Understanding the impact of taxation on your wealth is a powerful tool in the financial planning process. Ensuring your investments are structured in the most effective way to minimise your taxes whilst maximising your investment potential is our focus.

There are many options including various asset allocation strategies available for investors. We tailor the investment advice to suit you and gear it to achieve your dreams.

Tax Effective Investments

Nobody likes to pay tax. You may be able to reduce tax by utilising the right type of investment.

Some examples of tax effective investments are:

  • Superannuation & Pensions
  • Investment Gearing (Property, Shares and Managed Funds)
  • Borrowing and investing into Capital Protected Investments
  • Investment Bonds
  • Salary Sacrificing
  • Transition to Retirement (TTR)
  • Debt Recycling

You may be able to claim a tax deduction and increase future deductibility while acquiring an asset at the same time.

Introduce a long-term tax effective strategy that is beneficial and financially rewarding.

Each and every person has a different financial structure, building a future income stream is vital in today’s ageing population – who knows what complications will arise in the future for Australian retirees.

Provide for your future and that of your children by implementing a strategy sooner rather than later.

Cash Management Accounts (CMA)

With a CMA also comes an excellent cashflow management system, providing the flexibility and control to help you manage transactions. The CMA offers easy access to account and cashflow information so that you can keep track of all payments to and from the account, including distributions, pension payments, expenses, member contributions, asset purchases and sales.

With a CMA at the heart of your wealth creation and cashflow management strategies, you will also benefit from a competitive interest rate. The interest you earn on the balance of your Account is subject to fluctuations in the interest rate so there is no guarantee that you will always earn a particular rate of interest on the balance of your Account.

Term Deposits

A term deposit is an investment where the interest rate is guaranteed not to change for the nominated term, so you’ll know exactly what your investment’s worth. Choose the term to fit with your other investment plans and, as your returns are secure, your term deposit can be used as an income stream.

Separately Managed Accounts

A Separately Managed Account (SMA) is a customised share portfolio where the shares are owned by individual investors. Your investment in a SMA is allocated across one or more existing investment models. These investment models have been provided by investment specialists and vary in focus in much the same way that managed funds vary in their risk and return objectives.

Direct Property

Most Australians have some property investment – typically their own home or a house or unit which they have bought. If the property is the principle home, then the hope is that the property will rise in value over time (capital growth). For investment properties investors get the benefits of both income (rent) and hopefully capital growth.

Direct property has historically provided investors with attractive returns and low volatility when compared with other investment classes.

A-REITs (Listed Property)

An Australian Real Estate Investment Trust (A-REIT) is a unitised portfolio of property assets, listed on a stock exchange, usually the Australian Stock Exchange (ASX). A-REITs (Australian real estate investment trusts) give investors access to property assets.

Managed Funds

A managed fund pools your money with money from other investors to form an investment fund. Specialist investment managers then invest the money in the fund on your behalf.


For further information on these types of investments please refer to the specific pages.

General Advice Disclaimer

This information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Professional Investment Services (PIS) Authorised Representative before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Professional Investment Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.