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Determine your investment objectives
Investment Financial Advisor
Our Services
Investment Financial Advisor
Investing is the process of allocating funds now to provide you with a future benefit in the form of income or growth. Seeking expert investment financial advice from a financial advisor is the first step to success in creating wealth.
At Progressive Financial Solutions, our investment financial advisors believe in the powerfulness of compounding returns and long-term wealth effects of a
successful investment plan.
We start by helping you articulate your investment goals and preferences and run you through a risk assessment to understand your tolerance to risk. We present you with an investment strategy and asset allocation suited to your financial situation. The investment plan is implemented, empowering your financial future and providing you with financial freedom
Our Investment Advice Approach
When meeting with you, we will discuss our investment process. There are several steps an investment advisor will follow to build a portfolio that suits your financial goals and preferences. These steps are:
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Conduct a risk assessment and your tolerance to risk
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Develop an asset allocation based on your risk assessment
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Access investments either directly, through separately managed accounts or managed funds.
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Determine the structure for holding the investments.
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Access investments directly, via a managed fund or in combination.
Risk Profiling
A key driver of building our investment advice for you is your risk profile, which measures your attitude towards risk and tolerance for risk. Your risk profile will depend on how you feel about a range of different issues, such as your:
- Comfort and knowledge of investment markets.
- Preference for capital growth vs income.
- Level of concern when markets suffer a loss.
- Importance for your investments to keep pace with inflation.
- Investment time horizon.
Our Investment Philosophy
At Progressive Financial Solutions, we believe that over the short term, the drivers of equity and fixed income returns are liquidity, sentiment, technical factors and momentum. Over a 3+ year horizon, the equity market returns are driven by valuation and fixed income market returns are driven by economic performance and outlook.
Our aim is to achieve strong risk-adjusted returns throughout the market cycle. We set a strategic asset allocation based on long term return forecasts, and overlay this with tactical asset allocations based on current market positioning, the stage of the economic cycle, inflation expectations and currency valuation. The tactical asset allocation can remain in place for anywhere between 3 to 24 months.
We have an investment committee meeting every 3 months, where we have input from external fund managers, research houses and professionals in the industry to review the existing asset allocation, and consider any tactical changes appropriate.
Investment Advice Strategy Options
There is a suite of investment options available to be chosen based on your investment preference, objective and risk profile.
PFS Australian Direct Share Portfolio
The Australian Equities Portfolio is an actively managed portfolio which aims to outperform the ASX 200 Index over a 5 year period. The portfolio has an allocation to 12-20 Australian Companies. We use a valuation based approach to build a portfolio of our best ideas. The portfolio is built with added guidance from external research reports, which help us determine buying opportunities for selected stocks and selling prices for held shares.
PFS Direct Portfolio
The PFS Direct Portfolio is an actively managed portfolio consisting across your asset allocation. While the Australian Direct Portfolio will consist of the Australian Equities portion of the PFS Direct Portfolio, other asset classes (International and Emerging Market Equities, Property and Infrastructure and Fixed Interest) are invested in through Managed Accounts and ETFs. The aim of the portfolio is to generate alpha above the given benchmark for the investors asset allocation.
PFS SMA Portfolio
A managed account is a portfolio of assets managed by a professional investment firm. The professional investment firm invests in various investment options, including direct shares, exchange-traded funds, and managed funds in line with your risk profile. Investing in a managed account allows you to view underlying investment options within the fund (high level of transparency). A managed account provides you with beneficial ownership of underlying investment options and the ability not to inherit any embedded unrealised or realised capital gains.
PFS Managed Funds Portfolio
The PFS Managed Funds Portfolio provides a researched, low-cost, and quarterly reviewed portfolio. This is to ensure your investment needs are being met now and in the future. We invest across asset classes (Cash, Fixed Interest, Australian and International Shares and Property) to have funds invested in line with your risk profile. Investments in the PFS Managed Funds Model Portfolio have exposure to specialist sector managers and “passive or index managers” with an active tilt towards sectors and markets to add value over the medium to long term. We construct and review our PFS Model Portfolio based on our medium to long term economic and market outlook.
Structures for Holding Investments
There are various ways of owning investments. These can include in your name, in your spouse’s names, via a family trust, superannuation or private company. There are some issues to consider when determining the most appropriate structure to hold the investments. These include:
- Tax
- Fees and costs
- Liabilities and responsibilities
- Flexibility and complexity
- Estate Planning
We provide regular updates to clients on portfolio performance
We aim to take the financial stress off your plate. Therefore, we are proactive in providing our clients informed on the performance of their portfolio. As part of the advice and implementation of any financial strategy, we provide you with regular portfolio reviews and updates. This allows you to ask questions, request a review of the product in your plan, or meet us to get further advice or discuss a change in your circumstances.
Start Planning Today
Our initial consultations are complimentary, and in your first meeting with us, we gain an understanding of you, your personal and financial position and unique goals and objectives. We also encourage you to ask us questions, about our company and culture, to ensure we are the right financial partner for you.