Feeling Frugal?

Feeling Frugal?

That’s ok.  Things are tough out there right now.

As many households pull the purse strings a little tighter, the realisation gradually dawns that every penny counts.

And with thousands of Australians now hovering in financial no man’s land, how is it even possible to think with a clear head about monetary matters?

If this pandemic has taught us anything, though, it’s that life goes on without all the non-essentials.  It’s become increasingly apparent that we don’t really need that new tv or a holiday in France.  What we do require, however, are the important elements like food, water and shelter that are necessary for survival.

When you strip it all back to basics, there is one other significant necessity that will sustain a comfortable and secure life ahead.  That’s having enough money for retirement.

If you are currently out of work due to the health crisis, the thought of having to press pause on your super instalments is enough to set you into a panicked tailspin.

But, take a deep breath – because you don’t need to worry about that.  Not when there is a better deal on the table.

What if you could keep topping up your super fund without the need for extra cash?  Imagine if you could invest your super and walk away with double your money within a few short years.  It’s unlikely that your current fund is doing that.

The way forward is to take advantage of the right strategy. And GSA has worked all that out for you.  It couldn’t be simpler!  With the heavy lifting already taken care of by our senior investment team, the rest is up to you.  You don’t need to do anything else other than use what you already have.  No fluff.  No catch.  No bells and whistles.  Just common sense.

If you’d like to hear more about how to go from frugal to flourishing in a flash, get in touch today.

The ebb and flow of recession, and what it means for you

The ebb and flow of recession, and what it means for you

Economists say housing prices could fall as much as 20% if a recession lasts longer than six months (or two consecutive three-month periods).

With the imminent ebb in market growth thanks to the current global pandemic, it’s an alarming realisation for homeowners. Market experts have reported a rush to sell amid the mounting crisis.

While minimal interest rates provide some welcome home loan relief; a dwindling asset value is less than desirable.

If you were looking to sell your home or use it as investment equity in the near future, you might find you’re left a little short-changed.

It could be good news for buyers – though, with many currently being forced out of their jobs, the prospect of snapping up cheap real estate loses much of its sheen. Rather than researching lucrative property options, many households are having to scrape their pennies together just to put food on the table.

When the economy eventually starts to bounce back, it will be happy days for income earners, yet a slow process to full recovery. Even though housing prices may remain low, other essential daily expenses will soar in an effort to stimulate economic growth.

It’s a difficult time for many Australians, most of whom are battling to pay the bills and looking for a way out.

Though cash flow may be tight in this financial climate, there is still a way to generate wealth for the roads ahead.

Rather than relying on salary instalments, you can use your existing superannuation to boost your future comforts.  It’s a transition to a prosperous retirement that doesn’t require any extra funds.

Instead of dipping into your nest egg for immediate cash flow, think long-term gain over short-term relief.  By using your super to invest in GSA’s property syndication plan, you can generate fast and high-yielding rewards and give back to your future self.

Get in touch with our investment team today – and sail the tides of change to a buoyant tomorrow.

Need a stress-free financial experience? You’ll never believe what you can do!

Need a stress-free financial experience? You’ll never believe what you can do!

Are you caught in a vicious circle of money in – money straight back out again?  Does it sometimes feel like you’re taking two steps backwards for every tentative step forward?

If you’re continually tearing your hair out trying to get ahead, then you’re not alone.

Financial matters can be stressful.  In fact, they can be downright distressing. But they don’t have to be.  Not if you know all the secret nooks and crannies of earnings and profit.

And one such secret is what we call passive income.

It’s a strategy that allows you to grow your wealth effortlessly and expand your revenue capabilities.  And you don’t even have to lift a finger!

The idea is to let your money do all the hard work in the background, while you keep living your best life.  You don’t need to try and scrape together any extra funds – you simply use what you’ve already got.  If you invest your existing savings or equity with the right entity, you can be financially free in no time.  And your best bet – is property.

Now, add to that the opportunity to invest in a whole complex of brand-new luxury apartments or townhouses for a fraction of what you’d ordinarily pay for just one residence.  Imagine you could then collect your profits after only five years and walk away.

This strategy is what’s known as Property Syndication.  It’s nothing new, but the way GSA approaches the playing field is certainly unique.

We’d like you to experience a prosperous and carefree lifestyle as early as possible.  It’s an entirely plausible prospect, given you’ve probably got everything at your fingertips to help you get there.

Our investment team is standing by to take you diligently through the process.  Get in touch today and find out what you really can do when you know how.

Make it your business

Make it your business

When the average person looks at acquiring investment property, they probably imagine the joy of earning a passive income from a single rental apartment.  After all, it’s quite possibly all they can afford.  And surely, this will be enough to give them a little something extra in their pocket.

