All investments carry some level of risk, but risk can be managed — not eliminated.
Ways to manage risk include:
- Diversifying across asset classes
- Avoiding concentration in a single investment
- Aligning investments to your timeframe
- Maintaining appropriate defensive assets
- Reviewing and rebalancing regularly
Importantly, risk should be considered in the context of your goals. Being too conservative can also carry risk — particularly if inflation erodes long-term purchasing power.
A balanced strategy seeks to manage volatility while still supporting growth over time.
Other FAQs
Make sure you purchase from a reputable builder and take the time to research their previous projects. Do they use quality contractors? Do they deliver projects on time? Make a [...]
Many people hold life and TPD insurance automatically through their superannuation fund. While this can be convenient and cost-effective, the cover amounts are often based on default settings rather than [...]
Many people accumulate multiple super accounts throughout their working life, which can lead to duplicated fees and unnecessary complexity. Consolidating accounts may reduce fees and simplify management, but it’s important [...]
In most cases, no. Lenders generally offer the same interest rates whether you apply directly or through a broker. Our role is to help you compare options, negotiate where appropriate, [...]
Timeframes vary depending on the lender, the complexity of your situation and market conditions. As a general guide: Pre-approvals may take anywhere from a day to a couple of weeks. [...]
The earlier you begin retirement planning, the more options and flexibility you’re likely to have. Ideally, structured retirement planning should begin at least 5–10 years before you intend to retire. [...]
There isn’t a single number that suits everyone. The amount you need depends on your lifestyle expectations, housing situation, health, travel plans and whether you expect to receive any Age [...]
Yes. Eligible Self Managed Super Funds (SMSFs) can purchase qualifying commercial property, either outright using available fund assets or through a Limited Recourse Borrowing Arrangement (LRBA), subject to superannuation and [...]
Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.
One of the biggest advantages of buying off the plan is time. Unlike traditional property purchases with relatively short windows to round up the total finance, you will have at [...]
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 [...]
Suppose you’re a builder who has only been operating and working for yourself for a year or so — but you’ve been working in the industry since you started an [...]
The cost of advice depends on the complexity of your situation and the type of advice provided. All fees and any commissions (where applicable) will be clearly disclosed so you [...]
Most lenders offer flexible repayment options to suit your pay cycle. If you aim to make weekly or fortnightly repayments, instead of monthly, you will make more payments in a [...]
Each time you apply for pre-approval this is treated like any other application for credit and will be added to your credit history, regardless of whether you are approved or [...]
