You may be looking to grow the long-term value of your wealth to provide an income later in life, such as a retirement income stream from a self managed superannuation fund, or to pass your wealth on to future generations.

Balanced Portfolio

We can structure a portfolio for you that balances investment potential with an appropriate level of risk. Risk is commonly referred to in terms of standard deviation of a portfolio and is often paired together with a description of maximum historical drawdown. Historical drawdown being the reported maximum losses in short-term market downturns.

Growing the value of your portfolio, keeping ahead of inflation and managing the ups and downs of stock markets involves blending a range of investments from around the world.

Shares or Equities Form The Core

A core part of your portfolio will be shares or equities, including those paying dividend income, which can be reinvested for further growth. Australian investors investing in Australian equities can get the benefit of tax refunds called franking credits. However, an Australian investor investing overseas will only get credit for some of the tax paid depending on complex tax rules. We will also spread risk by including bonds and other investments such as commercial property.

Our Research

Our investment managers, supported by our research team, keep abreast of the latest research, news and data to ensure that our clients’ portfolios reflect both their bespoke needs and fluctuations in global investment markets.

Active and Passive Fund Managers

The alternative to an active fund manager is a passive fund manager. A passive fund manager is characterised by one that lets investments follow an index or a basket of selected stocks intending to have certain attributes.

When looking at your portfolio of investments always consider the following principal risks:-

Market Risk:

The value of the Fund’s assets will fluctuate as the stock or bond market fluctuates. The value of its investments may decline, sometimes rapidly and unpredictably, simply because of economic changes or other events that affect large portions of the market. It includes the risk that a particular style of investing, such as growth, may underperform the market generally.

Capitalization Risk:

Investments in small and mid capitalization companies may be more volatile than investments in large capitalization companies. Investments in small-capitalization companies may have additional risks because these companies have limited product lines, markets or financial resources.

Derivatives Risk:

Derivatives may be illiquid, difficult to price, and leveraged so that small changes may produce disproportionate losses for the Fund, and may be subject to counterparty risk to a greater degree than more traditional investments.

Focused Portfolio Risk:

Investments in a limited number of companies may have more risk because of changes in the value of a single security may have a more significant effect, either negative or positive, on the Fund’s net asset value, or NAV.

Management Risk:

if the fund is an actively managed fund, it is considered to be subject to management risk because it is an actively managed investment fund. The fund manager will apply its investment techniques and risk analyses in making investment decisions for the Fund, but there is no guarantee that its techniques will produce the intended results


  • Members of Chartered Accountants ANZ and Financial Advisors
  • 30+ years in financial services, commercial and public practice
  • Licensed for Taxation, Audit and Authorised to provide Financial Advice
  • Authorised to provide Personal Financial Advice with appropriate taxation advice and guidance
  • Extensive experience with large and small business, family trusts, partnerships, SMSF’s, deceased estates and business restructuring
  • Specialise in self-managed super funds and provide accounting & tax, financial advice and audit services
  • Asset Management and Investment Advice
  • Personal Risk Insurance

  • Deposit Products
  • Managed Investments including Unit Trusts, Investment Bonds, Direct Shares, Property Trusts, Growth Funds, Balanced Funds, Indexed Funds and Cash Management Accounts
  • Share Market Investments
  • Tax Effective Investments
  • Superannuation, including Allocated Pensions, Rollovers, Personal Superannuation, Company Superannuation and Self Managed Superannuation Funds
  • Retirement Planning including aged care and estate planning
  • Life Insurance Products, including Annuities, Term Insurance, Income Protection, Trauma and Total and Permanent Disability Insurance
  • Investment Bonds
Get In Touch

North Financial Planning for tax-effective investment strategies

Paying taxes is an important legal requirement but by investing tax efficiently you can aim to make the most of your available tax allowances and incentives. Speak to us how.
Get In Touch