While this approach has some merit, it’s not exactly going to provide them with the riches they may seek.  More often than not, the ongoing costs of insurance, agency fees, and maintenance will quickly eat into their profits.

So, rather than having a mere flutter on the market, they should be treating their investment process less like a hobby, and more as a business.  Instead of settling for one lone piece of real estate, a diligent investor should aim for a portfolio of multiple properties.

But it would be foolish to think that you could just go from nothing to wealthy overnight.  It takes time and strategy to get the ball rolling along nicely. And quite often, many people find it difficult to even come up with the extra cash for a small unit in an outer suburb.

Then how do you find the funds you need for your first investment and accumulate enough for further ventures?

What you need is an opportunity to spend less to make more.  But does such an option exist?  You bet!

With GSA’s property syndication model, you can pool your funds with other like-minded investors – which means you won’t have to outlay as much for a piece of the action.  But you do get to invest in an entire complex of apartments or townhouses, as opposed to just one tiny flat. This means you receive a share of the profits for the whole building.  Plus, you never have to worry about all the added costs of going it alone.

The beauty of our strategy is that you need only invest for a short-term five-year period.  At the end of the term, you can either take your high yield returns and opt out, or you can extend your investment for another term.  And this is how you get the ball rolling.

Get in touch with our investment team today and find out how you can effortlessly go from hobbyist to managing director.  You really can mix business with pleasure!

Pay and receive at the same time?

Pay and receive at the same time?

Yes, it is possible to pay your mortgage and earn a passive income from investment in one fell swoop.  Even with regular loan repayments, you can still boost your wealth and set yourself up for a financially secure future.

Never thought this was a viable option?  You’re not alone.

Many homeowners feel stuck in a perpetual cycle of income in – bills straight back out.  It seems beyond their comprehension that they may ever be able to break even, let alone get ahead.

There are several strategies employed by those in financial turmoil, each hoping it will give them some much-needed leeway.  But they’re quite probably doing more harm than good in the long run.  Methods like extending the mortgage to free up cash or shuffling shares to self-managed super funds may end up costing them more in taxes and interest.

So, what’s the plan, Stan?

By the time you’re in your 40s, keeping your financial life on track is more important than ever.  With retirement on the not-too-distant horizon, it would be prudent to start looking at all the feasible alternatives.

The current economic climate provides the perfect springboard to financial success.  Although it may sound counter-intuitive, now is the time to pay down your home loan sooner, rather than later.  Instead of extending your mortgage period to access more investment funds immediately, take advantage of the near-zero interest rates to knock your debt on the head faster.  By doing so, you will own more of your asset.  You then have more at your fingertips to use as equity for investment.  And this cycle creates escalating growth and paves a smooth path to retirement.

The fastest way to earn a passive investment income is to inject your funds into a high-yield, low-risk scheme like property.  And with GSA’s property syndication model, you can expect desirable returns over a short-term investment period.  This means you’re paid generous and consistent rewards, without being locked into long-term contracts.

Want to find out more?  Get in touch with one of our senior consultants as soon as possible.  Why choose between your house or your lifestyle – when you can have both?

Avoid the landlord at all cost

Avoid the landlord at all cost

Believe it or not, it’s cheaper to buy a property than to rent one in certain areas. So, if you had the chance to ditch the landlord once and for all, wouldn’t you?

Of course, it comes down to individual preference and viable relocation options.  But if you’re not too fussy, or you’re already in the right spot, you could be saving yourself some precious pennies.


According to CoreLogic data research, it’s possible to service a mortgage for less than it costs to rent, for around 34% of all Australian properties.


To break that down further, 6 of our capital cities currently offer favourable buyer vs renter opportunities, with Darwin coming in at 77.6%!

Following closely behind are Hobart at 59.7%, Brisbane 48.8%, ACT 44.9%, Perth 44.3%, and Adelaide at 40.6%.

It comes as no surprise that Melbourne’s offerings are a bit meeker, with an estimated cheaper mortgage repayment figure of just 9.6%.

And Sydney’s piddly 7.1% is disheartening, though you could still expect to secure a bargain in the outer western suburbs of Parramatta and Auburn.

There are some hidden factors that might influence the rent to mortgage ratio, pushing rental prices much higher.  Transitory areas like mining or university towns, for example, or simply a shortage of vacancies, can affect the numbers.

The flip side is that these figures don’t account for the cost of having to save for a 20 per cent deposit on a home loan. The struggle to find this reserve places extra pressure on the rental market, inflating tenant outlays further.

It’s certainly worth considering your options.  Isn’t it better to be paying off your very own mortgage, instead of servicing someone else’s?

If you’re grappling with lack of funds right now, let us help you accumulate more.  You can use what you’ve already got to double your money in a very short time.

Come and have a chat with one of our senior finance consultants to find out how.  And you can finally be lord of the manor.