HNW Planning’s Model Portfolios are created by HNW Planning’s Investment Committee, based on their thoughts of an appropriate balance of investments for an identified risk budget. They consider value for money and diversification of investments. Where appropriate, your adviser may recommend a portfolio, or simply take inspiration from them. Model Portfolios can complement Guided Portfolios.
HNW Planning believes that investors can achieve suitable portfolio returns at a reasonable cost without “picking winners” through broad diversification linked to investing in both the Australian and global economy. Diversification and cost control are achieved using HNW Planning’s ‘Core first, opportunity second’ philosophy that is predominantly anchored in a core of exchange-traded funds (ETFs). When making investment decisions, your adviser will consider the impact of transaction costs on total returns.
Australian Equity
Our Australian Equity portfolio consists of 15-20 shares. This portfolio is tailored to clients aiming to grow their investments. The holdings are chosen to generate returns through a combination of capital appreciation and dividend income.
HNW Planning’s Investment Committee conducts regular reviews to assess the portfolio’s performance and make adjustments where required. This portfolio is well-suited to Self-Managed Superannuation Funds (SMSFs).
Defensive
The HNW 10-90 portfolio is designed to be a defensive component of investors’ total investment exposure. The portfolio uses exchange-traded funds (ETFs), listed investment companies (LICs), managed funds or directed investments to target a 10% exposure to growth assets and a 90% exposure to defensive assets by broadly diversifying across thousands of investments categories in Australia, the U.S., International Developed countries and Emerging Markets. The portfolio seeks to produce total returns of CPI + 1% p.a. over a rolling 5-year period, subject to a likelihood of no more than 1 negative return year, on average, every 10-years. Portfolio stability is provided by deploying widely diversified ETFs, thus minimising the potential short-term impact of any single company, asset class, or country.
This portfolio is available through a Managed Discretionary Account service if, and when, appropriate.
Conservative
The HNW 40-60 portfolio uses exchange-traded funds (ETFs), listed investment companies (LICs), managed funds or directed investments to target a 40% to exposure to growth assets with 60% exposure to defensive assets by broadly diversifying across thousands of investment categories in Australia, the U.S., International Developed countries and Emerging Markets. The portfolio seeks to produce total returns of between CPI+ 2% and +3% p.a. over a rolling 5-year period, subject to a likelihood of no more than 1 negative return year, on average, every 10-years. Portfolio stability is provided by deploying widely diversified ETFs, thus minimising the potential short-term impact of any single company, asset class, or country.
Balanced
The HNW 60-40 portfolio uses exchange-traded funds (ETFs), listed investment companies (LICs), managed funds or directed investments to target a 60% exposure to growth assets with 40% to defensive assets by broadly diversifying across thousands of investment categories in Australia, the U.S., International Developed countries and Emerging Markets. The portfolio seeks to produce total returns of between CPI+3% and +4% p.a. over a rolling 5-year period, subject to a likelihood of no more than 1 negative return year, on average, every 7-years. Portfolio stability is provided by deploying widely diversified ETFs, thus minimising the potential short-term impact of any single company, asset class, or country.
Growth
The HNW 90-10 portfolio is designed for an assertive component of an investors’ total investment exposure. The portfolio uses exchange-traded funds (ETFs), listed investment companies (LICs), managed funds, or directed investments to target a 90% exposure to growth assets with 10% to defensive assets by broadly diversifying exposures to companies in Australia, the U.S., other international developed countries and to emerging markets. The portfolio seeks long-term capital appreciation and total returns of CPI +3.5% p.a. over a rolling 5-year period, subject to a likelihood of no more than 1 negative return year, on average, every 5-years. Portfolio stability is provided by deploying widely diversified ETFs, thus minimising the potential short-term impact of any single company, asset class, or country.
This portfolio is available through a Managed Discretionary Account service if, and when, appropriate.
In addition to our model portfolios, HNW Planning maintains a series of specialist portfolios that assist with UK Pension transfers.
HNW UK Equity Assets in GBP, available from the UK or Australia through a Managed Discretionary Account service.
HNW International Growth Assets in GBP, available from the UK or Australia through a Managed Discretionary Account service.
HNW High Discretion External Manager in GBP, available from the UK or Australia through a Managed Discretionary Account service.
HNW Defensive Investments in GBP, available from the UK or Australia through a Managed Discretionary Account service.
As well as several portfolios appropriate for different allocations to growth assets in GBP and AUD on specialist platforms appropriate for UK Pension Transfers including for QROPS capital in New Zealand.
