really got a very good deal, negotiated it off for myself and just went off of that. So I believe in taking actions. If you don’t take action, you’re not really going to do anything really, that information is useless. 

The Highlight of His Property Journey

On the positive end of the spectrum, the final split-second decision to purchase that Melbourne property is the highlight of his journey so far.

That’s the Tarneit one right which I mentioned and I’m like when this Brisbane one was happening, at this point in time, was for me to you know to look into it there was news around about you know Tarneit is going to grow massively and that’s the next epic centre point for us from a satellite perspective because of the satellite city that they’re building that to the next level, they probably don’t have the best education center up in that building. 

I think they’re building an international stadium a football stadium up in as well. And there’s a massive infrastructure going on in that space, which you know got that information and bumped into it and I said this is what I want to do. 

I want to buy one in Tarneit now and lock myself into this research area a little bit in about 10 days time, and I said, “Okay, well, I’ve got to know exactly where to buy and this is what I’m gonna do, I’m going to go to the developer, negotiate a price if I can.” And the developer actually showed me something there was not even released to the public as yet right. And he said, “This is a new project that’s coming up. It’s not even advertised anywhere,” and this is just a piece of paper that the developer had which showed he’d actually bought the huge parcels of land, and he said we’re going to go up in this in two to three months time. But this is available now. You want to pick up a lot. I actually bought it in stage one right back then and I was actually going for shopping into a shopping center, and had to stopped by to talk to the developer and I walked out of that thing actually buying one for myself. That’s how quick the decision was. All right without any paperwork, apart from the contract, without actually having any plans apart from one piece of paper that he held in his hand, it was a fairly renowned developer from my perspective, so I wouldn’t risk it otherwise. And I got that confidence and the feeling or what was really going on, and I said I’m walking out with this. I actually paid the deposit, I took up his laptop and I said you know what you want to transfer the funds and you want this now. 

Give me your laptop and I’ll transfer the funds to you given the deposit, and I walked out with a receipt and a contract in hand. 

That’s definitely taking action.

And that’s the one that’s grown 300 percent right now just in such a short period of time just simply sitting on the land for now. 

And that was a wow moment now when I look back and I’m like yes I had a bit of a risk factor there, but it was a calculated risk because you know that things are going to grow in this space anyway. 

Yeah, that’s amazing, absolutely amazing. 

Capital Growth in Blue Chip Suburbs with Anubhav Aggarwal

calculate investment return

He has now purchased properties in both Melbourne and Brisbane and is ready to continue growing his portfolio. He opens up regarding his investment strategy going forward.

For me now it’s all about capital growth. So for me, my next investment would be more under blue-chip suburbs. 

But I actually want to see the capital growth myself whereas previously it was more about tax reduction and you know locking up some naturally or away from negative basically leveraging the negative getting that we have to really maximize my tax benefits out of that right. But if I truly believe that the only way to actually really be financially free is with capital growth and actually taking the equity out or actually if you have to sell that on the line after few properties to pay down the debt then you know that would be the right way to actually get to the financial freedom because that goal still exists. And the idea is to build a portfolio of 10 to 15 properties in good suburbs pretty much that can actually pay off in the long term. And then and then you can bet down your or your debts as early as you can so and so but again it’s a shift of you know depending on how your life’s journey is going because this was a spirit you’ve got married you watch good children things change your cash flow changes. 

So the strategy seems according to that right now that it is all about cash flow and that’s probably going to be one of the other targets as well. Someone have a look at something that’s going to give them more positive cash flow so maybe you look at things it might be another option that I’m looking to as alongside the capital growth to keep the two things flowing at the same time form. 

That’s really interesting and it’s great that you’re able to adapt to different strategies based on the time know in your life as well. Because obviously we’re not going to be the same 10 years from now but at the moment it’s also adapting to the market as well. So with the changing market like now as it is with Melbourne Sydney sort of having a little bit of a slowdown but the other markets in the other states what have you found to be sort of a good strategy that you’ve been recommending to your clients. 

So most of my clients right now from Victoria and while I’ve been talking to them about investing in other states people actually want us to continue buying Victoria and they want to buy something close to their home where they actually live right now because the whole idea is that I was seeing probably fall significantly right now and there are things in the news that you know you’re going to for another 20 25 percent before it actually bottoms out by the end of 2020. I think there’s there’s just so much opportunity anywhere in the country right now. And if you actually know those true suburbs that are actually growing of troll this is the time to negotiate hard. And I’m actually talking to I was talking to a buyer. So one of the prospects who got introduced to an old friend just three days ago and he said we just had this tiny conversation and I said you know what you’re looking at buying in tiny like and I don’t want that. I’ve seen property prices go down. I said my experience is mine has gone up significantly different. So same themes that we’re talking about but it’s how you look at the information and what you look at to really make that decision. So by the end of that conversation I actually can mention that I was a very good investment back and they really look me and I feel the same across the country actually apart from obviously both are still picking up right now it’s still in that you know if you look at the project log smartly yet they can not far behind it is. 

