Your investments have a specific job to do for you – to pay for the part of your retirement not covered by government or pension money, to pay for part of your kid’s education, to fund a year off travelling the world, to ditch the cubicle and the 9 to 5, or anything else you can dream of.
Diligent saving is the most important part of investing, but it can be sabotaged by high fees, poor behaviour, confusion, and unrealistic expectations.
You absolutely, no-exceptions-allowed must understand what you’re invested in, what it’s costing you, and what to expect from it. You can’t control the market, but you can control your behaviour, and knowing what your portfolio should be doing and why is the biggest step.
My role as an advice-only planner is not to tell you what mutual funds, ETFs, stocks, and bonds to buy or sell; rather, our work together is meant to make you into a better-informed consumer of investment products, to clarify the role that your portfolio must fill, and to give you a realistic idea of how it might perform for you if everything goes well – and if nothing does.
Important: I cannot tell you what mutual funds, ETFs, stocks, or bonds to buy or sell, but can give advice about your asset allocation, tax-efficiency, fees, savings & withdrawal rate, and behaviour.
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- A shortlist of investment managers that are available in your region, at a reasonable cost considering the size of your portfolio, and with a sound investing philosophy.
- A detailed breakdown of exactly what you’re invested in across all accounts, how much it’s costing you, how appropriate it is for the job it needs to do for you, and how likely it will be able to perform that job.
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- Presentation of your details to a selection of investment managers, evaluation of their proposals, presentation of a summary report comparing the different options, and conference call introduction with the candidates you choose to interview.
Ready to discuss your situation and how we can help?
At Spring, we have the training and experience to help a wide range of client types. We'd love to connect you with the right person from your very first meeting, and ask that you fill out a brief form to help us prepare for your call.
Please note that you are welcome to schedule a call without answering these questions, but that we've found that meetings tend to be more productive if we know a little about you before we start.