The iPlan Solution

Please note

The iPlan solution involves the use of borrowing money to invest. While this strategy has many potential benefits as outlined below, there are risks which must be evaluated.

Two key considerations are:

1. While gearing may magnify returns, it may also magnify losses.
2. Cashflow management is critical - you must stick to your budget.

Therefore, the iPlan solution is not for everybody. Information on the iPlan solution detailed below is general information and please do not act until you have received tailored advice to your circumstances from an iPlan Financial Adviser.

Request a consultation with an iPlan Financial Adviser

The iPlan investment process

Our iPlan solution is very much like a franchise in that all the research, planning and testing has already been done for you and the system is ready to be crafted to your individual needs.

At the heart of our iPlan solution is a process to liberate your investment capacity.

For most people, the majorty of their income is spent on 'bad debt' - and only a small part on wealth creation and lifestyle. Our iPlan solution turns that around, freeing up your cashflow for living and investment, and reducing tax and debt.

How the process works

iPlan has developed a solution to incorporate our proven investment and financial management growth strategies - then take them a step further by unlocking your existing equity and restructuring your borrowings and cashflow to wipe out 'bad debt' faster.

Here's how it works:

1. This solution is a unique financial vehicle that enables the income generated from your investments to pay off your home loan and other 'bad debt' faster while still ensuring your investments work towards your long-term financial security.
   

2. The investment component is made up of stringently selected assets usually via managed funds. This investment is accelerated through the use of gearing, which gives us an even bigger investment potential.

3. This innovative system employs all the scientific approaches to risk minimisation, including Dollar Cost Averaging.

4. Wise taxation strategies generate additional cashflow which is also used to reduce the 'bad debt'. When the 'bad debt' is cleared, surplus cashflow can be used to accelerate wealth creation.

5. There is help at every stage, from budgeting and profit and loss analysis, to income protection and compliance matters. The performance of your investment is monitored as well as your own financial discipline to ensure that you stay on track.

Steps involved

STEP 1: START-UP

All available cashflow - salary, dividend income, tax credits, savings, rent etc - are used to pay down the 'bad debt' as rapidly as possible. As your 'bad debt' reduces this allows more money to be invested.

Your 'good debt' grows as dollar cost averaging principles are employed to take advantage of market volatility. Your investments potentially rise as a result.

Over time, available cashflow - salary, dividend income, savings and tax credits - is used to pay down 'bad debt'.

STEP 2: GROWTH

Once your 'bad debt' has been eliminated, available cashflow is now channelled towards the continued accumulation of investments. From this point forward, every cent you invest in the process contributes directly to your balance sheet.

STEP 3: MATURITY

As financial independence approaches, all available cashflow is re-directed towards paying down the 'good debt' and asset accumulation. As the amount of 'good debt' owing decreases your total net worth (balance sheet) accelerates.

Important Information: This process is not for everybody. Information on the solution detailed above, and on this website, is general information only and does not take into consideration the readers personal circumstances. To avoid making a decision not appropriate to you, the content should not be relied upon or act as a substitute for receiving financial advice suitable to your circumstances. Any reference to the readers actual circumstances is entirely coincidental.

For a simple explanation of this complex process,
call us now 1300 047 526.

Click here for our other service offerings