Gearing for Investments

Margin lending is simply borrowing money to invest and is also commonly known as gearing. Borrowed money can then be invested in a number of ways – direct shares, property, managed funds etc.

 

Borrowing to increase your investment can be a way of speeding up your wealth creation as by having more money working for you can both accelerate your potential for capital gains (and losses).

 

Whilst borrowing money to increase your wealth may seem like a contradiction in terms, it can be one of the most powerful strategies available for tax-effective wealth creation.

 

A margin lending arrangement is one where the lender takes your investment assets as security and has the ability to impose a range of measures if your investment value falls below a set limit; this can include steps such as paying down your loan and either selling or buying investments.

 

Gearing carries an additional element of risk when compared to un-geared investment, so it’s important to seek professional advice to ascertain whether the strategy is right for you and help put in place appropriate risk management measures to ensure your strategy is sound.

Property

Whether you are looking to buy your first (or 10th) investment property or a family home; we can advise you on the “why” and “how” of buying property. We can also help with advanced property investment strategies including commercial real estate and buying a property within a Self-Managed Superannuation Fund (SMSF). Learn more

Superannuation & SMSF

We start with an analysis of your current super, explain your numerous options and then work with you to tailor a long-term plan that’s right for you. Advice strategies can include a range of contributions, tax minimisation, cost reduction, super consolidation, performance maximisation and specialist SMSF options. Learn more

Retirement

Whether you are already retired, in transition or just planning ahead, we can help you make the most of your resources by helping you to formulate a tax-effective investment strategy that caters to your lifestyle needs; taking into account Centrelink eligibility and estate planning concerns. Learn more

Estate Planning

Ensuring that your wealth is transferred according to your wishes, in a smooth and tax-effective manner, is key to your peace of mind. We can help you to plan for your dependants with efficient tax and ownership structures, revision and monitoring of your estate plan and income planning. Learn more

Insurance

Building your wealth is just as important as protecting it. Illness, injury and death all have a significant impact on both your family and finances. We can help to make sure that you look after yourself and your loved ones with an assessment of your financial risk and implementation of a tailored risk-management package. Learn more

Lending

Whether you are seeking to refinance your existing loans or are looking at using new debt to fund either personal, business or investment goals, we can assist by assessing your borrowing capacity, advising on loan structures, shopping around for an appropriate lender and making sure you have access to the most competitive interest rates. Learn more

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