Roxburgh Securities

Appreciating the value of gearing

William Shakespeare wrote, “Neither a borrower nor a lender be”, but the fact is debt can be a very useful tool – when used properly.

Using debt, you could buy a house you may not be able to afford outright. You just need some equity and you can borrow the rest, assuming you make the repayments.

Debt can also be used to buy investments with potential to grow in value, like shares and property. This strategy, known as gearing, may help you to build an investment portfolio faster than you could have otherwise.

To help repay the loan you’ll have income generated by your investments and possibly some tax deductions. So, for many people, servicing an investment loan can be an achievable outcome.

Steve Blizard at Roxburgh Securities can discuss a range of strategies proven to be highly effective in helping people make the most of debt. Individually, each strategy could significantly improve your financial position. By using a number of them in combination, you could optimise your finances and achieve financial independence.

Through our financial service partners, we can offer you competitive rates of finance to help you achieve your investment goals.

Phone [08] 9379 3555 [24 Hrs] or email steve@blizard.com.au for an obligation free appointment to review your finance arrangements.

Canberra Cash Grab

Inactive bank & Super Accounts to be seized Households face losses of nearly $800 million of their aggregate savings, as new laws enables the cash-strapped Federal Government to seize cash from inactive bank and superannuation accounts. From ... read more

How to stop the Federal Govt taking your super as their "revenue"

Paying for privilege of losing cash not so super for workers By Peter Costello Former federal treasurer 7 Nov, 2012 Sydney Morning Herald One of the accounting tricks the government announced in the midyear review was to take over ina... read more

New tax rules kick in

WELCOME to a new financial year Today coincides with huge changes to the tax scales and to superannuation, which makes it imperative that you look at your financial affairs to ensure you are in good shape for the future. For years marginal tax... read more

Central Bank inflation may take some time at arrive

Quantitative easing will lead to higher inflation…eventually By Steve Blizard Quantitative easing (QE) is an unconventional monetary policy used by central banks, such as the US Federal Reserve, to stimulate the economy when conventional m... read more

SMSFs most cost effective super vehicles

Reflected in ATO statistics SMSF members are paying the lowest super fund fees across the industry according to the most recent ATO figures The latest Australian Taxation Office (ATO) superannuation statistics have shown the self-managed super... read more

Lessons in a modern enigmatic China

An insider's view on China, that it is not always what it seems, challenges Western thinking. By Steve Blizard WA Business News Consultant and English language teacher, Joann Pittman, has spent the past 28 years living in three major Chinese ... read more

Ratings agencies under pressure on advice

Credit ratings agencies need a renewal of integrity. By Steve Blizard WA Business News 8 March 2012 WHILE the Labor Party's leadership fight has dominated the news cycle in recent weeks, some critical economic news has been overlooked. ... read more

Future generations will wonder...

“How did you not notice 24-year-olds were being paid $2 million a year who clearly didn’t know anything?” Michael Lewis' scathing, aphoristic, uber-sarcastic style need no introduction. As such we will ... read more

ATO figures show SMSFs still growing

More family funds estabished than ever before There were more self-managed super funds (SMFSs) in operation than ever before, with 874,000 SMSF members in 458,000 funds at the end of December 2011, according to figures recently released by the Aus... read more