Learn How Debt Recycling and Gearing can help create wealth and reduce debt Fast!
Learn how to use gearing and debt recycling effectively to reduce risk, create wealth and reduce your loans!
Learn How Debt Recycling and Gearing can help create wealth and reduce debt Fast!
Learn how to use gearing and debt recycling effectively to reduce risk, create wealth and reduce your loans!
These areas are where our Financial Advice can help you when investing!
Join our online course to learn the fundamentals of investing & how Gearing and Debt Recycling can turbo charge your investments!
Key Fundamentals when investing!
The online session explains the importance of key considerations that you need to account for before starting any successful investment strategy!
Whats Included
Learn the importance of diversification in assets, Styles of investing, professional thought process’ and ownership of your investments.
Dollar Cost averaging – is it worth it?
The benefits of compound interest.
Understand Gearing!
The mentor will coach you on what you need to consider when thinking of a gearing strategy. Importantly, the mentor will explain how to identify risks and the different options available when borrowing to invest and each options strengths and weakness’.
Whats Included
What to consider when gearing
The lending options available when considering borrowing to invest.
What to consider to help reduce the risk of borrowing to invest.
How Debt Recycling can help you!
The mentor will demonstrate and explain the concept of debt recycling and how this maintains a similar risk level to what you have today and allows you to invest for your future simultaniously!
Whats Included
Understanding the concept of Debt Recycling!
What needs to be considered when structuring a debt recycling strategy
A case study of how debt recycling has help a real client of Fintor!
Join our online course to learn the fundamentals of investing & how Gearing and Debt Recycling can turbo charge your investments!
Key Fundamentals when investing!
The online session explains the importance of key considerations that you need to account for before starting any successful investment strategy!
Whats Included
Learn the importance of diversification in assets, Styles of investing, professional thought process’ and ownership of your investments.
Dollar Cost averaging – is it worth it?
The benefits of compound interest.
Understand Gearing!
The mentor will coach you on what you need to consider when thinking of a gearing strategy. Importantly, the mentor will explain how to identify risks and the different options available when borrowing to invest and each options strengths and weakness’.
Whats Included
What to consider when gearing
The lending options available when considering borrowing to invest.
What to consider to help reduce the risk of borrowing to invest.
How Debt Recycling can help you!
The mentor will demonstrate and explain the concept of debt recycling and how this maintains a similar risk level to what you have today and allows you to invest for your future simultaniously!
Whats Included
Understanding the concept of Debt Recycling!
What needs to be considered when structuring a debt recycling strategy
A case study of how debt recycling has help a real client of Fintor!
Debt Recycling
Fintor believes Debt Recycling is not about borrowing more, but managing your debt effectively!
Debt Recycling in its simplest form is a strategy whereby if you repay $1.00 of your mortgage, you then borrow another $1.00 to invest. The $1.00 investment then earns income and growth. These earnings can then be re-invested to provide compounded returns or withdrawn and paid into your home loan as additional repayments.
Effectively, the strategy creates other income sources to help you reduce your personal debt faster and gain access to increased tax deductions. Debt Recycling converts the interest associated with your personal non-deductible debt into tax-deductible interest as the borrowings are now used for investment purposes.
For More information and a Financial Case study
Debt Recycling also provides two very beneficial outcomes when the strategy is regularly reviewed, which are::
Compound Interest
Dollar-Cost Averaging
larger investment balance, thus more earnings potential and greater access to growth opportunities. As the growth and income increase, so do the repayments attributed to your mortgage, should you choose for dividends to be distributed into the home loan.
The core purpose of Debt Recycling is to reduce your debt faster and more efficiently, whilst creating additional investments for lifestyle or retirement!
For more information and multiple case studies which demonstrate the power of seeking advice when contributing to super, click the following link:
Gearing
Most people are aware of the benefits of investing and most in some form invest when they have surplus funds to do so, this isn’t rocket science.
What most fail to understand and implement is a simple strategy when they invest which has great benefits, but is sadly misunderstood and considered extremely risky. This strategy is Gearing.
Gearing is commonly known as borrowing to invest, it is an investment strategy usually
considered by more experienced investors and those with a higher risk appetite. This is
because, while gearing can increase the value of your portfolio faster than otherwise possible, it will also magnify your losses in a market downturn.
The principle behind a successful gearing strategy is that the value of your investments will increase faster than the after-tax cost of servicing the debt. However, in volatile markets, a loss on the investment may mean you are unable to service the debt and can be forced to sell the investment at a loss.
RSM Financials job as your advice team is to help educate and improve your understanding of investment concepts and to optimise the investment strategy you wish to undertake.
An easy way to create additional benefits to your investment strategy is to help you
understand the concept of Gearing the RSM Financial way.
Get a loan which suits you at an even better rate with RSM Lending!
Fintor works closely with RSM Lending to make sure our clients receive the best financial strategies to reduce their debt and through RSM Lending we make sure our customers get a suitable solution at an even better rate!
It’s all apart of our service to make sure you will become a life long client!
Get a loan which suits you at an even better rate with RSM Lending!
It’s all apart of our service to make sure you will become a life long client!
