Pathway to Wealth Guide – 7. Build a Professionally Managed Share Portfolio 2

The Benefits of Investment Diversification. When it comes to financial management, no single investment will continually outperform all other investments all of the time. To minimise potential losses and to smooth your investment returns over the longer term, you should spread your portfolio across various investments. But that can be easier said than done so […]

Pathway to Wealth Guide – 7. Build a Professionally Managed Share Portfolio 1

THE POWER OF ‘AVERAGE’. When financial markets experience volatility, many investors obviously worry; but what are the real effects of a “volatile market”? If you are a long-term investor, with a timeframe of five years or more, you cannot afford to overlook the benefits of growth investments such as shares or property. As an astute […]

Pathway to Wealth Guide – 6. Smart Super Strategies 3

Superannuation Review

Is It Time For A Super Review? Picture this… when you were 21 years old your well-meaning but financially inept uncle put $1,000 into an ordinary bank account for you with instructions to leave it there and let the bank’s interest turn it into a fortune. You followed his directions only to discover 34 years […]

Pathway to Wealth Guide – 6. Smart Super Strategies 2

Super Splitting

The Benefits of Super Splitting. Some superannuation funds allow you to split employer or tax deductible contributions with your spouse. Why would you do it? These four case studies show possible benefits. Case 1 Dave and Beth are 52 and want to retire when they are 56 in order to access their superannuation. Dave has […]

Pathway to Wealth Guide – 6. Smart Super Strategies 1

Boost Your super Before June 30 The end of the financial year is rapidly approaching and, along with it, the opportunity to claim a tax deduction on additional superannuation contributions. Why contribute more to super? Superannuation does impose restrictions on access to your money. It is, after all, intended to provide for your retirement. So […]

Pathway to Wealth Guide – 5. Own An Investment Property

Entering the Investment Property Market. Purchasing a property for investment purposes can involve a different set of considerations compared to purchasing a home to live in. Here are some tips to get you started.   Which Rental Market? First, decide if your property will cater for the budget rental market, mid-level rentals or the executive […]

You’ve Paid Off Your Mortgage! Now What?

Paid off your mortgage? Woo-hoo! Break out the champagne and celebrate the freedom you must now feel! But once the dizzy excitement has passed, what will you do next? Discharge or not? The first question is should you discharge your mortgage? You can keep the loan facility open, with a zero balance, and retain the […]

Pathway to Wealth Guide – 4. Manage Your Borrowings Wisely

Borrowing to Invest. Borrowing, or gearing, can help you accelerate your wealth creation. It can allow you to buy assets such as an investment property, or shares that you may not be able to afford outright. By borrowing money to invest, you could potentially multiply your investment profits and achieve your wealth goals sooner. Note however […]

Pathway to Wealth Guide – 3. Own Your Own Home

How To Own Your Home Earlier One of the biggest financial commitments most of us will ever make is the mortgage on our home. So it is no surprise that the potential savings from adopting a smart mortgage strategy can also be remarkable.   TAKE THIS EXAMPLE… Our clients, Steve and Nicole purchased a home […]

Pathway to Wealth Guide – 2. Invest the Difference in Good Quality Growth Assets

The Foundations of Successful Investing Establishing an investment portfolio can be likened to building a home. The most destructive, yet unpredictable predator to the structure of a home is the weather. Even in these most technically advanced days, we are still unable to accurately predict the weather. And so too, a man is a fool […]