"Is it too late to start investing?" - CJ Investiment Academy

“Is it too late to start investing?”

“Is it too late to start investing?” is one of the most frequent concerns I get, especially from women in their late 40s or early 50s. My response to it is absolutely not. Here’s why.

In a story I read, a woman, after her ex-husband said she wouldn’t be able to support herself on her own, donated all of the money from her divorce and her personal and company bank accounts to charity in her early thirties—a decision she immediately regretted. She had to relocate into an apartment with four roommates in a moldy basement bedroom after accruing five figures in debt. Thanks to the tactics she put in place for me, she is now a multimillionaire and has achieved financial freedom.

Change your perspective on money.
In society, there’s a belief that everything ends when you reach a particular age. We observe it in the job, the media, and how we’re supposed to look as we get older. When it comes to women, this can be made worse by gendered ageism, which isn’t present among men. Therefore, it should come as no surprise that this influences our perception of our financial potential.

For a lady who is 45 years old, she may have another 40 to 45 years to go. It’s even more crucial to start investing or setting priorities because it’s likely that you don’t have adequate superannuation or investments due to wage and super gaps. The first step is to put on your own financial oxygen mask, understand that it’s not selfish, and know that you still have time—you just need to start.

Begin with a reasonable sum.
If you’re worried that you won’t have enough money to invest, you should understand that acquiring additional funds is a skill. Many of the ladies in my community are in their 40s and 50s and are making their first investments. Even after leaving paid jobs, many have “found” more money to invest in things like pet sitting, cash rewards websites, closet rentals, and online skill sales.

With features like round-ups and low or no minimum investment levels, many investment platforms today make it simpler than ever to start small and grow over time.

Round-ups
To achieve your goals more quickly, make every dollar matter by allocating more dollars and cents from your everyday expenses.

Look at round-ups

Think about your objectives, not your age.
As we live longer and have more options for how we live, the idea of “age-based” investing is becoming less relevant. For example, while conventional wisdom suggests that at my age, I should slow down, increase my liquidity, and maintain a more balanced portfolio, the reality is quite different. Elleen, my coworker, is in her late thirties, intentionally childless, and intends to retire within the next five years. Her investment strategy differs greatly from that of a colleague who may have children enrolled in private schools and only one working parent.

It all comes down to knowing your objectives and what you want, then adjusting your budget accordingly. Having liquidity is crucial for when “life happens,” regardless of age. It’s even more crucial to have quick access to more funds as you get closer to retirement so you don’t have to take money out of your investments.

Be ready for an unpredictable future.
Over the next 20 years, it is anticipated that Australians will pass $3.5 trillion in wealth from one generation to the next. People are already anticipating that transfer and requesting it sooner (often before they have a strategy or financial literacy of their own). In other cases, I have witnessed substantial amounts of money remain in high-interest bank accounts due to people’s inability to make financial decisions and their desire to avoid wasting their inheritance—which is effectively what they are doing by not using it. I am among those who will not receive any inheritance at all.

Since nobody can predict the future, the cost of living, or retirement options, it is crucial to invest and organize your finances so that any additional income you receive, such as an inheritance, becomes a bonus rather than the main course.

Concluding
Making choices is the goal of investing. The idea that putting in more and more effort will make you wealthy is a lie. Or that you will have choices if you pay off a house as quickly as possible. However, having a home won’t bring in money unless you’re prepared to downsize or move.

Making the most of your money and having more options in life will depend on financial education and developing the self-assurance to make wise choices, whether you’re inheriting or creating your own legacy. It’s never too late to start that road.

Visit C J Invetiments to find out more about easy investing.

Alright, the legal part comes next.
Risk is a part of investing. Making money is not a given, and you could end up losing your initial investment. We don’t offer tailored counsel or suggestions. All of the information we offer is current as of the writing date and is simply generic. When deciding if an investment is suitable for your goals, financial status, or requirements, you should think about getting independent legal, financial, tax, or other counsel.

Testimonials

I have known Charles Vincent Kauwasha for many long years now since we first met in Accident and Emergency department of Hutt Hospital Lower Hutt New Zealand, where he was an emergency nurse. I had a problem with my heart and very quickly learnt to trust him with my life! we got talking about our businesses and exchanged contact details. Charles has been a loyal friend and business contact here and on whatsapp etc ever since that time, even after he moved from New Zealand to Australia. Charles is a very honest, loyal and trustworthy person, both in business and as a friend. I highly recommend Charles as a safe person to know and do business with.

