The Modern Wealth Formula

Same DNA as the classic 60/40 — a growing asset paired with a defensive one — rebuilt for the era you’re actually investing in today.

MPC Markets Pty Ltd (ABN 33 668 234 562) · CAR of LeMessurier Securities (AFSL 296877) · General Advice Only · Illustrative purposes only

Three paths · One formula

Which wealth stage are you?

The Modern Wealth Formula adapts to your life stage. Choose the path that fits your goals.

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Ages 25–45 · Growth Phase

🎯 Goal: Accelerate wealth accumulation

The “Boomer” property strategy doesn’t work anymore. Apply leverage to better assets — the S&P 500 — with defined downside and no mortgage.

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Ages 45–60 · Pre-Retirement

🎯 Goal: Income AND index-beating growth

You’ve built wealth — now make it work harder. Combine structural income with smart leverage so the final decade of contributions really counts.

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Ages 60+ · Retirement Phase

🎯 Goal: Protect capital, generate income

You can’t afford to go backwards. Separate income from growth so you never have to sell at the bottom to fund your lifestyle.

The numbers

Small differences in annual return create vast differences in outcome. Structure is the multiplier.

Compounding is King — 10% vs 16% p.a. over 15 years

After-tax outperformance — Modern 60/40 vs Direct Index ETF

Book a complimentary portfolio review and discover your personal wealth formula.