The tipping point for wealth building is simple.

When your mortgage drops below half your home’s value,

It’s time to look beyond bricks and mortar.

Owning a home is a milestone. But holding too much in property can slow you down. Once your debt is less than 50% of your property’s value, you unlock new options.

This is the moment to balance your portfolio.

Property is solid, but it’s not liquid. You can’t sell a bedroom to pay for a new car or cover a sudden bill. That’s why smart investors start shifting some wealth into assets that are easy to buy and sell—like shares or managed funds.

Liquid assets are your financial shock absorbers.

They give you flexibility. They let you act fast when life changes or when new opportunities pop up. Shares and managed funds can grow your wealth and be cashed out in days, not months.

Superannuation is a powerful tool, but it’s locked away until retirement.

If you’re in your late 40s, you’re still 15 to 20 years from touching your super. That’s a long wait. You need investments you can access and manage now, not just when you hit retirement age.

Debt is not the enemy. It’s a lever.

Used well, debt can speed up your wealth creation. Borrowing to invest in liquid assets can work, as long as you keep repayments under control and stick to assets you can sell quickly if needed.

Here’s how to put this into action:

• Check your mortgage. If it’s under 50% of your home’s value, you’re in the sweet spot.
• Start shifting some wealth into shares or managed funds. These are easy to buy, easy to sell, and can grow over time.
• Keep your super growing, but don’t rely on it for flexibility before retirement.
• Use debt wisely. Only borrow what you can repay, and stick to assets you can sell fast if you need to.
• Review your portfolio every year. Make sure you’re not too heavy in property or too light in liquid assets.

The goal is balance.

A balanced portfolio gives you growth, flexibility, and peace of mind. You’re not stuck waiting for retirement or hoping the property market stays hot. You’re ready for anything.

Wealth is not just about what you own.

It’s about what you can use, when you need it.

Build your future with both hands—one on your home, one on your liquid assets.

That’s how you stay ready, stay flexible, and keep growing.