Could you live the way you want in retirement?

Watch this short video clip.

Did you realise...

by the time you are 65 there will be a
- 45% Chance You’ll depend on family for financial help.
- 28% Possibility you’ll rely on a pension.
- 22% Likelihood you’ll still be working.
- 4% Probability you’ll only meet your basic needs.
- 1% Chance you’ll be financially independent.

If the thought of retiring scares you, now is the time to act! Retirement, financial freedom, a holiday property, the kid’s education, helping the kids with a deposit on a home - CHOICES. The best reason to invest is to have choices. Most people, although they love their work, would prefer to have the choice of when to stop working. The question is, could you live the way you want?

How Much Will You Need?

To the right is a simple formula to allow you to see how much you will need in income-producing assets to fund your retirement. If you plan how much you want to live on a year once retired, knowing that you could be in retirement for at least 20 years, you will see how much you will need to have accumulated by retirement. This does not take into account inflation and is calculated in today’s values.

Beat the Clock

Advances in medicine and technology, combined with healthier lifestyle choices, has resulted in an increase in life expectancy. Women are now expected to live to the age of 83 and men to the age of 79. This would mean if we retired at 55, we would have to fund ourselves for at least 20 to 25 years if we don’t want to live on the pension.

Caring is our Difference

Building a Business in the 21st Century is all about developing Long-Term Client Relationships. At Prowealth Investments we do just that! From the moment you first make contact with Prowealth Investments through to the time you purchase and beyond, year after year you will find us continually offering on-going support. Our Workshops, Account-Keeping Books, Newsletters, Client Communications and Annual Reviews are just a small part of the effort to make our association the most memorable for you.

Location Location Location

It is well known that location is one of the main parameters for successful Property Investing and Prowealth Investments identifies the best locations capable of delivering excellent returns. We constantly examine the Demographics and Population Movements of an area, Development Approvals and Suburb Regeneration. We access independent research by groups such as KPMG, RP Data, Residex and PRD Research, just to name a few, to help us cross reference key locations and support our recommendation right across Australia. In addition, our Long Term relationship with Reputable Builders and Developers assists us in delivering Properties of High Standards that will always attract Quality Tenants and ensure Positive Capital Growth.

Finance Expertise

Purchasing an Investment Property to provide you with a secure future income is one of the most important decisions you will ever make. Another just as important decision is Structuring the Right Finance to purchase your Investment Property. Prowealth has access to major Lending institutions and will recommend the loan structure that best suits your current needs and future aspirations, whether it is interest only, principal and interest, fixed term loan or a line of credit. We can write the loan for you or recommend to your lender the structure you require. Whilst many people wait to own their home before envisaging any investment and thus waste many years of substantial contribution, we demonstrate the power of leveraging or how your home ( a non-producing asset) can work for your future wealth. Prowealth Investments can also demonstrate hoe to take advantage of an 'off the plan' purchase to avoid all the financial traps and maximise your returns.

Tax Strategies Explained

Prowealth Investments concentrate 95% of our Business on Property Investing advice therefore keeping abreast and up to date on all tax-related matters including land tax, negative/positive gearing, capital gains, vendor exit tax and suggestions on how to structure property for tax purposes. Day in, Day out we live and breathe Tax and Investment Property Laws. To ensure our clients are getting the Maximum Claimable Return for their Investment Property and to lower their Financial Contributions Prowealth Investments have engaged the services of Quantity Surveyors recognised by the Australian Taxation Office to prepare accurate depreciation schedules. Prowealth Investments also provide the service to lodge on their Client's behalf a 'Tax Variation Withholding' application that gives the client the option to receive the tax benefits every pay day instead of yearly which in turn assists in maintaining a good cash flow. Everything Prowealth Investments does is geared to obtain the best return on the Client's Investment. Naturally we always recommend you seek advice from your Accountant or Financial Advisor to confirm our recommendations.

Education

Prowealth Investments are continually educating our staff with Professional ongoing Training and in turn passing this knowledge onto our Clients through the Workshops and Information Nights. With this information Investors can acknowledge what Level they are currently at from the Level 1 Investor (Beginning) through to the most advanced, the Level 5 Investor and plan where they want to head. Some of the topics covered in these Workshops and Information Nights include Negative and Positive Gearing, Put and Call Options, Renovate to Hold or Sell, Property Syndications and Property Developments. All our Introductory Information Nights are free and are presented by our staff on a regular basis.

Constant Communication

Prowealth Investments is known for its continual communication from the time Clients make their first contact through to settlement and beyond. Our Staff looks after all the Clients needs such as liaising with the legal and financial institutions, submitting tax claims and discussions with property management. We constantly keep our clients informed along the way and maintain constant communication through our Hot Lists, Quarterly Newsletters and Information Nights. Prowealth Investments are open 7 Days of the Week.