Value the Future

Contact a GOLD LEAF Financial Planner today.

Phone: 0437 554 653

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What we offer

1 Jan 2018

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Appointments

For financial advice to help you reach your dreams.

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.

Mandy and Scott's vineyard dream

 

Mandy and Scott always dreamed of buying a block of land not far from Melbourne with vineyards and starting a boutique winery.  They wanted to be close to nature and grow organic fruit and vegetables for their family. 

A few years ago, Mandy received an early inheritance of $150,000 from her Grandma and she wanted to grow this money as a deposit on the vineyard. 

 

They met with a Gold Leaf Financial adviser who recommended an investment portfolio in a range of assets such as shares, bonds and listed property, that was in line with their values and that would grow over time.  She also recommended they add their savings of $900 per fortnight into the investment and when they received bonuses at work, use part of the bonus as a holiday and add part of the bonus into the investment portfolio. 

 

By investing a regular amount each fortnight, they were surprised at how quickly their investment grew.  They are now on track to having $400,000 to make their vineyard dream a reality.