You might already be a client, or you could have attended one of our wealth creation seminars, regardless; today I’m thrilled to have the opportunity to introduce some innovative ways you can both build your wealth and save on tax.

But before we begin, you need to ask yourself the biggest of all questions. 

Are you prepared to get in the game or are you going to remain on the side line of opportunity?

And I hope today, I can both motivate you and inspire you to start investing for your own sake.   

Let’s begin by revisiting some investment basics.

Rule number one.

Buy low and sell high. Simple isn’t it.

Rule number two. 

Understand how the share market operates. Appreciating that share markets go up and down in cycles.

Rule number three.

Always keep yourself open to investment opportunities. Remembering markets work in cycles and the best buying opportunities open for you up when the investment crowd feel least comfortable.

And finally…

Rule number four.

Invest with your head not your heart. This means doing due diligence when selecting your investments and blocking out the noise of the investment media.

I believe the time to invest is now!

Today the Australian and international share markets currently sit 15 to 20 percent lower than it was; only six months ago. The financial and property sectors have seen even greater falls dropping more than 30%.

This shake out has motivated many investors to flee to cash, and government bonds

Investing in a government bond is an income strategy with capital security however some shares are currently giving investors dividend yields just as much if not more than government bonds plus these shares have the potential for capital growth where your cash wont. 

So if you’re looking for both income and capital growth from your investments; today’s market is ripe with opportunities.

Companies are still continuing to make profits despite the recent selling. Two examples are CBA & BHP. The commonwealth bank had a record $2.3billion half year profit announced in February this year and BHP announced in august a $16.7 billion dollar profit for last year..

And although the higher Australian dollar may be hurting our exporters (except for the agricultural and mining sectors due to high demand for their products) a high Australian dollar means we have greater purchasing power when we are considering overseas investments.

Lastly we can’t ignore superannuation contributions. Each year massive amounts of money need to find a place to be invested.

Super contributions are continuing to grow year on year. Last year $42.7 billion flowed into super just before the end of the financial year, and on average employers are contributing 18 billion dollars every 12 weeks into super funds on behalf of employees.

This is a massive amount of cash that will continue to support not only the market but the capital growth of quality shares.

So if you agree with me that today’s market conditions are ripe with opportunities to start to invest our money into great companies, and specific fund managers how can we maximize this opportunity we have?

There are all kinds of investments out there in the market today, but this doesn’t mean they are all suitable. 

To find out what our clients wanted we conducted both in-house surveys and focus groups. And our clients set us really high expectations that they want in their investment features.

What you told us is they want everything firstly all the upside but none of the down. You want income so you don’t have to keep funding their investment loans, flexibility to exit your investment without huge penalties, be able to maximize their tax deductions, diversify your investments and be able to understand what you have invested in to.

We took on the challenge set us and we began our crusade to build the best strategy and portfolio we could to meet our clients needs.

 Firstly capital protection.

These products are unique as they allow investors to invest either their own or borrowed monies.

The benefit to investors is; that if the investment is less than the initial investment at the end of the term any shortfalls are returned back to the investor covering for any losses or better still if the investment has performed well, the investor gets to keep all of the gains.

For the investors that want leverage, that is borrowing to invest, so you can capitalize on the upswings in the market as well as legally attaining tax deductions.

Traditional loan products include margin loans, protected equity loans can be used. 

The problem with these products is the possibility of margin calls, and having to pay very high interest rates.Traditional protected loans can cost investors 15 percent per year or more in interest payments coupled with expensive fees if you wish to exit from the investment loan before term.

Today’s loan products are far more sophisticated, while still having similar features to the traditional investment lending vehicles.

Enhancements now enable investors to borrow and invest at margin lending rates without the risk of margin calls, also the ability to exit early from an investment without severe financial penalty. Some providers even invest in ways that produce a positive cash flow to investors above their costs of borrowing.

Better still we have simplified it for you by going to the market and doing all the groundwork and investigating for you. What we are pleased to present to you is a capital protected investment strategy that aims to deliver both regular income returns and capital growth.

Obviously the growth investments my clients and I have; have also taken a battering recently along with the rest of the market  however these investments are always been long term that is 5 to 7 years.

Each capital product we have researched have their own individual benefits and disadvantages however listening to our clients an blending these vehicles together, we have built a extremely robust and diversified portfolio that provides clients is regular cash flow 100% capital protection that choice to 100% finance and tax certainty.

So ask yourself again “Are you prepared to get in the game or are you going to remain on the side line of opportunity?”

We have a golden opportunity now to take advantage of investing in quality assets at discounted prices.

We have also been listening to you and have tailored some really unique and innovative strategies and products giving you financial certainty.

The decision is now over to you, and remember if you want to maximize your tax deductions before the financial year ends you need to act now.

If you would like more information on any of the products I have covered  email back “I’m very  interested“ email

Thanks for your time and see you soon.