Investment Advice
Investment advice isn’t just for the wealthy elite; anyone can benefit from professional, informed advice.
If you are just getting started financially, we can show you how to start a savings plan and how easy it can be to start your own investment portfolio.
As you grow your investments and your circumstances change, we can show you how to expand your plan to have a more sophisticated edge that targets specific goals and discuss protecting your wealth.
Investment knowledge can help you meet your financial goals at any life stage to give 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 you with a simple way to diversify your money across a variety of assets such as property, domestic and international shares and cash.
Managed funds offer a variety of approaches, from broad-based funds that give a mix of asset classes to more specific funds that can target geographic regions, single asset classes or particular industry sectors.
Our comprehensive research can help you select the funds that best complement your risk profile and your goals.
Term Deposits
Term Deposits are a useful 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 like the immediacy of seeing their investments perform day to day. Others are uncomfortable 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 is a key aspect of a sound long-term portfolio, which can help you reduce investment risks and capture positive market movements.
Dollar-Cost Averaging Strategies
We can show you how to implement a further level of diversification through dollar-cost averaging. Put simply, this involves drip-feeding a set amount into your investments on a regular basis to help mitigate the impact of natural market fluctuations. This strategy works on the principle that you will ‘average out’ your buy-in price if you maintain a steady pattern of deposits.
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