Gabrielle Jane Gibson Artist

Charles has provided me with many – free but easy to use marketing tools. If you are new to affiliate marketing – Charles is the best person to go to

Ivana Bosnjak

With his humble beginnings overseas, Charles would be a perfect mentor for someone feeling trapped with not much to look forward to in future. Listen to his story and be amazed and inspired… starting with nothing to where he is! He will teach you about the power of perseverance. Well done Charles

Lucius Chongo

A unique and profound CEO I have seen in our times, I have seen the calibre in Charles. Charles has a performing influence drive from his desires to do work in an extraordinary way. Charles is adeliver, you will not regret working on projects with him

ChisangaKelvin Chisanga

I Studied with Vincent Kaluwasha during this programme. A highly skilled and knowledgeable individual. Passionate about Occupational Health and would suitably work in the is capacity anywhere in the world”.
JACOB JOSEPH SAKALA-NURSE CONSULTANT

LOCUMS / RECRUITMENT

Charles is a man with a great deal of integrity and takes pride in his work

Michelle Jayes

I’ve known Charles for many years and every encounter has been a happy one….he has a wonderful attitude towards life. He is a man of integrity

Trevor Gordon

C J Investiment helped me to secure my first investment with couple of weeks. I will recommend their services to anyone looking for best investment in any city or country

Henry Smith

I have seen how Charles has evolved from nothing to setting up a real estate portfolio with determination -Jessica McDade He is a man of integrity and passion who leaves a stone unturned!

Jessica McDade

All the developers of D5 Creation have come from the disadvantaged part or group of the society. All have established themselves after a long and hard struggle in their life

D5 Creation Team

Thanks to you Charles, we can be there when the worst happens to give people the emergency medical care they need – and rapid transport to hospital. Your support means that CareFlight can fly at a few minutes’ notice, to some of the most inhospitable places in this country. It means patients like Simon can be reached quickly with hospital-level emergency care at the scene – and in cases like Simon’s every minute counts.
On behalf of everyone at CareFlight, thank you for your generosity – and have a wonderful holiday season. Thank you so much

Mick Frewen

Dear CVK, Awesome, a huge thank you for your prompt response!!! I feel blessed to know you.I love your inspiring video and I have learnt a lot from your nicely arranged presentation. I can’t remember the question I paused to you myself but it feels like whatever it was I asked you has been effectively dealt with in your powerful video. By the way, I strongly feel you can make a good mentor of mine considering the massive education and experience you have acquired through the years. Let me know if you can do this for me because I firmly believe there is a purpose why God brings certain people into our lives which is to help us achieve our fullest potential and arrive at our God-given destiny. Remain blessed forevermore in Jesus mighty name, Amena!!! By the way, many thanks for your quick encouraging feedback and for the free book offer on how to attract people to my biz.Will study the book ASAP and I should be able to implement what I will learn and will see where that will take me. I am looking forward to a rewarding interaction between the two of us. Once again, thank you for your non-wavering support and encouragement you have rendered to me over the years. I thought you had given up on me and forgotten about me since I appeared to be wasting your time. I am still interested in salvaging my life and do something new and big because I am tired and sick of living a mediocre kind of life. Please help me if you can by God’s grace. Have a blessed day my Brotherman

Edward Besa

Charles, right now, a lot of people in this country are saying, “Thank you.”Thank you for being there when they needed help most. Thank you for taking charge when their world was turning upside down. Thank you for giving them confidence, when they were afraid and needed life-saving help. As a CareFlight Support Crew Member, you are making such a difference for so many people. Your regular donations help save lives and keep families together. Patients like Thomas, who told us, “You made it possible for me to survive.”And Agnes, who said, “I’m very grateful a service like CareFlight exists.”Below are some more messages of thanks: Thanks from the patients you help. As we head into another year, we know there will be even more people who will call on our services. So, I’d like to add my heartfelt thanks to those of our patients, for your steadfast support. Together we are ensuring CareFlight is always there for people when they call for our help. Whether it’s intubating a patient at the scene of an accident, or ensuring a newborn is safe on a flight from a remote area to a major hospital for treatment, our patients cannot speak highly enough of the care they receive. Charles, that care is part of a chain that starts with people like you. These expressions of gratitude, from all over the country and from all walks of life, show you how much your support is valued – and how much it is needed, more than ever. We can’t do what we do without you.

