Domain

Whether you're an experienced professional investor or a novice investor finding your way in the market, Morgans Domain can help. As a full service stockbroker, we pride ourselves on offering smart, personalised investment advice that is tailored to your investment style and objectives. Our advisers are supported by an award-winning research team, as well as a leading corporate finance team that regularly provides clients with exclusive investment opportunities.

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Services

‍We can provide you with:

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Tailored share portfolios

• Advice on individual share selection and portfolio construction tailored to meet your specific investment objective.

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Award-winning research

• Recommendations supported by comprehensive internal and external research, developed by our research analysts.

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Access to local and international markets

• Access to all securities listed on the Australian Securities Exchange (ASX), the National Stock Exchange of Australia (NSX) and Chi-X Australia (Chi-X);
• Plus international equities access to 22 select exchanges, including the major markets in North America, Europe and Asia (ie Dow, NASDAQ, FTSE100, DAX, CAC, Hang Seng, Nikkei).

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New investment opportunities

• Our clients gain access to the latest company IPOs and capital raisings.

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Portfolio management

• We offer a Wealth+ managed portfolio service that takes the hassle out of investing by providing an all-embracing investment administration service.

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Online account access

• Access to our client website, allowing you to monitor your investments, read award-winning research, and check share prices, announcements and more.

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Contact us

We pride ourselves on providing client-focused advice based on thorough research, comprehensive company knowledge and many years experience in the Australian sharemarket. Contact us to find out more.

Tax planning is a key element of wealth creation. Salary packaging, superannuation, investments and tax deductible debt can create significant tax savings. By structuring your finances more efficiently you can manage the amount of tax you pay.

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Tax planning can involve:

• Maximising your after tax income
• Remuneration packaging (salary packaging)
• Capital Gains Tax (CGT) management
• Gearing
• Investing in shares that offer 100% franked dividends
• Borrowing to invest
• Small business and capital gains tax exemptions (particularly relevant to superannuation)
• Generic tax planning advice

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Because there are so many factors that contribute to the amount of tax you pay, it is important to obtain comprehensive advice.

• View the tax rates and thresholds for 2023/2024

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General tax advice

For general tax advice, you should talk to your accountant. Morgans does not provide tax advice, however our investment advice and financial strategies may be structured in a way that can reduce tax and increase after tax returns on your portfolio.

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Contact us

For help with structuring your investments and superannuation to maximise your after tax income, contact a Morgans Domain adviser.

Morgans Domain 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.

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

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Services available:

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Income-focussed share portfolios

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

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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.

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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.

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

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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

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Larger investors can also access the wholesale corporate bond market.

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Contact us

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

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

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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.

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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.

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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.

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Borrowing limits

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

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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.

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

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Borrowing risks

Any borrowing strategy should always be approached with caution.

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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.

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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.

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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 Domain adviser to seek advice on whether utilising a margin lending strategy is appropriate for you.

You can access a wealth of experience and technical expertise through our financial planning team at Morgans Domain. We can work with you to tailor wealth solutions that help you reach your investment goals.

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Financial planning is taking advantage of all the investment opportunities available to you. With the right advice and a patient investment approach, becoming a successful investor can be relatively simple.

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What we do

Our experienced financial advisers build personalised financial plans that aim to create, grow and protect your wealth.

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We specialise in:

• Selecting appropriate assets to build your wealth
• Wealth protection through personal insurance
• Superannuation strategies
• Self-managed Superannuation Fund (SMSFs)
• Tax planning to manage the amount of tax you pay
• Planning for your retirement
  

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Our approach

Your Morgans adviser will take you through the wealth management planning process, implement your strategies and help you make the most of all opportunities.

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This wealth management process helps you set short- and long-term goals and use a range of investment strategies to achieve those goals.

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Strategies are developed around the principles of saving tax, choosing the right investment structures, minimising risk, personal insurance and generating a large-enough asset base to provide you with financial security.

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The strategies to save tax involve structuring salary, superannuation, investments and debt. Risk is minimised through the diversification of investments and monitoring portfolio performance.

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Wealth management philosophy

Your Morgans adviser will work with you to put in place a wealth management plan that will help you achieve your lifestyle goals – or help you create a better life.

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Life stage planning

Through each stage of your life you will focus on issues that are relevant at that time. We can implement strategies that help you create and save your wealth, regardless of your life stage.

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View our guides for the key things to consider during your twenties, thirties and forties and when transitioning to retirement:

• In your 20s – Guide to financial independence‍
• In your 30s and 40s – Guide to financial independence‍
• Life begins at ... – Guide to financial independence

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Contact us

With the right advice and a patient investment approach, becoming a successful investor can be relatively simple. To find out more, contact a Morgans Domain adviser today.