Investments Advice
Understanding you as a person, your beliefs and values as well as your attitude to investment risk or your investment risk profile is a key pre-requisite of being able to design an appropriate investment portfolio for you.
Cash and fixed interest are income-producing assets whilst property and shares are primarily growth-producing assets. The income assets (bank bills, mortgages, government and top-rated company bonds, etc) are usually quite stable in value. They are included in a portfolio to produce steady levels of regular income. The level of income after tax is not expected to be substantially above inflation.
On the other hand, growth assets deliver long term growth in value which is expected to be well in excess of inflation over time. Whilst income assets are quite stable, growth assets can be volatile in value in the short term. This is a function of the manner in which the value of property and companies will change in the short term depending on the events of the day and the state of the economy and the business cycle.
Diversification
The widespread diversification of your portfolio virtually eliminates the risk of any particular holding. True diversification can be achieved with investing $10,000 or $1,000,000.
We advise on and manage for clients:
- Investment funds or trusts
- Directly held equities (shares)
- Directly held fixed interest (bonds and debentures)
- KiwiSaver products
- Superannuation Funds (including UK Pension transfers)
