Investment Strategies

Cash Management Accounts (CMA)

With a CMA also comes an excellent cashflow management system, providing the flexibility and control to help you manage transactions. The CMA offers easy access to account and cashflow information so that you can keep track of all payments to and from the account, including distributions, pension payments, expenses, member contributions, asset purchases and sales.

Dividend reinvestment

You can arrange for dividends from shares, warrants, interest payments or distributions from other investments and accounts to be credited directly into your CMA.

Competitive interest rate

With a CMA at the heart of your wealth creation and cashflow management strategies, you will also benefit from a competitive interest rate. The interest you earn on the balance of your Account is subject to fluctuations in the interest rate so there is no guarantee that you will always earn a particular rate of interest on the balance of your Account.

Government Guarantee- (known as the Government Financial Claims Scheme)

Cash Management Accounts are Government Guaranteed up to $250k per entity per authorised deposit-taking institution.

Term Deposits

A term deposit is an investment where the interest rate is guaranteed not to change for the nominated term, so you’ll know exactly what your investment’s worth. Choose the term to fit with your other investment plans and, as your returns are secure, your term deposit can be used as an income stream.

Separately Managed Accounts

A Separately Managed Account (SMA) is a customised share portfolio where the shares are owned by individual investors. Your investment in a SMA is allocated across one or more existing investment models. As an investor, you receive direct share ownership and professional funds management. SMA’s are ideally suited for clients wanting to beneficially own securities, have their portfolios professionally managed and have all administration/reporting taken care of. SMA’s are ideologically suited to Self Managed Superannuation Fund’s (SMSF) for their preference for direct share ownership and management and administration of their portfolio.

Managed Funds

A managed fund pools your money with money from other investors to form an investment fund. Specialist investment managers then invest the money in the fund on your behalf.

Managed funds come in many shapes and sizes. Some funds invest in just one type of investment such as Australian shares, international shares, cash or mortgages while others known as diversified funds invest across a range of asset classes including Australian shares, international shares, fixed interest, property securities and cash.

So whether you have $2,000, $20,000 or $200,000 to invest, your money has access to the investment buying power of millions of dollars. This buying power means you can take advantage of opportunities normally only available to large corporations or those with extensive specialist knowledge.

Multi-Manager Investing

Multi-manager investing is a simple concept that aims to deliver returns and manage risk. Unlike a traditional fund, in which a single fund manager controls all of the money and investments in a fund, Multi-Manager portfolios spread your money across different asset types and funds managers. By not putting all your eggs in one basket, we help you diversify your investments and reduce your exposure to risk.

Tax Effective Investments

Nobody likes to pay tax. You may be able to reduce tax by utilising the right type of investment.

Some examples of tax effective investments are:
  • Superannuation & Pensions
  • Investment Gearing (Property, Shares and Managed Funds)
  • Borrowing and investing into Capital Protected Investments
  • Investment Bonds
  • Salary Sacrificing
  • Transition to Retirement (TTR)
  • Debt Recycling

You may be able to claim a tax deduction and increase future deductibility while acquiring an asset at the same time.

Introduce a long-term tax effective strategy that is beneficial and financially rewarding.

Each and every person has a different financial structure, building a future income stream is vital in today’s ageing population – who knows what complications will arise in the future for Australian retirees.

Provide for your future and that of your children by implementing a strategy sooner rather than later.


What is Diversification?

Diversification is the process of investing a portfolio across different asset classes in varying proportions depending on an investor’s time horizon, risk tolerance, and goals. While diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses, this disciplined approach does help alleviate some of the speculation that is often involved with investing. Primary asset classes include Australian shares, International shares, Australian and International Fixed Interest, Property and Alternative assets.

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General Advice Disclaimer

This information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Professional Investment Services (PIS) Authorised Representative before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Professional Investment Services nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.