Achieving strategic investment objectives is a process
When investors set out to either –
- provide for their future financial independence, or
- to achieve some more specific financial objective,
they embark on a journey.
Achieving strategic investment objectives then, becomes both a process – and a discipline. This journey starts out with some detailed analysis of present circumstances, then –
- takes into account available resources;
- sets a timeframe;
- sets investment risk parameters to be respected; and
- requires them to ‘hold their nerve’ when market volatility upsets the progress toward the ultimate goal.
Are We There Yet?
With touring holidays still popular in Australia this is a familiar call from the less patient passengers when on board.
As investors look at the performance of their portfolios over time, they might well ask the same question. At least they should question whether adequate progress is being made. The fact is that the investment environment involves –
- cycles,
- trends – and
- ‘events’,
none of which can be ignored (and each of which need understanding). Achieving strategic investment objectives is not a ‘set and forget’ action.
Calling back to the touring analogy, just as on our journey –
- we travel lengthy highways,
- climb steep ranges,
- traverse lengthy plains and bridges – and
- occasionally strike speed zones
before we finally arrive at the planned destination; the investment journey will encounter –
- economic and market events
- including business cycles, financial trends and geopolitical events
that need to be negotiated as we progress towards the ultimate goal.
Where is ‘there’ for you?
Some investors (particularly those who entered ‘the market’ close to the tipping point leading into the GFC) pined to see their portfolio return to the late-2007 levels. They had to allow of course, for any withdrawals they made following that event. Some will have been satisfied with a ‘better than bank interest’ performance. Others sought complete comfort and peace of mind that their ‘nest egg’ (existing or accumulating) would become adequate to fund the lifestyle they would like to enjoy in retirement.
Achieving strategic investment objectives will be a different journey for each of these investor categories, but each requires disciplined attention to the process.
Each of these objectives is legitimate and real for the individual involved. Whatever your financial situation, your family (and/ or business) structure – or your age, gender or other personal circumstance – the ultimate goal for many is financial independence for themselves and the loved ones dependant on them. To achieve that financial independence will include dealing with:
- wealth accumulation;
- wealth protection;
- life event risk management;
- estate planning (and other succession planning); and
- retirement planning (and aged care planning).
Guidance to achieving strategic investment objectives for you
At Continuum Financial Planners Pty Ltd we work to the mantra that –
- “we listen, we understand, we have solutions – and we care!” – and
- all of this is focused on YOU (our client).
We have many years of experience as financial planners. Your financial needs, goals and objectives are our highest priority, undertaken through personalised, professional wealth management advice – and service.
To arrange a meeting with one of our experienced advisers –
phone our office on 07-34213456, or
at your convenience, use the linked Book A Meeting facility.
(This article was first posted by us in April 2011. It has occasionally been refreshed/ updated, most recently in February 2025.)
