Speculating is NOT something that My Wealth Solutions will advise on.

Speculating is buying an asset in the hope that the value of the asset will increase. The timeframe of this could be anything from a couple of days to several years.

Saving is putting money aside for a finite time that will eventually be withdrawn and spent on a particular goal.

Investing is buying an asset to enjoy the income from that asset. Providing it is a good investment; the income and asset value will grow.

For those with large amounts of cash to be invested, it can be less stressful to place these investments over a period of time.

This means your team of financial advisors will never invest your total lump sum at a market high but will rather systematically invest a fixed amount regularly over a period of time. This means that you invest at a lower average purchase price over time, rather than attempting to time the market. Your buy-in costs are therefore, balanced over the natural market fluctuations, and you’ve invested consistently over time rather than losing time on waiting.

By having a team of professionals on your side to make the many and sometimes complicated decisions involved in investing, you’ll have a greater chance of financial success.

Your financial advisor has the time, resources, education and experience to select and manage your investments.

The following are just some of the decisions a certified financial planner will make in order to help you achieve your financial goals:

• What to buy?
• When to buy?
• How to value?
• When to sell?
• How does investing fit with your whole financial picture?

These decisions are best made based on deep research and experience, not whims, tips, hunches or half-baked attempts at research. Investing should not be a gamble, and we work to ensure you have confidence in your future asset growth.

Property and shares are two of the most common investment categories. Because each person’s lifestyle goals and focus is different, we work closely with our individual clients to create financial roadmaps that include the right investment strategies for them.

Both investment categories have pros and cons and can benefit your investment strategy in different ways. For example, you need to consider things such as your initial budget to buy into the investment, the outcomes you are seeking, both short and long-term, and if you want to earn money from your investment immediately. 

That’s why your investment advisor will create an investment plan that is tailored to you. 

For more information about what’s involved in investing in property or shares, click on the links at the bottom of the page for a comprehensive overview.

My Wealth Solutions has been offering investment advice in Brisbane and the surrounding areas for over 10 years. Our investment team is backed by a committee of expert investors who have many years of experience in economics, capital markets and financial advice.

Our investment strategies are delivered according to our C.A.R.E. process. This involves a strategy where your investment is divided into 4 buckets. Core investments, Active investments, Reserves, and Enhanced Returns. This combines foundational long-term investments and high-return investments with a reserve that provides stability when the market is unsteady or declines.

Throughout our meetings, we will provide you with further details about our C.A.R.E. Investment process.

Over the long term, shares will generally perform better than any other passive investment. The trade-off is that they fluctuate in value and can decrease in value over the short term.

This is perfectly normal, and if you own shares, they will go down in value from time to time. However, when held for the long run and if appropriately diversified, history has shown that they outperform other investment asset classes.

Timing of the share market is largely a futile exercise, as years of studies have shown. Accurately timing the short-term movements of the share market is often very difficult to do well once or twice, let alone consistently, while following predictions rarely has benefits to your portfolio. Knowing when to get in is one thing, knowing when to get out is another, and then once you’re out, you have to get back in. This is an impatient game with a high failure rate.  

Investing by timing the market has increased costs (brokerage and taxes) and creates an unproductive short-term focus rather than the long-term achievement of your goals.

Wise, long-term investments will deliver good returns that make timing of the markets unnecessary.