Our Investment Approach

Insight Private Wealth has a robust investment approach.
This includes:

• Assessing the quality of investments,
• Understanding risk in a portfolio,
• Minimising taxation implications,
• A focus on fees, and
• Comprehensively reviewing your circumstances with a view to achieving your financial aspirations.

Quality Investments

We understand that our clients trust us to make their financial well-being our priority. In constructing quality investment portfolios for our clients, we have developed a process that involves:

• Accessing research from a number of respected and reputable investment research houses and share broking rating agencies.
• Accessing other sources of information and published material, including forecast economic, investment and market conditions.
• Using an objective expert panel to review and analyse research and ratings. The expert panel applies its own filters, including directly researching investment being considered for inclusion in its recommendations. The panel questions conventional wisdom to determine suitability of investments in client’s portfolio.
• Strategic investment and asset allocation recommendations are provided to our Investment Committee for final consideration and approval.

The benefits of our investment process then flow through to individually tailored client portfolios, which may include a wide spectrum of investments, such as:

• Cash and fixed interest deposits
• Government bonds and debentures
• Property and infrastructure
• Australian shares
• International shares
• Emerging market and small company investments

Understanding Risk

Investors generally understand there is no such thing as “high returns” which are “nice and safe”. But many fail to understand their own tolerance to risks they are willing to take in their investment strategy. We call this the “sleep at night” test.

A cornerstone of our investment approach is to understand the various personal and investment risks clients may face, and not to expose clients to unnecessary risk.

“Personal risks” may include:

• You losing or changing your job
• Suffering ill health
• A change in family situation (e.g. your children call on you for help)

“Investment risks” may include:

• Global and economic environment
• Currency movements
• Political factors
• A change to tax law, superannuation rules or other legislation
• Inflation
• Market conditions
• Asset allocation / diversification

Our investment approach will help you to understand the risks you face. With this knowledge, you can then make decisions about your investment strategy and the risks you are willing to take, without being distracted by the media’s dramatisation of world and market events.

We believe that with our advice and a better understanding of risk, you will be able to more effectively manage your risk exposure in order to meet your personal goals and take steps to reduce unnecessary risks.

“It’s only when the tide’s out that you can tell who’s been swimming naked.” (Warren Buffet)

Taxation

Every $1 of tax saved is $1 less your investments needs to earn.

Our financial advice specialists are professionally qualified to be able to provide tailored strategic advice on how to legitimately reduce the impact of taxation on investment returns.

So, our focus is on after tax investment returns.

Fees

Fees are also a major consideration in developing and implementing client investment strategies.

Insight Private Wealth uses a range of direct shares, fixed interest and wholesale managed investments to help manage the cost of your investment portfolio.

Right from the outset, you will know about any investment associated fees, including our professional fee-for-service.

Comprehensive Reviews

Our financial advice specialists meet regularly with our clients to review their personal circumstances. This review includes a detailed analysis of their investment portfolio, their asset allocation, risk exposure, income needs, tax efficiency, estate planning position and other important items they wish to discuss.

We also measure our client’s progress against their personal goals and make recommendations for change, as needed.

We believe these meetings and our comprehensive review of your circumstances is an important element to help achieve your personal goals and aspirations.