Investments

When we talk of ‘investments’ or ‘investing’ we are referring to the use of financial vehicles/structures for the purpose of building wealth over a medium to long term time frame. i.e. 3 to 5 years plus.

We refer to bank accounts, Cash Management Accounts, Term Deposits and the like, as ‘savings’ vehicles rather than investments. However, these types of facilities play an important role in a person’s investment plan, by providing liquidity for funds that may be required in the shorter term.

Superannuation is also an investment, as such, but one that is generally for the longer term only. Superannuation is discussed separately elsewhere.

There is never a better time to start creating wealth than now. You don't need a large lump sum to be able to create wealth. Wealth creation is a process of combining your current resources with investment strategies that will provide sufficient capital to meet your immediate or future capital needs.

The Australian investment market place is one of the most complex and diverse markets in the world. We can help you understand the many avenues of investments available to you, the terminology related to these and explain some of the strategies that can be utilised, such as ‘dollar cost averaging’ and ‘gearing’ etc.

When you think about creating wealth you should ask the following questions:

What is my investment time frame?
What do I want to achieve?
What are the tax consequences to me of a particular strategy?
Do I understand the risks?
Do I accept the risks?
What are my available resources?
Will I need access to my investments along the way?
How do I get started?

Remember, you do not have to have a lot of money to get started.

We will be able to advise you on what type of asset classes and products may be suitable to your needs in the following areas:

Managed Funds
Gearing
Salary Sacrifice (superannuation)
Property
Fixed Interest