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Building your wealth

Taking out an investment home loan to invest in property can be a great way to increase your personal wealth. This can be either as a standalone investment or as part of a broader strategy. In this section you’ll find information on the different types of investments and diversifying your portfolio.

Diversifying your portfolio

As a potential or active investor, you have four main investment types to choose from in developing your portfolio. These are:

  • Cash
  • Fixed interest, e.g. government or corporate bonds
  • Property
  • Shares

Find out more about diversifing your portfolio

When considering which investment options are right for your portfolio, it’s important to consider the risk vs. return for each. Some offer better security but lower returns than others, and vice versa.

Find out more about risk versus return

By developing and diversifying your portfolio, you increase your wealth building opportunities and can also reduce your level of risk. Keep this in mind when mixing other investment types with your investment property.

Find out more about diversification.

Building wealth with your investment property

Taking out an investment home loan and investing in property is a long-term commitment, but can also be a great way to build your wealth. This can be achieved by:

  • The market value of your investment property rising.
  • Income generated from rent.
  • Tax benefits through gearing.

Find out more about building wealth with your investment property.

Insurance and wealth protection

An investment home loan is a long-term commitment, so it’s important that your property provides regular returns to cover your repayments and build your wealth.

Find out how you can protect it with our Investment Home Package. And while you’re at it, why not consider whether your own home and contents insurance and personal insurance are providing you with the cover you need.

Find out more about insurance and wealth protection.

Back to Planning your investment Investment planning


  • Important information
    Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in the Loan Offer. Bank fees and charges are payable. Insurance refers to products offered by Commonwealth Insurance Limited ABN 96 067 524 216 (CIL) and The Colonial Mutual Life Association Society limited ABN 12 004 021 809 (CMLA) both wholly owned but non-guaranteed subsidiaries of the Commonwealth Bank of Australia.
    Home Insurance is offered by CIL, Loan Protection and Life Insurance is offered by CMLA. The Commonwealth Bank of Australia and its subsidiaries (excluding CIL and CMLA) do not guarantee the obligations or performance of CIL or CMLA or the products they offer. Where the Commonwealth Bank of Australia acts as an agent for CIL or CMLA, the Commonwealth Bank receives a commission from CIL or CMLA respectively. Applications for Loan Protection are subject to assessment and the settlement and funding of your loan or establishment of your line of credit facility. Product Disclosure Statements (PDSs) are available for these products by calling 13 24 23, visiting or from any branch of the Commonwealth Bank. The PDS should be considered before making any decisions about these products.
    As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide.