Investment Philosophy

Investment Philosophy

Investment Philosophy

Profusion Planning’s investment philosophy is to ensure the portfolios constructed for our clients are closely aligned to the objectives of the individual. While this sounds simple, it is quite different to how portfolios have traditionally been designed within the financial services industry. This is because, most superannuation and investment providers, offer investment options that are linked to a risk category (ie. Defensive through to High Growth). This method is based on a split between defensive and growth assets, however has no real connection to the goals an individual has, nor the time at which they might need funds. It is for this reason that Profusion Planning uses an Outcome-based Investment approach.

This means instead of using a ‘one-size fits all’ risk-based approach, we use a ‘goal-based’ approach where the allocation to our outcome orientated portfolios are actively matched through time to best meet our client’s individual objectives. Importantly, this isn’t something that is set at the start and left to its own devices, rather your adviser will work with you each year to adjust your strategy as your circumstances change. A goal-based portfolio will typically contain the following structure:

Short-term

This pot is designed to deliver a return of 2% above CPI. The best way to think about the objective of this part of your portfolio is that the investments are mainly focused on avoiding loss than chasing return.

Medium-term

This part of your portfolio, has more of a focus on medium term growth. For this reason, it has a greater allocation to growth assets and targets a return of 3.5% above CPI.

Long-term

For many people, it is crucial to reduce the risk of outliving their savings (Longevity risk). The Long-Term portfolio objective is to provide capital growth so that it can  ‘top-up’ the other pots over time.

Personalised Approach

Our team is friendly, enthusiastic and is always striving to deliver exceptional outcomes. Our experienced advisers are committed to ensuring you are properly understood and are all about giving you added confidence by having a specific plan to follow – managing finances shouldn’t be stressful!

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Investment Philosophy

Profusion Planning’s investment philosophy is to ensure the portfolios constructed for our clients are closely aligned to the objectives of the individual. While this sounds simple, it is quite different to how portfolios have traditionally been designed within the financial services industry. This is because, most superannuation and investment providers, offer investment options that are linked to a risk category (ie. Defensive through to High Growth). This method is based on a split between defensive and growth assets, however has no real connection to the goals an individual has, nor the time at which they might need funds. It is for this reason that Profusion Planning uses an Outcome-based Investment approach.

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Goal Based Advice

Ever since Profusion Planning was founded by Stephen and Brad in 2009, the core premise of our advice has been linked to the goals of our clients. This is reflected in our process that has been custom built to ensure we capture everything that is important to you

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Family & Estate Planning

Estate planning is the process of working out how best to look after your affairs both when you are alive and when you pass away. Having a detailed estate plan is important because it helps to ensure people you trust look after you in the event you lose capacity to make decisions for yourself and will also provide clarity about distribution of your assets, care of your dependents, control of your home and business as well as help minimise risks such as those who might challenge your estate.

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Get In Touch

Make the first step and contact us today for a confidential chat about your financial situation

Address: 333 Pier Street, Perth WA 6000

Postal Address: PO Box 8445 Perth BC WA 6849

Phone: (08) 9316 3050

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