Investment Advice
Most Australians consider investing to be a process only for people who earn a certain amount but anyone can — and should — develop a wealth creation plan. The most effective way to build assets over time is via strategic financial planning and sound financial advice.
How do I start investing?
While we are conditioned to accrue wealth over time, without the right advice and guidance, you can miss out on valuable investment and saving opportunities. Qualified financial advisers can devise personalised wealth creation strategies to help you build and secure your wealth, secure your retirement, or invest in further assets.
While the best way to build your wealth differs according to your financial situation, there are some common strategies that all Australians should strive to do. Firstly, clear all your non-mortgage debts. You should do this before saving or investing your money to avoid paying unnecessary interest. Next, start saving as much as you can. Every household should aim to have between 3 and 12 months of living expenses saved.
What are the benefits of investing?
By investing, you can grow your overall wealth profile, which can ensure you and your family’s financial situation is secure both now, and into the future. The benefits of a good investment strategy is, if prepared and diversified correctly, when investments go down in value, other investments may go up in value, giving you the best defence against a single investment failing. Diversification lowers your portfolio’s risk. Ultimately, investing has many benefits; it’s a great way to grow your money over the long term, allows you to have a savings strategy for your retirement, and offers the opportunity to earn higher rates of return than a savings bank account. The sooner you start investing and building wealth, the sooner you can reach your financial goals.
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Self-managed super funds
A Self-Managed Super Fund (SMSF) ensures you retain control over how your retirement funds are invested. While a SMSF can be complicated, our professional advisers are experienced in establishing SMSF and will help guide you in making a suitable decision for diversified investment strategies and management of the fund.
Learn more about SMSFInvesting in property
Owning an investment property is a goal for many Australians, but it is different to owning a home that you live in yourself. To make sure you get the most appropriate loan to suit your property investment goals, you should speak with our finance team.
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