Kind regards-Mick Frewen

Dear Charles
If this year has taught us anything so far, it’s that none of us ever truly know what is around the corner.
That’s why I can’t thank you enough for your support that ensures we can continue to provide life-saving aeromedical care to Australians most in need.
Our CareFlight crews are in a unique position to understand what Australians have been going through. Every day, we care for people who have found their world shaken by a sudden accident or illness – coping with circumstances almost none expected to face when they woke up that morning.
People like Simon Bowman don’t like to rely on others for help. But one day, as he lay trapped inside his car after a terrible road accident, with suspected injuries to his spine and shoulder and a possible head trauma, Simon needed life-saving help desperately. CareFlight was there in a matter of minutes.
CareFlight’s rapid response helicopter service is so vital in situations like this. Our crew can be airborne in minutes and by the side of our patient, delivering hospital-level emergency care as fast as possible.
Simon doesn’t remember much about his accident, but he does recall the voices of the CareFlight crew as they worked urgently to treat his injuries. Simon told us: “I knew there was someone looking after me and that I was in good hands.”
Our mission is to deliver people the very best care. We’ve spearheaded international aeromedical innovations such as our stretcher bridge system and become the first civilian service to carry blood plasma to the scene of an accident.
The care, the state-of-the-art equipment, those voices which reassure patients that they are in the hands of skilled professionals they can trust – it’s all thanks to people like you.
Simon has recovered and recently visited our base to meet some of the crew. He has never forgotten the help he received from CareFlight, so meeting them again was an emotional experience.
Seeing the helicopter that transported him to hospital, he was amazed at its size. He confessed he’d never been that keen on helicopters, “but I was very keen that one was there that day.”
Your support for CareFlight is helping to save so many lives, like Simon’s.
Thank you so much.

Mick Frewen

HAPPY BIRTHDAY, CEO!! peacemaker, Shepherd, wise, intelligent, focused, hardworking, caring, loving, forgiving, Husband, Granddad and most importantly best Father Charles V. Kaluwasha. We’ve been truly blessed to have you as our mentor and protector. We thank God for keeping you alive and healthy. Today we celebrate your 60th, a blessed milestone! Next, we count down to your 100th BIRTHDAY. WE LOVE YOU and pray we have you as our father in the next life- @Kendy Kaluwasha

Kendy Kaluwasha

Charles is a very intelligent individual and is very knowledgeable in regards to the Australian Real Estate market. We continue to work a long side each other and we will be for a very long time. He is a much needed asset to my business and growth of my business in the future.

Eren Kutup

Charles, is very knowledgeable about real estate and great person to connect with. He teaches what he has done himself.

Raju Datla

My great sponsor, you inspired me a lot, you are really God sent, to make life better for me, I will not hide it from you, that I really have a little bit of financial contains, because all what I was saving for my travel I left 60%of the money to take care of my two children, to buy a bag of rice and different foods stuff. so here in Monrovia I don’t want to sit idle I just want to start some clothing business, so I am pleading what everything you help me with for the sake of God Almighty, God will surely triple it in return. Thanks sir and God bless you the great man one day you will be the richest man in Zambia, God bless you. I pray that the money will grow more than ten billion dollars. Amen sir, thank you sir, one day you will be a leader in Zambia, by the Grace of God, that my vision for you sir.

Landlot Frazer

Thank you sir hope your work and business expand. Greatness is your portion on a daily basis. You inspire many to pursue their dream, so good to see you pave the way.

Miri Mulugeta-entrepreneur,New Zealand

You are just not any other resource mwanta, but a creative, proactive and as sharp as a double-edged sword. I love the way you have put together connected opportunities available in our programme and the turning of light by the blind buddy. This is awesome, This is incredible!! https://www.entredevec.com/

Steward Makanse

Hello. How was the day? Mine was fine, and I was reading the testimonies people are presenting about you. You are great, and I want to learn from you. I am really impressed with your work, experience and expertise. Continue helping us.

Prisca Chipundu

The book Launch speech On 25 November, my co-authors and I had to present our speeches. One week later, this is what people had to say… Mwebantu…who has @Charles Kaluwasha speech at the book launch 😄 It was POWERFUL-Cranston I tell you, that was captivating I don’t think people remembered to press record. For the book am reading ba @Charles Kaluwasha story and while reading am imagining it being told just like the speech 😀. -Cranston I hope someone captured it; maybe check the zoom recording as well. He was on fire 🔥 🔥🔥🔥🔥 It was fun to listen to. –Cranston Personally, I can confess…after technical difficulties and having to personally meet and speak to the VIPs I invited…it was VERY refreshing to sit in the audience and just take in what you had to say. It was so good 😄-Cranston Yeah, he was on fire…I thought he was going to make a book launch altar call 😄. There was so much energy, and time was not our best ally; otherwise, we were going to spend a night there.- Paster Kennedy Phiri The story is also good, so authentic and inspiring. If I was not yet abroad, that is the story I would like to read. The speech made me want to read it first, despite being the last reading 📖.-Theresa D’Amaden

African Language Academy Founders

Dear Charles,

As we enter the new year together, I wanted to take a moment to share with you, Charles, all the amazing achievements, breakthroughs, and stories in cancer research that you helped bring to life in 2022.

I am so grateful for your unwavering support as a Discovery Partner. It’s obvious to me you care deeply about accelerating cancer research and saving lives from this devastating disease.

That’s why I am so excited for you to read about some of the extraordinary research that your compassion, kindness and generosity have made possible over the last year.

