We use The CAREphilosophy®, which is designed to work in the real world for people with a variety of portfolio goals and risk profiles.  While traditional investment theories are focused on asset selection, with a minor emphasis on market timing, the CARE Philosophy is designed to also absorb the risks posed by investor behaviour.

CARE works from three key areas: 50% investor behaviour, 45% asset allocation, and 5% timing and selection. The CAREphilosophy® is based on the principle that investor behaviour makes the difference in your investment success.

The DALBAR Study found that the average return from the top 500 U.S. listed companies between 1980 to 2000 in the U.S.A was 12%. In contrast, the average return for investors over the same period was 4%. What was the cause of that 8% difference? Negative investor behaviour.

CARE is split into four unique sections, or buckets, that work together. Each plays an important role in managing your wealth. Your asset allocation is tailored, based on your personal goals, your timeline to using your investment income, how you would like to use your money, and your risk tolerance.

• Core Investments (40%-100% portfolio depending on risk profile)
• Active Investment (0%-20% portfolio depending on risk profile)
• Reserves (Retirees 4 years worth of spending/Working Income Protection and Emergency Fund)
• Enhanced Returns (0% – 35% depending on risk profile)

We don’t rely on speculation or market timing — strategies that often prove ineffective. Instead, we focus on building a smart, forward-looking investment plan that’s designed to weather market ups and downs and support your financial success for years to come.

CARE is overseen by a team of expert Australian financial professionals with over a century’s worth of experience between them.

A retirement investment strategy can be integral in a well-developed retirement plan. Our investment strategy factors in your level of risk sensitivity and your timeline to create a personalised plan that is integrated with your holistic retirement roadmap. Our investing for retirement strategy means you achieve:

• Diversity in your portfolio
• Protection against risk
• Maximised returns
• Your retirement goals

Each retirement plan will look different based on life stage, individual needs, preferences and lifestyle – we take the time to ensure these factors are carefully considered and incorporated.

We focus on understanding what you really want from your retirement and helping you achieve that.

Our retirement financial advisors and planners will work with you to clarify your goals, and then develop an action plan that clearly sets out the steps you need to take to achieve these goals.

There are many strategies to optimise and use your superannuation more effectively. Depending on the stage of your retirement, the amount of retirement funds you have, and what you want to use them for – your strategies can vary.

Some of the super strategies we use throughout retirement planning include:

• Consolidating multiple funds
• Optimising pre- and post-tax contributions
• Salary sacrificing and spouse contributions
• Utilising downsizer, carry-forward, or catch-up rules
• Setting up your asset allocation and investment strategy within super based on your timeline and risk profile
• Reviewing insurance held within super
• Transition-to-retirement (TTR) strategies
• Assessing whether an SMSF is right for you
• Choosing between lump sum withdrawals or income streams
• Rebalancing your superannuation based on your retirement timeline & income needs

When budgeting, you must include all of your sources of income as well as all of your outgoing expenses. It is critical that you are realistic, particularly when estimating your future monthly budget in retirement.

A good budget will assist you in understanding where your expenses will be and determining exactly how much income you will need to draw from your superannuation or other sources to support your lifestyle.

It is also helpful to identify which areas you may be able to reduce expenditure in if necessary. Our blog explaining how much you need to retire covers more detail on the helpful ‘rules’ for retirement budgeting.