Financial Advisers in Bowral

Morgans Bowral provides professional investment support for residents of the Southern Highlands. Whether you’re an experienced trader or just starting your investment journey, our Bowral stockbrokers deliver clear, personalised advice. We focus on building long-term wealth through high-quality share selection and strategic planning. Our local team combines regional insight with a national network to provide you with a superior trading experience.

• Custom Share Portfolios: We offer professional guidance on selecting individual stocks and constructing a balanced portfolio that suits your risk profile.
• Top-Tier Research: Every recommendation we make is backed by the insights of our award-winning national research team.
• Local and Global Trading: Trade on all major Australian exchanges like the ASX, NSX and Cboe. Plus, gain access to 22 international markets across North America, Europe, and Asia.
• Capital Market Offers: Our clients get direct access to the latest company IPOs and exclusive capital raisings.
• Wealth+ Admin Support: Simplify your investing with our managed portfolio service. We handle the paperwork and administration so you can stay focused on your strategy.
• Online Account Tracking: Monitor your performance 24/7 through our secure portal. You can check share prices, read market news, and access research reports instantly.

To explore our full range of share trading strategies and investment philosophy, visit our national Stockbroking services page.

Morgans Bowral prides itself on providing a complete solution to all your financial needs. In addition to providing a range of share investment options, our advisers are able to include cash investment alternatives as part of your broader investment strategy.

As a Morgans client, you have access to advice and research across a wide range of listed and unlisted income and fixed interest securities.

Services available:

Income-focussed share portfolios

We specialise in building dedicated income-focussed portfolios for investors. Ask us how you can improve your income today.

Cash management accounts

We offer a range of at-call cash facilities paying attractive interest rates. Our preferred products provide you with direct bank deposits in your name with some of Australia's best known banks, all with "at-call" convenience, which means you can readily access your money.

These accounts can be linked directly to your share trading account for easy settlement. You can also have your dividend and interest payments credited directly to the account and make regular payments from it.

Your adviser can handle all the paperwork as well as ongoing transactional instructions, freeing you of the administrative burden.

Term deposits

A term deposit is a deposit held at a financial institution that has a fixed term, generally paying a higher interest rate than an "at-call" account. You can use a term deposit to enhance the returns on surplus cash balances and as the foundation for building a dedicated income portfolio.

Morgans has preferential relationships with a host of leading banks and other Authorised Deposit taking Institutions (ADIs). Funds can be swept from your "at-call" account and invested for the term and interest rate that best suits your needs.

Foreign currency term deposits

A foreign currency term deposit is a foreign denomination held at a financial institution that has a fixed term. Rates offered are very attractive on deposit amounts of AUD100,000 or greater.

Flexible/structured term deposits

Flexible term deposits offer the ability to combine both floating and fixed interest rate payments within a single deposit. This allows investors to structure interest payments based on their view of future interest rate levels. Morgans offers these products on deposit amounts of $100,000 or greater.

Listed debt and hybrid investments

As a major participant in the Australian listed fixed interest securities market, we can offer you advice as well as a range of new investment opportunities from a range of Australia's largest banks and industrial companies.

Listed debt and hybrid investments deliver higher levels of income, paid regularly; some also offer the benefits of franking. Your adviser can build a tailored income portfolio for you, which unlike managed fund alternatives, can be constructed to take into account your specific objectives and risk profile.

Government and corporate bonds

We offer a comprehensive Government bond investment service, including custody facilities. Bonds improve portfolio diversification and help reduce portfolio risk while providing stable income.

The yields on Government bonds will generally be lower than most other interest rate investments but provide absolute security when held to maturity.

Larger investors can also access the wholesale corporate bond market.

Contact us

For more information or a term deposit interest rate quote please contact a Morgans Bowral adviser.

Margin lending is borrowing money which you use, in addition to your own money, to invest in financial products such as shares and managed funds.

Essentially, you are "leveraging" the value of your investments through borrowing.

You must have adequate cash or existing shares to use as security for the loan. Only certain shares can be used as security and the amount that can be borrowed will vary for different shares.

