Investment Planning

Investing your money wisely can provide you with:

• Capital growth
• A supplement income
• A regular income
• Financial security

Some key points to consider when investing are:

• How much money can you afford to lock away?
• How much return are you looking for?
• How soon do you require your return?
• What risks are you comfortable taking?

It is never too early or too late to start investing your money. Your investment strategy will depend on several factors such as your age, personal needs, circumstances, goals and the level of risk that you are prepared to take. This will determine whether your investment plan is "short term" or "long term". Long term investment periods are considered to be a minimum of two to three years; investments over a five to ten year period are not uncommon.

Short term investors tend to be more conservative with their investments or require easy access to their money. Cash deposits into banks, building societies or credit unions and fixed term deposits tend to be the most popular choices.

Some of the different short term investment options include:

• Cash
• Fixed term deposits
• Government bonds (fixed interest securities) considered very safe
• Corporate bonds (fixed interest securities) not as safe but yielding higher returns

Some of the different long term investment options include:

• Mortgage lending
• Shares
• Currency trading
• Property
• Managed funds

There are many varying factors which can play a vital part in the success or failure of your investment planning.

In recent times we have seen stock market volatility take a heavy toll on share prices effecting individual investors and large corporations alike; both locally and overseas.

Commodity prices and foreign exchange rates can move suddenly catching out unwary investors. Locally; employment rates, interest rates and inflation figures can all combine to have an effect on investor confidence.

Holt Partners have the credentials to provide you with accurate investment advice. We have an intimate knowledge of investing gained through many years of experience.

Let Holt Partners kick start your plans towards financial freedom and independence. We can help place you on the path towards success so that you can begin to enjoy the lifestyle that you desire.

Investing is a complex issue which requires accurate and highly specialised advice.