Create wealth

Know your strategy and options

The first thing to be clear on is what your investment goals are and when you want to reach them. Setting a realistic timeframe can help you achieve your personal investment goals and stay focused.

Be honest about your risk tolerance. Do you want to play it safe or are you prepared to ride the ups and downs of the market? These are just some of the things you'll need to consider when preparing your investment plan.

For more information, visit MoneySmart.

Case study

Case study: Investing in managed funds

Laurie has $170,000 that she wishes to invest for her long term wealth. After some research, including professional advice from a financial advisor, she decides to invest in both managed funds and direct shares to try and achieve her investment goals.

Account typePurposeLoan amountSecurity description Loan type
Laurie’s home valued @ $500,000
Loan 1Managed Funds $100,000Residential propertyVariable
Loan 2
Direct Shares$70,000Residential property Interest only
Investor account - Deposit dividends
- Simplify administration

Some things to note.

  • Simple structure.
  • Two separate loans (one for managed funds and other for direct shares).
  • Deposit dividends via Investor account.


Create a budget

The most important part of making your investment plan work is creating a practical budget. Sticking to your budget means you take full control of your finances and helps ensure you have enough money to pay your investment-related expenses such as repayments.

Here are some useful links for you.

  • You may also find our Budget Planner useful in helping you create your budget.

BSB: 704 230

Tools & Resources