Building an investment portfolio is essential to help you accumulate wealth and create a secure and sustainable financial future. Our experienced financial adviser can help you identify your financial advice needs, set financial goals, give professional advice on asset classes in which you place your funds and strategies relevant to building portfolios. 


We are committed to ensuring that the advice we provide our clients is of the highest standard and is tailored to each client’s individual needs and circumstances.  We use different investment strategies, designed to address the needs of investors with different investment goals and with differing attitudes towards investment risk.


Important factors in investments

Financial Goal

Financial goal is important, since it provides direction and inspiration for you to keep on working towards them. It is recommended to set goals, review and update goals regularly to keep you motivated for the long term.


Investment Time Frame

Investment time frame varies depending on your age, financial goals etc., and is essential when choosing your investment option. Investment could be short, medium and long term. Short term investment is less than 5 years and generally focuses on preserving capital, while long term investment tends to focus on growing capital and maximizing returns.


Personal Situation

By understanding your personal information such as current commitments, cultural backgrounds, life stages, financial situation and any other special needs, we are able to tailor investment strategies and make product recommendations.


Risk Tolerance

Investing to achieve wealth creation involves risk, the higher the potential wealth the higher the risk. Risk is the chance that an investment will not give you the returns you hoped for or that you may even lose money. Almost all investments have risk, but some have more than others. Generally, investments that are expected to pay higher returns involve more risk.


Investment Strategy

  • Regular investment plan. Setting up a regular savings plan and averaging into the market is a flexible way for you to gain gradual exposure to the investment market over the time. Therefore it reduces the level of risk of buying an investment all at once and having a short term negative effect. There is no lump sum upfront required to enter the market.

  • Borrow and invest. Borrowing to invest increase the amount of money you can invest which potentially will accelerate your wealth building capability. Interest on the loan is tax deductible. However investor should be aware that the underlying investments for the loan may not perform as well as expected leaving a shortfall between the returns and repayments.

  • Invest through a tax-effective vehicle. Discretionary trust (e.g. a Family Trust) is a good example. When you set up a discretional trust, all assets are owned and controlled by the Trustee on the beneficiaries’ behalf. This provides you opportunity to distribute income to low income earning family members in a tax effective manner.

  • Investment portfolio

  • Asset classes. This includes Cash or Cash equivalent products, Fixed Interest, Property and Equities in both Australian and Global.

  • Diversification. By spreading investments across different investment assets and asset groups, the return is not dependent totally on one investment or asset class. Diversification works because it is impossible for all investment assets in a portfolio to perform well or badly at the same time.

  • Independence. We are not associated with any bank or financial institution and being independent allows us to recommend a wide variety of products and provide our clients up to date information on fund managers and investment strategies



Regular Reviews

Investment should be monitored and reviewed regularly since your personal needs, financial situation and the macroeconomic environment may change, and it is important to keep a closer eye on your investment and make sure to keep up with any changes.