Workers have more wealth than bosses!

Some SME owners have found that after working their business for many years it is their employees who could now enjoy a superior financial postion.

By using a sensible investment strategy a long term employee can use his steady cashflow (ie his wage!) together with leveraging his real estate equity to build a comfortable retirement nest egg.

By contrast, an SME owner usually has irregular, and sometimes insufficent cashflow and in any case often must use his personal real estate equity to support vital bank borrowings for the business. Consequently the business owner can spend a large part of his entrepreneurial career propping up business finance instead of undertaking genuine personal wealth creation activities. 

The only retirement fallback positon for the SME owner is often to sell his business for a large goodwill premium - a flawed strategy which often ends in much disappointment.

Business owners need to refocus on their real purpose for owning a business and ensure that effective finance products are used which enhance the opportunity to build private wealth.