The Age businessman David Taylor with racehorse Black Caviar. Supplied image filed 18th Jan 2012

David Taylor reckons Black Caviar, even with her astonishing success, has just been the icing on the cake.

People scratch their heads when businessman David Taylor tells them he works a nine-to-five job.

After all, why would a co-owner of legendary racehorse Black Caviar even need to work?

''Everyone thinks that we've made an absolute fortune out of Black Caviar,'' Taylor said. ''The whole idea at the time of buying the horse was to have a lunch, entertain our friends and have a good time. The way it's gone, that's very, very much the case - we've had up to 150 people at a race meeting, we entertain for lunch and dinner, we take them out afterwards.

Retirement wasn't stimulating enough for David Taylor, who founded business KristalBond two years ago.

Retirement wasn't stimulating enough for Taylor, who founded business KristalBond two years ago. Photo: Mal Fairclough

''So, we've had a great time and that's what it's all about, not necessarily making money.''

Taylor and his wife Jill invested $35,000 in Black Caviar to co-own the mare with four other couples whom Taylor has known for years.

The phenomenal success of Black Caviar - she has won $6.4 million in career prizemoney - is just the icing on the cake for this businessman with the Midas touch.

Taylor made his name in real estate. He went from sales manager to owner of the now obsolete agency BS Howell, where he built up the business from one office to six.

He eventually sold the company and opened a new company, trading as Barry Plant, which he built up to four offices.

In 36 years in real estate, he has auctioned more than 3000 properties and through each of his offices, privately sold thousands of homes.

Such was his success, he retired at age 45 while retaining ownership of the business.

Taylor did everything on the retirement checklist: renovated, golfed, sailed, lunched. But after three years, it turned out retirement just wasn't stimulating enough.

''I coined a new phrase: 'All leisure is no pleasure','' he said. ''I decided I would never retire again.''

He returned to real estate, but felt a desire to do something that would make a difference.

''Whilst real estate was wonderful to me and it is a necessary thing for the public to have that service, it really doesn't add any value,'' Taylor said. ''So, I was always looking around for something I could do that would add value.''

Two years ago he founded KristalBond, a business that shares the name of the window coating that reduces summer temperatures by 10 degrees, shuts out UV rays and increases winter temperatures by up to 30 per cent.

''When I first looked at [KristalBond], it was coming towards the end of the drought and there was a lot of talk about what energy costs are doing,'' Taylor said.

''Some people in Sydney had the rights to it but had done nothing with it. They wanted to offload it, so I decided to get involved.

''It's a feel-good product. You're making people's lives more comfortable, you're saving them money on energy costs and you're limiting carbon emissions and therefore contributing to the environment.''

In the past 18 months, KristalBond has been applied to windows in more than 500 homes and commercial properties in Melbourne. The service costs between $2100 and $2500 for the average three-bedroom house.

There are currently six employees at KristalBond's Melbourne office. In the future, Taylor hopes to open up to 180 franchise offices with the help of a further six master franchisees.

While the future holds the promise of franchising opportunities and plans to expand KristalBond's range of energy-saving products, there are solid challenges.

There are no government subsidies for window-coating products such as KristalBond. And, with the federal government phasing out its credit scheme for solar panels, KristalBond is unlikely to attract any similar subsidies in the foreseeable future.

Add to this a continuing slump in consumer discretionary spending and you've got a tricky market.

But Taylor is sure that, like his phenomenal racehorse, his company will go the distance. ''We're very confident that, despite the economy, once we start franchising it around Australia and New Zealand, which is the intent, we'll get a very sizeable slice of the market,'' he said.

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