Our approach
If you want a portfolio that weathers any storm, you need a well-planned strategy built on solid foundations. You also need investments you can live with; a portfolio built with your needs and goals in front-of-mind. Ours is a personal approach. Large or small investors, personal or business – we provide the same commitment and the same ethics to all who walk through our doors.
Research
Lonsec is our trusted and approved research house. They know the landscape of current markets and provide regular updates on the following:
- ASX 200 Listed companies
- Selected Australian, small emerging companies
- Over 850 managed funds
Lonsec provide a solid list of portfolio models for investing. Each is based on a client’s risk tolerance and investment strategy.
Income vs. Growth investment
What’s your style? Depending on your expectations of risk and return, you may decide on a portfolio that offers higher income and lower growth or, alternatively, a higher growth investment that has less income. Or, you may opt for a portfolio that is a mix of both. It is our task to help you determine a strategy that best suits your needs and adapt your portfolio to accommodate your changing circumstances later in life.
Gearing
Borrowing to invest is one of the most powerful ways to build your wealth, but it comes with a higher level of risk and complexity than a standard investment. Borrowing to invest is beneficial if the potential returns are greater than the interest you pay on your loan.
This is a specific strategy for those happy to ride the significant fluctuations, both up and down, in the value of their investments. There are advantages and disadvantages in gearing and the tax implications will vary depending on your personal situation. It is always wise to seek professional advice from an adviser that is accredited in margin lending and geared investments before considering this style of investing. Charter Towers can not only help you with the right advice for investment options and the management of your facility, we can also help secure a loan that best suits your needs.
Property investment
At the moment, your largest property investment may well be your home or a rental property. There are, however, many options outside the usual property investment types. These include investing in:
- Industrial
- Retail
- Rural
- Commercial
- Residential
- Tourism
Whether you invest in property directly, or you choose to invest in a property trust, we can offer advice on investment alternatives, loan options, tax and legal implications.
Superannuation
Superannuation is a tax effective method of investing for your retirement. It is not only an asset in your portfolio list, it is also the structure for a range of investments that include cash, shares, property and fixed interest funds. When constructing your portfolio, our advisers can help you determine how your super fits into the greater scheme of your investments.
Not-for-profit organisations
We understand the challenges faced by not-for-profit organisations that face balancing their public mission with the real life demands of asset protection, running costs and asset distribution. We provide investment advice and management services catered to your goals and obligations.