Young investors have a valuable advantage on their side - time. The earlier you start investing, the more compounding returns work their magic to build long term wealth.Read more
Better choices for a better life
We answer your commonly asked financial questions in Money Chat, our new series of easy to understand one minute videos.
Learn about everything from property investment to Self Managed Super Funds.
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Good advice can be a great investment when it comes to building a portfolio of
assets tailored to your needs.
With a vast range of investments to choose from it’s essential to select those assets that will help you achieve personal goals. So, a sensible starting point is thinking about your needs and aspirations. Remember to divide your goals across short, medium and long term aspirations - different investments are better suited to particular timeframes.
High returns go hand in hand with greater risk, and having an understanding of the level of volatility you’re comfortable with should be a key factor in your choice of investments.
A quality portfolio will hold a mix of investments spread across cash, shares and property, both here and overseas.. Diversifying this way creates the potential to earn healthy returns without being over-exposed to a downturn in any one type of investment.
You can further diversify across ‘growth assets’ like shares, which provide long term capital growth, and ‘income assets’ such as term deposits or fixed interest, that deliver regular income. The trick is to find the appropriate balance between the two, depending on your individual needs, and this is where your adviser can help.
The way your portfolio is diversified across growth and income investments is referred to as ‘asset allocation’, and it won’t be the same for any two investors. Your portfolio should be as individual as you are, reflecting your tolerance for risk, the investment timeframe and what you hope to achieve by investing. It is also important to keep in touch with your adviser to ensure your portfolio is reviewed over time as your needs change.
Getting the most from your money means investing in such a way that your needs are met without keeping you awake at night worrying about risk. Rather than leaving it all to chance, professional investment advice can help you avoid costly mistakes.
Your initial meeting is on us, with no obligation.
We want to understand what you are thinking/planning.
- Setting investment goals
- Assess and develop a diversified strategy
- Present the advice (called a Statement of Advice)
Once you approve and agree we put your plan into action.
We keep in touch to ensure that as your goals and objectives change your investments are still appropriate.
This requires monitoring your investments to keep you on track to fulfilling your goals.