INVESTMENT PLANNING

THE TRADITIONAL APPROACH:

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Traditional investment planning uses the outcome of the risk profile questionnaire to construct an investment portfolio based on your risk appetite. The challenge with this approach is that it focuses on your risk outcome at the time, without considering the fact that your risk appetite could change over time depending on your circumstances. This approach also does not take into consideration what it is that you are trying to achieve – in other words, your goals. The outcome of the risk profile questionnaire, and therefore the solution recommended, may not align to your unique needs and goals.

HOW DOES LIFESTYLE FINANCIAL PLANNING DIFFER FROM THE TRADITIONAL APPROACH TO INVESTMENT PLANNING?

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OUR ADVICE PHILOSOPHY

Our approach is the opposite of the traditional one. We take time to understand what is important to you and what you want to achieve. Once we have a clear understanding of what is important to you and what your desired lifestyle and goals are, we can identify the level of investment return that is required based on your current financial circumstances.
Your required investment return will determine the asset allocation of your investment strategy. This will lead to a conversation about the risk that you need to take to realise your goals. We look at risk holistically, in the context of what your lifestyle goals are, and by taking your circumstances into account. By completing the circle and carefully taking all of the above into account, we partner with our team of investment specialists, to make sure we give you clarity on the return required to achieve your lifestyle goals.

INVESTMENT STRATEGY

Your financial plan is underpinned by an investment strategy that will help you achieve your dreams and goals throughout your journey. It provides the link between your goals, the investment vehicles you choose and the return required to achieve your goals.
Our range of wealth management solutions is integrated into our advice process. “Inflation-plus” targeting strategies and solutions are at the heart of  our wealth management solutions, along with:
• Multi-manager funds tailored to a specific investment strategy
• The ability to cater for different types of clients, with different time horizons and return objectives
• Employing best-of-breed asset managers, both locally and internationally
• Taking all costs into account.