Older Couple

You don’t need to be wealthy to invest … but you do need to invest to be wealthy.


If you think you have to be wealthy to invest in property you might be mistaken! In fact, the skills and experience you’ve gained managing a budget on a lower income could make you a better property investor than some big spending high income earners.

We often meet people who are hooked on the good life; living in expensive suburbs, driving fancy cars, frequently dining out and taking overseas holidays. Many will have built their wealth through a successful investment strategy but you may be surprised to find out how many don’t have adequate savings for retirement or redundancy, let alone a solid investment plan.

Lower income earners are often the ones who knuckle down and save. Careful budgeting, motivation and discipline are very important attributes of successful investors. If you have had plenty of practice stretching your dollar further and living within your means, you might already have what it takes!

Lower income earners can often have a more realistic view of investment risk.

They know they need to do something to get a better financial future. Many people are hestitant to invest because they just don’t like having debt. That’s a fair call … but you can reduce your risk.

Why People Do it

Around 20% of Australians invest in property for:

  • Potential capital growth
  • Rental income
  • Tax benefits


  • Tend to consider property one of the more solid, less volatile forms of investment because you can actually touch bricks and mortar.
  • Like the feeling of getting ahead financially.
  • Don’t want to be one of the 80% of Australians who have to rely on the aged pension when they retire.

Why Others Don’t

Around 80% of Australians don’t invest in property because they:

  • Don’t like debt
  • Need more information to take the first step
  • Don’t know how to ensure their investment property is not threatened by interest rate rises or unreliable tenants
  • Aren’t sure how to pick appealing properties for good rental return
  • Don’t realise they can probably afford it – even if they don’t have a big salary
  • Think all debt is ‘bad’ and haven’t realised an investment property could make them money and even pay for itself.

If you don’t act nothing changes. Remember …

  • You most likely have some good equity in your existing property
  • Financial institutions like lending to investors.

We can help you look at property investment options suitable for your own financial situation now and in the future. We can calculate how much you could afford to borrow to invest or explain how to use your home equity to allow you to get ahead financially with limited risk.

If this is something that you’d like to examine fill in your details below to submit your enquiry.

© Content of this blog is in partnership with Buy Australian Properties.

Warren Kruger

Specialist Tax Consultant - “Helping YOU Pay The Correct Tax And Not A Penny More”. My story starts on Christmas Eve, back in 1983 in South Africa.

Leave a Comment

Your email address will not be published.

Need Help With

Your Tax Return?

Complete the form below for a fast response

Scroll to Top
Call Now Button