Key Considerations

• It is a misconception that only ‘rich’ people deserve to invest or are capable of investing successfully and nothing can be further from the truth.  Some of the most successful investors of all times started with very small amounts and built their fortune by applying the various fundamentals of investing which are available for to anyone to learn, practice and master.
• Like most things in life, investing successfully can be learnt and we empower our clients with the basic and fundamental yet very effective tools and knowledge to start  their investment journey. The key is to start small and build on it, but one must make a start. 
• It is safe to assume that reliance on government benefits such as Age Pension, for which going forward one will to have wait longer (due to an increased age for pension)  is likely to deliver only a below modest retirement lifestyle. Most people do not realise that they are running out of time to start planning their wealth accumulation journey for retirement. The later you start, the smaller your ‘nest egg’ for retirement is likely to be.
• Setting financial goals can be the difference between a comfortable lifestyle or being stretched financially in every which way. A simple step of then making up your mind to achieve  your financial goal can deliver unprecedented rewards.
• A lack of information and knowledge about the investment principles keeps majority of people away from taking an advantage of the opportunities available to anyone to set themselves up for life. 
• Most people are comfortable doing their thing and don’t plan ahead. Soon enough, the economic forces such as inflation erodes the value of their capital and keeping money in a bank account or a term deposit whilst seemingly a safe option, may not always be appropriate or so safe after all.
• What stage of life one is in will determine what sort of investment goals and decisions they need to make e.g. a retiree’s investment goals might be to preserve their capital and not take unnecessary risks whereas a person in their 40’s may like to take advantage of the principle capital growth and grow their assets as they have a longer time frame for their investment.

We can help to:

• Educate you on the  various investment options and strategies. We help our clients to take advantage of the different asset classes available to them, also known as ‘diversification’. Cash and term deposits are only a small part of the picture. They mainly only provide the income aspect of the investment return in the form of interest income.  There are other useful and significant asset classes which deliver a powerful outcome by combining the other vital component of investment returns, the mighty ‘capital growth’.  As they say income will make you a living but capital growth can make you a fortune and thus depending on your needs and circumstances there can be a place for both income and capital growth in  your portfolio. 
• We conduct a comprehensive risk profile assessment in line with your investment objectives, your investment time frame and your attitude to investment risk and structure an investment portfolio that is personalised for you and that you are comfortable with. 
• We put in place a review plan to ensure that the investment “seed” that you have planted is growing well and is receiving the appropriate care and attention to help it grow into a  tree that will bear the worthwhile fruits of your labour.