“You’re making a difference to what we want to do as researchers and, more importantly, you’re making a real difference to patients. Thank you.”
– Associate Professor Ben Tran

Over the next few weeks, make sure to check your inbox for a collection of heartfelt stories from patients, their families, and our very own Peter Mac researchers on the monumental impact you’ve had on their lives. It is my hope that you’ll see just what a difference you make to the work and lives of all researchers and patients at Peter Mac.

In the meantime, I’d like to invite you to take a virtual tour of our cancer research labs at Peter Mac, and give you a behind-the-scenes look at the specialised technologies and resources that your generosity supports. Your gifts are so crucial to the discovery of new cancer cures and treatments.

I am amazed by the innovative work in cancer research happening every day here at Peter Mac. It is truly amazing – and it’s all thanks to the support of people like you.

Thank you for all you’ve done to help accelerate cutting-edge cancer research in 2022. I am excited to see what your support will bring to cancer research in 2023.

With my warmest regards,

Kate Torney OAM
Chief Executive Officer
Peter MacCallum Cancer Foundation

P.S. Thanks to people like you, our researchers can generate new discoveries that move us closer to a cancer-free future. I hope you’ll enjoy reading the stories that you helped make possible over the coming weeks.

How you saved lives in 2022

Hi Charles, I hope this message finds you well. I have been inspired by your achievements as the Founder & CEO of CJI, a Real Estate Investor & Developer, as well as your status as a #1 Amazon Bestselling author. Your entrepreneurial skills and dedication to delivering exceptional results for over 10 years are truly commendable. As a mortgage broker, I understand the importance of having a strong network of professionals to support and empower success. I wanted to reach out and offer my assistance as well as explore potential collaboration opportunities with you. Whether you need assistance with home loan refinancing, business loans, or any other financial solutions, our team is here to help. We specialize in tailoring our services to meet the unique needs of busy professionals like yourself. With our expertise, we can provide the support you need to fuel your real estate ventures and continue your entrepreneurial journey. Additionally, I wanted to highlight our referral program. We believe in the power of collaboration and building strong relationships within the industry. If you come across any individuals or clients who could benefit from our services, we would be more than happy to assist them. Likewise, we would be glad to refer clients to you whenever there is an opportunity to leverage your exceptional entrepreneurial skills, coaching, and mentorship. I would love to have a quick chat with you to discuss how we can collaborate and support each other’s success. Looking forward to the opportunity to collaborate with you, Charles, and empower each other’s entrepreneurial journeys. Jay Menon www.jjmfinancespecialists.com.au

Jay Menon, Principal and COO at JJM Finance Specialists

Congratulations partner on the 6th year anniversary of your hard work. Your ability to embrace open-mindedness, being passionate, having a sense of selflessness and fulfilment of life; with the greatest desire to impact others, are the greatest keys that have helped you to record such an amazing achievement.

Keep up the good work.

Sincerely yours,

Steward Makanse

C E O- EDC, Lusaka Zambia

Hi Charles,

I’m Dr Lavinia Spain, a cancer researcher at Peter Mac and recipient of a 2024 Discovery Partner Fellowship.

Discovery Partner Fellowships give clinical researchers like me funding and time to progress research projects focussed on improving cancer treatments.

I’m writing to you today to say thank you for your support as a Peter Mac Discovery Partner. It’s thanks to you that I have the time to pursue my research, to improve treatments for people with melanoma.

Melanoma is the third most common cancer in Australia, with one person diagnosed every 30 minutes. Fortunately, here at Peter Mac we are working towards more effective treatments and cures.

Right now, I’m studying several different ways to enhance the treatment of melanoma, including:

the potential role of a high-fibre diet in improving outcomes
side effects related to immunotherapies and how to better manage them
facilitating access to new treatments through clinical trials.

My work aims to improve upon the current treatment with immune checkpoint inhibitors (ICIs). I’m looking for practical ways to boost their benefits and prevent side effects.

ICIs are intravenous therapies that attach themselves to ‘stop’ signals on immune cells, blocking the message that tells those immune cells to shut down. They enable the immune system to be more invigorated to hopefully recognise and fight the cancer cells.

Melanoma is really the poster child for cancers that respond to ICIs. They have completely changed the game and we can induce long-lasting remissions.

We are curing many patients with these therapies, but there’s room for improvement. There are still a number of people who don’t benefit and side effects that can be very problematic.

I’m really grateful for your support. Without funding, we can’t explore new approaches or make progress.

I hope that the hard work ahead will show that we can find better ways to manage the side effects of these treatments, so we can prevent people needing prolonged time in hospital.

I want to give a big thank you for making these Fellowships possible.

Without funding, we can’t explore new approaches or make progress.

We have everything for you in store, from a variety of courses, real estate and personal growth, fitness and wellness products and many more Dismiss

info@cjinvestiment.com

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“Is it too late to start investing?”

“Is it too late to start investing?”