But I think Hobart is it’s got what can to do you know. 

And I think women’s land is really the next big area to actually really focus on. Yeah, I’m actually looking to talk to clients more about you know opportunities within Queensland and more closer to Brisbane than anything else. So people can actually get that benefit and get in the early days. So there’s still a lot of potential and opportunity before it actually gets to that state in the next five to seven years before it picks out. 

Aggarwal shares how he works to put himself in the shoes of his clients, to understand their buying needs.

I was saying I am saying I want to buy this bird and this is my this is my belief I’m like Hang on lets before you even get in to what you want to buy and where you want to buy let’s understand what’s trying to achieve that and what is your strategy and what do you even have one day and my that’s exactly what I do as part of mine. 

My consultation first consultation to really know your Well what’s been your journey how it’s information or knowledge do you have in the property space how many westerns you’ve had what do you want to do how Zeel myself going or the sort of thing that actually hurts then you know helping the plane better because now we know what’s going on what he wants to do and really try personalizing that what I do here for myself and then putting myself in their shoes and helping them out in a similar fashion. 

calculate investment return

Yeah and that’s so important to do because if you don’t understand a situation they just go well in healing buying a property. And guess what Hino, they might get themselves into a little bit of trouble and that’s what usually happens and that’s the reason we’re having a buyer’s agent with some knowledge and guidance actually makes it a lot of lot easier and also a lot more risk free I guess you minimize the risk as well too. 

Exactly. Absolutely. And I am beside the point that people have to spend months and months looking at properties and keep you know before they battle out you know they would really buy and skill one and only deny that you know the price point. 

Are they actually buying it is not suitable for them? 

So I’ll say it really comes down to eating strategies a big item of everything buying a property anyone can really put the money on the table and you’ve done your job. But it’s not going to really give you back and it’s not going to achieve your goal in the long term or short term then that becomes meaningless. 

Aggarwal’s Investment Mindset

Having come so far on his journey, he shares why he does what he does, and his mindset behind investment decisions.

The why component really is I wanted to retire as quickly as they can right and I want to have time for my family. 

We talked about some time right now I’m trying to put in the insane hours to really get my own business going. I think in the long term with my investment goals and with my business that’s going to give me enough flexibility to be able to do what I want to do and I want to do and really be around my family. So I’ve got a four-year-old right now you know and every day in the morning it almost seems like there’s enough pain for me there to leave her at home and she’s looking in my eye and saying Daddy please come back home early. And for me that is a moment everyday face and like I don’t want to go today to work but I have to do this. 

And that’s the biggest rival for me. Do you really change that all as quickly as I can while she’s growing up and b for her wherever she is she wants me to be and really spends time with the right? But you can only do that with the very sound knowledge and strategy and really getting your mindset right. Actually, you know coming out of the bad times and really leveraging the opportunities and looking around what’s whatever debt available and what’s feasible to be able to jump into in and get things going for yourself. 

Yeah, that’s right. So having a four-year-old what’s it like because I could definitely relate to you because I have two kids as well. Around the same age Hendo you know from experience as a father it’s challenging but you know to be interesting to hear from your point of view. What’s it like having a 4-year-old. 

Oh my God, it’s you know that fear I thought was bad for you it’s getting even worse. So so my I have a daughter now so he’s you know he said Daddy and daughter go together. So so so when I’m a home mum is not supposed to be anywhere like Daddy daddy daddy everywhere right. And she is literally bossing me already. She is like Daddy this is what I want to do. She chooses what I should read in the morning how I should do. I mean literally I’ve got nothing else to do but to listen to her because at the moment I’m on the phone or on my laptop. Nobody closes with me right you know. So I mean you know sometimes you have to get things done from home do you just have that choice and you can’t and in the world of technology but the mobile phones being so easy for us to get on at any point in time you know it’s just hard to keep your phone away. Right. And you and your children are actually the right people to make you realize that they are important and you’re taking their time away. And this is a hard problem right now where you know you keep your phones and extra you’re at your dinner tables or things like that. But then you’re actually on it. And for me, it’s like it’s not really working very well and I’m now trying to change that habit to stay that way. I want to make sure I don’t do this again and consciously keep my phone in my pocket or way was I’m actually spending some time with her and quality time which she really values for so long so that’s what it is. But she’s my absolute load and I just want to make sure I can do whatever I can for her. 

