Investment Advice

Investing is the act of allocating resources, usually money, with the expectation of generating an income or profit. Risk and return go hand-in-hand in investing; low risk generally means low expected returns, while higher returns are usually accompanied by higher risk. The type of returns generated depends on the asset.

Investment Advice is the act of providing guidance or recommendations on a particular avenue of investing said resources. Advice should consider an investor’s Risk Tolerance and investment time horizon. Investors can take the DIY approach or employ the services of a professional investment adviser.

There is so much noise around investing and so many options it can be very confusing, but ultimately there are 3 areas where you can invest – Shares, Property & Cash.

Alman Partners delivers World-Class Investment Advice to our many clients. Our approach is Evidence-Based. We do not try and pick stocks or try to time the market. Rather our recommendations are based on Nobel-Prize winning academic research, not speculation or forecasts. This ensures your portfolio is optimised to capture market returns, giving you confidence that no matter what happens in the markets, the economy or the world you have a high probability of achieving your most important goals. We call this a ‘sleep at night portfolio.

• Develop a solid investment plan: after defining your financial goals, risk tolerance and investment time horizon, our Advisers will provide you with a world-class investment solution with broad diversification across asset classes.
• Keep track of your investments: reviews your portfolio regularly and make sure you’re on track, making adjustments as your needs change.
• Provide continual education: in meeting education and access to articles covering topics such as asset classes, diversification, risk and return, and market volatility.
• Act as a voice of reason in times of volatility.

As well as;

• Researching and benchmarking global investments, including asset classes and their underlying risk and return characteristics.
• Keeping up to date with legislation and tax implications.

What do you consider when providing Investment Advice?

When you first sign on with our firm, you will complete a Risk Tolerance Questionnaire, providing insight into how much risk you are willing to accept within your investments. Combined with our analysis of your current situation, we will recommend a model portfolio based on an appropriate asset allocation, broadly diversified across the asset classes. We are also extremely mindful to reduce the costs of products we might recommend and reduce taxes.

Can I invest with minimal funds?

Investing is not reserved for the wealthy, however, due to the costs involved with professional advice, it may not be suitable for all. You can invest minimal amounts via different vehicles, however. For those starting out on their investment journey, you could purchase low-priced stocks, deposit small amounts into an interest-bearing savings account, or save until you accumulate a target amount to invest into an investment platform such as our AP Direct Invest.

What is Active & Passive Investing and where does Alman Partners sit?

The goal of Active Investing is to “beat the index” by actively managing the investment portfolio and trading often. These investors/fund managers believe in market timing and security selection. Few fund managers beat the benchmarks consistently enough to justify the higher costs of active management.

Passive Investing, on the other hand, advocates a passive approach, and adopts a buy and hold strategy with the understanding that it is difficult to beat the market consistently. This can lead to a more cost-effective investment. Many believe in being able to time the market.

Many Financial Advisers and Stockbrokers believe that they cannot time markets but can however select the right stock.

Alman Partners takes another approach, taking the informative route that most academics and institutional investors take, believing neither in timing markets nor security selection, but rather relying on academic research and the belief that markets are efficient.