Ask an Adviser

Category » Investment Portfolios

There were 7 articles found in this category:

• Q1 What is a managed fund?

  A managed fund (also referred to as an investment fund) pools your money with that of other investors. By doing so it enables you to take advantage of investment opportunities you might not otherwise be able to access as an individual investor. The money is managed by professional investment man ... Read more

• Q2 I’m planning to sell some of my shares – how do I work out how much Capital Gains Tax to pay?

  Capital Gains Tax is not a separate tax. The net capital gain on selling your shares gets added to your taxable income and tax is then calculated via your income tax return. The following steps will help you determine how to calculate your capital gain: Determine your capital proceeds i.e. the ... Read more

• Q3 What is diversification?

  Diversification refers the ability to help reduce risk by spreading your investments across a range of different investments within the same asset class and across different asset classes Diversifying across different investments simply refers to purchasing multiple investments within the same ... Read more

• Q4 What is a loan-to-value (LVR) ratio?

  A loan-to-value ratio (LVR) is an expression that compares the value of a portfolio with the level of debt that is associated with the portfolio. The LVR is measured by dividing the value of the debt by the value of the asset. For instance, if you have a $120,000 investment portfolio, and your ... Read more

• Q5 What are the different asset classes?

  There are 5 commonly available asset classes available to investors, including: cash, fixed interest, property, international shares and Australian shares. These are explained below: Cash – investments in cash are more than just money retained in your bank account. They can include inves ... Read more

• Q6 What’s the difference between growth assets and income assets?

  Growth assets are those assets which focus on delivering capital growth (such as shares and property), whereas income assets have a focus on delivering income (such as cash and fixed interest). Because growth assets bring with them the potential for higher returns, they are often more volatile ... Read more

• Q7 How can I sell my shares?

  There are number of ways to sell your shares depending on your personal circumstances. You could utilise the services of a full service stock broker who can provide advice on what shares to sell and/or buy. Alternatively, if you just wanted to sell your shares without receiving advice, you coul ... Read more