Investment Advice

Investment advice isn’t just for the wealthy elite; anyone can benefit from professional, informed advice.  If you're just getting started financially, we can show you how to establish a savings plan and how easy it can be to start your investment portfolio.

As you grow your investments and your circumstances change, we can help you expand your plan to achieve a more sophisticated edge that targets specific goals and discuss strategies for protecting your wealth.

Investment knowledge can help you meet your financial goals at any life stage, giving you the advantage to reach your goals sooner and more securely.

Here are some of the key strategies and products we can help you with.

Managed Funds

Managed Funds can be a powerful investment vehicle for building a portfolio because they allow you to pool funds with other investors so that you can access a broader set of investment opportunities. They provide a simple way to diversify your money across various assets, including property, domestic and international shares, and cash.

Managed funds offer a variety of approaches, ranging from broad-based funds that provide a mix of asset classes to more specific funds that target geographic regions, single asset classes, or particular industry sectors.  Our comprehensive research can help you select the funds that best align with your risk profile and goals.

Term Deposits

Term Deposits are a valuable tool for providing a relatively low-risk component in your portfolio or for delivering a predictable return for a specific period. Term deposits give you the certainty of a declared rate of interest over a fixed period. They usually offer a higher interest rate than everyday savings accounts and can be set up for short or medium terms.

Direct Shares

To give you a higher level of personal control in your portfolio, we can facilitate the investment in Direct Shares (also called Equities) through a Managed Account. This gives you a more ‘hands-on’ aspect of your portfolio and can be mixed with other forms of managed investment to create a portfolio balance that is uniquely yours.

Some investors appreciate the immediacy of seeing their investments perform day-to-day. Others are uncomfortable with being exposed to the ebb and flow of fluctuating markets; however, direct share investments can play an important part in a diversified strategy.

In some cases, shares can give you access to tax benefits through franking credits, and there may be capital gains tax benefits if shares are held for more than 12 months.

Diversification Strategies

Diversification stands as a cornerstone principle of sound investment strategy, serving as both a protective shield against market volatility and a strategic tool for capturing growth opportunities across multiple asset classes. A well-diversified long-term portfolio spreads investment risk across various sectors, geographic regions, asset types, and investment vehicles, ensuring that poor performance in one area doesn't derail your entire financial strategy. This approach involves allocating investments across various asset classes, including equities, fixed-income securities, property, commodities, and alternative investments, each responding differently to economic cycles and market conditions. Geographic and sector diversification further enhances portfolio resilience by spreading investments across global markets and industries, reducing exposure to any single country's economic challenges or sector-specific downturns while capitalising on growth opportunities worldwide.

The strategic value of diversification lies not just in risk mitigation but in its ability to optimise returns through balanced exposure to various growth engines. While some investments may underperform during certain market cycles, others may excel, creating a more stable and predictable growth trajectory for your long-term wealth-building objectives. Time diversification through dollar-cost averaging and systematic investment plans helps smooth out market timing risks, allowing you to purchase more units when prices are low and fewer when prices are high. Effective diversification requires regular portfolio rebalancing to maintain desired asset allocations as market movements and life circumstances evolve, ensuring your investment strategy remains aligned with your risk tolerance, time horizon, and financial goals while positioning you to weather market uncertainties and participate in positive market movements across multiple investment opportunities.

Dollar-Cost Averaging Strategies

We can show you how to implement a further level of diversification through dollar-cost averaging, a time-tested strategy that adds temporal diversification to your investment approach. Put simply, this involves drip-feeding a set amount into your investments regularly—whether monthly, quarterly, or at another consistent interval—to help mitigate the impact of natural market fluctuations. This systematic approach works on the principle that you will 'average out' your buy-in price if you maintain a steady pattern of deposits, purchasing more units when markets are down and fewer units when markets are high.

This strategy proves particularly effective during volatile market periods, transforming market downturns from sources of anxiety into opportunities to acquire more investment units at lower prices. Over time, this disciplined approach typically results in a lower average cost per unit compared to lump-sum investing, while providing psychological benefits by reducing stress associated with market timing decisions. By automating your investment contributions, you develop consistent saving habits while taking advantage of compound growth, making this method exceptionally well-suited for long-term goals such as retirement planning.

Borrowing to Invest 

For those with investment assets built up, we can help you design a borrowing strategy that uses your equity to enable you to borrow to increase your investments.   While this strategy naturally involves a higher degree of risk, it can be an effective way to accelerate your investment potential.

To speak to our team about your Investment needs, click here