Investment Planning

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Expert Unbiased Investment Planning Advice

At Progressive Financial Planning in Christchurch we advise how to invest your money in a way that provides you with a steady income while minimizing risk. You can use this income to live on or reinvest it to generate wealth and become financially free.

The key to successful investment planning is to structure your portfolio correctly. Our approach is three pronged:

• Some of your savings are always readily available in cash so you can quickly gain access to it at any time. For example, an on-call account at a bank.
• Some of your savings are invested in income producing assets such as fixed interest.
• Some of your savings are invested in a growth portfolio such as shares and property. The specific investment decisions depend how comfort you are with risk.

Earnings from the growth assets flow into your income investments, keeping that portion constant. The income stream from those assets flows into your on-call cash account – providing for your day-to-day living expenses.

Investment Tips

Whether you have a little or a lot of money to invest, at Progressive Financial Planning our forte is providing you with well researched investment recommendations that optimise the return on your investment funds taking into account your tolerance of risk. We will recommend a range of investments in line with your goals, and outline the implications of each one. All you have to do is make the choices!

Investment options generally include cash, fixed interest, property and shares. We proactively identify and review new investment opportunities to ensure those selected consistently out perform key market indices over time. We also consider the tax implications of investments, protection of your assets, and the possible advantages of personal, joint, or family trust ownership of the investment.

We provide advice about:

• Borrowing to invest
• Your risk profile
• Investment preferences
• Investment strategies to increase your wealth
• Choosing the right investment products
• Types of investment
• Monitoring your investment portfolio

You will also receive comprehensive financial reports about how your investment portfolio is performing over six months, 12 months, and since the investment commenced. Reports are detailed without being overburdened by technical jargon, and are easy to read and understand. Recommendations are often made about buying, selling, or altering the asset allocation to your advantage.

Additionally, all investment clients receive a consolidated tax report showing all relevant income from their portfolio, expenses and other tax details at the end of each financial year.

The investments are held in your name so at any time you can contact that particular fund manager or investment option to confirm your holding.

Contact us to arrange a free financial advice appointment

A free disclosure document is available on request.