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Investment Insights

What should investors discuss upfront with an adviser?

Kiwi Invest

Written by Kiwi Invest

Keeping you up-to-date with all the latest updates at Kiwi Invest.

Wednesday 28 August, 2019

Truly understanding your goals and objectives? That's smart.

Your investment journey should always start with a thorough conversation between you and an Authorised Financial Adviser.

You should feel you can trust them, and can have open and honest conversations, knowing they truly understand your situation, goals, and values – to determine a strategy that is tailored to you.

From this conversation, your adviser should return a ‘Statement of Advice’ (SOA) which summarises your discussion, and presents recommendations for your ongoing investment strategy.

It should provide a framework which will guide communication between you and your adviser – and define a clear path that is led by your goals, and expectations.

 

WHAT YOU SHOULD DISCUSS WITH YOUR ADVISER:

PURPOSE

Clearly define and understand why the funds are invested, on whose behalf, and what benefits they aim to create.

GOALS

What do you want to achieve and why? By when would you expect to achieve your goals?

RISK TOLERANCE

Understanding how much risk you’re prepared for, how much you can afford – and how much you need, to achieve your goals.

INVESTMENT STRATEGY

The strategy that will be followed, the principles that will guide all decisions, and how success will be measured.

BENCHMARKING

Defining clear measures, to be reviewed with your adviser annually, to ensure you remain on track – and identify when to deviate, if necessary.

VALUES

Establishing the critical guidelines that affect your strategy... and any Environmental or Social outcomes your investments should consider.

 

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