Benefits

• Margin lending can give you an opportunity to increase the size of your investments and to diversify your investments. Diversifying your portfolio can reduce your level of risk in the market.
• It can also provide an opportunity to increase the gross return on your own equity by achieving excess returns over tax and borrowing costs.
• Borrowing also allows you to invest at a time you want to invest, rather than having to wait until you have saved enough. This can help you avoid missing out on investment opportunities.
• Interest on borrowed funds is generally tax deductible provided the funds are invested in Australian assets for income-producing purposes.

Please note: Deriving a tax benefit should not be your core focus. You should seek qualified tax advice from a registered tax agent so that you fully understand your personal tax position.

Borrowing limits

Margin lenders generally only allow you to borrow up to a certain value, or percentage, of the shares you wish to buy.

Commonly, limits are set at a maximum of 75% (known as the Loan-to- Value Ratio or LVR) of the value of the shares (less if the share is more speculative or risky). This means you have to make up the difference (ie 25%) with your own cash or existing shares.

This difference is referred to as the “margin”; hence the term “margin lending”.

Borrowing risks

Any borrowing strategy should always be approached with caution.

While borrowing to invest has the ability to leverage returns from investments, it also heightens investment risk. This is because you have a greater amount invested, which will magnify your losses if returns are negative.

Margin lending should be implemented as a long-term investment strategy to allow time to overcome any market volatility and for the leveraging effects to work.

Contact us

Borrowing to invest can be an effective long term strategy for wealth creation as long as you understand the risks and the impact gearing may have on your overall returns.

Contact your Morgans Bowral adviser to seek advice on whether utilising a margin lending strategy is appropriate for you.

New investment opportunities are regularly made available to our clients across all asset classes and industry sectors through company IPOs and capital raisings. View our latest offers here.

Managing your retirement assets in the Southern Highlands requires an astute understanding of how superannuation can be leveraged as a tax-effective vehicle. Our Bowral team delivers a dedicated, client-focused approach to superannuation management, helping local families and professionals build lasting security. We keep you up to date with legislative adjustments and thresholds so you can make informed decisions about your financial future.

• Custom Retirement Strategies: Build a comfortable standard of living in retirement by forming a strategy that maximises long-term financial incentives.
• Employer Super Guarantee Auditing: Ensure your employer contributions are correctly structured, and complement them with smart voluntary after-tax contributions.
• Government Co-Contribution Entry: Evaluate your eligibility for government co-contribution payments based on your personal voluntary contribution levels.
• Transition to Retirement Frameworks: Access your accumulated wealth early through structured pension systems while continuing your professional career.
• Account-Based Pensions: Benefit from more generous Centrelink treatment and generate more tax-effective income by rolling your super into an account-based pension stream.
• Fund Choice and Structuring: Compare the merits of retail super funds, corporate funds, and self-managed superannuation options to find the right fit for your family.

Protect your family lifestyle and future retirement comfort. Read more about our superannuation advice solutions to lock in your long-term roadmap in the Southern Highlands.

More and more people are realising the advantages of making their own investment decisions and taking control of their retirement strategy.

An increasingly popular way of doing this is by setting up a self managed superannuation fund (SMSF).

An SMSF gives members of the fund control over specific investment choices involving their superannuation. They can tailor their own investment strategies and select specific assets such as listed securities, managed investments, cash and term deposits, international equities, instalment warrants and so on.

How can we help?

Morgans offers a variety of services for SMSFs, including structure, setup, advice, rollovers, investments, administration and compliance.

We have investment advisers who specialise in superannuation and a technical research team that provides updates and support on the latest in superannuation developments.

Our Services

SMSF administration & investment reporting

Our Wealth+ SMSF Solution is an all-encompassing investment administration and SMSF administration service that allows you to take advantage of the flexibility and control of an SMSF, but outsource the work involved in establishing and running your fund.

Your SMSF investments are managed through our Wealth+ Managed Portfolio Service, which provides you with comprehensive reporting on your fund portfolio and investments, in addition to your annual member statement.

