Learn how to correctly align all aspects of your investments with your lifestyle, goals, plans and requirements.
PLANNING FOR YOUR BEST FINANCIAL OUTCOME
1. Your family goals, aspirations and plans.
Isn’t this the starting point? Whatever your goals and aspirations may be, we believe that they should govern your financial and investment plans.
2. Your financial plan.
Your financial plan should reflect what you want to do in your life. This includes protecting your assets and income sources, reducing unnecessary tax and ensuring your estate eventually goes where you want it to go. We can review your financial plan to check that it meets your family goals and aspirations and carry out any action needed to optimise your financial plan.
3. Your investment objectives.
After we have gained a good understanding of your goals and aspirations and reviewed your financial plan we work with you to establish a set of investment objectives. One key figure that will come out of this process is your target rate of return i.e. “What rate of return do I need from my investment portfolio to allow me to enjoy life?”
4. Your investment strategy.
Your investment strategy is the allocation of your total assets between the major asset classes. Your investment strategy will account for over 80% of your investment returns and risk, so it is very important that you have the right strategy. Your investment strategy must also be in accord with your investment objectives.
5. Specific investments.
Once the right investment strategy has been selected we then recommend the best investments in each category. Some of these categories include:
- Direct Australian shares
- Managed Australian share funds
- Listed property and infrastructure funds
- Managed overseas share funds
- Exchange traded funds covering many types of Australian and overseas investments
- Listed property trusts (REITs)
- Direct property
- Managed fixed interest funds
- Listed hybrid securities
- Term deposits
- Cash funds