Investment
“Expert independent financial advice means getting personalised, unbiased guidance from a knowledgeable professional who puts your financial well-being first, free from ties to specific products or institutions, when investing for your future”
-Andy Hyland, Financial Adviser
Our Philosophy
Our approach to Investment is about building a portfolio to help achieve the life you aspire to while reducing anxiety and worry about your money.
There is no speculation in what we do. We don’t claim to pick the next big investment opportunity or predict when the next big market crash will be.
Instead, we design investment portfolios to capture long-term market returns using an evidence-based investment philosophy.
5 easy steps to sort your finance
The best time to invest was yesterday
1.Schedule Call or Video Chat
We assess your situation, needs and goals and answer your initial questions.
2. Discovery Meeting
We meet with you to discover your financial situation, what you value and establish the goals you would like to achieve.
In this meeting we present your personalised financial plan and outline the investment strategy. Once you understand and agree, we'll proceed to finalise the paperwork and take the first step toward your ideal future.
3. Mutual Commitment Meeting
Your plan will be in motion. We review your progress, answer questions, and discuss any advanced planning such as estate and insurance planning.
4. 45-Day Review
We review any significant changes in your personal or financial situation since our last meeting, and check overall progress towards your long-term financial goals. Any necessary adjustments will be made to keep you on track to achieve the lifestyle you aspire to live.
5. First Regular Progress Meeting
Our Approach
We integrate financial planning with investment management and develop strategies that are tailored to your specific goals.
First, we take the time to get to know you to gain a strong understanding of your life, aspirations, and the purpose of your money. When that purpose is clear, making decisions about how to manage your wealth becomes much easier.
Secondly, we develop a tailored financial and investment plan that considers all aspects of your financial life. Your plan will give you the greatest probability of achieving the life you aspire to while eliminating known risks that provide no additional return to you. Investing doesn’t have to be a stressful process—we will help you to understand anything that isn’t clear, plotting an investment strategy that will not only create wealth but preserve it in the future.
Our Six evidence-based principles of investment
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Markets are efficient – all information known about a company is already reflected in its stock price. Because of this, it is incredibly hard to beat the market.
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Trying to consistently time markets or predict the future, when deciding how to invest, adds cost and risk to a portfolio without increasing the expected return.
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Minimising the cost of investing is vital to long-term success.
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Global diversification, when applied appropriately, reduces investment risk and enhances expected returns.
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The most important decision is the asset allocation, the proportion of the portfolio invested in each asset class (shares, property, fixed interest and cash). Asset allocation is what determines the returns and risk of a portfolio, rather than which individual asset should or shouldn’t be held.description
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One of the main drivers of investment return is risk. To achieve investment returns you must accept market risk. How much risk you are willing to take will influence the long-term expected returns of your portfolio. This is controlled by building a portfolio with an asset allocation that provides a measured exposure to risk that is aligned with your goals and aspirations.
Bradley Nuttal Otago trusted partners
Lets Talk
Schedule a personalised consultation with our experienced financial planner today. We are here to help you navigate your financial journey, providing tailored advice and strategies to meet your unique goals.