Part 2: Planning your investments and retirement

A financial planner is effectively a long-term partner and strategist who works closely with you to ensure you reach your lifestyle goals. Our role in investment planning is to provide you with a financial plan that sets measurable financial goals and targets, which are designed to help you achieve your desired lifestyle. This task starts by working out how much you need to earn from your savings in order to fund your ideal lifestyle. Unlike the traditional approach to investing which starts at determining your risk profile, we believe that the starting point is first to determine your desired lifestyle. Your chosen lifestyle will determine the returns that you need from your investments, which in turn will drive asset allocation and the eventual risk profile of your investment portfolio.

We believe that investments should be driven by the client’s lifestyle goals and dreams. Once we understand your goals and dreams, we can determine the returns that you will need to achieve on your investments in order for you to live your desired lifestyle. This will determine the required asset allocation of your fund. This, in turn, will determine your investment risk profile. The diagram below depicts our approach perfectly.