1 House and land pakages: 
If you invest in house and land packages, you are buying something that the developer has already made the money on. There is no money for you to make other than sit back and wait for the market to move. so you are relying on something happening that you can't control. if the market goes up, great you might get a return. But if it doesn't go sideways, or it sits for a while, you will not get any return.
so we are talking about return now, not talking about buying your own home. you can buy whatever you want for yourself. But if you are buying an investment, a house and land package is what i call a developer's profit. all of these properties are sold through marketing company, and marketing company typically add 10% to 20% of cost on the top of total cost of the property to sell it to you. That what they will charge with you marketing fee. So you are paying 10% to 20% over the market, just to get into one of these things, and you have got not any land to be able to do anything with. They are normally in tiny little blocks. So you are restricted in every way. You are buying an end of the line product and that's why you could do much better buying other things than buying house and land package.
2 Apartments
Just think about it, How much land you control when you buy an apartment? very little right?
And it is the land content that gives you the ability to able to manufacture growth.
Again, a lot of these are sold off the plan. Off the plan apartments means, it will be built sometimes in future, you never know when it will be built, you don't know what you will be getting, how it look like. Even, you don't know builders is going to broke in the meantime. you don't know weather you are even going to have a job to be able to afford the property. you signing the unconditional contract of the property that you have to settle on this property. You don't know what the financing is going to be, will the bank going to give money to buy it. This is one of the highest risk strategies you can go into and particularly on off the plan building. so, there is much better other things you can do and i think this is one of the risk strategies because there is so much uncertainties before you end up getting the properties.
3 Townhouse
It is more about the fact that, again townhouse is an end of the line product. They are typically, off the plan. They are properties that you can't manufacture growth on. You have got a body corporate in there, that's dictating to you.
