Investing made simple with ANIG WM investment program
ANIG Wealth Management’s authorised financial advisers can help you find the right investment solutions. Our diversified services offer the support you need to manage your finances. Speak to our advisers and learn how we can help you create a strategy for superannuation investment and asset allocation advice, cash flow and debt management, investments and retirement planning.
Term Deposits:
Term deposits (TD) are secure and low-risk savings accounts banks and other financial institutions offer. TDs are often utilised to save money for a specific purpose, such as a holiday, car or house deposit.
They offer a guaranteed rate of return, flexibility in terms (from one month to five years) and are an excellent option for retirement savings.
TD investments provide pre-retirees and retirees with a secure source of stable low-income and the assurance that their investments are safe from market fluctuations, making them an ideal way to protect retirement savings.
Cash Management Accounts:
A Cash Management Account (CMA) is a type of bank account that combines the features of a transaction and savings account. It offers access to online banking, debit cards, direct debits and the ability to earn interest on savings.
It is also helpful for investing, as it is integrated into various investment platforms and can help settle transactions quickly. CMAs can be used with Self-Managed Super Funds (SMSF) to manage retirement savings, allowing individuals to access their funds quickly and efficiently while still earning interest. This can help them to achieve their retirement goals faster.
Overall, A CMA is a cost-effective way to save and access funds quickly. It provides individuals with greater control over their savings.
Fixed Income Investing:
Fixed-income investing involves buying bonds, debentures and other debt instruments to generate a steady income. These securities are issued by governments, corporations and other entities and provide a fixed rate of return over a specified period. Government bonds are considered safe investments, while corporate bonds are considered to be riskier due to their reliance on the issuer's financials. Fixed-income securities can provide a steady income and/or potential capital appreciation but are subject to market risk and inflation and should be researched before investing.
Property Investing:
Property investing in Australia is the process of buying, owning, managing and renting out real estate to generate income. It is a popular form of investment due to its potential for long-term capital growth and regular income.
Different properties, such as residential, commercial, industrial and rural properties, are often exchanged in our domestic property market. The value of a property is determined by its location, size, condition and amenities.
Tax benefits associated with property investing include deductions for expenses and capital gains tax concessions when selling.
Most properties are purchased directly in a person's name. However, investment vehicles such as Trusts, SMSFs, companies, and joint ventures are vehicles often used to acquire properties. Property investing can provide a regular income stream, and deductions for expenses can reduce the amount of tax payable.
Equities or Shares Investing:
Equities or shares investing is the process of buying and selling shares in publicly traded companies. Shares represent a part of ownership in a company and can provide investors with various benefits, including the potential for capital appreciation, dividend income, and voting rights. Tax benefits include offsetting capital losses against capital gains and a 50% reduction in capital gains if the shares have been held for more than 12 months. Investors can purchase equities directly on the ASX or through managed funds and ETFs. They can also use trusts, SMSFs and Pty Ltd companies to facilitate their purchase.
ANIG Wealth Management is the home of professional Financial Planners and SMSF-accredited Advisers. With our personalised approach, you can trust that your financial future is in good hands.
ANIG WM Advisers offer a range of financial services, including financial planning, insurance and SMSF advisory and asset allocation services.
Experience our expertise in SMSF advisory and investment services by making us your specialist SMSF advisers. We offer unlimited access to our knowledge and professional SMSF service solutions. We can also assess an SMSF borrowing strategy with you, helping you determine your borrowing capacity and advise if it is a viable solution for you.