Investments

Many of our clients tell us that what they want before investing is:

• Good information;
• Understand the risks involved with particular investments;
• Obtain reasonable returns over time;
• Receive sound advice tailored for their situation.

At FSB4 we work with you to identify your goals, short and long term, dependent on your current stage of life. We then help you understand how much volatility you are comfortable with, regarding returns on these investments. This may vary between none to a lot. Once you have told us that we then work with you to decide on the right mix of products and services, which will help achieve your goals.

Click here to read about the different types of investor (i.e. balanced, conservative, defensive, etc).

At FSB we broadly focus investment to four areas:

• stocks and bonds
• property
• business
• speculative

In each of those areas you may choose direct investment or indirect via Managed Funds. We use our best endeavours to attempt to select the fund managers who will consistently perform in the top 25% of funds relative to their competitors but there is obviously no guarantee that the funds selected today will remain in that category in the future.

In our opinion a diversified investment strategy is fundamental to successful total financial planning.

Click here to view testimonials from some of our long-term investment Clients.

8 Rules of investment

1. Be clear about your investment objectives.

2. Invest for the medium to long term – not the next few years.

3. Make full use of subsidized superannuation plans – like company super or KiwiSaver.

4. Allow for market cycles and bumps.

5. Have a reasonable degree of diversification.

6. Take good advice.

7. Avoid Fads.

8. Do not be influenced by daily market comments – newspapers / TV.

For more information / elaboration on the key aspects of the 8 rules, please contact us for a no obligation review of your current financial circumstances, and to discuss how FSB can assist you in managing your investments.

Types of Investor

Conservative

Investors requiring capital values to be protected and a regular source of income, and who are willing to accept below average returns in order to minimise volatility.

Moderate

Investors requiring minimal volatility in capital values and a regular source of income, and who are willing to accept average returns for average volatility.

Balanced

Investors requiring a relatively low level of income and above average long-term growth from a portfolio that maintains a balance between “income” and “growth” assets, and who are willing to accept moderate volatility.

Growth

Investors requiring minimal income, and who are willing to accept higher levels of volatility in return for potentially higher returns over the long term.

Aggressive

Investors requiring no income, and who are willing to accept very high levels of volatility in return for the potential to achieve very high returns over the long term.