Education: investment strategies, superannuation & managed funds explained

More details on the fees you pay

If you've received ongoing financial planning advice from your adviser from any time after 1 July 2012, then it is likely that you are already receiving statements and information from your adviser on the fees you pay.

If you continue receiving ongoing financial advice and paying ongoing adviser fees, then from 1 July 2013 you'll receive more information on the fees you pay on a fee disclosure statement.

A fee disclosure statement must be issued by your adviser at least once annually and will provide you with:

  • Clarity on fees which you have paid to your adviser
  • The services you were entitled to receive and the actual services you received from your adviser

Fee disclosure statements are produced and issued by your adviser. If you have any questions about your fee disclosure statement or the fees you are being charged, please speak with your adviser.

Financial planning

At Asgard, we believe that the best way to achieve your financial dreams is to seek financial advice.

We also know that asking a financial adviser for help might be a bit of a scary concept - you may not have everything quite as well organised as you'd like - but don't worry, your financial adviser has seen it all before!

Even if you are nowhere near retiring, your financial adviser can still do plenty to help you with your investment strategy and achieve your financial dreams.

In fact, given recent global market activity, there's never been a better time to get good advice. These difficult times underline the real benefit that a good financial plan and adviser can provide.

So what are you waiting for? Find a financial adviser in your area and get started today.

Regular investing

To achieve financial success, two elements are needed: a financial goal - developed with a financial planner, and regular investments. A small amount invested regularly can have a greater impact on your investments than larger sums invested irregularly. The first step to regular investing is to set a financial goal.
Regular investing guide

Managed investments

If you'd like to invest in shares, property, bonds and cash but don't have unlimited time or money, managed investments may be the solution for you. Managed investments pool the money of many individual investors, and then invest that money on behalf of those individuals.
Managed investments guide

Investing internationally

Investing internationally is one of the best ways to diversify your portfolio, maximise investment opportunities and build your wealth. There are a whole host of reasons why investing offshore can be a valuable addition to your portfolio.
Investing internationally guide

Investment risk

Understanding investment risk is the key to developing a successful investment plan. There are three main types of investment risk:

  1. Permanent loss of capital
  2. Fluctuating returns
  3. Not achieving your goals

While all investments potentially have these risks, all three can be managed and minimised.
Investment risk guide

Superannuation - do you have enough?

Superannuation is one of the most tax-effective ways of saving for retirement. By saving a portion of your income today, you can ensure that you will have enough money to live comfortably by retirement. The question is, how will you make sure you have enough?
Superannuation guide

Allocated pensions

So, you've finally made it to retirement. You've accumulated a healthy balance in your superannuation account and are now looking forward to those retirement years you've been dreaming about. But what happens now? How do you ensure you are going to get the most out of your superannuation? One option is to purchase an allocated pension with your super, to provide you with a regular and tax-effective income stream during your retirement years.
Allocated pensions guide

Investment platforms

Like an investment supermarket, a platform, such as a master fund or wrap, gives you access to an extensive list of investment products offered through many different retail fund managers at wholesale prices. Many investors choose to invest through a platform to gain efficient access to a range of managed investments. Platforms are administration facilities for investment and superannuation money. They simplify the investment process because they consolidate all the investment reporting and administration for you, and send you regular portfolio valuations and tax statements. Importantly, the better platforms give you access to world-class investment managers at wholesale fee rates.
Investment platforms guide

Self Managed Super

Do-it-yourself (DIY) super via a self managed super fund (SMSF) is becoming an increasingly popular choice for investors who want to have control of how their superannuation monies are invested. However, if you are thinking of leaving you public offer fund to get better returns or other benefits from your own DIY fund, you'll want to discuss you options in detail with your financial adviser.
Your guide to self managed super

Investing in shares

When buying shares, you become a part-owner of a business listed on the stock exchange. As a part-owner, you will receive a proportion of the profits (dividends), and you will benefit from any growth in the share price. The share market is a place where people can buy and sell shares, and where companies can raise capital by issuing shares to investors. You can invest in shares directly, or via a managed investment or separately managed account.

Margin lending

Margin lending (or gearing) is another term for borrowing to invest and it can be an excellent strategy to enhance your investment performance. People gear investments so that they have more money working for them, in order to create wealth more quickly.

If you'd like further information, or personal advice on any of these topics, speak to your financial adviser. Click here to find an adviser in your area.

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