PORTFOLIOS DESIGNED AROUND YOUR FINANCIAL GOALS

Dynamic Asset has built investment portfolios structured to meet very specific investment goals across liquidity and risk-return criteria.

They are used to manage your investments, as either individual portfolios or blended to suit your unique investment goals.

Dynamic Asset investment portfolios are suitable for the management of individual investors, self-managed super-funds, family trusts, businesses and retail superannuation investors.

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Short-term
Mid-term
Long-term Wealth Protector-1
Long-term Wealth Builder
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Cash Plus Portfolio

The Cash Plus Portfolio is a cash flow/liquidity orientated portfolio constructed with the aim of providing for capital or liquidity requirements between 3 and 12 months.

It uses a range of more defensively orientated, short-dated investments that aim to provide cash ‘plus’ or Term Deposit levels of income with minimal volatility.

The goals of the Cash Plus Portfolio are:

  • Return Target - RBA ‘special’ term deposit rate
  • Risk Target - Volatility of less than 0.5%
  • Income / Growth - The objective is to generate income only and no growth.
  • Timeframe - This portfolio should be held for a minimum of 3 months

USES 

Investors often want to hold cash aside as a buffer for emergencies or to cover expenses they know are coming up shortly. They may want a slightly higher return than leaving the money in the bank without the inconvenience of rolling over Term Deposits or opening online savings accounts.

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Short-Term Portfolio

The Short-Term Portfolio is a cash flow/liquidity orientated portfolio which aims to provide for capital or liquidity requirements between 12 months and three years.

It uses a limited range of lower volatility assets that aim to provide a higher level of income relative to Cash-Plus with low levels of growth and minimal volatility.

The goals of the Short-Term Portfolio are:

  • Return Target – RBA Cash + 1% (net of fees)
  • Risk Target - Volatility of less than 3%
  • Income / Growth - The objective is to generate 80% of its return target through income and 20% through growth
  • Timeframe - This portfolio should be held for a minimum of 12 months

USES

The Short-Term Portfolio is generally used to provide for known cash flow needs and capital security over the next 1 to 3 years.

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Mid-term portfolio

The Mid-Term Portfolio is a cash flow/liquidity based portfolio which aims to provide for capital or liquidity requirements between 3 to 5 years.

It uses a broader mix of investments that aims to provide a moderate level of income and growth with low levels of volatility.

The goals of the Mid-Term Portfolio are:

  • Return Target – CPI + 3% (net of fees)
  • Risk Target - Volatility of less than 6%
  • Income / Growth - The objective is to generate 50% of its return target through income and 50% through growth
  • Timeframe - This portfolio should be held for a minimum of 3 years

USES

The Mid-Term Portfolio is generally used to provide for known cash flow needs and availability over the next 3 to 5 years.

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Portfolios 2

Long-Term Wealth Protector Portfolio

The Long-Term Wealth Protector Portfolio is a risk/return based portfolio that aims to protect the value of capital using a mix of predominantly defensive and alternative investments, although it may hold growth assets if deemed appropriate.

The aim is to provide a reasonable income stream with some capital growth and moderate levels of volatility.

The goals of the Long-Term Wealth Protector Portfolio are:

  • Return Target – CPI + 3.5% (net of fees)
  • Risk Target - Volatility of less than 6%
  • Income / Growth - The objective is to generate 60% of its return target through income and 40% through growth
  • Timeframe - This portfolio should be held for a minimum of 5 years

USES

The Long-Term Wealth Protector Portfolio is generally used to hold longer-term investments and limit exposure to risk.

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LONG-TERM WEALTH BUILDER PORTFOLIO

The Long-Term Wealth Builder Portfolio is a risk/return based portfolio that aims to build the value of capital using a mix of predominate growth and alternative investments. 

The aim is to provide mostly capital growth with some income and will experience higher levels of volatility relevant to other Dynamic Asset portfolios.

The goals of the Long-Term Wealth Builder Portfolio are:

  • Return Target – CPI + 6% (net of fees)
  • Risk Target - Volatility of less than 11%
  • Income / Growth - The objective is to generate 35% of its return target through income and 65% through growth
  • Timeframe - This portfolio should be held for a minimum of 7 years

USES

The Long-Term Wealth Builder portfolio is typically used by younger investors that have a long-term investment horizon, such as in their super, for investors that need higher returns to help meet their needs or for investors that want to borrow and invest in a portfolio that provides enough of a margin to justify the additional risk.

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HOW ADVISERS USE  DYNAMIC ASSET PORTFOLIOS TO MANAGE YOUR INVESTMENTS


Your financial advisor can use Dynamic Asset portfolios in a similar way that they typically choose a range of managed funds, shares or property to appropriately balance the risk and return of your investments.

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Advisors typically use a mix of Dynamic Asset portfolios with the specific aim of matching the investments to your particular circumstances and investment goals.

The main benefits of this approach for you is that:

  • Rather than talk about a whole shopping list of complicated investments, your adviser can focus more on understanding your individual needs and what you want from your investments. It could be based on a short-term income focus or a long-term growth focus for retirement. It doesn’t matter. The important thing is to develop an in-depth understanding of your needs so you can best match your investments to your goals. 
  • When your adviser uses the Dynamic Asset portfolios, the benefits of active goals-based investment management takes effect. Investment outcomes are aligned to your needs with the aim of increasing the probability that your goals will be achieved with relatively lower levels of risk.
  • Your goals will be more transparent and more precise. You will have greater clarity about why you are investing in certain assets. You can focus on tracking the trajectory of your investments towards your specific goals. It all adds up to peace of mind.
  • More satisfaction with less stress is what we all need.

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