Investments

Investments

Investing means becoming wealthier by buying and sometimes selling assets that provide income while you hold them and capital when you sell them.

There are two ways to invest and three broad types of investment. We can assist you with all of them.

The two ways to invest are directly or indirectly. Direct investment is where you buy and hold investment assets in your own name (or in the name of some entity that you control, such as a family trust or a self-managed super fund). If direct investment is what you are after, we can help you find the right investments to make and the right ways to manage those investments. A big part of this is making sure that you buy the asset in the right hands. Sometimes this is yourself, but sometimes it is not.

Indirect investment is where you employ an investment manager to buy and hold investment assets on your behalf. We can assist you to identify the managed investment option or options that best suits your circumstance and your goals, and then show you how to access the particular benefits of managed investments to minimise your risk.

The three broad things in which you can invest are shares, property and cash fixed/interest. The specific choice of investment types, and the way in which you mix these choices within your portfolio, is different for each person.

We take the time to assist you to identify which type or types of asset class makes most sense, and then assist you to make either a direct or indirect investment accordingly.

SHANE PLUMRIDGE

Director and Financial Planner

Shane has been running a thriving practice since 1998. Having cut his teeth with St George Bank, he initially set up as a mortgage broker, before adding financial planning in 2006. Shane combines these decades of experience with an Associate Diploma in Accounting and Diplomas in Financial Planning and Finance & Banking.

Shane works with clients, young and not so young, providing assistance with every aspect of their financial profile. On the mortgage broking side, Shane assists clients with all forms of lending, including residential property loans, investment property loans and lines of credit. Refinancing is a specialty, as is vehicle and equipment finance. Shane’s business owning clients love the attention to detail he brings to their business lending requirements.

On the financial planning side, wealth management and insurance are key interests, as is assisting young people establish their financial footholds with things like the first home. Many of these young clients are the adult children of older clients who have been with Shane for many years. Shane finds these ‘inter-generational’ referrals especially gratifying, honoured that his clients see him as the natural source of information and inspiration for their own children. Similarly, most of Shane’s ‘new’ clients are referred to him by very satisfied current clients.

Shane is also keenly interested in self managed superannuation, and many of his clients benefit enormously from his expertise in this area. He provides assistance at every stage of the SMSF journey, from establishing the fund, maintaining compliance, developing and implementing effective investment strategies including property investment, preparing and lodging tax returns and closing funds when they are no longer required.

On the personal side, Shane is actively involved in the local sporting community, especially cricket, AFL, soccer and netball.

Shane Plumridge is an authorised representative (305984) of Wealth Today Pty Ltd (AFSL 340289). Shane is also an authorised credit representative (376728) of Mortgage Wisdom Australia Pty Ltd (ACL 377272).

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