Saving: Setting aside money for a finite time that will eventually be spent on a particular goal. This is generally best as a shorter-term approach.

Investing: Buying an asset to enjoy the growth or income from that asset. Providing it is a good investment, the income and value will grow. Generally this is a long-term approach.

Speculating: Buying an asset in the hope that it will pay off. Usually, this is in the attempt to make money quickly. Speculating is high risk, high guesswork, and we don’t think this is a smart approach. We won’t provide advice on speculative investments.

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.

We break down the pros and cons of each in our Property vs Shares article. 

It’s a strategy where you invest a set amount regularly over time. This helps to balance out the costs of ‘market volatility’, i.e. sometimes you may buy up and sometimes down. It also balances out risk, by having a steady investment in the market at all times without trying to time the market, thereby removing much of the guesswork.

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. Your buy-in costs are then 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.

The following are just some of the decisions our financial planners 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. Investing should not be a gamble, and we work to ensure you have confidence in your future asset growth.

Trying to time the market rarely works, particularly over time. You may get it right once or twice, but research shows that generally this approach fails to attract the same returns as steady investment and staying in the market long-term. Our focus is on consistent, long-term investing, proven to have reliable results, so you can grow your wealth without the stress of guessing market moves.

Read more about how to identify good and bad investor behaviour.