Investment



Want to multiply your wealth?

You don’t need a lot of money when you're building wealth. You do, however, need a plan.

Our experienced Beyond Bank Wealth Management financial planners will help you plan the big picture. We’ll work with you closely to find the investment strategy that’s right for you.

We believe in prosperity for the many, not the few. That’s why we offer financial planning advice to ensure our customers prosper over the long term.

Invest with expert advice.

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Investing for the future

Building wealth starts with the investment basics. Remember – investing takes time and knowledge, not just good luck, this applies to property investment or inveting shares.

Basic wealth-building strategies include:

  • Creating a budget
  • Saving money
  • Consolidating your debts
  • Borrowing to invest

Our wealth-creation strategies include managed funds, shares and borrowing to invest. Whatever your investment goals, we can help you to meet them in a tax-efficient way. You can manage all of your investments with the help of our experienced team of financial planners.

Managed funds

A managed fund is a professionally managed investment portfolio that pools the money of multiple investors.
Your investment manager then buys and sells shares and other assets on your behalf, earning you periodic dividends.

Managed funds are beneficial because they can be:

  • Diversified. Managed funds can provide a diversified portfolio that invests across a range of asset classes and securities.
  • Tailored to your needs. You can tailor your portfolio and choose specialist managed funds (e.g. infrastructure, emerging markets, small caps).
  • Actively managed. Actively managed funds can take advantage of the changing market and have the potential to outperform their index.
  • Low maintenance. Managed funds require a low level of participation and time involvement compared to direct investment.
     

Borrowing to invest

When you borrow to invest, you gain access to more assets. This is called margin lending or gearing.

It is, however, not without its risks. While borrowing to invest may allow you to multiply your gains, it can also magnify any losses.
There are different ways to gear into investments, including margin lending using a home equity loan, or even using a geared managed fund that borrows internally.

You can be positively geared or negatively geared.

Positive gearing occurs when the income generated by the asset exceeds the cost of the borrowing.

Negative gearing is often associated with gearing into property. This occurs when the interest on the borrowing and other costs of maintaining the property exceed the income you generate. You can use the loss incurred to reduce your taxable income.

Our experienced financial planners can help you consider your gearing options, and see which ones are right for you.
 

Sound investment advice

Sound investment advice is invaluable in changing economic times. Periods of financial uncertainty can actually be opportunities for rapid wealth accumulation.

But no matter what the economic climate is like, our experienced financial planners can help you to create long-term financial security with the right investment choices.

 

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The Content does not constitute financial and/or tax advice and should not be relied upon as such. You should seek financial and/or tax advice from a registered professional before acting or relying on any Content. This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, we recommend you consider, with or without the assistance of a financial adviser, whether the information is appropriate in light of your particular circumstances and needs.
Financial planning services are provided by Eastwoods Wealth Management Pty Ltd ABN 17 008 167 002 / AFSL 237853 trading as Beyond Bank Australia Wealth Management. Eastwoods Wealth Management Pty Ltd is a wholly owned but not guaranteed subsidiary of Community CPS Australia Ltd ABN 15 087 651 143 / AFSL 237 856 trading as Beyond Bank Australia.


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