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This can be different for each person depending on your specific circumstances. The main thing is are you able to afford the repayments for the investment strategy you are implementing.
We all have to start somewhere. If you are starting from scratch, you can do a number of things to help you prepare to get started on your wealth creation journey. Whatever stage you are up to, we will accommodate to your ability and grow from there.
We can start right now.
All we need to do is to sit down with you and find out what you want out of life, and we start to create a plan that is specifically designed for you. It is very much like building a car – we put together a suitable engine and you drive it as fast as you want!
Try setting yourself a budget of expenditures to income. Simply put, create a money management plan that helps you monitor the money coming in, ensuring that you over the expenses or the money going out. The key to investing is to plan in a percentage of money left over afterwards. If you are able to predict this in advance, you’ll be surprised how secure you’ll feel by knowing that you have everything covered before it happens.
If you need a hand with how to set up a budget, gives us a call and we’ll get you started. You may be shocked to see that wealth creation is closer than you think.
Would be great to say yes, and enjoy a relaxing time on the beach, but the fact is, this is going to be a team work effort. How many times have you bought a car and the salesman comes and checks your car for servicing and performance?
How many times would a lender sign you up for a loan and they commit to take an avid interest in your success to retirement? I think in most cases, once you sign the dotted line, they disappear.
This is the niche that we will in so well, because we have an end goal of your choice in mind, and we are working together to make it work. We are the engine, but you are the driver.
You can get started with a lump sum investment of $5,000, or with a monthly investment plan of $250 per month. So the actual amount is not as critical as the income you earn.
We are doing wonders with people (see our Real Stories) who are everyday people living in common Australian households with typical incomes and a mortgage. The most important thing is get started (Time In) from where you are capable of, and keep building from there.
In any wealth creation exercise, there will always be an element of risk. The goal for us is to minimise this risk as much as possible.
Here is an example.
If I need to cross a freeway, I can close my eyes and blindly and uncontrollably run across and hopefully make it to the other side, or I can check the oncoming traffic and time my crossing to suit when the risk is at its lowest, and not panic while crossing. Same proposed outcome, but the way you get there is very different.
Investing is very similar, in that if there is a brand new mining company who issues a promise of huge profits to you and asks you to kick some money in, compared to putting your money with a company who has a strong track history of good returns and good management… Which one would you likely to place the majority of your money into?
We take the safer approach and common sense backed by solid research. This is what we do well, and we will only invest in reputable investments with a long track record and good management.
We will examine the financial position you are in at that time, and we will make a decision together to see if we can hold on to your investment, or sell the investment.
If any life changing events occur that are unexpected, the most important thing you can do is to ring your adviser who is assisting you with your wealth creation journey. Events such as change of job, new baby on the way, wanting to move house…the list goes on, should already be planned ahead.
We will do everything to set up this strategy so that you can sell out, or create a cash buffer, or even set up strategies to protect your assets.
If the investments are liquid enough that in a worst case scenario, it can be sold within 48 hours.
We understand that you may have been burnt before, or concerned about taking the step. However, just have a chat with us, invest a bit of your time to get to know what this is all about, and then you can make an informed decision. Life is too short to hesitate – experience all aspects of learning with both good and bad outcomes.
Mr Suzuki (Suzuki Corporation) was quoted saying “Success is 99% failure.”No good if you stop trying because the next thing you do may become the biggest success in your life.