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Ethical Investing
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Investment portfolio

 

At Gold Leaf Financial we first seek to understand your goals and timeframes so the investment is right for you. 

 

You may have received an inheritance, repaid the mortgage or received a pay rise, and if you have savings you can invest for the future.

When making a recommendation, we look at what you would like to achieve, how much risk you are comfortable to take, and the level of involvement you would like to have on an ongoing basis.  From there we look at different options and features of asset classes (such as shares, bonds, cash and property) to determine what is right for you. 

Some factors a Gold Leaf Financial Planner will consider are

  • Volatility and risk of the value of your investments losing or increasing in value

  • Timeframe

  • Expected returns and financial performance

  • Diversifying your portfolio across different assets and sectors, so you do not have all your eggs in one basket

  • Income

  • Capital growth

  • Minimising fees

  • Tax benefits

  • Administration and time involved to manage the investment

  • Legislation

  • Investment structures eg;  direct investments including shares, wraps or platforms, managed investments, ETFs, SMAs

  • Ownership structures eg;  individual or joint accounts, SMSFs, companies and trusts

  • Estate planning

  • Social security

  • Economic outlook

  • Whether to borrowing to invest

 

Once we have determined the right investment strategy, we take into account your values and the type of investments you would like to support (such as education, healthcare or renewable energy) or avoid (such as child labour, gambling or old forest logging).  By taking these factors into account, research shows you will have solid financial returns.

The result is a recommendation from an expert for an investment that meets your goals, provides a sound financial return and meets your personal ethical values.

We can also help with ongoing portfolio management with adjustments to your portfolio over time as your circumstances and goals change.

Kate and Matt invest for the future

 

Kate and Matt have three children and live near the beach in Brighton, a beachside suburb of Melbourne.  Matt’s parents established a successful business many years ago and have recently given Matt $3.8 million to invest for his family.  Kate and Matt love the beach and feel connected to the environment.  They would like to make the most of this generous gift, to provide for their children and also to give back to the community and protect the environment.

 

They met with a Gold Leaf Financial Planner and discussed their personal values and goals with regard to this investment.  As a result of the adviser’s recommendations, they established a family trust and invested in a portfolio of direct securities that are in line with their personal ethics.  They like having input into the portfolio holdings and having investments that are tailored just for them.  They established a charitable trust which was also invested ethically.  They enjoy distributing the income each year and teaching their children about different social and environmental issues and the positive impact of the charities they support.