Investment Planning & Advice Gold Coast

Successful investing can be the difference between a comfortable retirement when you can achieve your ambitions and one where you have to limit your aims and watch what you spend. To ensure you have the best chance of investing successfully, get professional advice from a trusted source.

That’s generally best because investments require a lot of research and monitoring to ensure they do what’s required.

Most people don’t have the time or experience to do this properly whereas professional advisers spend their whole working life immersed in investment options and so are able to offer the best investment advice.

For the inexperienced, investment can be hard work. Like many industries, the investment business has its own jargon and complexities that you need to be fully familiar with if you are to take full advantage. You have to learn the basics, keep up-to-date with a constantly changing market and monitor your investment portfolio frequently.

If you haven’t the time and patience to do that, and most people don’t, here at Quill we can provide the investment advice you need to set you on the right path.

The Best Asset Class Mix through Investment Planning on the Gold Coast

Investments can cover different asset classes and you need to consider each one to build a balanced portfolio:

• Equities are the most commonly recognised type of investment but can be volatile and can deliver spectacular losses as well as very high returns. They are generally one of the highest earning asset classes, returning 7.1% in the ten years up to 2015, but then falling to 4.3% due to weak performance in 2015.
• Property averaged 8.1% returns in Australia in the ten years to the end of 2016. The property market can fluctuate but is generally booming across the country.
• Fixed income bonds are loans to governments or corporations over a fixed period and pay interest on the loan, averaging 6.1% per annum over the last ten years. They provide a stable return and are viewed as a defensive asset to offset instability elsewhere.
• Cash includes bank accounts and term deposits. These are the most stable of all and can easily be converted to cash but generally, and particularly today, offer the worst returns.

It’s usually advisable to have a balanced portfolio that has a mixture of asset classes with variable returns. These are designed to provide a consistent rate of return overall and fit in with your tolerance to risk so that losses in difficult times are limited.

Building Wealth through Good Investment Advice on the Gold Coast

As with many things, investment planning is best started early. A long-term plan enables you to get the best possible returns, taking advantage of the ups and overcoming the downs that are inevitable with any investments.

With long-term investments, small increases in returns or reductions in costs can make a significant difference to the value of your portfolio. A 1% difference each year can affect the final amount by almost one third over a thirty-year period, so choose carefully to achieve the best outcome.

At Quill, our investment advisers will help you achieve your aims. We’ll establish a plan, create a diversified portfolio and actively manage it to ensure it meets your expectations. Together, we can make your hard-earned savings really work for you.

Whether it’s individual or commercial tax needs, financial advice or strategies to grow your business, the Quill Group has you covered!

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