Fixed interest & cash
Cash, short-term deposits and bonds.
Every investor has different goals — the key to achieving them is finding the right balance.
To make the most of investing, you'll need to have an investments plan. You should build this plan around your life goals. For example, if you want to obtain a regular flow of income from your investments, you will take a very different approach from someone who wants a large lump sum of money at a certain point in the future. You must also factor in your attitude to risk (which should vary according to your stage of life).
Every investment strategy and investment portfolio is individually tailored to suit the specific and individual needs of our clients.
As independent financial adviser, we can help you create an investments plan by considering your investable assets, your current income and outgoings, and what you want to achieve in life.
An investment portfolio is the assets held by an investor. Our investment options are made up of different combinations of asset classes. Understanding their characteristics can help you make wise investment decisions when it comes to your super or pension.
Asset classes are broken into two categories — defensive and growth
No asset class is free from risk. Using the different characteristics of each asset class in a balanced portfolio can help to smooth fluctuations in performance and balance risk.
To reduce the risk of losing capital when investing, you should diversify your investment portfolio. This means not putting all your eggs in the one basket.
Diversification can be implemented in three distinct ways by investing:
As investment analyst, my goal has been to create a successful investment experience for our clients. As a result, we've been able to retain 95% of our clients. Steve Garcia, Investment Analyst, CFP®
Determine an appropriate spilt of growth and defensive assets after assessing the client's need for capital preservation, risk tolerance and capital draw downs — also known as the client's risk profile.
Consider the client's income requirement and tax situation then select the most appropriate asset class allocation and investment style within those asset classes.
Select investments using a "best of breed" professional money/fund manager approach.
Our risk profiles and splits between growth and defensive assets are:
We have found Annuity Strategic to be exactly what we have needed to manage our financial matters.
They have been extremely helpful, and very practical, in their advice on pensions, inheritance tax planning and investment strategies.
Just to say thank you for the time you obviously put into my strategies.
They listened to what I want to achieve for a retirement & have guided me towards a balanced investment plan.