Your investment choices..
There are a number of investment asset classes you may already be considering or invested in, all with advantages and disadvantages.
Cash & Bonds
Low Volatility
Greater certainty make Cash and Bonds a great portfolio hedge against riskier assets.
This reduced risk comes at a price, meaning investors shouldn't expect a substantial return from these assets.
Property
Medium Volatility
Great income and moderate capital gain potential make property an appealing asset class.
Liquidity, diversification and minimum capital requirements can be an issue for smaller investors.
Shares
High Volatility
With the highest historical total return potential and often large dividends, shares are a very appealing investment.
Due to the liquidity, volatility is generally far higher than other assets classes making asset allocation a key focus.
Our solution simplifies and combines all three resulting in greater diversification and liquidity to your investments.
Asset Allocation
Why asset allocation is important
We find that most of the clients that come to us have a portfolio of 10 – 20 stocks and potentially an investment property in their SMSF which means the investor is gambling on the success of property prices in one suburb and handful of Australian companies. They often lack a risk management strategy and are heavily exposed to specific sectors with little to no diversification.
Our difference
We draw on Modern Portfolio Theory to offer our clients maximum diversification and appropriate weightings across Domestic and International Markets, Listed Property, Cash and Bonds.
Portfolio Volatility
Choose Your Management Style
Management
- Passive management refers to investing in indices (like the ASX 200) which represent each asset class. We utilise Exchange Traded Funds as they are simple, low cost, and extremely diversified.
Management
- Active management means investment selection is decided by you and your adviser. Active management has potential for out-performance through careful investment selection, but increases concentration risk as transaction costs inhibit diversification.
Management
- Some investors may prefer a blend of both approaches, allocating some of their wealth to the security and simplicity of a Passively Managed approach, and take an Active approach to individual stocks they believe in.
Where could your new portfolio take you?
Use our calculator below to estimate if you are on track to achieve your retirement goals. If you have any questions or would like to discuss your results, contact an adviser any time.
Your time to retirement will determine how much volatility you are able to tolerate and therefore your potential returns.
This is a model not a prediction. Results are only estimates, the actual amounts may be higher or lower. We cannot predict things that will affect your decision such as movements in investment markets. This calculator is not intended to be your sole source of information when making a financial decision. You should consider whether you should get advice from a licensed financial adviser.
Enhancement Strategies
The perfect mix of diversified assets can only go so far to achieving your investment goals. If you're not on track, or you would like to customise the risk, return, or income, our portfolio enhancement strategies potentially add substantial value.
The initial advice process
Getting started
The first step is finding an adviser you click with and feel understands what you are trying to achieve. Our advisers are available any time to discuss your situation free of charge.
Speak To An AdviserYou're in control
Our advisers understand that different clients desire different levels of involvement in their investments. We are not here to take any control away from you, simply to find ways to improve your strategy.
Free initial consultation
We are always happy to discuss your situation to see if there is anywhere we can add value. Introductory discussions with an adviser is free and comes with no obligations.