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Earn interest rather than pay interest. Investing is the wisdom of using your money, to make money.
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Investment Planning is for Everybody
Expert investment planning for every stage of life: grow your wealth, protect your income and achieve your goals
Your financial journey is our priority - we're with you every step of the way
First Time Investor
You are at the right place. We all had to start somewhere and we are ready to help.
Accumulator
Focusing on building wealth and saving for long-term goals like retirement, houses and education
Unemployed by Choice
Focusing on making sure your capital is managed correctly so your income is protected.
Investing is about using your money, to make money and grow your wealth. Choosing the right investment involves considering various options and understanding the level of risk involved with each one. At Growmatter, our financial planners are equipped to help guide you through the process and find the investment strategy that aligns with your goals and risk tolerance.
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We've seen the positive impact that well-planned investment strategy can have on people's lives.
So why wait?
Our 3 core consideration when Investment Planning
1.
The Fundamentals
2.
Asset Allocation
3.
Choosing the right product
1.
Investment Fundamentals
The 3 basics to building wealth and keeping it
Volatility
Time
Behaviour
Volatility speaks to the risk and fluctuations of your investment. For greater returns, your investment over the short term will have increased volatility.
Time is important as it allows for compounding returns and should provide the lenses on how to view your investment.
Lastly, behaviour is about managing our emotions and the reactions we have while on this investor rollercoaster. An expert who is objective and independent adds
By keeping these fundamentals in mind, you can better position yourself for investment success.
2.
Asset Allocation and Portfolio Management
Maximising your returns through Smart Asset Allocation and Portfolio Management
Based on your investment goals our financial planners will structure a portfolio that balances the correct asset allocation while considering diversification, fees and risk.
also known as stocks or shares in a company. This asset class is volatile but over time can provide growth and dividends. Not a short-term investment.
involves either ownership or a share in the ownership of property. Has the potential to provide both rental income and asset growth. Considered high risk and not a short-term investment
are loans to a government or company in exchange for regular interest payments. This offers a more predictable income stream than equities and property and can at times provide stability.
includes everyday bank accounts, savings pockets, and money market funds. There is little to no capital growth as cash returns are very closely linked to inflation. It is considered low risk good for short-term goals and liquidity
3.
Choosing the Right Product
Finding an investment that aligns with your goals is essential for building a successful financial future
Investment products each have unique pros and cons to them. Some of great for tax savings, others provide complete flexibility, some are high risk while some provide more security.
A unit trust is both flexible and affordable. It allows for diversified investing. It's easy to use and suited to a range of risk profiles.
Very similar to Unit Trusts. ETFs track a particular index, or basket of assets, and can be bought and sold on stock exchanges.
A termed investment with a set of rules and restrictions. Endowments can offer potential estate and tax benefits in unique situations
An investment with tax-free returns and withdrawals. It's a smart and tax-efficient choice for long-term savings.
Retirement annuity provides tax-efficient savings for retirement, with the flexibility to choose investments.
A pension or provident fund is similar to an RA. It is a tax-efficient way to save for retirement with contributions from both you and your employer.
a flexible way to control your retirement income, enabling you to adjust withdrawals according to changing circumstances
A life annuity provides an income for life. It offers peace of mind, protection against market volatility, and a guaranteed income.
What's the value of a financial planner?
Vanguard Group the world’s largest unit trust answers this.