Wealth Creation

Ideal Financial Group helps you define then transform your goals into a secure reality that allows you to realise your ambitions.

Many people think you have to be fabulously wealthy to invest, purchase real estate, or develop a plan for retirement. Nothing could be further from the truth.

We have some key principals for wealth creation which include:

  • Invest for the long term
  • Set up a personal investment plan
  • Manage risk
  • Apply leverage where sensible
  • Accelerate superannuation where sensible

There are many investment vehicles you can use to grow your wealth. Some of these include:

Cash Management Trusts

Cash management trusts invest in highly liquid secure investments, such as short-term securities issued by the Australian Government, banks and corporate borrowers. They are generally able to offer a higher level of interest than a traditional bank account.

Term Deposits

A term deposit is a secure, fixed rate investment for a fixed term. Term deposits are popular for investors that want to have certainty of a known interest rate and return.

Managed Funds

Managed funds allow investors to pool their money with an investment manager who has extensive research facilities and experience. Managed funds generally provide a combination of income (including realised capital gains), and the potential for capital growth over the medium to long-term.

Direct Property

Direct Property is a ‘real property’ asset. Real property generally includes land and any items fixed to it – such as a house, shop, factory, or apartment building.


Shares represent partial ownership of a company and are a longer-term investment. Owning shares may entitle you to receive regular income (dividends) paid to you by the company.

Regular Savings Plan

We can also assist with savings plans starting with a modest amount (eg $2,000) and a minimum amount of $200 per month. This will get you started on building your wealth for a secure future. By using this strategy we also take advantage of dollar cost averaging.

Dollar Cost Averaging

Dollar cost averaging involves investing a set amount of money at regular intervals. By investing this way you are not attempting to pick the lows or highs of the market, but rather investing a fixed dollar amount regardless of investment market trends.

Insurance Bonds

An Insurance Bond is a tax-paid investment for which you are not required to declare earnings in your annual tax return – provided you do not make any withdrawals.

More complex and risky strategies include:


Gearing involves borrowing money to help increase your wealth more rapidly. It allows you to acquire more assets than you could if you only used your own funds. The expectation is that over time, the rise in capital value of the underlying investments should exceed the costs involved.

Margin Loan

A Margin Loan allows you to borrow funds using your investment portfolio as security for the loan. Generally you will need to meet the ongoing interest costs and satisfy any Margin Calls that may arise. You will not be required to repay capital until you terminate the facility, unless you need to make a partial capital repayment to satisfy a Margin Call.

We will help you to create a vision and a simple action plan. We will challenge you to think outside the square when planning your future. You’ll be encouraged to look at your investment strategy and your life with a totally new perspective. You can turn your dreams and goals into achievable results.

Contact our team or call us on 02 6584 4971 to get started.