Investment Advice

We’ll understand your goals first – Whether you’re wanting to build wealth for retirement, better invest your Superannuation, sell your business and invest for income, and ensure your family is set up for the future. 

You want your money to be working hard for you and you want to ensure you’re making the most of the financial opportunities that are out there. 

Our investment advice will be devised with your goals firstly in mind and our investment portfolio will be constructed to suit your objectives, resources, your attitude to risk, your investment time frame, tax status and lifestyle. 

You may likely be wondering if your current investments are good enough- how is the performance, are they tax effective, are they top performers, are you taking on unnecessary risk… ?

With our recommendations, we’ll ensure you get the best set up for your needs and current situation. 

Investments

We have a wide range of investments available to recommend, where suitable and beneficial for our clients. We don’t overcomplicate things and prefer to focus on results. 

Here are some of the options we consider for clients (these are all available through Superannuation also):

Managed funds. Cost-effective exposure to a diverse range of assets through professionally managed funds, including wholesale funds otherwise unavailable to individual investors. 

Specialist investments: To give your portfolio a boost we often look at specialist investments that may include new opportunities in emerging economies, or smaller market capitalisation investments.  

Property. Residential and commercial property investments, including property held through a self-managed super fund (SMSF). Whilst Financial Planners cannot legally recommend specific properties, we can consider the overall impact of you holding property and how this fits with your overall financial plan.

Exchange-traded funds (ETFs) . Combining the flexibility and liquidity of shares with the diversification benefits of managed funds, exchange-traded funds (ETFs) are an increasingly popular investment option.

Capital-protected investments. These are for those who would like to benefit from capital growth of the market, but also have their capital protected against large falls in the market. We have access to investments that have the security of built in capital protection. 

Annuities: For situations where security and stability of your income is a priority, over growth. We can determine if annuities are suitable for your situation.

Tax effective investments. Specialised investments structured to generate income or capital gains over a specified time-frame, which have extra tax benefits. These can be suitable for high income earners.

Geared investments: For those with a long investment time frame, wanting high growth investments, geared investments allow you to access internal borrowings whilst reducing the risk to you personally of borrowing.

Separately Managed Accounts (SMA’s) that aim to provide individual investors with access to the benefits of portfolio diversification, professional management and administrative ease that are often only available to larger entities.

Cryptocurrency – Bitcoin, etc: Whilst it goes beyond our license to specifically recommend Crypto currency and coins, we can still assist in areas regarding this investment, such as: Strategies to minimise capital gains tax when you sell your Crypto currency, how to diversify your holdings with other investments, how it plays a role in your overall asset allocation. 

As part of our ongoing service, we will review your portfolio to make sure you’re on track to achieve your objectives. Together we’ll explore new opportunities, identify any emerging risks, and understand your evolving needs and your evolving preferences for your investments.