Financial Advice & Asset Allocation

Asset allocation is an important way your financial adviser provides upfront and ongoing value. Investors are rewarded for the amount of risk they take, but not every investor has the same attitude to risk.

An investor’s risk tolerance can also be guided by the stage of life the investor is at.  Younger investors with a longer investment horizon will often allow themselves to increase their risk levels. Older investors moving closer to reaching their investment goals or retirement will often lower their risk to preserve the capital they have built.

It’s your financial adviser’s job to figure out the appropriate level of risk you’re willing to take. They will then build a portfolio that strikes the balance between risk assets, such as equities and listed real estate, and defensive assets, such as bonds/fixed interest and cash. The aim is to provide you with the highest possible return for the level of risk you are willing to take.

Good financial advice will ensure you have the right amount of each asset class according to your need. While a good financial planner will also ensure these assets are structured properly to ensure potential tax savings now and in the future.

Why Blue Diamond Financial?

Financial planning is about a relationship between you and your financial adviser. If they are working for you and understand you and your situation they will be looking to make your portfolio and financial circumstances more cost efficient. At Blue Diamond Financial we are client first and operate on a fiduciary basis meaning they have your best interests at heart.

Blue Diamond Financial is FYG Planners is a privately owned AFSL. This is in contrast to major banks and institutions, where the advisers see their clients as sales targets without an incentive to lower your investment costs.

If you want a second opinion on your asset allocation, or just want an obligation free meeting with a fiduciary financial planner across Sydney or in the Norwest and Hills District, give Blue Diamond a call on 1800 773 202

Learn about the value of financial advice through controlling investment costs.

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