“The ‘why’ component really is I wanted to retire as quickly as they can right and I want to have the time for my family. “
– Anubhav Aggarwal

Oh that’s so lovely and I mean that’s a great testimonial to you know I cute as well because they’re the ones who are so sort of silence when the ground does what it is because they’ve never they’ve come out of in this world without any knowledge of what is going around and because technology has been something that’s influenced a lot of us in this generation a lot we tend to you know go realize wow you know there are simple things in life just the hygiene and just seeing our daughter in kids and stuff like that. It just changes everything so it kind of puts things back in perspective because it’s so so easy to chase what’s going on around us as well and try and help my clients. 

So yes and the other one for me is really for her like you know she’s been saying can you take me along with you to your face and you know it was something to jobs at this point in time I can’t really take where they actually were but then when I see six girls and really go home and my business then I can take me everywhere I want and she can probably help me down the line and it just becomes a legacy for me to pass it on to her underlying community. That’s my real end goal anyway. 

Before becoming a buyer’s agent, Aggarwal sought out advice from a renowned buyer’s agent.

From getting into the business I think he was he was a great catalyst to get into this sort of business because I was looking at something from the buyers’ perspective. But I didn’t have any structure around how difficult it is really want to work at night and then bumping into Ben Handler. You know it was a life-changing moment for me. And when I spoke to him about it and he is such a calm man and such a great personality to be someone in your in your friend list do you really bounce ideas off and get things going so he’s helped a lot in the journey is actually you know maybe shifting the mindset as a way to actually say okay you know what is it that you’re really looking for. Why anybody questioning everything to do with feeling that you know it’s all making sense now and it’s getting more clear for me to you know I can see there’s a vision and I can see myself doing this art and then with Ben’s experience around this business you know it’s that again for me take the action now and let’s do it right now we learn the way. But it’s like it sounds right it aligns with my strategic goals and I want to do things right. I’m passionate about property anyway so. So it really makes sense that you know let’s just get on there and there’s a structure he’s got everything down debt as a blueprint. You just have to follow it. Yes. Yeah. So that’s exactly what I’m actually doing right now and trying to accelerate as early as I can with my current situation. 

Fantastic. And have you had any other mentors who have helped you in terms of the investing side as well? Prior to meeting Ben. 

Not really. Not from an investment perspective but in general from you know just as a professional cross. I’ve had lots of mentors and a large organisation and a few of them that are that have being my mentors for quite some time so the people who’ve really seen me grow in the last 10 years in this organisation because I’ve been in this organization for almost 13 years now since ever since I ever left my degree this was the first job that I take professionally and I’m still in the same organization right now. So I’ve grown in this organization over these years and people are seeing me transforming my way of thinking how I do how I act and you know how I help my clients because I’m in the consulting business anyway and a lot of that is in I’m meeting clients professionally and actually helping them from the technology aspect and the skills and you know with the mentorship around that face of how to be a good leader and really run the business. I’ve actually taken those skills and expertise out and now trying to apply them to my own eyes is insidiousness as well fantastic and it Birsa skills you can’t buy you notice have been easy.  

You can only learn through experience and by doing those it’s going to be something that will help you grow your business substantially in the future as well. 

Exactly and I’ve seen all the ups and downs in the business that they know exactly you know when things don’t work or you should be doing to really stand up in front of me and said you were talking about right. 

If you can keep a strong mindset and you actually keep encouraging yourselves which is really really really really hard when things are not going as as as good as you know they should have then you know that’s the time when your mindset kicks in really keep that head high and have a leadership mindset and that ownership mindset and their entrepreneurial mindset to keep going no matter what comes your way and then and then you feel you become your successes. 

The Resources Aggarwal Has Used 

Aggarwal shares some of the books and resources he has found helpful along the way, including the one he is reading now.

I recently I haven’t finished it yet but this is what Ben has suggested in the protocol by Gordon said citing. 

It’s called The Purple Cow 

Yep, yep by Seth Gordon is that right? 

Seth Gordon. yes. 

So I think that’s a great book too how to be a differentiator and it doesn’t matter which part of the necessary business or job you’re doing. I think it actually really helps you to think differently and stand out. So that was that’s a big one today. 

And then there was the other one which was the rich dad or dad on the entrepreneur side. So they talked about a lot about actually the name of the book will probably come back to you. But there was you know they have a mindset quadrant and they look at how you see yourselves whether you are self-employed or losses doing an employee as an investment or you’re a business owner Ray Mexico’s drug and cash flow quite a bit like a cash flow quadrant exactly that particular chapter stuck in their mind. 

calculate investment return

And there was a moment as I said I’m in the employee quadrant and I want to get into all investments. 

