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Why should I start investing today?

Why should I start investing today?2024-12-06T19:47:01+08:00

Six reasons to lay your future financial foundations, now.

More than half of the Australian population won’t have enough savings in their superannuation to retire comfortably, the majority being women. Whether you’re in your 20’s or 50’s, it is never too soon to start looking at what kind of investment portfolio suits you and your lifestyle, to boost your retirement fund.

Why should you start investing now?

Cost of living inflation

This consideration will always be a factor in adult life and will continue to escalate over time. What you have to retire with today won’t hold the same value in 10 years’ time, and is a furthering component as to why so many Australians today don’t have enough to comfortably retire with. Investing and building your wealth can counteract the effects of inflation.

The power of compounding

When you invest well, you will receive returns not only the original amount you invested but on-top of the returns your dollars earn as you go. Essentially, returns on your returns, which snowballs (or compounds) the longer you keep that investment. The longer you’re investing for, the larger the compounding effect. Property prices double every seven to 10 years, so  being in it for the long haul is where you are going to get the most impact.

Earning potential limits

The majority of Australians are employed for the standard 5 days/ week, at 7.5 hours/ day. This limits your ability to earn past that limit, and there are only so many contributions you can make towards your super and retirement without taking away from your current quality of life.

Tax deductions

When it comes to investing in property, an additional advantage is your ability to save money through reducing your tax liability, by claiming the mortgage interest, running costs and depreciation on your investment property against the income you earn (from the investment and your day-to-day job.

Increasing retirement age

Recently, the age of retirement increased to 67 years. Many people see this as an incredibly long time to wait before clocking out of the workforce and making the most of the next chapter (especially when the life expectancy is 83!). If you want to retire sooner, you’re going to need to fatten up the bottom line via other means.

Because everyone else is

According to Finder.com, 51% of Australians hold investments, with Millennials being the most likely generation to hold an investment at 61%. If your peers, family and friends are investing now and you are not, they will be living a very different life to you post-career.

Sound interesting but confusing?

Investing in a property portfolio

Building and purchasing houses for rental income can create equity in the assets which can be used or liquidated in the future when needed. Investing in property offers the advantage of earning a steady income through rental yields, while potentially reducing your tax. By leasing the property, you can create a nest egg for retirement or use the additional, passive income to help fund your goals.

Investing can seem like an overwhelming concept that, if you haven’t had any exposure to it before, can put you off before you even get started. That’s why we created Locale Wealth, to help people change their future with our support.

Can I afford to invest in property?

Locale’s Property Investment Strategists know a think or two about finding ways for their clients into the investment market. It may seem daunting and you may have inbuilt beliefs that you cannot afford to make this kind of financial strategy part of your portfolio. However, investing in property, in Western Australia is not as overwhelming as you think.

One of the biggest barriers people face when it comes to property investment is the belief that they need significant savings to get started. This can feel like a major roadblock, especially if you’re busy managing everyday expenses or other financial commitments. But there’s good news: you may already have what you need to invest.

Lazy Equity

This is the available and untapped potential in your existing home — the difference between your property’s current market value and what you owe on it. You can use this equity as the deposit for your investment property without having to come up with any additional funds.

If you have paid down your current mortgage and/or your home’s value has increased since you last financed the mortgage, you will have built up equity.

Bigger borrowing power

When the bank or lender evaluates how much you can borrow for an investment property, they have different considerations to an owner-occupier loan. With an investment property, they are expecting a rental income to comprise some or most of the repayments (and in this current economy, rental income is high) rather than simply the income from your salary or wage. So the borrowing power for your investment property is typically higher, giving you more options to purchase a strategic property.

Can I afford to invest in property?

Let’s see how much you can borrow.
Chat with one of our in-house finance experts to find out how much you can borrow and invest.

Get started with some FAQs

What makes your wealth planning the best?2024-10-09T15:33:59+08:00

Unlike a typical buyer’s agent, which merely acts as a shopping service, we challenge the conventional path of working until you’re 67. We encourage you to join the 1% who retire early and live the life you truly want.

Our mission is to build a profitable and expansive property portfolio for your future. We achieve this through thorough research, data analysis, and an in-depth understanding of every suburb in Australia. Our end-to-end solution streamlines the property buying process into a single point of contact.

With our team’s extensive experience in managing billions in property transactions, you’ll receive comprehensive support from the initial sign-on to property sourcing and beyond.

Why should I work with your team and not just DIY?2024-10-09T15:33:59+08:00

As individuals, we have all been in the industry and invested in property for many years. We’ve made mistakes, had many wins, ridden the highs, the lows and have the battle scars to prove it! Investing is not a perfect science, often economists get it wrong. We have been on the front line of the industry for decades, with our MD leading one of Australia’s largest property and construction groups through some of the most buoyant and challenging times. What we have learned is invaluable to an investor, helping you avoid mistakes, capitalising on emerging markets and avoiding overheated markets, ensuring we are mitigating risk, creating diversification and setting you up for long term success. The devil is in the detail -we’re here to create a robust strategy to expedite your success.

What financial strategies are effective for property investment?2024-10-09T15:33:59+08:00

Common strategies include leveraging property to maximise returns, diversifying your investment portfolio, and implementing tax-efficient practices. We will consider strategies like negative gearing and positive cash flow management if they work for you.

Why should I trust Locale?2024-10-09T15:33:59+08:00

We may look shiny and new, but we’re backed by industry-leading talent who have been doing this a long time, all across Australia.

Our founder Adam Schaal started Locale Wealth with one simple premise in mind. To empower everyday Australians to take action towards financial security and freedom, inspiring and educating them to take action to be able to live their life the way they want.

With over 10+ years in the property and construction industry in successful Executive Leadership positions, Adam Schaal brings a strong understanding of the industry’s intricacies, customers’ needs, and pain points, and how these can be effectively addressed in an industry that is ready for disruption.

As a team, we are passionate about making investing more accessible, showing people who would not have seen property investment as an option for them, what is possible and the benefits it will have on their life. Plus we’re committed to customer satisfaction is at the core of everything we do, and we will always go the extra mile to ensure that you have a hassle-free and enjoyable experience.

Meet the team

What do I need to know before the session?2024-10-09T13:50:45+08:00

By making this session you are taking the first steps to financial freedom. All you will need to do is answer some questions which our team will talk you through. Our approach is to understand your needs and aspirations.

Before we meet, we do suggest thinking about the following questions: What are your financial goals? How much do you have in savings? When would you like to retire? Do you know your borrowing capacity? (it’s ok if you don’t know, we can help).

How do I scale my property investment portfolio?2024-10-09T13:50:44+08:00

To scale your property investment portfolio, consider reinvesting profits into additional properties, exploring different property types, or expanding into new markets. Continuously review your strategy and adapt based on performance and market conditions to ensure you are progressing toward your financial goals and enhancing your financial security.

How do I determine my budget for investment?2024-10-09T15:33:33+08:00

By knowing your savings, income, expenses, and current equity we can help you understand your budget to invest. During the discovery session an estimate of how much you can borrow and afford will be offered.

Free Wealth Creation Resources

Check out our free resources to help you on your journey

Who is Locale Wealth

Who we are and why we love what we do

Rentvesting: smart option to start

You don’t have to own to start investing and taking care of your financial future.

It’s time.

Take the first step towards a future that you can control.