Whether you want to supplement your income to improve your lifestyle or save for retirement, it's important to begin planning your investment portfolio now.
What are your financial objectives?
Your financial goals can vary from saving for your children's education or retirement to investing for income.
Prioritising your financial goals and when you would like to achieve them will help your ANZ Investment Specialist to determine the strategy most suitable to reach your goals. As a general guide, goals can be classified as:
- short term - one to three year investment time horizon
- medium term - three to five year investment time horizon
- long term – five-year-plus investment time horizon.
Develop an investment plan
There are many choices when it comes to investing. However, with the help of an ANZ Investment Specialist, finding your way through the maze of investment options is a lot easier. Developing an investment plan can help provide a clear approach to investing, by setting out your financial goals and how you are going to achieve them.*
Once your investment plan has been prepared, it can be revisited periodically to help track your progress, as well as determine whether modifications may be needed.
By first examining your individual needs and objectives and assessing your risk profile, an ANZ Investment Specialist can provide the information and advice to help you determine the right investments and strategies to reach your goals.
* There are fees for preparing an investment plan which your ANZ Investment Specialist will fully discuss with you before commencing.
What type of investor are you?
Determining the type of investor you are, otherwise known as your investment risk profile, is important because it ascertains the suitability of certain investments and the best combination of asset classes in your investment portfolio.
Your investment risk profile relates to:
- how comfortable you are with different types of investment
- your tolerance of investment market fluctuations
- the probability that your investment returns may not meet expectations.
There are many things to consider when determining your investment risk profile, however with the help of an ANZ Investment Specialist, it can be much easier. Your ANZ Investment Specialist will ask you a series of questions, which will help determine your investment risk profile.
|Asset class||Income||Potential capital growth||Risk||Time horizon|
|Cash||Moderate||None||Low||Short: up to one year|
|Fixed interest||High||Low||Low-moderate||Short to moderate: up to three years|
|New Zealand shares||Moderate||High||High||Long: five years plus|
|International shares||Low||High||High||Long: five years plus|
|Property||Moderate||Moderate||Moderate||Long: five years plus|
|Alternative investments*||Low||High||High||Long: five years plus|
* For example, hedge funds, collectables/ precious metals and venture capital.
For more information or to arrange an appointment with an ANZ Investment Specialist:
A copy of the Bank's General Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge and any Investment Specialist Disclosure Statement is available from an ANZ Investment Specialist, free of charge.