Investment Options

The most common investment options include:

• Shares (Australian or international)
• Managed funds
• Exchange-Traded Funds (ETFs)
• Property
• Fixed interest or bonds
• Cash or term deposits

Each option has different levels of risk, potential return, and liquidity. The right mix will depend on your goals and time frame.

It depends on your personal goals, your comfort with risk, your investment timeframe, and whether you need access to the money in the short term. A financial adviser can help match your circumstances to appropriate investment options.

Growth assets (like shares and property) aim for higher returns over the long term but can go up and down in value.

Defensive assets (like cash and bonds) offer lower, more stable returns and are less likely to lose value.

A balanced portfolio usually includes a mix of both.

No. Gambling is based on chance and short-term outcomes. Investing is about making informed decisions, managing risk, and growing wealth over time. It’s based on long-term planning—not luck.

You don’t need thousands to get started. With some managed funds or ETFs, you can begin with as little as a few hundred dollars. The key is to start when you’re ready, with a plan that fits your budget.

Diversification means spreading your money across different investment types, industries, or regions to reduce risk. If one area underperforms, others may hold up—helping protect your overall portfolio.

All investments carry some risk, but not all risks are equal. Higher returns usually come with higher risk. Good investing is about managing those risks—by diversifying, having a long-term strategy, and avoiding emotional decisions during market dips.

It depends on the type of investment. Common taxes include:

• Capital Gains Tax (CGT) when you sell an investment for more than you paid
• Income tax on dividends or interest

We can help you understand the tax treatment of different options and how to invest tax-effectively within the law.

Investing inside super offers tax advantages but limits access to your money until retirement.

Investing outside super gives you flexibility but may involve more tax.

A mix of both can be suitable depending on your age, income, and goals.

Yes. There are ethical and sustainable investment options available that avoid certain industries (like fossil fuels or tobacco) or support areas like clean energy, social justice or corporate responsibility. We can help align your investments with your values.