We all have dreams of what we want to achieve before and in retirement. We can help you unlock your wealth opportunities.

Inside Super

Putting money into super is a tax effective way of saving for retirement. Super is important, especially if you consider that for many of us, super could be our biggest investment after our family home. And there are many benefits of investing in super, but that’s the wealth you’re building to enjoy your retirement, and to help you achieve your long-term aspirations. To make the most of your super, it’s important that you keep on top of changes to the super rules, and we can help you do that.

Outside Super

But life is about more than retirement. What about your short- and medium-term goals? Having savings outside of super gives you more flexibility, and the freedom to take that extended trip overseas, buy the sports car you’ve always dreamed of, have the ability to send your children to private school or even be able to put down a deposit for your first house. There are many ways to build your wealth outside super including investment property, managed funds, shares and investment bonds. Your choice will depend on how long you want to invest for and how much money you’re aiming to accumulate.

The power of leverage

There are many options available to you to grow your wealth outside of super and most people will be familiar with borrowing to invest, which is why investment property in Australia is so popular. Borrowing to invest may be tax effective as well, because the cost of loans taken for investment purposes may have the benefit of being tax deductible. What most people don’t know is that you can borrow to invest in non-property assets. This allows you to turn your small investment into a larger balance and invest this in a variety of investment options around the world. With interest rates at an all-time low, borrowing may be a cost-effective strategy for investors who are looking to increase their exposure to other investment options.