Investment Planning & Advice

As the old Chinese proverb says, the best time to plant a tree was 20 years ago! And the second best time? Now!

Investing is just the same. Instead of being concerned about timing the market, focus on the time you spend in the market. With time on your side, over the long haul the compounding returns of a well-chosen investment will add up nicely.

When you invest in shares, you are buying a portion of a single company. The more shares you purchase, the more direct ownership you have in that business.

Investing in managed funds is different. Your money is pooled with other investors, and then invested into a specific fund which can invest in a range of asset classes, industries and/or companies.

What’s more, the fund’s manager provides knowledge and experience, and is responsible for the investment decisions. They determine when to buy and sell, and into what companies. When deciding which approach suits you, there will be a number of factors we will consider.

From our experience trying to time investing in the markets is a very difficult exercise. Generally people who do this lose more than those who simply invest and stay the course.

Our clients are often investing regularly, an approach which avoids the risks of timing and works on the approach of ‘dollar cost averaging’ and time in the market, not timing the market. As a long term investor this approach works very well – and the sooner you start, the sooner you get to your financial goals.

The ATO allows you to claim a deduction for the expenses you incur in earning income from an investment.

This means that if you borrow money from a lender for the purpose of investing, the interest cost on those borrowings can be considered to be an expense incurred in generating income – and therefore can potentially be claimed as a tax deduction.

You can save on tax, because the deductible expenses incurred reduce what your original tax payable would have otherwise been.

We’ve been doing this consistently well for over two decades. We take measures to ensure that investment risks are controlled and specific to our clients’ individual needs. 

The Nestworth Investment committee has over 70 years of collective investment experience, and a number of the members during their careers have contributed to investment committees collectively overseeing billions of dollars of assets on behalf of investors. We employ the services of one of Australia’s largest investment asset consultants to ensure we have the best research available to us. Our personal and business reputations rely on us continuing to get this right on your behalf!