The first two steps of ASIC MoneySmart’s ‘Golden Rules of Investing’ are straight forward.

They are:

  • Pay off your debts first — pay off any loans, like a credit card or personal loan, before you invest.
  • Have emergency savings — aim to have enough set aside to cover three months’ expenses, so you won’t have to sell an investment if you need cash quickly.

Once you have that under control, LIFE Financial Planners are very well placed to help you work towards living your best life. We will work with you through our six-step process to discuss what you want to achieve and your attitudes towards investment risk.

LIFE Financial Planners can design an investment asset allocation specifically tailored to you, which we implement and monitor regularly. Asset allocations and recommended investments are regularly researched and analysed, to ensure the recommendations we make are current and relevant to you.

With ever changing market and economic conditions we know how vital it is to stay up to date with current information and opportunities. At each of your regular portfolio reviews we provide research for all of your recommended investments and we explain to you the reasoning for all recommendations. It’s essential to know your portfolio is researched, structured and most importantly, tailored to you and your goals.

Risks and Returns

Understanding the Risks and how that impacts your Returns

Setting realistic expectations of what you can expect from your investment is paramount. The level of risk you are prepared to take will impact long term on the returns that you can expect from those investments. Understanding the risk rewards ie returns is the cornerstone to investing.

We’ll educate you, set realistic expectations and manage your emotions through the ups and downs of markets.