Empower Blog Investment Decision

Rentvesting: Is it the right strategy for you?

So in this how to video, what I want to do is explore the idea of rentvesting and whether it is the right type of strategy for you. Now, every household is different in regards to their financial and personal goals. Rentvesting is the concept whereby you rent where you want to live but you invest the savings into a portfolio of properties, ultimate...

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Golden Rules in Property Investing and can we Break them?

In this episode of 774 ABC Radio Melbourne, Ben Kingsley appeared again on the new segment called, “All things real estate”. As mentioned before on Empower Wealth, investing in property is a science. There are a set process and formula that you should follow and a handful of filters that you need to apply when selecting an investment grade ass...

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SMSF Lending 101: Unlocking the Additional Equity

One of the most powerful options you can utilize if you have a Self Managed Superannuation Fund (SMSF) is to leverage and borrow into property. Unfortunately, many individuals either do not know about self-managed super funds or they simply do not understand the concept because it can seem at first to be quite complicated. However, those who take...

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When Is the Best Time to Refinance Your Loan?

You’ve bought or invested in a home and are making regular mortgage payments. What happens when you want to adjust your repayment plan? Perhaps a step up in your salary has given you additional resources to pay off your balance in less time. Maybe an outside hardship requires you to refinance in order to improve your cash reserves or your loan mi...

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Making Room to Grow

Some property investors are quite lucky when it comes to their investing journey. They met the right people, got the right advice and invested in the right property at the right time. However, this article on API Magazine is not about those type of investors. It's about investors who received dodgy advice from certain advisors and end up with a lem...

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How to Plan to Build a Passive Income for Life with Property Investment?

(This presentation is part of the 2014 CPA Public Practice Conference in Lorne, Victoria) Tim: I’m so pleased to be chairing this afternoon session Property Investment – How to Build a Passive Income for Life. It’s my pleasure to introduce Ben Kingsley and Holdaway. Just a little bit about Ben and Bryce. Ben Kingsley is the founder of E...

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Improving Financial Literacy

In previous newsletter articles, we looked at the results of an international study which highlighted the high poverty rate amongst older Australians compared to other countries. In this newsletter, we look at a recent international study which casts Australia in a more favourable light. The OECD Programme for International Student Assessment (P...

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Is Australia really a good place to grow old?

You may have been pleasantly surprised earlier this month to read in the newspapers that “Australia ranks 14th out of 91 countries in a new index of the best and worst places to grow old, and which warns many nations are ill-prepared to deal with the old age time bomb.  In a rapidly greying world, the Global AgeWatch Index - the first of its kin...

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Another Look at Risk

In previous articles, we have been looking at the inputs to and outcomes from an investment strategy.  We have looked at the way the amount of money, the amount of time and the amount of knowledge that you put into an investment can influence the outcome, and how the use of other people’s time, money and knowledge ( which we referred to as lever...

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Another look at Leverage

In earlier articles in this series, we have been discussing the “inputs” that will be required for an Investment Strategy, talking about the different ways that money, time and knowledge will be required to plan, implement and manage an Investment Strategy and how these factors may impact on the outcome of that strategy. In the previous arti...

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The Impact of Leverage

In earlier articles in this series, we have been discussing the “inputs” that will be required for an Investment Strategy talking about the different ways that money, time and knowledge will be required to plan, implement and manage an Investment Strategy and their impacts on the outcome of that strategy.  In the previous article, we discussed...

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Who do you turn to for those big financial decisions in life?

The landscape is changing in the financial services space. Financial planners are moving away, due to government intervention, from commission based selling and accountants are now held more accountable for taxation returns they help produce and submit to the Australia Taxation Office and Mortgage Brokers have been licensed for a reasonable period ...

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Feeling Brave?

Who was it that said “fortune favours the brave?” Or who was it that got credit for it in the modern age, as I’m sure throughout history this comment would have been reeled off several hundreds of times around the world as men went to war for the control of land, its people and its wealth. Fortunately, and pardon the pun, these days the sa...

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