Building wealth
Tax-effective investing
Tax-effective investing is about keeping more of your returns compounding by choosing the right structure, timing and type of investment. Channel Wealth helps Sutherland Shire clients use super, ownership between partners, and investment choice to reduce the tax drag on their wealth, working alongside their accountant, and always as part of a plan built around their goals.
Who it’s for
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You’re on a high marginal tax rate and investing in your own name
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You and your partner earn very different incomes
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You want your investments set up properly from the start
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You want your adviser and accountant working from the same plan
The quiet cost of getting structure wrong
Two families can earn the same return and end up with very different wealth, simply because of how their investments are held. Tax is one of the biggest costs an investor faces, and one of the most controllable.
Where we look
- Super. Often the most tax-effective place to invest for the long term, within the contribution limits.
- Ownership. Whether investments are best held by one partner, both, or another structure, given your incomes now and later.
- Timing. When to realise gains, and how to plan around changes in income such as parental leave or retirement.
- Investment type. How different investments are taxed, including franked dividends.
- Debt. Keeping deductible and non-deductible debt separate and working in your favour.
Working with your accountant
Tax advice and investment advice work best together. We coordinate with your accountant, so strategy and tax are aligned, and nothing falls between the two.
- Step 01
A conversation
We chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.
- Step 02
Your strategy
We gather the detail, model the options and agree the targets that will guide every decision.
- Step 03
Statement of Advice
Your recommendations in writing, with the costs, before anything is put in place.
- Step 04
Ongoing advice
Regular reviews as your income, family and goals change, so the plan keeps working.
My wife and I have been working with Rory for a number of years. We were making good money but felt we weren't getting ahead. He has been extremely helpful in helping us set up property investments, understanding our cash flow and putting our money to good use. We have seen a noticeable increase in assets and feel like we are making good progress longer term. Would highly recommend!
Related
Often part of the same plan
FAQs
Common questions
Is tax-effective investing the same as tax avoidance?
No. It means using the structures and rules the tax system intends, such as super and appropriate ownership, so your investments are not taxed more than they need to be.
Do you do my tax return?
No, we are financial advisers, not accountants. We work with your accountant so the investment strategy and the tax advice fit together.
Which investments are tax-effective?
It depends on your situation. Super, investment ownership, franking credits and the timing of capital gains can all matter. We look at your whole picture before recommending anything.
Let’s start with a conversation.
We’ll chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.