Wealth Creation
WEALTH CREATION
Creating future wealth is the key to securing your financial future.
-
Tax Free Earnings
-
Property and Shares
-
Smart Investment Strategies
-
Master Fund Flexibility
TaX FREE EARNINGS
Tax is an investment expense that reduces overall investment performance and therefore future wealth. There are legitimate tax minimisation strategies (not tax avoidance) that investors can utilise.
These include holding investments in the name of the person with the lowest marginal tax rate, dividend imputation and tax free earnings in market linked pensions.
Tax offsets/credits can sometimes effectively reduce tax to nil.
It is important to stress we are not tax advisers and any tax related advice should be confirmed as suitable by a registered tax agent for your personal circumstances.
PROPERTY & SHARES
Growth investments are vital in building your future wealth. We don’t provide advice on purchasing or portfolio holdings of direct shares. We believe this is best handled by an organisation/broker with a comprehensive team of investment analysts such as Macquarie Equities.
We do however advise an managed share funds’ their advantages and disadvantages relative to direct shares and the selection of the most appropriate fund from a wide choice of managers and choice of owner for general tax purposes.
We give general advice on some of the important aspects of residential property investment including’ choice of owner, getting mortgage advice and loan types, general tax deductions, insuring against tenant problems and interest rate risks and ways to manage them.
We do not give advice on selection or suitability of specific properties for investment this is the job of a licensed real estate agent.
SMART INVESTMENT STRATEGIES
These strategies help grow your future wealth. These include but are not limited to;
- Holding investment in the name of the person with the lowest marginal tax rate for non-geared investments.
- Dividend Imputation to reduce or eliminate tax.
- Gifting for those on Centrelink benefits to increase benefits.
- Salary Sacrifice to reduce tax and build retirement benefits.
- Transition to retirement allocated pensions especially for the over age 60 combined with salary sacrifice to gain extra retirement funds at nil cost and save on tax.
- Effectively get the government to pay for or subsidise your life cover if you qualify for the government co-contribution.
- Reducing assessable assets for those between age 55 and 65 to gain extra Centrelink benefits without gifting away money.
MASTER FUND FLEXIBILITY
A key to simplifying your wealth creation investments, Masterfunds provide a comprehensive solution to your investment, Superannuation and retirement needs.
Masterfunds provide choice and flexibility through an extensive choice of carefully selected investments funds. Investors can select a basket of investment funds from leading Australian and International managers that suits their risk profile. Clients can readily switch investment funds if necessary without changing the Masterfund.
They give investors both convenience and control through extensive service including ongoing administration, consolidated reporting (simplifies paperwork) and online account management. We us a number of Masterfunds to meet differing client needs for investment choice.