Manage Your Assets

Addressing the complexities of wealth in today's markets requires professional guidance, a disciplined process, and access to an extensive set of product and service solutions. Your Retirewell financial adviser can provide direction in implementing not only traditional investment solutions, but also more sophisticated investment alternatives – both now and as your life and objectives change over time.

Professional Investment Advice

Retirewell offers professional investment advice that utilises advanced asset allocation techniques and carefully selected fund managers across the Australian and international equity, property/infrastructure, cash/fixed interest and alternative asset sectors (including absolute return, private equity and hedge funds). Our extensive research and resources and our disciplined, four-step consulting process provide you with an institutional-quality portfolio specifically designed to help achieve your long-term financial goals.

Managed Funds vs Direct Investments

Investment Strategy

We believe there is great potential in today’s wide range of investment alternatives – and we recognise a corresponding increase in complexity as well. That’s why Retirewell provides institutional-quality portfolio options for individual investors; we believe that individuals who invest in today’s dynamic marketplace deserve a disciplined, systematic strategy to manage risk and return.

We use an institutional approach to building portfolios for individuals. You gain access to carefully selected institutional fund managers and a process designed to help you to more systematically diversify your holdings.

We help you select a portfolio that closely matches both your financial objectives and your level of risk tolerance. Then we systematically monitor risk and return on an ongoing basis.

Our four-step process

Step 1

We lay the groundwork by setting your return objectives and assessing your tolerance for risk. In step one, we use forward-looking risk and return assumptions based on economic data and indicators. These forward-looking capital markets assumptions make it possible to move beyond simply using historical data, which has been shown to encourage trend-chasing behavior in even the most sophisticated investor.

Step 2

Asset allocation choices are constructed. This step is important because every investor has a unique risk comfort level, and we have developed portfolios that target a broad range of risk levels. The forward-looking capital markets assumptions are part of a process that seeks to maximise the return potential at each level of risk.

These portfolios provide you with diversification that is intended to reduce the overall volatility of your portfolio, allowing you to stay on track in attaining your goals.

Step 3

Managers are selected and portfolios designed and implemented. Selecting a manager requires confidence that the manager can add value, and Retirewell evaluates manager skill separately from the effects of the market overall.

We do more than simply examine a manager’s total returns; we isolate their efforts from the effects of the market seeking to see if risk-adjusted value is being added. Portfolio construction involves filling in the asset allocation with the appropriate managers.

We treat portfolio construction as a distinct piece of the process. We seek to combine fund managers with low correlations to each other to optimise the diversification, minimise the volatility and enhance the performance of your portfolio.

Step 4

We pro-actively and continuously monitor each element of your program. We believe that monitoring your situation through periodic reviews is critical, and Retirewell observes and updates the capital markets assumptions in an attempt to provide efficient asset allocations.

We continually monitor all managers we use in an attempt to pro-actively identify whether there are any changes to their situations or investment processes that could impact performance. We also search for and evaluate potential managers who meet our strict requirements for inclusion. You can be confident that you have access to a broad range of investment alternatives.

Six Simple Strategies

Retirement Planning

Every day, Retirewell delivers solutions for people who want to enjoy a comfortable retirement. Because every single investor is different – with different goals, different expectations and different attitudes toward risk – we’ve found that the best approach to retirement planning is one that’s precisely tailored.

This approach holds real power, because it helps your Retirewell adviser suggest financial solutions that can make a difference for years to come. Your adviser is with you every step of the way with the kind of clarity and caring expertise that makes planning a pleasure.

Long-term income strategies

Your retirement years could last just as long as the career you left behind. That means long-term income strategies must become a serious topic of conversation. Look to Retirewell for advice on income streams that deliver real value.

For pre-retirees 56 or older, a transition to retirement pension is recommended and then after retirement an account-based superannuation pension can provide the flexibility you need when your life changes.

Superannuation and Self-Managed Funds

Ongoing Asset Care Service

In today’s complex marketplace, even sophisticated investors find it difficult to stay current, to monitor their investments, and to respond to rapidly changing conditions. For investors who’d like to free themselves from the need to continually monitor asset allocation and portfolios, Retirewell provides access to professional advisers whose skills at risk profiling, asset allocation, investment strategy and fund selection can help you navigate in a continually-changing environment.

Look to us for asset management services that are

  • Customised to meet the needs of you and your family
  • Fee-based in such a way that your adviser has a vested interest in your success
  • Strategic to reflect the dynamic nature of the market - and your life.

For individuals who seek a disciplined, systematic strategy to manage risk and return, active management has never been easier.

We pro-actively and continually monitor each element of your portfolio. We scrutinise every manager in an effort to pro-actively identify issues that could impact performance. We search for new fund managers which meet our strict requirements. You can be confident that you have access to a broad range of investment alternatives and that your portfolio is being managed in a manner that’s customised, comprehensive and ongoing. All this frees you from the day-to-day monitoring of your investments.

We believe there is great potential in today’s wide range of investment alternatives – and we recognise a corresponding increase in complexity as well. That’s why Retirewell is dedicated to providing institutional-quality portfolio options for individual investors; we believe that individual investors deserve a disciplined, systematic strategy to manage risk and return.

Through our ongoing Asset Care Service, you’ll gain access to carefully selected fund managers and a process designed to help you to more systematically diversify your holdings. We help you select a portfolio that closely matches both your financial objectives and your level of risk tolerance. Then we systematically monitor risk and return on an ongoing basis.

The Need for Ongoing Advice

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General Advice Warning

The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Retirewell Financial Planning nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.