How you own your investments will drive how much tax you pay – and this will have a material bearing on the long term net gain you stand to make.
It will also determine how well protected your assets are, and how easy they are to sell them if you choose to down the track.
Having your investments spread across different asset classes is an important way to spread risk, and to reduce the impact of the market falling in any particular sector.
It’s also vital to be aware of the costs associated with investing, as these too will cut into the return you earn.
We also believe that it’s crucial to structure your investments in a way you understand so you can sleep well, and also to avoid the complexity and associated costs often involved with complicated investments.
Finally, as a wealth management client of 5 Financial, we will rebalance your investment portfolio periodically to correct for changes in the relative weighting of different assets caused by movements in the market. We do this to restore your investment portfolio to an allocation that matches your attitude towards risk, cash-flow, net position and your goals and the timeframe in which you want to achieve them.
Underpinning all we do is a desire to help you gain financial clarity and peace of mind and we deliver this through effective strategic wealth management and personalised advice.
You may also be interested in reading our articles, ‘How your financial adviser can help you earn up to 3% p.a. more on your investments‘ or ‘ESG criteria: thinking more deeply about your investments‘ or any of the articles listed below.
We’d be pleased to discuss our approach with you and to support you in all of your wealth management goals. Contact us today for an obligation free conversation at no charge.
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How your financial adviser can help you earn up to 3% p.a. more on your investments.
Investing: focus less on ‘what’ and more on ‘how’.
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