INVESTMENT PLANNING

Having a diverse portfolio of quality investments is crucial to helping you reach your financial goals and maintain financial stability over the long term. Inflation can erode the value of your money over time, so it's important to invest in assets that not only generate higher income returns, but also have the potential for capital growth. This can help you outpace inflation and achieve positive "real" returns.

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It's also worth noting that financial markets can be affected by a variety of factors, such as global pandemics, the rise of cryptocurrency, investor sentiment, and climate change. These events can create short-term volatility, but a disciplined approach to investing can help you weather the storm. Remember, investing is a marathon, not a sprint. By sticking to a long-term strategy, you can build wealth and achieve financial security.

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While it's impossible to predict exactly what the future holds, we can look to the past to gain insight into how financial markets and investment assets tend to behave over time. Based on this understanding, our investment philosophy is founded on four key pillars that guide our approach to managing and growing our clients' wealth. By following these pillars, we aim to weather any financial storms that may come our way and strive to achieve long-term financial success for our clients.

 

• Discipline is of great importance as investing can be very emotional especially when you see what happens to your life savings or investments during a volatile period. Following a plan with a proper process in place, takes out the emotion and allows you to continue to grow your wealth. 

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• Diversification is about not having all your eggs in one basket and this is very true when it comes to investing. Many different types of assets hold their value and benefits ranging from shares, property, fixed interest, bonds to cash just to name a few. By diversifying, you are spreading your risk and reducing the overall risk of your portfolio.

 

• Evidence-Based Investing refers to using long-held facts about investing from Nobel-winning research data and that no one has a crystal ball. The top fund managers can be the best in one year and the worst in another, however, they will continue to charge their fees no matter how the fund performs. To overcome this, we minimise using fund managers where necessary and focus more on achieving your goals.

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• Cost efficiency is about keeping the cost of your investments low where possible. Over the long term, it has been shown that fees play a factor in the returns of investments. Our portfolios are created with this in mind so that it is highly diversified and low-cost.

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Investment Planning is like a roadmap to achieving your financial goals. By setting up an asset allocation strategy that aligns with both your risk tolerance and risk capacity, you can confidently navigate towards your desired destination. At NorthStar Financial Planning, we believe that proper planning is key to success. That's why we offer strategic investment advice to help our clients set up a customized plan that takes their unique financial situation into account. By following a well-thought-out investment plan, you can reach your financial goals and enjoy a secure financial future.

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