Wealth Creation – Making Money


This is not rocket science. Anyone can be an investor and make money. Professional advice and education does takes the guesswork out of investing, but it is not just choosing the best investment that makes a good investor.


Start Investing

Investing always starts, continues and ends with doing the basics. So don’t get sucked in to the latest investment strategy or option that promises amazing returns. You can get amazing growth on your money by doing the basics.

To get investing right

Ask the following questions:

  • Is your situation ready to invest, it may not, you may need to clear some debt, sort out your cash flow, and build up some cash reserves first.
  • Why am I investing – different investments are used for very different investment reasons, situations, time frames, and goals.
  • How much do I need to make and how quickly?
  • How long am I going to invest for?
  • How much am I going to need to invest – initially and ongoing? Can I afford this?
  • When will I need to use some or all of the money that I invest?
  •  How much can I afford to invest regularly? Or how much is the investment going to cost me each year.
  • Whatever I invest in, can I sleep at night?

There are so many investments to choose from so choose those that will help you achieve your goals. There are short, medium and long term investments. Those that require a small amount of cash to start with and those that require a large amount. Make sure you know what you are starting.




Big returns

Investments that promise very high/large returns come with greater risk (higher chance you could lose money), and often will have much greater volatility (the value goes up and down a lot). So be careful. Most of the time the basic investments over the longer term provide the best results, which in most cases are shares and property.

Hold different investments

Ideally you should hold a mix of investments spread across cash, shares and property, in both Australia and overseas. However, this may not be possible initially as you are building up the amount of wealth you have. So start where you can and build over time.
Lots of money or little money – Sometimes it pays to buy investment with small amount of money regularly over time. This is called dollar-cost averaging. It allows you to ride out the ups and downs of the investment, and build up a sizable investment over the long term, you can do this with shares. Other investments, like property, require you to invest a large amount at the start, and then either a little or nothing over time. Each has advantages and disadvantages, make sure you get professional financial advice on what is best for your situation.

Borrowing to Invest

Is a great way to increase your returns, but it can mean multiplying your losses. Done correctly, for the right investments, provided you have the right cashflow, reserves, timeframes, and a few other important back-ups in place, borrowing is a powerful way to invest and make money. Most people that make a lot of money have done it by borrowing to invest.

Investment advice

Yes, but be careful.

To avoid costly mistakes it pays to get professional investment advice that is tailored for your overall situation. But, be careful of investment advisers that want you to put your money in investments that pay the adviser a percentage, commission, or trail. This generally biases their motives in giving you the advice to invest in those investments.

So go with a financial adviser or investment adviser that does not get paid from the investments they are recommending. A good adviser will charge a fee of their advice, not receive commissions or payments from the investment.

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