Risk Profile

So what is your investment risk profile?  

Your risk profile essentially relates to your attitude toward investment volatility and is really a measure of how comfortable you are with things like the possibility of negative returns on your portfolio, experiencing returns that might vary quite dramatically from year to year, and also the possibility that you might not achieve the returns that you need.  

Now it's important to understand the expected investment risk and likely returns of a asset class or strategy that you put together and also have it fit with your personal situation and your financial goals. Other factors to consider when we’re helping you to establish your risk profile would be your willingness or perhaps not, to accept the possibility of a negative return, obviously with the trade off being potentially higher returns over the longer term. Your investment goals and objectives; why are you investing your money? What are you hoping to achieve? Your investment time frame; after how many months or years are you going to need to access this money? What experience and understanding do you have of financial markets and also your age and the stability of your ongoing income are factor in determining what your risk profile really should be. 

In short, working with a specialist investment financial planner to establish your risk profile is a really key piece in terms of putting together your overall investment strategy.

When it comes to investments that could potentially impact on your family, it is vital that you seek appropriate financial advice from a licensed financial adviser.

There are no ‘one cookie cutter’ solutions for investments and factors that play on the returns you will see can be determined by your personal situation, so it is important to sit down and discuss these with an adviser.

Future Assist have Licensed Financial Advisers in Sydney, Melbourne, Brisbane and the Gold Coast and can arrange your FREE initial consultation in the comfort of your home, in our office or via Skype.

Contact Future Assist today: 1300 118 618

Or, contact us on the Future Assist website here >

The Value of Financial Advice - SMSF

At Future Assist we believe good financial advice puts you in control by solving financial problems and removing stress over financial concerns.  We understand the Self Managed Super Fund trustees want to control their investment and retirement outcomes but sometimes they help and guidance. Our role as SMSF specialist advisors is to help you paint a picture of what your ideal financial future looks like and then help you to utilize your fund in the most effective way to get there. 

Specialist SMSF advice can answer questions that are important to you and improve your financial situation.  We know that because we’ve been doing it here for 25 years.  Through understanding your goals and objectives and through practical education your specials SMSF advisor can introduce you to strategies that will significantly improve your outcomes. Some questions you might have may include is an SMSF right for you? Is your current SMSF being managed correctly? Are taking advantage of all the strategic opportunities available to you? Are optimizing your tax outcomes? Have you linked your Self Managed Super Fund to your estate plan? Have you taken or are you likely to be able to take advantage of all the government entitlements available to you in retirement? Do your current investments reflect your tolerance to risk, return and investment volatility? And ultimately, will you have sufficient funds for retirement or will you outlive your capital? Our initial advice process follows a simple path; the first meeting’s free and will be with an accredited SMSF specialist advisor.  This meeting provides an opportunity for us to understand your needs and to discuss your current position, your concerns and priorities, your values and approach to money, your current and future goals, and of course, will address the questions or concerns that have led you to seek advice in the in the first place. This meeting can run as long as you need it to, but generally goes on for around 90 minutes. 

After our first meeting we should be in a position to be able to determine whether we can add real financial value to your current position. We’ll use our extensive technical resources to investigate your financial circumstances and look at SMSFstrategies that can enhance your outcomes.  

At the second meeting, which is also free, we’ll share with you our thoughts around some general strategies that might improve your particular situation and discuss the financial benefits you might receive by implementing some or all of those strategies.  In that second meeting we’ll quote to you our fee to prepare a personalized written statement of advice, which will provide a detailed explanation of our recommendations and the specific advantages that these recommendations will provide to you. The statement of advice also outlines the steps we will take to put the strategies in place as quickly and as efficiently as possible, should you want us to implement your strategies on your behalf.  

Should you wish to engage a Future Assist specialist Adviser to prepare your financial advice, this will then lead to our third meeting.  Where we’ll present your statement of advice and give you ample opportunity to ask questions and clarify understanding. An invoice for our fees will be presented at this meeting. We can also discuss our ongoing service program at that point should you be interested. 

Remember good advice and on-going education puts you in control of your financial future and our special SMSF advisors can provide you with the information and support you need while you control and direct your Self Managed Super Fund.  If you have or are considering establishing a Self Managed Super Fund, I encourage you to view our other educational content on the Future Assist website. And if you like to have a free consultation to discuss your personal situation, or even to seek a second opinion please contact us on: 1300 118 618 or Contact Future Assist