INVESTMENT ADVICE &
WEALTH MANAGEMENT
Building wealth doesn’t happen by accident. Whether you’re just starting to invest or managing a substantial portfolio, the right investment advice helps you make better decisions, reduce unnecessary risk and keep your strategy on track, whatever the market is doing.
Good investment advice is about more than picking assets. It’s about understanding your goals, your timeframe and your tolerance for risk, then building a portfolio that’s structured to grow your wealth in a tax-effective way, with regular reviews to make sure it stays aligned as your life changes.
HOW AN INVESTMENT ADVISOR CAN HELP
A financial adviser cuts through the noise of an overwhelming number of investment options and helps you build a strategy that’s tailored to your specific goals, whether that’s wealth accumulation, generating income, funding retirement or building a legacy for your family.
At Viridian, we assess your current financial position, define your investment objectives and timeframe, and recommend an appropriate portfolio of investments to help you achieve your goals. We look at the most tax-effective ownership structures, advise on upfront and ongoing contributions, and conduct regular reviews of your diversification, risk tolerance and access needs, including how your superannuation holdings fit into your overall investment picture.
Our investment advice covers:
- Portfolio construction and asset allocation
- Shares, managed funds, ETFs and fixed income
- Direct property and property investment strategies
- Debt recycling and tax-effective investment structures
- Investment ownership structures across personal, trust and company
- Risk profiling and managing volatility
- ESG and ethical investment options
- Wealth accumulation strategies for high-income earners
- Regular portfolio reviews and rebalancing
- Tax planning and capital gains management
- Coordinating investments with your superannuation and retirement planning
- Estate planning and intergenerational wealth transfer
INVESTMENT ADVICE FAQS
How do I know what to invest in?
The right investments depend on your financial goals, how long you plan to invest, how much risk you’re comfortable with and your overall financial situation, including your income, debts, superannuation and tax position. There’s no universal answer, and what works well for one person may be entirely inappropriate for another. A financial adviser can help you clarify your goals, understand your risk tolerance and build a diversified portfolio that gives you the best chance of achieving your objectives without taking on more risk than necessary.
What is the difference between managed funds and ETFs?
Managed funds pool your money with other investors and are actively managed by a professional fund manager, who makes decisions about which assets to buy and sell. ETFs (Exchange Traded Funds) are typically passively managed, tracking a market index, and are traded on the ASX like shares. Both can play a role in a well-constructed portfolio and the right mix depends on your investment goals, time horizon and cost preferences. An investment adviser can help you understand the trade-offs and recommend an appropriate combination for your situation.
What is debt recycling and is it right for me?
Debt recycling is a strategy that involves converting non-deductible debt, such as a home loan, into tax-deductible investment debt over time. The goal is to accelerate wealth building by using investment returns and tax savings to pay down your mortgage faster, while simultaneously growing an investment portfolio. It can be a powerful strategy for the right person, but it involves risk and complexity and is not appropriate for everyone. A wealth adviser can model whether it suits your circumstances and explain the risks clearly before you consider implementing it.
How much should I be investing?
There’s no fixed amount. The right level of investment depends on your income, expenses, existing assets, financial goals and timeframe. What matters more than the dollar amount is having a consistent, structured approach that aligns with your overall financial plan. Many people invest what’s left over after expenses, when a better approach is to make investing a priority from the outset. An adviser can help you work out a sustainable contribution level that builds wealth over time without compromising your day-to-day cash flow.
How often should I review my investment portfolio?
At a minimum, your portfolio should be reviewed annually, and more frequently if there are significant changes in your personal circumstances, financial goals or market conditions. Over time, asset values shift and your portfolio can drift away from its intended allocation, meaning you may be taking on more or less risk than you intended. Regular reviews also ensure your investment strategy remains aligned with your broader financial plan, including superannuation, tax position and retirement timeline. At Viridian, we conduct regular reviews as part of our ongoing advice relationship.