Portfolio Management

We have developed a range of portfolios based on diversified investments in low-cost index funds. These types of investment portfolios are based on our investment philosophy and generally appeal to risk-averse investors.

The benefit of our program is that there is not the huge sacrifice in returns usually associated with this type of investment portfolio approach. We are also able to accomodate more aggressive investors with our higher end portfolios, which are more aggressive in nature. Alternatively, for aggressive investors that are willing and able to do so, a gearing program utilising our portfolios is also an option.

Our goal is to be fully invested in equities at all times within our balanced portfolios. To achieve this goal the asset class funds used to create our balanced portfolios are governed by screening criteria that limits the funds themselves to publicly-traded companies which meet the size and value criteria of the applicable portfolio. Our portfolios invest in:

• Australian small, large and value companies
• Global small, large and value companies
• Australian real estate
• Global real estate
• Emerging markets
• Australian and global short-term fixed interest

What is the typical client?

• risk averse - looking for consistency and low volatility
• desire a methodology with substance over sex appeal
• clients that do not want to DIY or have limited investment experience
• do not want comprehensive lifestyle planning

As stated above, the service is not suited to clients wanting full, comprehensive planning. It is designed for clients that just want their money managed. This service only addresses the following:

• What amount of money will you need in retirement?
• How much do you have now and what will it be worth at retirement?
• What level of risk are you comfortable with and best suited to?
• What asset allocation suits both your risk tolerance and income needs?
• What course of action should be taken in negatively volatile periods?

Individuals that are seeking a service that takes their whole financial circumstances into account should combine the Portfolio Management Service with our Full Financial Planning Service.