Investments

People generally invest for various reasons, amongst them (but not limited to) retirement funding, to fund a better lifestyle, to accumulate wealth, to protect against the erosive effects of inflation, to fund a business venture, to fund children’s education, to improve cash flow and for better tax management.  To assist them in achieving their investment objectives, we generally invest in 4 asset classes, namely:

1. Cash

2. Fixed Interest

3. Property

4. Equities 

The above are further divided into different types of investments under the asset classes.  We can either invest into these asset classes directly or indirectly (via managed funds).  The table below gives an overview of some of the investment types: 

Superannuation

Superannuation is not an investment but a tax effective way to invest.  An advantage of superannuation, which Governments have not erased over time, is that it is concessionally taxed, therefore extremely tax advantaged and so may be an attractive way to save for retirement.  When you invest outside the superannuation environment you will generally have already paid income tax on every dollar that you invest, and every dollar that you earn is taxed at the rate at which your ordinary income is taxed (up to 45% plus Medicare levy). 

At Box Hill Financial Services we will recommend appropriate investments that are in line with your risk profile and will help you optimize your savings via proper tax effective investing.

• Suite 12, 899 Whitehorse Road Box Hill, VIC 3128
• T 03 9899 7770
• F 03 9899 7720
• info@boxhillfs.com.au