Financial planning, investment portfolios, superannuation and mortgages

Portfolios

IMPORTANT INFORMATION

Please note that these portfolios reflect recommendations as provided by Lonsec Research, as they are not specific to your personal situation and requirements, you should seek personal professional advice and not rely upon these portfolios for your personal circumstances.

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Secure 100% Income. Focuses entirely on investments with little risk of capital loss over a short time frame. As such the return will be low and consistent compared with the other risk options offered. The portfolio is restricted in its ability to reduce taxable income or the tax effectiveness of that income. It is not an appropriate investment option for medium to long-term investors seeking capital growth.

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Defensive 80% Income, 20% Growth. This is an income portfolio that has a small exposure to capital growth assets. The main emphasis is on generating income, with some capital risk in order to achieve overall portfolio growth. It will have a low fluctuation in short term value, with some small short-term capital risk. The income generated by the fund will have a small tax benefit from some share dividend franking credits. It is suited to an investor who either seeks a high level of income or has a short investment time frame.

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Conservative 60% Income, 40% Growth. For investors who are seeking an income stream with some capital growth attached. It has a high exposure to fixed interest, but also includes exposure to share and property markets. It is suited to a medium term investor who is seeking capital stability, but who also wants to protect their assets from inflation. Some tax relief on income is available from franking credits. The fluctuation of price is moderate to low over the short to medium term.

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Balanced 40% Income, 60% Growth. Using a slightly higher exposure to growth assets than income assets, this portfolio will have lower short-term fluctuations in value than the other growth based investment portfolios. Its aim is to produce capital growth in a medium to long-term time frame. It has a "balanced" exposure to shares: property and fixed interest assets, while the income generated by the portfolio will be partially tax effective.

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Growth 20% Income, 80% Growth. A small income exposure slightly reduces the short-term fluctuations of the Growth portfolio. It is best suited to a long-term investor who can accept some investment risk over the long term. The income stream will be tax effective and it will have a high exposure to share and property to provide long-term investment growth.

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High Growth 100% Growth. A totally share and property based portfolio with no fixed interest exposure. It has a strong emphasis on maximising capital growth over the long term. The aim is to produce a minimal, tax effective income. Investors can expect high short-term fluctuations in values and higher chance of capital loss. However, they are prepared to accept this as a trade off in achieving their long-term investment objective.

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