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Wealth creation strategies

There are many ways a person can accumulate wealth. In simple terms, this involves careful investing into growth assets over a long period of time in order to achieve a regular income stream that will ensure a continuation of your lifestyle during retirement.

Why do you need to put a financial plan in place?

Clear direction to help achieve your goals can be formulated within a financial plan. Your financial plan can be likened to a road map. It will take into consideration your current situation, goals and objectives, and change in line with your future circumstances.

Why is it important to harness the power of regular investing?

Making your money work harder for you is good practice and the easiest way to do it is to harness the power of regular investing. Investing regularly over a long period of time allows you to take advantage of compounding investment returns.

What types of strategies are available?

Two of the main wealth accumulation strategies involve superannuation and investment gearing.


Maximizing your superannuation as part of a wealth accumulation strategy starts with improving your knowledge. You can consider salary sacrificing into your super as a way of increasing your super balance for the future with potential tax benefits. The potential tax advantage for employees is that salary sacrificed contributions are taxed at the rate of 15 per cent going into the super fund, compared with cash salary, which is taxed at your marginal tax rate.

Our financial advisers can assist you to work out whether you would benefit from making additional superannuation contributions or even access the co-contribution scheme based on your goals and objectives.

Investment gearing

Investment gearing is simply borrowing to invest. Gearing enables you to invest larger sums of money. Recent market volatility and uncertainty has somewhat reduced the appeal of investment gearing but it remains a legitimate strategy.

Investment gearing offers potential tax advantages when expenses exceed income. This is commonly known as negative gearing. This may reduce your assessable income for tax purposes, but be mindful that it is not appropriate for all people.

Investment gearing can provide magnified investment returns; however, it can also magnify your losses. Complex in nature, the risks of this strategy are best discussed with our financial advisers who can help you determine whether or not it is appropriate for you.

Get assistance with your strategy

Your wealth accumulation strategy needs to take into account many different aspects of your personal circumstances. If you require assistance with your wealth accumulation strategy please contact us by email.



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