You already know life costs are rising, and saving alone isn’t going to cut it.
What you earn today won’t hold the same value 5, 10 or 20 years from now. That means every day you delay investing is a day you lose on financial security, on freedom, on the life you deserve.
Whether you’re in your 20s, 30s, 40s or beyond, now is the moment to act. Because the earlier you start building wealth, the bigger your advantage.
6 powerful reasons to begin investing today
Inflation eats away your savings
With cost‑of‑living pressures always growing, what your retirement fund or savings are worth now may not cover the comforts you expect in the future. Smart investing keeps your wealth ahead 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 benefits that boost your returns
With property investment, you may be eligible for deductions (from mortgage interest to depreciation and maintenance) giving your long-term returns a real boost.
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.
Build the life you want
A steady, passive income stream — Rental returns that help grow wealth without needing 9‑5 hours.
Real, tangible assets under your name — Property is physical, stable, and less fickle than many other investments.
A safety net for retirement or life’s curveballs — With sound investing, you’re building a nest egg that can support you through retirement, support family goals, or even fund dreams like travel, starting a business or early retirement.
Every year you wait:
you lose the power of compounding,
lose out on modest gains stacking up into serious equity,
risk being further behind when you finally want to retire, slow down or shift paths.
But when you take the first step today — with a plan, expert guidance, and a clear strategy — you begin building momentum. That momentum turns into real results: stability, freedom, and real choices.
Can I afford to invest in property?
Locale’s Property Investment Strategists know a thing 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
Common mistakes include:
- Overestimating rental income: Conduct thorough market research to set realistic rental expectations.
- Underestimating costs: Factor in maintenance, property management fees, and potential vacancies.
- Neglecting due diligence: Conduct thorough property inspections and research the local market.
- ‘Get rich quick strategies like flipping properties and buying in high speculative locations: Focus on long-term, sustainable growth rather than chasing short-term gains through speculative investments. By holding properties and allowing their value to appreciate over time, while the value of your loan decreases due to inflation, you can build a solid financial foundation.
- Stopping at one property: One property might be all you are comfortable with at this time, and that is perfectly fine – however, it is unlikely that the income from it will be life-changing in the short term.
At Locale Wealth, we help you avoid these pitfalls by:
- Providing expert guidance: Our team offers in-depth property analysis and market insights.
- Partnering with trusted professionals: We connect you with experienced finance brokers, accountants, property managers and more.
Setting realistic goals: We help you develop a sustainable investment strategy aligned with your financial objectives.
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.
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.
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).
Speak to people with extensive investment experience and people who will prioritise your interests. We will help you identify what your current and future potential is and help you work towards a plan for financial freedom. We’re dedicated to finding the best investment opportunities for you through our industry connections to make it happen.
The whole process starts with a discovery session with our team, where we get to know you and your goals.
As the name suggests it is a catch up with you and Locale’s Investment Advocates to get to know each other. We break down your financial priorities and life goals, while working through your current finance position. We also share information about who we are and what the process looks like, so you can be confident that we are the right partner for you on this journey. After this session, we’ll begin crafting a personalised strategy (or “game plan,” as we like to call it), and explore your future potential. This session, normally valued at $449, is currently available to you at no cost.
While yes, there is a financial component to being able to invest, the bigger factor is your mindset. Do you want to take some time out of your busy life to sit and think about what you want your future to look like, and create a plan to get there? Or, are you going to continue on with your day-to-day life and expect that your retirement plans and savings are going to sort themselves out?
Waiting for the perfect time is not the answer. The best time to invest is now.
Are you ready to see what your financial potential is and build a life that you really want?
