Apiary Financial

About Apiary Financial

Life is busy and with so many competing demands and it can be hard to find the time to focus on your long-term lifestyle goals When it comes to something as important as managing and growing your wealth, it makes sense to speak to a licenced Financial Planner

With over $65 million in assets under management, we have the expertise and resources required to help you reach your financial goals Whether you’re just starting out or approaching retirement, our Financial Planning team will help you navigate through the financial planning process, understand your goals and objectives and provide you with a written plan designed to provide you with financial peace of mind

As your trusted financial adviser, we take the time to get to know you and understand your goals and objectives, to enable us to provide you with tailored, specific advice in relation to the types of investment products that can assist you in achieving your short and long term financial goals

We leverage off our relationship with Count Financial to obtain up-to-date, detailed research and information in relation to the financial markets, and the various types of investment products available including cash deposit accounts, wrap accounts, managed investment platforms, direct shares and geared investments Our approach is to design a diversified, quality investment portfolio that incorporates an appropriate mix of defensive and growth investments from the key asset classes, specifically designed to suit your investment profile and financial goals

Asset Classes and why they are important

Put simply, an asset class is a category of investment Understanding the different asset classes, their pros and cons, together with your risk profile will help us determine the types of investments which are best suited to your individual needs, goals and investment time frame Most investments fit into one of these four main asset classes: Defensive investments - The most common defensive investments are cash and fixed interest investments These investments aim to provide regular income and stable returns In return for decreased volatility, defensive investments don’t usually grow in capital value and returns are generally lower than growth investments over the medium to long term

Growth investments - The most common growth investments are shares and property Growth investments can provide income as well as an increase in capital value While returns may fluctuate over the short-term, growth investments have the potential to produce higher returns than defensive investments over the medium to long term

There are many types of investment vehicles to choose from, with managed funds one of the most popular choices in Australia

What is a managed fund?

A managed fund operates by pooling together the money of many individual investors This money is then invested by a professional fund manager in different asset classes (eg shares, property and bonds) in line with the fund’s stated investment strategy For some investors, managed funds provide the right amount of control without the time-consuming hands-on management required by direct investing

The type of investment choices you make with our help, will depend on your current circumstances and what you are trying to achieve To get you thinking about the key issues, here are some important questions to start with:

What is your investment time frame?
What are your financial objectives – do you want income, capital growth or both?
What is your tolerance to risk?
What types of asset classes do you want to invest in?
What role (if any) do managed funds play in your investment portfolio?
Should you reinvest your income or harvest earnings?
What about market volatility – will this affect your investment choices? To assist you further, we have set out below some information in relation to the types of investments that you may be interested in

The advantages of investing in managed funds include:

Access to a wide range of investments - access to a wide range of investments and strategies not otherwise available to single investors
Diversification - access to different fund managers, asset classes, companies and industries
You’re in the hands of professionals: investment professionals look after your investment and have access to information, research and ideas not always available to the general public
Regular investment plans: enabling you to regularly contribute to your savings and growing your wealth
You decide the investment style: you can choose whether you’d like your funds to deliver income or growth and have proven professionals working towards delivering that result
You can reinvest distributions: reinvest your investment earnings back into the investment enabling you to buy more units and take advantage of compounding without the need to outlay additional money

Depending on the investment strategy and how it’s been set up, a managed fund might earn money from a number of different sources The main sources of returns are: