Portfolios built with you in mind

Selecting two identical funds will not add any diversification. By investing in two different funds whose characteristics are complementary, one achieves diversification and therefore a reduction in portfolio risk.

It is an easy mistake to make to assume that you should have all the funds in your portfolio performing well at any one time. In fact it is desirable to have some funds performing better than others, just so long as when the performance of one fund dips, another is there to take up the slack.

So, getting the right blend of investments is important, but just as vital is having the right investment strategy to begin with. We understand that no two individuals have exactly the same requirements. However our experience also tells us that while specific details vary, most investor needs can be met by one or more of the four main types of investment portfolio:

High Income Portfolio. Providing a higher level of income than can be obtained from savings interest on deposit accounts.

Income and Growth Portfolio. Investments that provide the potential for real capital growth, as well as paying out a steady, if modest income.

Growth Portfolio. Returns are realised purely through capital growth

Adventurous Growth Portfolio. Taking additional risk in the hope of achieving a higher level of capital growth