Investment reporting

Clients and their accountants can benefit from our Wealth+ Managed Portfolio Service, which is a reporting facility that we offer for investment administration. This service makes investing easier by collecting and recording all investment information/documentation, however SMSF trustees will need to arrange annual administration of the SMSF using an accountant or administrator.

SMSF administration

Our SMSF administration only service provides fund administration without the portfolio administration. Please contact us or your Morgans Cairns adviser to find out more.

More information

If you would like to find out more before contacting one of our advisers, the Morgans technical research team has produced An essential guide to taking control of your super, which provides further detail on SMSFs.

More and more people are realising the advantages of making their own investment decisions and taking control of their retirement strategy.

An increasingly popular way of doing this is by setting up a self managed superannuation fund (SMSF).

An SMSF gives members of the fund control over specific investment choices involving their superannuation. They can tailor their own investment strategies and select specific assets such as listed securities, managed investments, cash and term deposits, international equities, instalment warrants and so on.

How can we help?

Morgans offers a variety of services for SMSFs, including structure, setup, advice, rollovers, investments, administration and compliance.

We have investment advisers who specialise in superannuation and a technical research team that provides updates and support on the latest in superannuation developments.

Our Services

SMSF administration & investment reporting

Our Wealth+ SMSF Solution is an all-encompassing investment administration and SMSF administration service that allows you to take advantage of the flexibility and control of an SMSF, but outsource the work involved in establishing and running your fund.

Your SMSF investments are managed through our Wealth+ Managed Portfolio Service, which provides you with comprehensive reporting on your fund portfolio and investments, in addition to your annual member statement.

Investment reporting

Clients and their accountants can benefit from our Wealth+ Managed Portfolio Service, which is a reporting facility that we offer for investment administration. This service makes investing easier by collecting and recording all investment information/documentation, however SMSF trustees will need to arrange annual administration of the SMSF using an accountant or administrator.

SMSF administration

Our SMSF administration only service provides fund administration without the portfolio administration. Please contact us or your Morgans Bowral adviser to find out more.

More information

If you would like to find out more before contacting one of our advisers, the Morgans technical research team has produced An essential guide to taking control of your super, which provides further detail on SMSFs.

Margin lending is borrowing money which you use, in addition to your own money, to invest in financial products such as shares and managed funds.

Essentially, you are "leveraging" the value of your investments through borrowing.

You must have adequate cash or existing shares to use as security for the loan. Only certain shares can be used as security and the amount that can be borrowed will vary for different shares.

Benefits

• Margin lending can give you an opportunity to increase the size of your investments and to diversify your investments. Diversifying your portfolio can reduce your level of risk in the market.
• It can also provide an opportunity to increase the gross return on your own equity by achieving excess returns over tax and borrowing costs.
• Borrowing also allows you to invest at a time you want to invest, rather than having to wait until you have saved enough. This can help you avoid missing out on investment opportunities.
• Interest on borrowed funds is generally tax deductible provided the funds are invested in Australian assets for income-producing purposes.

Please note: Deriving a tax benefit should not be your core focus. You should seek qualified tax advice from a registered tax agent so that you fully understand your personal tax position.

Borrowing limits

Margin lenders generally only allow you to borrow up to a certain value, or percentage, of the shares you wish to buy.

Commonly, limits are set at a maximum of 75% (known as the Loan-to- Value Ratio or LVR) of the value of the shares (less if the share is more speculative or risky). This means you have to make up the difference (ie 25%) with your own cash or existing shares.

This difference is referred to as the “margin”; hence the term “margin lending”.

Borrowing risks

Any borrowing strategy should always be approached with caution.

While borrowing to invest has the ability to leverage returns from investments, it also heightens investment risk. This is because you have a greater amount invested, which will magnify your losses if returns are negative.

Margin lending should be implemented as a long-term investment strategy to allow time to overcome any market volatility and for the leveraging effects to work.

Contact us

Borrowing to invest can be an effective long term strategy for wealth creation as long as you understand the risks and the impact gearing may have on your overall returns.

Contact your Morgans Cairns adviser to seek advice on whether utilising a margin lending strategy is appropriate for you.