Investment Advice Philosophy
1. Mission Statement: "Protect and Grow with Consistency"
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2. Philosophy:
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Superior long-term performance can be achieved by appropriate portfolio design that looks to the following components:
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a. Asset allocation with a diversification of assets is the greatest driver for success as it is impossible to pick
b. Regular rebalancing of portfolio ensures appropriate asset ratios are maintained in the long term
c. Net of taxation is the only measure of true performance
d. Utilise a "Core & Satellite" approach in each portfolio to spread investments and reduce costs
e. Core & Satellite works well as financial markets are not price efficient
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3. Goals & Execution:
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a. Provide a clear and appropriate investment philosophy to our clients
b. Use a set asset allocation, use a broad array of diversified funds
c. Looking to cost as well as capital preservation as primary concerns
d. Maintain a long-term discipline
e. Always aware of the taxation implications in portfolio design
f. Annual review each year to reassess effectiveness
g. Ensure portfolios always reflect Licensee requirements
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4. Portfolios:
The composition of each portfolio will consist of core and satellite investments.​​
Investment markets can move significantly in unpredictable ways and experience tells us that selecting managers that consistently outperform the market is a challenge.
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The core and satellite approach to portfolio construction uses index funds as the stable "core" of the portfolio, with carefully selected lowly correlated active investments as the "satellites".​​
The key benefits
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Cost advantages: Lower management and transaction costs
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Diversification: A broader spread of securities which means less exposure to the performance fluctuations of single investments
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Ease of management: Indexing provides consistent performance resulting in greater stability of your portfolio, making on-going portfolio management much easier
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Tax efficiencies: Index fund managers typically turn their portfolios over less often than active managers
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Risk Control: Consistent returns means a low level of volatility
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Key Person: Reduced risk on the reliance on key investment manager expertise
5. Strong Foundation for Advice:
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We focus on you - that is our number one priority. We take time to understand you, your goals, circumstances and how we can turn your concerns into feelings of confidence and get your sorted both in the short term, and your long-term priorities.
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Our values - transparency, consistency, quality & integrity. These attributes are in our DNA and are how we make decisions and act every single day.
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Expertise & Experience - with over 20 years in experience and helping our clients work towards and achieve their personal wealth and life goals.
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Market leading technology - to take your personal needs and circumstances and develop a customer financial plan, we utilise market leading technology to map different scenarios, modify inputs and evaluate different options - all to provide you with a simple set of actions to take to help you build your financial security.
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Research, due dilligence & monitoring of the best solutions - We want to deliver to you the best options available. We continually review the market for the best investment, platform, insurance, and client service solutions to ensure that we give you the best possible experience on your journey to financial confidence.
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Licensed through ASIC (Australian Securities and Investments Commission) and licensee - we are licensed through ASIC as a licensed Financial Adviser. This means there are strict obligations and requirements that we are happy to comply with to give our clients confidence that their best interest are looked after.
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Robust compliance framework - in addition to being licensed through the corporate regulator, we also ensure robust compliance framework is designed and implemented in our business - delivering a consistent, high quality, reputable advice process.