Financial Advice and Wealth Management

Investment Tax Structure

Understand the different tax rates

Investment Portfolio Management

Our investment philosophy

Investment Tax Structure

Understand the different tax rates in investment can make a lifetime difference to your retirement savings

In Australia, our tax rates (including Medicare levy) can be summarised into five categories as follows:

Investment Portfolio Management

We seek to invest in quality companies or funds at a reasonable price whilst maintaining focus on firms that are most adaptive to the ever-changing business and technological environment

We believe and invest in firms that are able to exploit their competitive advantages in which their goods and services earn a sustainable income over the capital they have invested.

Throughout the years, we learned from our mistakes and will steer away from value-trap companies and focus on real fundamental value, strong balance sheets with sustainable earning growth that sell at a reasonable price. We strive to take advantage of macroeconomic events to accumulate additional investments on a risk adjusted basis.

We are focused on using a concentrated approach rather than overly diversifying our direct exposures. We believe an appropriate structured portfolio of 15 to 25 investments can provide sufficient diversification. However, some diversification of asset classes and securities is important to minimise non-systematic risk in portfolios. As such, we employ actively managed funds to gain exposures to a broader range of domestic equities as well as international equities.

Asset allocation is perhaps the most recognised method amongst the financial and broader community. Asset class returns can vary significantly, and having a well-diversified portfolio, not putting your eggs in one basket, can reduce non-systematic risk and provide you with ‘smoother journey’.

For more information, please contact one of our dedicated advisers at info@rwadvisors.com.au