Wealth Creation & Protection Strategies

Setting up an investment strategy

To achieve your short and long term goals, you may need to adopt an investment strategy with higher levels of volatility than you are comfortable with. But it would not be appropriate if it causes you to worry so much that you cannot sleep at night. This may result in a panic sale of assets at exactly the wrong time. You could consider:

  • Investing in a lower risk investment strategy. This will reduce the levels of volatility and risk in your portfolio however; it may not be possible to achieve the returns you need to meet all of your goals.


  • Investing in a product with some type of capital or income guarantee. This will provide your future with more certainty however; you need to weigh up the costs of these products with the benefits they provide.

Let us guide you when making such important decisions when setting up your investment strategy.

Understand your attitude towards risk and return

It is important to separate risk from volatility because they are quite different. When we talk about risk, we mean the chance you will lose money permanently or not achieve your financial goals. Volatility means the value of the investment changes more sharply and more frequently.

The key is to not put yourself in a position where you sell your investments at the wrong time (when their value is low). You will generally lose money when you don’t let your investments run their course or when you can no longer tolerate the degree of volatility and sell your investment in a panic.

  • It is important to have less volatile investment returns when you only have a short timeframe to invest.
  • Hold volatile investments over the longer term to increase the chance of achieving higher returns on your money.

Let us guide you in understanding your attitude towards risk and what level of risk you are comfortable with for you to achieve your desired returns.

Budgeting to create wealth

A budget allows you to see how much money is coming in and going out. It helps you ensure there is enough money to cover your expenses and is an effective way to make sure you are not spending more than you can afford. A budget can help you work out how much of your income you can put towards saving for your future, without impacting your everyday needs. A budget simply allows you to manage your money in a more controlled and effective way and to understand where you are spending your money.


We ask Australians about their budgeting habits

Five Simple Steps to Help superannuation grow

Protecting Your Wealth

You’ve worked hard to have what you have so now you need to protect it. Insurance is a form of protection, a way to protect yourself, your family and the things you own should something go wrong. It enables you to replace or repair you assets, whether those assets are your belongings or your capacity to earn income.

Everybody’s circumstances are different, but insurance is important for everybody. Your need for insurance will change as you move through the different stages of your life. There are many different types of insurance, and we can help you find the right level of protection for your needs.


Do you have insurance through superannuation?

Insurance basics – Personal insurance made simple

Income Protection Insurance – Protecting your biggest assets

Death and Total & Permanent Disability