Starting a portfolio - Investments & advice

Starting a portfolio

Whether you want to supplement your income to improve your lifestyle or save for retirement, it's important to begin planning your investment portfolio now.

First steps

Investor types

Develop a plan

There are many choices when it comes to investing. However, with the help of a financial professional, finding your way through the maze of investment options is a lot easier. Developing a plan can help provide a clear approach to investing, by setting out your financial objectives and how you are going to achieve them.*

Once a plan has been prepared, it can be revisited periodically to help track your progress, as well as determine whether modifications may be needed.

By first examining your individual needs and objectives, an ANZ Private Wealth Adviser can provide the information and advice to determine the right investments and strategies to reach your goals.

What are your financial objectives?

Your financial objectives can vary from saving for your children's education or retirement to investing for income.

Prioritising your financial goals and when you would like to achieve them will help your ANZ Private Wealth Adviser to determine the strategy most suitable to reach your goals. As a general guide, goals can be classified as:

short term - one to three year investment time horizon
medium term - three to five year investment time horizon
long term – five-year-plus investment time horizon.

* There are fees for plan preparation which your Private Wealth Adviser will fully discuss with you before commencing.

What type of investor are you?

Determining the type of investor you are, otherwise known as your investment risk profile, is important because it ascertains the suitability of certain investments and the best combination of asset classes in your portfolio.

Your investment risk profile relates to:

how comfortable you are with different types of investment
your tolerance of investment market fluctuations
the probability that your investment returns may not meet expectations.

There are many things to consider when determining your risk profile, however with the help of an ANZ Private Wealth Adviser, it can be much easier.

Asset classes and their features
Asset class	Income	Potential capital growth	Risk	Time horizon
Cash	Moderate	None	Low	Short: up to one year
Fixed interest	High	Low	Low-moderate	Short to moderate: up to three years
New Zealand shares	Moderate	High	High	Long: five years plus
International shares	Low	High	High	Long: five years plus
Property	Moderate	Moderate	Moderate	Long: five years plus
Alternative investments*	Low	High	High	Long: five years plus

* For example, hedge funds, collectibles/ precious metals and venture capital.

More information

For more information or to arrange an appointment with an ANZ Private Wealth Adviser:

Call 0800 ANZ ADVICE (0800 269 238)

Enquire online

Visit your nearest ANZ branch

A copy of the Bank's General Disclosure Statement and the Bank's Disclosure Statement prepared under the Securities Markets Act 1988, and a Private Wealth Adviser’s Disclosure Statement is available from a Private Wealth Adviser, free of charge.