Popular Ways Australians Invest – Which Strategy (or Combination) Suits You Best?
Thinking about growing your wealth but not sure where to begin?
At Finspire Advisers, we know that building wealth isn’t about chasing trends, it’s about making informed, confident decisions that align with your goals, lifestyle, and values.
Whether you're paying off a mortgage, growing your super, investing in shares, or considering borrowing to invest, or a combination of all four — this guide will help you understand your options.
🏡 1. Pay Off Your Home Loan Faster
Paying down your mortgage is one of the most reliable ways to build wealth. By reducing your loan balance, you save on interest and increase your equity — giving you more financial flexibility in the future.
Example:
If you have a $600,000 loan at 6.5% interest and negotiate it down to 6.0%, then add $200/month in extra repayments, you could save over $100,000 in interest and pay off your loan years earlier.
Why it works:
Interest savings
Equity growth
Flexibility to refinance or invest later
💼 2. Invest in Superannuation
Super is a powerful long-term investment vehicle, and one of the most tax-effective ways to grow your retirement savings.
Example:
If you’re 40 with $150,000 in super and contribute an extra $100/week, your balance could grow by over $400,000 by age 65 (assuming 7% p.a. returns).
Why it works:
Contributions taxed at just 15%
Compounding returns over time
Diversified investment options
📈 3. Build a Diversified Share Portfolio
Investing in shares offers flexibility, liquidity, and strong long-term returns. You can start small and build gradually using ETFs or managed funds.
Example:
A $10,000 investment in a diversified ETF earning 9% p.a. could grow to $23,673 in 10 years.
Why it works:
Accessible entry points
Potential for capital growth and dividends
Control over your investment style
🧮 4. Borrow to Invest (Gearing)
Gearing involves using borrowed money to invest — often in shares or property. It can amplify returns, but also increases risk.
Example:
Invest $100k of your own money and borrow another $100k.
→ If the investment grows 10%, your portfolio is worth $220k = 20% return.
→ If it drops 10%, it’s worth $180k = 20% loss.
Why it works (for the right investor):
Magnified returns
Tax-deductible interest
Access to larger investments
🔀 You Don’t Have to Choose Just One
Many Australians combine strategies — like paying off their mortgage while contributing to super and investing in shares. The right mix depends on your:
Financial goals
Time horizon
Risk tolerance
Current financial position
🧡 A Personal Note from Chris Keating
“Over the years, I’ve seen how powerful it can be when clients take control of their financial future — whether it’s making that first extra mortgage repayment, boosting their super, or starting a share portfolio. The most successful strategies are often a combination, tailored to your goals and lifestyle. At Finspire, we’re here to help you make confident, informed decisions every step of the way.”
— Chris Keating, Principal Financial Planner, Finspire Advisers
💬 What Our Clients Say
“Chris helped us understand how to balance paying off our home loan with investing in super and shares. We feel more confident about our future and have a clear plan in place.”
— Sarah & James, Warners Bay NSW
📞 Let’s Build Your Strategy Together
At Finspire Advisers, we provide holistic, personalised advice to help you grow and protect your wealth — with clarity and confidence.
👉 Book a complementary appointment
📍 Based in Eleebana, NSW — proudly serving clients across Australia
⚠️ General Advice Warning
This blog contains general information only and does not take into account your personal objectives, financial situation, or needs. Before making any financial decisions, consider whether the information is appropriate for your circumstances and seek professional advice.