Investment
Investment Planning
This is the placement of your money into the most appropriate types of investment to enable you to achieve your goals relative to your Investment Profile.
Our process involves helping you identify your investment goals and establishing your current financial position. We then present you with your own personalised investment programme, which we help you implement. Next we undertake to review and monitor your programme with you on a regular basis.
Asset Classes are:
Cash
On-call deposit accounts.
Fixed Interest
Government Stock, SOE Bonds, Local Authority Stock, Corporate Bonds or Term Deposits.
Property
A “Bricks & Mortar” investment utilising a range of excellent property options. These include residential, commercial, industrial, retail and property investments funds.
Equities
An investment giving part ownership (a share) in listed companies. These can be Australasian or Global normally via specialist funds or from the stock exchange.
Specialty or Alternative Investments
These include multi-trading funds, hedge funds and capital protected funds and tax effective options.
Investment Options Include:
Wrap Accounts
Select Wealth Management Service: A custodial service designed to help you access a range of professionally managed investment options. Funds are selected by an independent investment research analyst with an independent custodian and a separate nominee company. Investments can be lump sum, regular contribution or a combination of both. Select Wealth Management Service is outserviced by Sovereign Assurance.
Discovery Portfolio Services: Discovery is a flexible and highly individualised portfolio wrap service that provides your adviser with a sophisticated tool for managing your portfolio. Discovery provides access to a vast range of managed funds, listed securities and direct debit investments as well as a reporting system for direct assets. Discovery is outserviced by First NZ Limited (FNZ).
Unit Trusts
A pool of individual money invested into a range of investments by a professional investment manager. They range from class specific funds (ie. Shares, Property, Fixed Interest) to diversified funds (ie. Balanced, Growth).
PIE (Portfolio Investment Entity) Funds
PIE funds deduct tax for underlying investors based on the investors prescribed investor rate (PIR) to minimise tax liabilities and enhance returns where appropriate.
Capital Protected Funds
An investment made for a set term in a range of selected investments from cash to commodities to international shares. At maturity a return of capital is underwritten by a major institutional bank.
Cash Management Accounts
To provide investment in a professionally managed portfolio of bank and prime corporate short-term securities. With interest calculated daily and funds on call it is ideal for a cash component of a portfolio or for placing funds short term between investments.
Hedge Funds
A fund designed to take advantage of market volatility and make a profit by using a variety of financial instruments.
KiwiSaver
A voluntary work-based savings scheme introduced by the NZ Government aiming to encourage all New Zealanders into better saving habits. KiwiSaver helps members accumulate assets and save for their retirement with Government and Employer contributions.
Multi-Trading Fund
Actively managed fund utilising a wide range of asset classes including options, swap contracts, futures and derivatives.
Property
Direct commercial
Property investment funds - listed and unlisted
Financing / Gearing
Tax Deductible / Tax Effective Investments
Normally based on a primary production investment, (e.g. Vineyards). IRD product rulings enhance the investment returns to the investor by allowing most of the investment as a deductible expense.
Term Deposit Bond
A tax-paid, fixed rate investment with flexible termsavailable from 90 days to 5 years
U.K. Listed Trusts
U.K. Investment Trusts are listed on the London Stock Exchange and in some cases also on the NZ Stock Exchange.