Asset Allocation
Asset allocation strategy is a core element in our process of planning and goals achievement with clients. It enables you to realise sustainable long-term real growth in income and capital value within a sound risk management framework.
Use the tool below by clicking on our suite of asset allocation strategy pie charts to see which asset allocation strategy or combination of strategies may work best for you.
Interest Income
Investment Objective
This ultra-conservative asset allocation is designed for those who want to preserve capital and generate a constant and reliable income stream via regular interest distributions.
Overview
The wholesale Interest Income strategy invests in a diversified portfolio of bonds and other interest income securities. A combination of fixed and floating rate interest investments will be made and managed across various maturities.
Considerations
We recommend a minimum investment period of 2 years.
It is not expected that this strategy would have any years of negative returns over 20 years.
Please note
Investment return objectives are not intended to be a forecast. This strategy may not be successful in meeting its objectives. Returns are not guaranteed.
Conservative
Investment Objective
Designed for those with an appetite for stable income and little need for capital growth, this strategy is best suited for investors wanting to generate a steady stream of returns to fund living expenses.
Overview
With a target allocation of 70% to income asset classes and 30% to growth asset classes, this allocation strategy aims to better inflation with capital growth expected over a longer investment horizon.
Considerations
We recommend a minimum investment period of 2 years.
It is expected that this strategy would have 1 year of negative returns over
20 years.
Please note
Investment return objectives are not intended to be a forecast. This strategy may not be successful in meeting its objectives. Returns are not guaranteed.
Moderate
Investment Objective
Cameron Harrison’s Moderate asset allocation strategy is an option intended for investors seeking both income and capital growth. This strategy is best suited for investors who wish to generate sustainable, inflation-adjusted income.
Overview
The market and non-market risk weightings have a roughly 50/50 split over the cycle. This asset allocation is dynamically adjusted based on our 18-month forward assessment of balance of risks.
Considerations
We recommend a minimum investment period of 5 years.
It is expected that this strategy would have 3 years of negative returns out of every 20 years.
Please note
Investment return objectives are not intended to be a forecast. This strategy may not be successful in meeting its objectives. Returns are not guaranteed.
Balanced
Investment Objective
This allocation strategy is designed to generate a balance of income and capital growth above inflation. It is suited to investors who are willing to accept modest volatility in portfolio value to generate more capital growth.
Overview
The Balanced allocation extends the market risk weighting of our core Moderate offering by giving a slightly higher weighting of 60% to growth asset classes and a 40% weighting to income assets.
Considerations
We recommend a minimum investment period of 6 years.
It is expected that this strategy would have 3 years of negative returns out of every 20 years.
Please note
Investment return objectives are not intended to be a forecast. This strategy may not be successful in meeting its objectives. Returns are not guaranteed.
Growth
Investment Objective
The Growth strategy is suggested for those with a longer investment timeframe and an appetite for risk. It offers greater scope for capital growth to investors that are actively contributing to their portfolio and looking to grow their capital base.
Overview
This allocation differs significantly from its conservative counterparts. It has a 70% weighting to growth assets, meaning greater risk for greater rewards.
Considerations
We recommend a minimum investment period of 8 years.
It is expected that this strategy would have 4 years of negative returns out of every 20 years.
Please note
Investment return objectives are not intended to be a forecast. This strategy may not be successful in meeting its objectives. Returns are not guaranteed.
High Growth
Investment Objective
This allocation strategy is designed to produce significant capital growth through market risk exposure and accompanying income. It is best suited for investors who are comfortable with volatility and wish to be exposed to market risk assets to produce capital growth.
Overview
Our most aggressive multi-asset class offering, this allocation has high weightings to market risk assets and is offset dynamically against non-market risk asset classes as required.
Considerations
We recommend a minimum investment period of 10 years.
It is expected that this strategy would have 5 years of negative returns out of every 20 years.
Please note
Investment return objectives are not intended to be a forecast. This strategy may not be successful in meeting its objectives. Returns are not guaranteed.
Equities Only
Investment Objective
This allocation strategy is designed to produce returns in excess of the MSCI Index (AUD). It is best suited to investors who want exposure to our extensive equity selection framework which seeks to find superior, managed listed business.
Overview
This is a high-risk, high-return allocation split between Australian and Global equities, and as such, comes with 100% market risk. Portfolio managers adjust between Australian and Global weightings, as required. The US/UK split will reflect that of the other international splits.
Considerations
We recommend a minimum investment period of 10 years.
It is expected that this strategy would have 6 years of negative returns out of every 20 years.
Please note
Investment return objectives are not intended to be a forecast. This strategy may not be successful in meeting its objectives. Returns are not guaranteed.