I want to get into the business quadrant you know in a way that actually scale it up and actually is in the place that actually I can achieve my financial freedom. That book was awesome. I had to really shift this. For me, it was probably a catalyst for me to take this to the next level. 

That is great to hear. It’s amazing just so most books just have such a huge impact even though it’s so short to read but they really really do help a lot. What. And also change the mindset. Because if we don’t know what to do with ourselves we need to go out and find the people or the books resources to sort of supporting us and that talent is phenomenal. 

I wanted to go to the seminar Robert Kiyosaki would actually be missed that recently happened in Australia so once I saw it happen the next I definitely want to go. 

There is so much learning out there on some of these great visionaries. 



I mean you never know which piece is really going to trigger and very change your life forever. 

Aggarwal shares the best advice he’s ever received on his property journey.

My best advice and what I’ve received is like you know sometimes things are confusing for you in your was at a point where you know you have to choose a path you want to go down maybe take a step back and think broadly zoom out and just look around and and and you you you you never know by digging one step back you might be able to you know to take a. 

Take a big leap ahead. So that’s something which actually really happened to me as well as part of my journey and I’m in a situation where I don’t know what’s going on it’s pretty unclear. I normally do that is just stopped and you know just pause and really maybe get out really really look around and reassess your One Self. Ray Yep that’s one. The second is that you know it’s a natural human tendency that when you see success and people see you succeed. People generally tend to be they get jealous or pull you down and they don’t get you to know you’ve got to keep all stuff away and really don’t devalue yourself you know just because listening to people’s opinions and what they’re saying right now that all that is noise getaway you know your values. And that and that obviously you know just keep going what you think it is and follow your passion and take action. 

Aggarwal’s Personal Habits For Success

In terms of personal habits, Aggarwal understands the importance of exercise and meditation to keep his mindset at it’s best.

Yes has recently changed had it so lost. I’ve got quite a bit of weight because I’ve actually started getting into a bit of Nobilis so I started doing a lot of walking and a bit more looking after my health. So that’s really helped me also to my not only my body but my mind as well and started being a little bit of meditation as well. 

And if I can do this I’m just travelling this close my eyes to a bit of deep breathing sort of things really helps you relax down so. 

So those things are really helping even to keep myself calm you know in physical things and also helping my business as well as it brings more clarity to my mind. 

You know so good meditation is the key. I think. 

Meditation is really. 

Yeah, yeah. 

It’s actually practicing a lot about truly human right now at my organization and it’s all about body soul mind and heart. 

So it’s really you know whilst everyone’s really busy doing what they’re doing it’s really focusing on the score to human areas and really being mindful that you know these exist and you need to make sure that you practice or do something around it change your habits a little bit and that can have profound difference in how you do what you do. 

If Aggarwal could reach out to his younger self, he would say this:

I never said that to him that I wish you had more experience up front and you did things that you could have done 15 years ago which you don’t learning today. Right, so it’s always what you know now you should have known yesterday that. And really not to listen to a lot of people around you but really follow your heart and your passion.

In the next 5 years, he is looking forward to expanding his own portfolio and continuing to help other people do the same.

Looking right now was my investment going alongside. I’m actually very passionate about it. 

It’s giving me a lot of satisfaction actually helping people and it’s not because I actually now started my own business I was doing this anyway as an advice to people before that or when people are taking action on my advice. That’s really really giving me a lot of faith to go and try to help people out. And it’s really working well for them whether they take an action or not that’s up to them you know really advising and then actually getting educated about what is out there and then you can take your own decisions right and so that that is something that’s really working well for me and as part of that there’s a lot of learning for me as well because kind of questions that come back you know and the kind of thinking that people have on the ground. Also, you know you make makes you think as well that oh maybe there’s another way to talk to certain clients and apply that in your own investment journey right as well. So so so that’s been quite wonderful for me. 

In terms of luck versus skill, Aggarwal says he has never relied on luck to get him ahead in life.

Like I don’t believe in was that is luck but I don’t rely on it because I wouldn’t be here if I was all about luck. It’s I think 95 percent is all about you know what you do how you think and how you going to act on that day. 

And was yes you know there are elements that you like I said of exchanges everywhere. You just need to be conscious about what you’re doing now you’re doing it and the support that you have to be able to take it to the next level and level playing as you put it more hardworking your time and energy the positive energy that will actually slowing and will have a positive impact on you. 

If you’d like to get in touch with Anubhav Aggarwal or learn more about his buyers’ agency, here’s the best way to do it:

Absolutely. So my business is up and running it’s going sign my real estate. You can always hop on to my website which is There’s all the information available there. You can actually email me my contact information is out there and I can help you further. 

This episode was produced by Ashlyne Ocampo with narrations and interviews conducted by Tyrone Shum.

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