Investment
Our investments are totally based on your life cycle needs and future financial goals. We don’t recommend any investment without judging your actual requirements and with thorough understanding your risk appetite and behavior of handling investments.
We should make clear recommendations, outline the risks involved and communicate any possible strengths or weaknesses in your plan. Remember that we cannot predict the market or ensure investments are always favourable.
We should however, keep you updated with any changes that could influence your investments, such as market slumps. While short term time frames in regards to growth investment are a high risk, investing over a longer period of time means you can wait out the lows of the market.
Once your goals are decided, we will put a financial plan in place.
Young to mid-life
You are establishing and building your career and perhaps starting a family. You may be looking at:
- Buying your first home
- Travelling
- Paying off your DEBT
- Getting Married
- Having Children
- Family Healthcare
- Business Planning
Mid-life
This is your consolidation stage – achieving a comfortable lifestyle and thinking about managing your long-term future. You’re likely to focus on:
- Protecting your lifestyle
- Healthcare
- Investments
- Financing Home renovations
- Tax Management
- Debt Management
- Inheritance
- Retirement Planning
- Long-term Care Planning
- Income Protection
Pre-retirement
With 20 or more years of retirement ahead of you, your priorities will depend on how well you’ve prepared. Your main concerns may be:
- Protecting your assets
- Debt Elimination
- Family Healthcare
- Helping your children
- Having Children
- Retirement planning
- Wills and trusts
- Business exit strategy
Retirement
This is the time to indulge in hobbies or travel, enjoy your family and prepare for transferring your wealth. You may be thinking of:
- Protecting your assets
- Healthcare
- Aged Care Planning
- Travelling
- Buying a caravan
- Inheritance tax mitigation
- Gifting to family
- Retirement Planning
- Preserving your capital
- Estate planning