Investment Planning

By Handre Vlok – Principal Financial Planner at Altum Independent Financial Advice

Altum Independent Financial Advice helps clients structure investment strategies that are practical, diversified and aligned with their long-term objectives

What We Focus On

• Portfolio construction
• Asset allocation strategies
• Diversification considerations
• Risk assessment
• Long-term investment planning
• Tax-aware investment structures
• Retirement investment strategies
• Portfolio reviews

We explain investment concepts in practical terms so Canberra and ACT clients can better understand how investment strategies align with their broader financial objectives.

Additional Considerations

Investment strategies should consider:

• market volatility,
• investment timeframes,
• taxation implications,
• liquidity requirements,
• and retirement objectives.

All investments involve risk, including the potential loss of capital.

Book a 20-minute introductory call to discuss your financial goals, ask initial questions and consider whether financial advice may assist.

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Frequently Asked Questions

What is diversification?

Diversification generally involves spreading investments across different asset classes, sectors, and geographic regions to help manage investment risk.

Why is asset allocation important?

Asset allocation is often one of the primary drivers of long-term investment outcomes and risk exposure.

Should investments be held through superannuation?

Superannuation may provide taxation advantages for long-term investing in some circumstances depending on personal objectives and legislative rules.

Useful Resources

MoneySmart – How to invest
Australian Securities & Investments Commission (ASIC)
Australian Taxation Office – Investments & Assets
Reserve Bank of Australia

General Advice Warning

The information on this page is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstances before acting on it, and seek personal financial advice where appropriate. Taxation, superannuation, investment, insurance and estate planning considerations can be complex and subject to change. Where tax, legal or other specialist advice is required, you should seek advice from an appropriately qualified professional.