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Constellation Financial Planning
Holistic financial planning for tailored wealth solutions

Investments & Wealth Creation

It is never too early or too late to start or investing… Or to review current investments.

We understand no two people are the same. That’s why we offer a range of flexible investment solutions.

Our thorough process and attention to detail ensures your investments are suited to your specific goals.

We’ll work with you to identify your goals and develop an appropriate plan. Keeping you informed every step of the way. Once your plan is in place, our advisers will regularly review your investments to ensure you get the outcomes you deserve.

Start Investing

Many young people don’t think they have enough to be able to consider investing. However, with a host of low-cost options available, there is a tailored solution for you.

Investing when young means time is on your side, allowing your investment returns to compound. And when it comes to compounding, when you start investing outweighs how much you investing.

​Whatever you’re saving for, we have investments available to help you reach your goals sooner.

Boost your Returns

You’re growing financially and want to make sure your maximising your growth. We can help you do that. Through an appropriate mix of global assets designed to meet your goals.

​Many people find investing very daunting and it can be very time consuming. But by working with a trusted Adviser, we can make the investment process simple and hassle-free.

​We work closely with you throughout the entire process to ensure you understand your investments. With a plan tailored to meet your goals.

Secure your Assets

You’ve worked hard to build your asset base. Time to make sure that your money is secure, tax-effective and working hard.

​We know preserving what you’ve built is important. That’s why we focus on an appropriately diversified portfolio of high-quality assets.

​Our portfolios consist of both income and growth-style assets. We alter the weightings of our portfolios to take advantage of opportunities to boost your returns and minimise your risk. Preserving what you’ve built.

Wealth Creation

Financial independence is something many people strive to achieve, but only a few truly accomplish it. The most common reasons why people fail to achieve financial independence can be the lack of knowledge on creating wealth or the lack of confidence in applying the existing knowledge. If we don’t have the proper knowledge, we sometimes invest in assets that will lose money, rather than the ones that could generate income. However, there are some laws that we can follow to start making more money.

A big part of people will spend many years studying, to gain education that can help them to obtain the desired job. On the other hand, many people forget to educate themselves on creating a little more than just a paycheck, and that is: how to accumulate some wealth. Sometimes we have no other choice than to plan from month to month, but in other cases, a proper financial plan can help us accumulate some funds for a safer future. It’s never too late to start planning for your financial future.

Important laws for successful wealth creation and maintenance

1. Spending less money than you earn.

2. If possible, invest at least 10 % of your income wisely. Get educated, study your options, and don’t make any uneducated decisions that might bring you opposite results.

3. When your smart investments are in place, leave them to grow.

Do you follow any of these rules regularly? It’s important to start with the first rule, which many people fail to follow. Sometimes our paycheck might be too small to save and invest, but often we might spend money on things we don’t need, ending up spending more than we earn.
If we can follow the first rule, it’s important to do our homework regarding the second rule. Knowledge is very important when choosing profitable investments, and so it’s time. If we can’t afford to leave our investments to grow, we might not accumulate much, or even lose in the process.

Many people don’t plan their budget efficiently enough and find it hard to figure out how much they can save/invest.
Often people don’t realise how much they earn, until the end of the financial year, but if we measure and monitor our spending habits, it will be much easier to see how much can be put aside.
Proper budgeting can help us achieve financial independence. If we can afford to invest at least 10 % of our income, we are on the right path.

Our investments must be well-informed and wise, to give our capital growth and income. The best options we have, are directly investing in property and shares. This can also be risky, so it’s very important to gain the necessary knowledge and skills to lower the risks and minimize losses. If you only invest $50 a week, and do it wisely, in time this can prove very beneficial if successful. Gaining important knowledge and consulting a professional, is a must when investing in stocks and property.

If you invested your money wisely, it can earn interest, capital gains, and dividends. If the earnings are reinvested, it can yield additional income (due to the compounding effect). When the investments are in place, you should leave them alone, allowing them to grow. Immediately spending your earnings will give you instant gratification, but you will be right back where you started. If you can afford to leave at least some of the earnings for an extended period (for years), you might see much better results.

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Contact us today and we can help you get on track