Should I be investing more – or withdrawing?
This was a regularly-raised question during the early aftermath from the GFC. It remains an important question, answer to which is of continuing relevance. That answer is be found in the context of an investment strategy review with your financial advisor. The review process is particularly important when a significant change to your portfolio will result. We suggest that investors undertake the investment strategy review at least on an annual basis.
The most important consideration in seeking the answer to the question is whether or not you are working to a carefully, and personally-customised investment strategy. This is equally important in respect of investments inside or external to, your superannuation account. Note that there are many ‘set and forget’ superannuation funds in the superannuation market. Whilst these funds default invest to an asset allocation based on the ages of the members, many also provide for personalised investment strategies to apply. Advisors at Continuum Financial Planners Pty Ltd (ContinuumFP), recommend that superannuation account asset allocation be part of regular investment strategy reviews.
What is an Investment Strategy?
In the formulation of an investment strategy, your financial adviser (particularly at ContinuumFP) will have taken into account some key issues, including your:-
- investment timeframes?
- investor risk profile?
- investment asset preferences?
- investment goals and objectives?
…and based on these considerations, will have carefully researched available ‘products’ with which to construct your portfolio. The investment timeframe; and the risk profile you assess as having are of particular relevance – when considering withdrawal of investment capital, are important considerations. Whilst they can be variable over time, reflecting your personal circumstances and investment experiences as you move towards the set goal time, the timing of changes made can have a significant impact on the success of your strategy.
Investment Strategy reviews add value
Similarly, timing entry to any market in investment assets is difficult to ‘get right’, but any market correction (or pull-back) provides opportunity for long-term investors to enter the market on a ‘dollar-cost averaging’ basis: that is, invest a predetermined sum, over several tranches at regular time intervals – implementing their personal investment strategy.
Continuum Financial Planners is a ‘fee for service‘ practice: our experienced wealth management advisers work to the mantra:
‘we listen, we understand; and we have solutions’
that we deliver in
personalised , professional wealth management advice
To make an appointment to see how you might be able to benefit from our valued services and experience –
- phone our office on 07-34213456, or
- at your convenience, use the linked Book A Meeting facility.
(This article was originally posted by us in September 2008. We occasioonally update/ refresh it, most recently in June 2025.)
