Bace Financial

Bace Financial Tailored Financial Planning advice & solutions for clients and their referring Accountants.

Follow market trends and history.Don't speculate that this particular time will be any different. For example, the key t...
14/10/2021

Follow market trends and history.

Don't speculate that this particular time will be any different. For example, the key to investing in a good stock or bond fund is its performance over the past five years.

A shareholder is an owner of shares in an investment fund or corporation.As equity owners, shareholders are subject to c...
12/10/2021

A shareholder is an owner of shares in an investment fund or corporation.

As equity owners, shareholders are subject to capital gains (or losses) and/or dividend payments as residual claimants on a firm's profits.

Shareholders also enjoy certain rights, such as voting at shareholder meetings to approve things like board of directors members, dividend distributions, or mergers.

Which investment strategy do you prefer?Growth: A growth strategy that follows a higher risk higher return approach tend...
11/10/2021

Which investment strategy do you prefer?

Growth: A growth strategy that follows a higher risk higher return approach tends to have a larger focus on assets that are exposed to capital appreciation.

Balanced: This strategy is aimed at balancing risk and return so your portfolio has enough risk to provide reasonable returns, but not enough to cause significant losses.

Conservative: A safe or conservative strategy follows a lower risk lower return approach so it’s really about preserving the value of your investment portfolio.

Ethical and sustainable: Sustainable investing goes beyond incorporating just ethical and social factors.

Everyone wants to maximise return and minimise risk.Who’d say no to a return of 20% per year with no chance of investmen...
07/10/2021

Everyone wants to maximise return and minimise risk.

Who’d say no to a return of 20% per year with no chance of investments falling in value?

But the reality is that these investments don’t exist. There’s a direct trade-off between risk and returns.
If you stick to low-risk assets like the money market and bonds, then you’ll run a high risk of low long-term returns.

Financial risk is often thought of in three ways:1. The probability of losing your initial investment. For example, ther...
06/10/2021

Financial risk is often thought of in three ways:

1. The probability of losing your initial investment. For example, there’s a risk that the company you invest in could be poorly managed, and you could lose your total investment. This scenario is highly unlikely to occur with investments in large companies, but it does happen occasionally (for example, HIH Insurance, Enron).

2. The probability of not receiving your expected growth return. For example, there’s a risk that the share price of the company you invest in could go down to $8, rather than up to $20 as expected.

3. The probability of not receiving your expected income return. For example, there’s a risk that the company you invest in may only pay a dividend of 15 cents, instead of the expected dividend of 40 cents.

How do you start?How much can you afford?What will your short-, medium- and long-term goals be?What will your savings mi...
04/10/2021

How do you start?
How much can you afford?
What will your short-, medium- and long-term goals be?
What will your savings milestones look like?

Your financial adviser can develop a plan that works for you and helps you meet the goals you set.

If you think investing is gambling, you're doing it wrong.Good investing requires planning and patience.Whether you’re i...
01/10/2021

If you think investing is gambling, you're doing it wrong.
Good investing requires planning and patience.

Whether you’re investing your funds for a long-term goal like retirement, or saving for that car you’re buying in two years’ time, your investment time frame should have a significant impact on your asset allocation decision.

A blue-chip share is a share in a well-established company with a record of stable earnings over a long period (normally...
28/09/2021

A blue-chip share is a share in a well-established company with a record of stable earnings over a long period (normally a market leader or among the top companies in its sector).

Blue chips are often seen as safe long-term investments because they’re so familiar to investors.

A great example of blue-chip stocks in the US are FAANG stocks – Facebook, Apple, Amazon, Netflix and Google.

𝐖𝐞 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐫𝐞𝐚𝐜𝐡 𝐲𝐨𝐮𝐫 𝐬𝐡𝐨𝐫𝐭-, 𝐦𝐞𝐝𝐢𝐮𝐦- 𝐚𝐧𝐝 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐠𝐨𝐚𝐥𝐬.We develop our strategies by learning about your c...
27/09/2021

𝐖𝐞 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐫𝐞𝐚𝐜𝐡 𝐲𝐨𝐮𝐫 𝐬𝐡𝐨𝐫𝐭-, 𝐦𝐞𝐝𝐢𝐮𝐦- 𝐚𝐧𝐝 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐠𝐨𝐚𝐥𝐬.

We develop our strategies by learning about your current financial position, your objectives, and your attitude to investment risk.

This helps us form the best match between you and your investment strategy.

Be modest in your spending.You’ll save enough to invest in the future, your retirement, and causes you care about. ...
24/09/2021

Be modest in your spending.

You’ll save enough to invest in the future, your retirement, and causes you care about.

So how do we come up with the asset allocation to get the best returns for different levels of risk?We have to calculate...
22/09/2021

So how do we come up with the asset allocation to get the best returns for different levels of risk?
We have to calculate the ‘efficient frontier’.
The efficient frontier is the combination of asset classes (that is, the asset allocations) that provide the best return for each level of risk.

Even on the efficient frontier, there are hundreds of asset allocations to choose from.

To make the selection process easier, we provide a small number of asset allocations at various points on the efficient frontier. These are known as ‘benchmark portfolios’.

We promise our clients two things:1. We respect your wishes, your privacy, and your right to sound advice.2. Our only ai...
20/09/2021

We promise our clients two things:
1. We respect your wishes, your privacy, and your right to sound advice.
2. Our only aim is to protect you, your investments, and your future.

It doesn’t matter what your financial goals are. We’re here to help evaluate your circumstances and move you closer to fulfilling your vision for the future.

Address

Suite 311, 49 Queens Road, Five Dock
Sydney, NSW
2046

Telephone

+611300938862

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