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Our tried and tested approach to tailored portfolio construction

Learn how our experienced advisers construct your individually tailored investment portfolio based on our tried and tested approach.

What is the first thing you do before making any investment?

Research the market?
Budget how much you can afford to invest?
Assess the level of risk of the investment?

At ITL Financial Planning we always start with a chat. We take the time to understand your values, your goals and the level of risk you feel comfortable with. We also speak to you about your personal investment preferences.

So we can work in partnership with you to build a bespoke financial plan that is truly tailored to you and your family, at every stage of your life.

How we construct your portfolio

Our experienced advisers construct your individually tailored investment portfolio based on our tried and tested approach. Our own Investment Committee meets monthly (and more often if required) to discuss and form our best portfolio ideas for your portfolio.

We strategically allocate your assets and chose your investments based on:

  • your tolerance to risk
  • your objectives, both short- and long-term
  • your individual needs (returns, liquidity, income vs growth)
  • your situation (size of portfolio, costs, tax considerations)
  • your preferences (e.g., environmental or ethical considerations)

We also give consideration to the allocation of different industry sectors (eg. financials, commodities, consumer staples, healthcare, industrials etc), building your portfolio both from bottom up and top down perspectives (ie. the outlook for each individual company, as well as each industry sector).

And our extensive and ongoing market research includes analysis of charts, statistics and common risk profiles.

A Complete Range of Investment Options

At ITL Financial Planning, there is no one size fits all. We offer a highly personalised service. We tailor your investment portfolio exactly to your needs. In constructing your portfolio we assess every asset class individually. We may include all or some of assets like:

Cash Holding Accounts: We look for cash holding accounts that offer you competitive interest rates, no fees and full online banking, including BPAY.

Term Deposits: We assess the suitability of Term Deposits by reviewing the competitiveness of interest rates (over and above the advertised rates), the size of the financial institutions, strength of their balance sheet, maturity date of the term deposit and their interest payment cycle.

Australian Equities, We don’t aim to try and replicate the ASX200 index, we aim to invest in companies that provide increasing dividends over the long term, balancing both your growth and income needs with your tolerance to risk. Our criteria for choosing stock includes:

  • An industry leading position
  • Good management
  • A history of increasing earnings and dividends
  • As much as possible, predictable earnings
  • Research analyst reports
  • Market movements

International Equities: We look for international exposure that is low cost, well diversified and has the ability to choose geographical areas (if desired).

ASX listed Hybrids: offer fixed interest exposure, equity-like liquidity and regular (quarterly or semi-annually and generally fully franked) income.

Diversification is important with hybrids because these securities are more risky than term deposits and annuities and capital is not guaranteed. But we always educate you so that you fully understand where your hybrids sit in the capital structure and how each hybrid differs.

Managed Funds: Sometimes there’s no other way to get exposure to a particular investment strategy or investment or there’s more value in harnessing a fund manager’s skill and so we use managed funds where we see benefit to you.

What do you want your financial future to look like?

Are you ready for us to create for you a personalised portfolio

And a proactive and flexible financial plan that anticipates your future needs and evolves to meet your life challenges?

At ITL Financial Planning our performance speaks for itself and our proven process begins with a thorough understanding of you, your goals and what you want your future to look like.

Talk to us now.

Written by Nick Lloyd (Financial Adviser)

ITL Financial Planning and its advisers are Authorised Representatives of Fortnum Private Wealth Ltd ABN 54 139 889 535 AFSL 357306. Any information on this website is general advice only and does not take into account any person's objectives, financial situation or needs. Please consider your own circumstances and consider whether the advice is right for you before making a decision. Always obtain a Product Disclosure Statement (if applicable) to understand the full implications and risks relating to the product and consider the Statement before making any decision about whether to acquire the financial product.