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Financial Planning |
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We acknowledge that each and every one of our clients has individual and specific requirements. Some of our clients are already financially successful and simply wish to protect and preserve what they have. Others are seeking to grow their wealth. As a result, each client receives a tailored and unique service designed to ensure that his or her expectations are met and exceeded.
We can provide a total financial solution, or alternatively, advice can be limited to a particular service or situation.
Our Ongoing Service Program
Change is one of the few constants in the investment environment. Investment conditions, taxation, superannuation and social security regulations are constantly changing and all can have a significant impact on the suitability of your investment portfolio. This makes ongoing advice essential to ensure that the plan you have put in place is achieving your objectives and continues to remain relevant to your circumstances.
At Portfolio Managers Pty. Ltd. we are committed to providing ongoing care to our clients and offer two alternative levels of ongoing service.
Portfolio Monitoring Service
The first of these is our ongoing monitoring, reporting and advisory service, Portfolio Monitoring Service (“PMS”). As part of this service, we seek to work together with you over the years to ensure that your investments continue to meet your requirements and changing financial circumstances.
Click here for more information.
Annual Review
The alternative is for us to meet annually or at such other time that you decide. These meetings enable us to address both strategic and investment issues. |
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Wealth Creation and Accumulation |
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Many people have the desire to build wealth with the objective of becoming financially independent. Unfortunately too many people do not know how they should go about this.
Wealth creation is not about speculation, get-rich-quick schemes or trying to select next year’s highest performing investments. Wealth creation is best achieved through a range of strategies and effective investment that requires planning and action. Keeping abreast of changing legislation, making the most of the opportunities available to you, and structuring your finances appropriately are all fundamental in assisting you in achieving your lifestyle and financial objectives.
As with any journey, unless you have a destination you'll probably never arrive. Therefore, the first step to having financial independence is to plan for it. Unless you start taking some positive steps, financial independence shall be nothing more than a dream.
Remember, long term financial planning is pivotal in securing your financial independence in later life. |
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SMSFs and Superannuation |
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Self Managed Superannuation Funds
Self Managed Superannuation Funds (“SMSFs”) are now the favoured choice of retirement savings vehicle for people looking to do their own thing. But a SMSF is much more than a super fund that lets its members choose their own investments. SMSFs are a powerful wealth creation vehicle to maximise a person’s retirement income and hence their lifestyle. They can offer substantial rewards for their members including greater control of investments, better tax efficiency, greater flexibility, potential cost savings, the ability to structure their own superannuation and a highly tax effective estate planning tool.
But many SMSFs are failing to realise these benefits. For example, the 1999 Rainmaker Information survey of SMSFs reported that the returns of many SMSFs are below those of commercial super funds. Primarily these poor returns were due to poor asset allocation and overweight holdings in low returning assets such as cash and fixed interest. These findings have been confirmed by the ATO’s recently released preliminary statistics for SMSFs.
Portfolio Managers specialises in advising trustees of SMSFs. Our SMSF service allows you to make the most of what a SMSF has to offer. Our main objective in designing our SMSF service, was to ensure that our clients were able to take best advantage of their SMSF so they achieve their financial goals.
Free Self Managed Super Fund Kit
Portfolio Managers has released a kit on how to successfully manage your own super fund. For a free copy of the kit click here.
Superannuation
Given that we have no affiliation with any fund managers or product providers we are in the position to objectively review your current superannuation arrangements and make a recommendation as to whether you should stay invested where you are or rollover your funds to another superannuation provider.
Whether your funds are invested in an industry fund, mastertrust, corporate superannuation plan or retail fund we will assess the suitability of your current funds and compare them to the market. You will then be in a position to make an informed decision of where to invest your superannuation monies to maximise your benefit at retirement.
Corporate Superannuation
As the name implies, these funds are primarily designed to accept funds made by employers on behalf of employers as part of their obligations under the superannuation Guarantee legislation whereby statutory percentages of each employee’s salary is contributed the employee’s member account.
Choice of fund has increase the pressure on the business’ and the time spent on administration by your payroll staff is increasing. Establishing a Corporate Superannuation fund can assist in streamlining contribution.
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Investment Advice |
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Our Investment PhilosophyPortfolio Managers has a formal and systematic portfolio construction process based upon matching our client’s needs and objectives with a suitable investment portfolio. We seek to minimize the overall investment risk through establishing a portfolio that is diversified across both different asset classes as well as different investment styles.
We have a dedicated Investment Committee to research financial products and compile an approved product list. To assist in this process, the Committee utilises the resources of a range of independent research companies to thoroughly research a broad spectrum of products and opportunities. Our investment recommendations are firmly based on this independent research information. Portfolio Managers operates free from any restrictions relating to the financial products in respect of which we advise. We do not offer our own investment products and do not accept incentives or other “soft dollar” benefits from product providers. Furthermore, an unrestricted access to a full range of investment products ensures our clients receive the most suitable and appropriate solution to their specific financial requirements. Click here for more information |
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Personal Risk Insurances |
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Many people readily recognise the need to insure their cars and homes, but neglect to insure their most valuable asset – their lives. As a general rule of thumb, one should insure to protect against the big risks, such as death, trauma (cancer, heart attack etc), temporary or permanent accidents and illness. These big risks could devastate your finances and lifestyle.
It is important not only to insure the major income earner, but to also insure a non-income earning partner, especially where they contribute to child care, home maintenance and so on. In the event of their death or disability , the cost of hiring professionals to provide these services could be considerable. It could also be very expensive to provide care for your partner should they be permanently disabled.
The risks are real, and every working Australian has a 1 in 3 chance of becoming disabled for more than 3 months before turning age 65 and more than half of all serious accidents happen outside of work, so workers compensation does not apply. (Institute of Actuaries of Australia (2000). Interim Report of the Disability Committee. IAAust:Sydney). 
It is important to consider a contingency plan or fall-back if one of these unfortunate events happens. A contingency to ensure you can continue to meet your planning goals and provide surety for you and your family’s financial future. Possible risk insurance requirements include:-
Portfolio Managers are skilled in evaluating your risk protection circumstances and assessing what is the most suitable solution in order to protect your wealth accumulation plans, lifestyle, family and business in the event of unforseen circumstances which would otherwise compromise your financial goals and security.
Click here for more information
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