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Steps to building an investment portfolio

Considerations with investment portfolios

Your investment portfolio is one of the most important foundations of overall wealth management. Structured correctly, it can help you achieve both short and long-term financial goals with its ability to provide income as well as capital growth.

Here are the steps you should take before locking in your investment portfolio decisions.

Seek expert advice

Building an investment portfolio is more complex than it may look. There are many aspects to consider that go further than individual investment decisions. Obtaining specialist advice gives you an opportunity to make informed decisions about your portfolio. This advice may result in favourable outcomes that may be difficult to replicate with your own knowledge and experience. Investment Advisors consider your entire investment strategy and broader wealth management plan when making recommendations such as asset allocations and diversification.

It may also be beneficial to work with investment Advisors who use in-house asset managers for their investment portfolios. This may give you access to bespoke portfolios that are more suited to your financial objectives.

Prioritise portfolio structuring

A portfolio is made up of investments in several different asset classes and investment options. And it’s the combination of these choices that has the greatest impact on your investment returns. Building your investment portfolio shouldn’t be a series of individual investment decisions. It should be carefully structured after a comprehensive analysis of your financial goals, risk profile and income and growth requirements. This will help determine not only the asset classes you invest in, but the ratios at which you invest in these options. An experienced investment Advisor can help you make appropriate and informed choices in relation to your portfolio structure.

Get comfortable with your investment strategy

Having a robust investment strategy and being informed about investment decisions gives you the best opportunity to be comfortable with market movements. It allows you to trust the process and understand that building wealth takes time. There’s a lot to be said for prioritising your risk profile when it comes to investing. After all, this is our comfort zone. However, investment recommendations shouldn’t be made solely on your risk profile. They also need to be balanced in line with your financial goals. A specialist wealth Advisor will consider all options to establish necessary congruence between them. You’ll be able to sleep at night without worrying about market movements and comfortable in the knowledge you’ve made the right investment decisions for your future.

An investment portfolio is the cornerstone to a successful wealth management plan. We can help. Contact us on 03 8646 4000 for a complimentary discussion.

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