Charter - Which Investment is Best for You?

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Which Investment is Best for You?

There’s no single answer to this question - it all depends upon your individual needs and circumstances.

Whilst there is a broad range of investments available, (within the scope of products/platforms that our planners can recommend) selecting the best option can be difficult.

Your choice of investments should be consistent with:

your short, medium and long term goals;
your current financial position; and
the level of investment risk you’re prepared to accept.

You’ll also need to consider:

security - how secure will your money be?;
liquidity - how readily accessible will your money be?;
estimated returns - what results can you expect?;
resistance to inflation - will your investment grow at a faster rate than inflation?;
impact of tax - what percentage will the “taxman” get?;
social security implications - how will it affect your eligibility?; and
investment horizon – for how many years are you planning to invest?

Your choice of investments should be guided by a strategic financial plan, not by instinct or rumours of “an outstanding investment opportunity”.

Investing without a strategy has been likened to building a house without an architect’s plans. At best, the end result will be unsatisfactory; at worst it will be worthless.

That’s why it’s imperative to seek professional advice. A financial planner can help you design an investment portfolio (a collection of investments) to suit your needs.

Charter Financial Planning Limited ABN 35 002 976 294 AFS License No. 234665
Registered Office: AXA Australia Centre, 750 Collins Street, Melbourne, Vic 3008
As at 30th March 2011, AXA Asia Pacific Holdings Limited and all of its Australian and
New Zealand subsidiaries ceased to be members of the Global AXA Group and became members of the AMP Group.