Wealth Creation

“When you make a choice


you change the future”

Deepak Chopra


“For most Australians, income is the most important resource they have to meet their living costs. However, reserves of wealth can be drawn upon to maintain living standards in periods of a reduced income or substantial unexpected expenses. Considering income and wealth together helps to better understand the economic well-being or vulnerability of households.”

ABS 6523.0 – Household Income and Wealth, Australia

Wealth is defined as assets minus liabilities.

Assets may be real or financial.

Real assets are tangible, such as real estate, cars, jewelry, furniture, while financial assets are cash, shares, or managed funds.

Liabilities are debts owed; examples would be a mortgage on a property, a credit card debt or a margin loan.

Wealth provides security and freedom to enjoy the lifestyle you desire.

It provides you with enhanced options.

Income and wealth in Australia are unevenly distributed. The fact that income is uneven is not necessarily a problem* to be solved; the ability to increase your income or wealth in return for hard work, risk-taking and investment are strong incentives that drive growth and development in the economy. (the motivating force of self-interest)

Approximately 60% of the total private wealth in Australia is held by only 20% of the population.


Most wealth in Australia is not inherited but created by individuals who not only worked for their money but put their money to work for them, many of them penniless migrants who came to Australia and saw an opportunity!






If you are fortunate enough to be able to divert some of your income to savings and to invest and increase your net wealth for the future, the opportunities exist in this country.

Once you have the capacity and knowledge to create wealth, the rule of law and government policy provide the framework and security to do so.

Australians are in an advantageous position when it comes to many dimensions of freedom, security and opportunity.

Global comparisons demonstrate the privileges we enjoy:





The opportunities exist,

whether you take advantage of them or not

is up to you!