INVESTMENTS

Setting yourself up for an investment whether this is retirement funding, property, or savings, it all starts with having a great plan. An investment is an asset or item that is purchased with the hope that it will generate income or will appreciate in the future. Investing is an opportunity to take your hard earned money and grow it exponentially.

There are many different kinds of investment structures and these are categorised by their terms being short, medium or long. At Wright Financial Solutions we draw on our experience to assist you with investments such as KiwiSaver, Select Wealth Management, Wrap Accounts, Long-Term Superannuation, and Savings Plans. With any investment, you will have a financial goal or purpose for your investment. Our role as your authorised financial adviser is to assess your personal risk profile and your financial objectives. This works by producing a tailored investment portfolio that is designed increase your net wealth.

We start the investment discovery process to know and understand your financial  goals allowing us to research each of the many investment vehicles available in New Zealand and offshore. Providing you with professional advice on managing your financial affairs while unravelling the complexities of investments is what we do.

Our recommendations are based on:

  • Independently researched opportunities to increase your wealth
  • Meeting income or cash flow objectives with ready access to money when it is required.
  • Protecting capital with consistent, competitive returns.

The content of this website is for information purposes only. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service in the Financial Advisers Act 2008.

The following information is provided as a guide with which to provide general information on investment terms, types and structures. Wright Financial Solutions does not provide direct advice for share portfolios.

It is recommended you seek advice from your authorised financial adviser which takes into account your individual circumstances before you acquire an investment product. Full Adviser Disclosure Statement is available on request.

kiwisaverKiwiSaver:

KiwiSaver is an easy and affordable way to save for retirement. KiwiSaver is a voluntary based savings scheme set up by the NZ Government to help New Zealanders save for their retirement.

ADVICE

Only Authorised Financial Advisers (AFAs) can give independent personalised advice on KiwiSaver because it is a complex Category One investment product. To maximise the best results for your KiwiSaver that suits you, you need the right advice for the correct fund allocation and provider.

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Managed FundsManaged Funds:

The simplest way to think about managed funds is as equities and as a business in their own right. Take a lump sum capital and manage it for profit. You also have the option of drip feeding in small amounts over time so that you spread your risk over many businesses.

ADVICE

You should be comfortable with the level of risk associated with the investment you choose. Investments can go down as well as up. It is not good to invest in a particular fund only to lose sleep if its unit price should fall back or not rise as quickly as you had anticipated. Likewise, choosing a fund with a conservative focus might result in returns you find disappointing if your original investment purpose was more speculative or entrepreneurial.

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Long-Term Investments (Including Retirement Planning)Long-Term Investments (Including Retirement Planning):

A long-term investment is a return that may consist of capital gain and/or investment income, including dividends and interest. Financial portfolio's range from low-risk, low-return investments, such as high-grade government bonds, to those with higher risk and higher expected commensurate reward, such as emerging markets stock investments.

Risk and return are positively correlated in real terms this means the higher the risk associated with an investment the higher the expected return and vice versa.

ADVICE

Your financial future is one of the most important things you can plan for. Choosing the right retirement investment plan can be overwhelming and there is no room for mistakes.

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Investing During RetirementInvesting During Retirement:

If you are scheduled to receive a sizeable lump sum from superannuation or the sale of a business or farm, it is important to retain as much of your capital throughout your retirement. You should enjoy a long and fruitful retirement. Investing throughout your retirement can help ensure that you have the money to enjoy your retirement regardless of how long you are retired, which should also keep ahead of the effects of inflation.

ADVICE

Just because you are retired (or retiring) doesn’t mean that you shouldn’t invest your money. Investing while you are retired will help you to worry less about inflation as well as how many years you can afford to be retired for. Let Wright Financial show you the best options for you.

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Medium-Term Investments (36 Months to 5 Years)Medium-Term Investments (36 Months to 5 Years):

Medium term is an asset holding period or investment horizon that is intermediate in nature. The exact period of time that is considered medium term depends on the investor's personal preferences, as well as on the asset class under consideration.

Medium-term investments are ideally suited for those who have money to invest in the near future but are not looking to keep their money tied up for an extended period of time.

ADVICE

If you have in excess of $20,000 to invest, recommendation could be to diversify across investment vehicles, fund managers, and terms.

For larger funds, a full financial plan incorporating your risk profile offering a selection of local and international portfolio investment funds is recommend.

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Short-Term Investments (On-call to 24 Months)Short-Term Investments (On-call to 24 Months):

Short-term investments are any asset that is anticipated to expire within one to three years, has low risk, and offers low returns. This type of investment often described as a term deposit and/or on-call account is a standard offering of all NZ banks. We recommend researching providers including their financial rating of such facilities because there is opportunity for zero fees and a premium interest rate.

ADVICE

No matter how small or large your surplus funds are consider opting for a short-term investment to grow these funds until they are required.

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