Your loan structure can have a big impact on your success as an investor. It can influence interest rates, borrowing capacity, cash flow, taxation liabilities and so on. Four years ago I wrote this blog which included 7 loan structuring tips and I wanted to update you on a few matters. Funding a property owned …
I am a big believer in having balance when it comes to managing money. That is, it makes no sense saving ever dollar and always “going without”. After all, none of us know how much longer was have on this planet so we must make the most of every day. However, by the same token, …
Income protection insurance pays you a benefit in the event you cannot work to earn your regular income due to sickness or injury. Is this insurance worth having, what do you need to look out for and how can you get the best value for money? Insuring your million-dollar asset Without a doubt, most people’s …
The below video is a recording of my live-stream book launch I conducted on 4 April 2017. To learn more about the book, click here. To buy your copy of Investopoly, go here.
We have all read the horror stories in the newspapers or seen them on television: Mum and Dad put their trust in a financial advisor. The advisor ‘sells’ them an investment that paid him a substantial commission. The investment was poor quality. Mum and Dad subsequently lose their life savings and the advisor goes unpunished. …
The best way to define investment risk is the probability that your investments do not achieve the desired investment returns. What if there was a way of guaranteeing returns i.e. reducing the risk to zero, you would be interested, right? Unfortunately, you can never reduce the risk to zero, but you can dramatically reduce risk …
It stands to reason that not everyone needs a financial plan or relationship with a financial planner. There might be various reasons for this. However, perhaps the best way to answer this question, i.e. “who doesn’t need a financial plan” is to discuss what’s involved in a plan and then you can draw your own …
If you sell a dud investment property, you may have to pay capital gain tax (CGT), selling costs and then stamp duty again when you reinvest… it can be a very expensive exercise! And if you have owned the property for a while, it is probably putting money in your pocket each month (i.e. more …
I have written about the importance of considering both investment risk and returns when assessing the viability of an investment. In fact, the world’s best investors tend to have a very low tolerance for risk – they only invest in ‘sure things’. In my experience, novice investors can talk themselves into believing that an investment …
Parents always want their children to have the best education. For some people, that means sending their kids to a private school. Of course, private schooling can be expensive and can have a big impact on your cash flow. But I’d like to suggest that the ‘cost’ is a lot more than the initial cash …
Level 8, 31 Queen Street
Melbourne VIC 3000
Office: (03) 8624 4600
Postal: PO Box 475,
Collins Street West, VIC 8007
advice@prosolution.com.au
© 2026 Prosolution Private Clients
You can find our disclaimer, Financial Services Guides, Tax Agency disclosures, dispute resolution policy, CPD policy, and privacy policy here.