Where should I choose to Invest?
LIFE-TIME can help you with your investment goals by using our extensive experience and research based recommendations, whatever your circumstances.
We are independent from all Investment Fund Managers in New Zealand so you can be sure that our advice is specific to you and not tied to ‘selling’ any products.
What mix of Investments should I have?
Where you invest your money depends on your personal circumstances, earnings target and your comfort level but it’s generally accepted that a mix of shares, deposits, bonds and assets is best practice to manage risk from any one type of investment.
All investments contain an element of risk: even low-yield bank deposits could potentially be lost, either in-part or as a whole. However, we rely upon our knowledge of banks previous financial results, credit ratings and mix of loan to deposit ratios to provide confidence that our money is in safe hands.
Your Savings Time Frame
Depending on your savings goals, aggressive investments might be suitable. If your goal is to invest for 20+ years then a more aggressive strategy could be an option for you.
In contrast, if your investment goal is short-term, perhaps 3 years, a more cautious strategy and approach may be more suitable to reduce the risk of impacting your initial investment.
With a LIFE-TIME consultation, your Financial Advisor can understand your investments goals and time-frames to discuss with you the options available.
Types of Investment Fund
Different Investments Funds are suitable for investors depending on risk tolerance and time-frame to investment goal. If you are looking to invest over a long period, growth options can be suitable but they are not recommended for short-term investors.
Understanding Your Investment Profile
Knowing where to invest your money depends on your time-frame and risk profile. We use the industry leading FinaMetrica Risk Profiling system to understand how you feel about investments and present. Combined with your savings time-frame, this helps your Financial Advisor recommend the most appropriate investment funds.
|Profile||Primary Purpose of Investment||Time Frame|
|Cautious||Income Stream||3 yrs or less|
|Conservative||Income Stream + moderate growth||3 yrs+|
|Defensive||Income Stream combined with growth||3-5 yrs|
|Balanced||Growth + moderate income stream||4-6 yrs+|
|Moderately Aggressive||Portfolio Favouring Growth||5-7 yrs+|
|Aggressive||100% Growth Focus||7 yrs+|
|Very Aggressive||100% Growth Focus + borrowings by fund manager for further growth||10yrs+|
Discuss your Investment Options
Call LIFE-TIME on 09 418 5000 to discuss your investment options with an Authorised Financial Adviser or contact us below and we’ll call you back. As always, our advice is supported by purchased independent research in addition to our decades of experience.