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Hello,
With cost of living pressures and carbon tax the hot topics of recent months weve decided to follow this theme in our newsletter - bringing you tips and strategies for saving money, lowering your home loan and doing your part for the environment.
The second article 7 Ways to Pay Down your Home Loan sooner looks at how to reduce your loan balance, and Beat the Cost of Living in article 3 suggests ways to cope with the rising cost of electricity, fuel and groceries.
In article 4 we consider how to lower your energy bills and reduce your carbon footprint by making some green improvements around your home.
Enjoy this newsletter and feel free to pass it on to family and friends.
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23 Caravel Ct
Cleveland QLD 4163| Tel: | 1800 253 486 | | Mob: | 0400 737 767 | | Fax: | 07 3319 0931 |
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Flat market favours Buyers
You've probably heard the reports about the Australian property market being 'flat'. What does it mean to have a flat market and what are the implications for you as a buyer or seller?
'Flat' is a stage in the housing market where little or no growth occurs and there is slightly more supply than demand. Buyers tend to be cautious and sellers tend to hold on to unrealistic price expectations.
Read More >>
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7 Ways to pay down your Home Loan sooner
You don't need to win the lottery to pay off your home loan. There are a number of great strategies for reducing your loan balance and saving thousands in interest repayments. It's never too late to begin, so pick and choose which of the following work for you.
Read More >>
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Beat the Cost of Living
How to cope with the rising cost of electricity, fuel and groceries? If asking for a pay rise is out of the question, let's look at what else you can do to survive the escalating cost of living.
Read More >>
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Living Green
Lower your energy bills and reduce your carbon footprint by making some green improvements around your home.How much or how little you do is up to you but every improvement benefits your family, your hip pocket and the environment.
Read More >>
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About Us
Barrett Lending Solutions is a boutique mortgage broking business, specialising in finding solutions to assist client's needs in relation to their lending requirements. We provide assistance in setting up strategies, borrowing structures, and finding loan options - be it for residential, investment or commercial lending needs.
Why not let us do it for you?
Our points of difference:- Accredited with over 50 lenders.
- Our service is totally FREE. We are remunerated by the chosen lender, whoever that ends up being.
- Over 5 years industry experience
- Individual attention to each loan scenario
- After loan settlement-ongoing care and support.
Barrett Lending Solutions Core Values: - Integrity
- Transparency
- Accountability
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Need an accountant?
Gregory Thomas Accountants offer:
- Income tax returns
- Financial reporting
- Business setup
- Small business advisory & support services
- Cash flow statements & management accounting
Contact Gregory Thomas Accountants by calling 07 3821 5929.
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Investment structuresMost taxpayers will purchase their properties in their personal names without any thought of the implications. This is generally done to make use of the negative gearing opportunity. However there are many more issues which need to be considered, including asset protection, family relations, and long term tax planning. In any event a little tax planning at the outset may easily achieve your goal of immediate tax relief through negative gearing as well as the long term goal of asset protection and tax structuring. You should be asking your advisor about this at the very beginning of your investment journey.
When buying an investment property there are certain issues one needs to consider in the decision making process. We have provided the 10 fundamentals that are widely held to be vitally important:
1. Structure your investment to protect your asset;
2. Know the activity you are getting involved in;
3. Consider your partners carefully;
4. Consider how much money is involved and the risk;
5. Examine your financial projections carefully, use "what if" scenarios to project different outcomes;
6. Consider your financing and future capital needs;
7. Know your neighbours;
8. Determine in advance your distribution plan, if applicable;
9. Determine what each partner wants out of the investment;
10. Determine the duration of the investment and structure the investment accordingly.
If you would like more information on structuring your investment, please do not hesitate to contact Jewell Moore Chartered Accountants.
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Information from Sovereign Capital Management's Individually Managed Account
As of this writing, global markets are again in turmoil and for many investors this will be a cause of concern.
Are you:
- Concerned about the volatility and uncertainty of the share market?
- Concerned about rising interest rates and the economy?
- Interested in enhancing your Self-Managed Super Fund?
- Interested in paying off your loan/s sooner?
- Interested in generating cash flow to purchase additional investment properties?
- Interested in wealth creation strategies not dependent on rising stock and property prices?
- Interested in reducing your risk AND increasing your return?
Sovereign Capital Management Pty Ltd (SCM) is an investment management firm that can help you with this and more. Our investment strategy has been thoroughly tested over 6 ½ years and produces stable, consistent returns of up to 27% per annum with high liquidity and very low volatility, with the safety of knowing your cash and assets remain in your own account at a major Australian bank.
SCM's market neutral strategy removes market risk, so we are 'not investing in the share market'. Instead, we make profits through intelligent stock selection due to our most preferred shares outperforming our least preferred shares and we profit from both rising and falling prices, achieving good returns without experiencing the roller-coaster performance that is often associated with investments 'in the share market'. Some of the many benefits of our Individually Managed Account (IMA) service are:
1. Higher Returns - consistent and stable returns (after fees and transaction costs) of up to 27% per annum, dependent on the leveraging option chosen by the investor.
2. Lower Risk - our strategy is capable of generating a higher long-term return than the share market with less than a third of the risk.
3. Proven Strategy - our quantitative equity market neutral investment strategy has been thoroughly tested over 6 ½ years, covering up, down and sideways market conditions.
4. Liquidity - no lock-up period and high liquidity, as we only invest in the top 200 shares in Australia - and investor funds are available at short notice.
5. Higher Risk- Adjusted Returns - higher returns with lower risk than can be achieved by investing in real estate or the share market.
6. Portfolio Enhancement - adding a SCM IMA to a portfolio of other assets such as real estate, shares and/or bonds will provide a substantial diversification benefit, in many cases increasing portfolio return and reducing portfolio risk, at the same time.
7. Control & Transparency - having an IMA means all cash and assets remain in the name of the investor and do not get pooled. We also provide you with details of every transaction.
8. Safety - investment funds remain in the investor's name at a major Australian bank where they are also guaranteed by the Australian government.
9. Cash Flow - the nature of our strategy makes it ideal for providing an income for retirement purposes, additional investment income, accelerated loan repayment or reducing the overall cash flow burden of an otherwise negatively geared portfolio.
10. No interest rate stress - the expected return of our strategy rises in line with interest rates.
As we only deal with wholesale clients, the minimum investment is $500,000 - but this can come from one or more sources, such as: the equity in your real estate, cash, managed funds, or shares.
Lastly, our strategy is allowable for Self Managed Super Funds (SMSF) and complies with SMSF rules.
For a no-obligation copy of our detailed Investor Summary, or to arrange a free consultation, please contact our Business Development Manager, Mr Glenn Rushton at: glenn@sovereignmarkets.com or phone (07) 3272 6000, or 0413 948 888.
AFSL 341926
ABN 46 116 555 732
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Disclaimer: This newsletter is intended to provide general news and information only. Readers should rely on their own enquiries before making any decisions regarding their own interests. Please do not rely on any part of this newsletter as a substitute for specific legal or financial advice. All material is copyright 2011.
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