Assets can be broadly categorised into Income Assets or Growth Assets.
Income Assets are defensive in nature, with minimal risk to capital and returns are generated by the asset producing an Income for the investor. Income Assets include:
Cash - money market funds
Fixed Interest – Bonds and Debt instruments: investment-grade or junk (high-yield); government or corporate; short-term, intermediate, long-term; domestic, foreign, emerging markets
Growth Assets have the potential for greater returns, however, generally carry a greater level of volatility as your capital can move up and down in value. Returns can be generated by the value of the investment growing and producing an income such as dividends.
Property - Direct and Listed
Equities - large-cap versus small–cap, public equities v private equities, foreign, emerging markets
Alternative Assets – including but not limited to:
- Foreign currency
- Natural resources: oil, coal, cotton, wheat
- Precious metals
In all of the asset classes, you can access these investments either directly or through managed investments.
When dealing with a GTG Capital Partners, you will work with your adviser to determine the appropriate mix of the asset classes.
Factors that determine your investment risk profile include:
Investment Goals and Objectives
Age and Income
Your primary investment goal is capital protection. You require stable growth and/or a high level of income, and access to your investment within 3 years.
Your primary investment goal is capital protection. Investors in this risk profile require fairly stable growth and/or a moderate level of income. Your investment term is 3 years or more.
Your primary investment goal is capital growth. You can tolerate some fluctuations in the value of your investment in the anticipation of a higher return. You don't require an income and you are prepared to invest for 5 years or more.
Your primary investment goal is capital growth. Investors in this risk profile can tolerate a fair level of fluctuations in the value of your investment in anticipation of possible higher returns. You don't require an income and you are prepared to invest for 5 to 10 years.
Your primary investment goal is long-term capital growth. You can tolerate substantial fluctuations in the value of your investment in the short-term in anticipation of the highest possible return over a period of 10 years or more.
GTG Capital Partners Investment Approach
GTG Capital Partners has an investment review panel that meets regularly to review investments that are recommended to our clients.
The panel is put into place to ensure that the appropriate due diligence is performed on any investment that is recommended, ensuring that our clients’ interests are placed first.
To talk to a GTG Capital Partners Financial Adviser about your investments, please contact us here