Investment portfolios should generally be reviewed at least annually, or whenever there is a significant change in your circumstances.
Regular review helps ensure:
- Your asset allocation remains aligned with your goals
- Your risk profile is still appropriate
- Your portfolio is rebalanced after market movements
- Tax considerations are managed effectively
Even if everything appears to be tracking well, consistent review ensures your strategy remains aligned with both market conditions and your evolving objectives.
Other FAQs
Yes. Self-employed borrowers often require more detailed income assessment, and lender policies can vary significantly in this area. We help identify lenders whose criteria align with your business structure and [...]
Banks can only offer their own products and policies. A broker provides access to multiple lenders, helping you compare options and structure a loan that aligns with your goals and [...]
SMSF commercial property loans may attract different interest rates and fees compared to standard residential lending. This is because SMSF lending involves specialised structures, additional compliance requirements, and a smaller [...]
Diversification means spreading investments across different asset types, industries and geographic regions rather than relying heavily on one area. The purpose of diversification is to reduce the impact of any [...]
You can spend less time saving for a deposit or even not need one at all, so you can get on the property ladder sooner You can borrow up to [...]
If you’re self-employed and want to apply for a home loan, you will need to provide evidence of your business’ financial position. In addition to the regular personal financial information [...]
There’s no “perfect” time — but common triggers include buying property, starting a family, changing jobs, receiving an inheritance, planning for retirement, or simply wanting greater clarity and confidence around [...]
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. [...]
We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.
During the school term, you’re busy planning classes and marking homework, so you typically don’t have time to search for a property, speak to a real estate agent or start [...]
Usually you are unable to access an offset account with a fixed home loan; however, there are a couple of lenders we have access to that do offer this feature.
This is one of the reasons some people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt [...]
This is one of the most common and important retirement questions. The longevity of your savings depends on several factors, including: How much income you draw each year Investment returns [...]
For most lenders a pre-approval is valid for 90 days, but it can often be extended by resupplying your income and expense information to your lender.
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 [...]
