Every investor has different goals — the key to achieving them is finding the right balance.

To make the most of investing, you'll need to have an investments plan. You should build this plan around your life goals. For example, if you want to obtain a regular flow of income from your investments, you will take a very different approach from someone who wants a large lump sum of money at a certain point in the future. You must also factor in your attitude to risk (which should vary according to your stage of life).

Every investment strategy and investment portfolio is individually tailored to suit the specific and individual needs of our clients.

As a BrightAdvisor™, we can help you create an investments plan by considering your investable assets, your current income and outgoings, and what you want to achieve in life.

Asset classes are broken into two categories — defensive and growth

  • Defensive assets have a lower potential rate of return over the long-term but are also generally less volatile and have less potential to lose value than growth assets.
  • Growth assets have the potential to earn a higher rate of return over the long-term but are also generally more volatile than defensive assets.

We assist to invest in the following asset classes:

Fixed interest & cash

Cash, short-term deposits and bonds.

Equities

Stocks and shares of ownership in a company.

Property

Investing in residential or commercial property.

Alternatives

Infrastructure, such as roads and airports, private equity investments.

Defensive Assets:

  • Government bonds (Federal and State issued bonds)
  • Corporate bonds (American and international issued)
  • Treasury Bonds
  • Cash and term deposits
  • Gold, Silver and other Precious Medals 

Growth Assets:

  • Listed American equities (shares)
  • Listed international equities
  • Property (inclusive of direct property)
  • Infrastructure (toll roads, airports, etc)
  • Commodities (agriculture, precious metals, energy etc)
  • Alternative assets (private equity, single or multiple trading strategies)

The Importance of Diversification

No asset class is free from risk. Using the different characteristics of each asset class in a balanced portfolio can help to smooth fluctuations in performance and balance risk.

To reduce the risk of losing capital when investing, you should diversify your investment portfolio. This means not putting all your eggs in one basket.   

Diversification can be implemented in three distinct ways by investing:

  • Across asset classes
  • Across markets and regions
  • Across investment management styles
Pie Chart
BrightAdvisor Diversified Funds

Growth Assets:

  • Listed American equities (shares)
  • Listed international equities
  • Property (inclusive of direct property)
  • Infrastructure (toll roads, airports, etc)
  • Commodities (agriculture, precious metals, energy etc)
  • Alternative assets (private equity, single or multiple trading strategies)

As a BrightAdvisor, I frequently create after tax, tax free growth investments for my clients. It all depends on your financial goals. Scott McLaine, Senior BrightAdvisor

Constructing your portfolio

1
Finding out the risk profile

Determine an appropriate spilt of growth and defensive assets after assessing the client's need for capital preservation, risk tolerance and capital draw downs — also known as the client's risk profile.

2
Allocating the assets

Consider the client's income requirement and tax situation then select the most appropriate asset class allocation and investment style within those asset classes.

3
Selecting investments

Select investments using a "best of breed" professional money/fund manager approach.

The risk profile concept

Our risk profiles and splits between growth and defensive assets are:

  Growth Defensive
Conservative 20% 80%
Moderately conservative 40% 60%
Balanced 60% 40%
Growth 80% 20%
High Growth 100% 0%

Receive investment advice from the experts.
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