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General FAQs

The specific section typically contains possible answers to general questions typically related to Financial Advice.

Your first meeting can take up to two hours. In this time we address your goals and objectives, current financial position and personal situation. It is an opportunity for us to get to know you and you to assess whether we are the right fit for you. If you have brought your financial documents or copies of them, this will speed up the process. This investment of time ensures we understand you and what you are looking for.

During your first appointment, we will establish why you are seeking financial advice, what your goals are and what you expect from us. To assist us, we ask that you bring in as many documents as you can, such as photo ID, tax returns, superannuation, loan and bank statements, copies of wills, insurance details, and/or a budget.

Your initial appointment with Annuity Strategic is provided free of charge. If you decide to preceed, we will prepare an Initial Statement of Advice and an annual invoice for you, which will cover all advice, implementation, appointments, phone calls and any other requirements you might have for the first twelve months. Ongoing annual costs differ from person to person, depending on the complexity of your situation and the amount of work involved. You will be provided with a written quote prior to appointing Annuity Strategic as your financial planner.

After your initial appointment we will send you a client agreement which outlines the services we will be providing and our fees. You should take the time to read and consider your client agreement before signing and returning it to us. There is no rush to make a decision and typically clients take one to two weeks to consider our agreement and make a decision. We commence work once a signed client agreement is received.

No, Invvex does not hold custody over client assets.

Some personal finance software packages, magazines or self-help books can help you do your own financial planning. However, you may decide to seek help from a professional financial planner if:

You need expertise you don't possess in certain areas of your finances. For example, a planner can help you evaluate the level of risk in your investment portfolio and revise your asset allocation;

You don't feel you have the time to spare to do your own financial planning;

You know that you need to improve your current financial situation but don't know where to start;

Visit https://invvex.investwell.app/app/#/forgotPassword and enter the email address associated with your Invvex account.

Check your email, you will receive an email with a link to reset your password.

Yes, completely! We are deeply committed to the confidentiality of your data. We have built in comprehensive processes to ensure that only your Wealth Manager has access to your data.

Investment Advisory FAQs

The section contains answers to investment questions related to Financial planning.

The saying “don’t put all your eggs in one basket” defines diversification in investment advisory. It is this wisdom, perhaps passed from one’s parents, of not putting everything you have in one choice that should absolutely be followed in investing. However, diversification does not ensure a profit or protect against a loss in a declining market.

Overall, it could take 3 weeks to close out on your overall plan. Another 2 weeks to implement the plan. You need to be aware that your time availability will be a critical factor in the time taken to complete the plan.

While we use sophisticated mathematical/statistical tools to allocate your investments among the various asset classes and model the growth in your investment portfolio, it is important to keep in mind the inherent variability in market returns in most asset classes. Thus, we do not guarantee any minimum returns but we do carry out appropriate simulations to provide adequate confidence on achievement of goals and targets.

There is no prescribed minimum level of investment that we require to start our relationship. However, to gain access to more sophisticated services and privileges, we may require a certain minimum commitment from you.

Generally, most clients meet with our advisors at least annually or semiannually. However, we are completely flexible to cater this around you and your schedule. It is important to meet with your advisor as this will give us an opportunity to see if anything has changed with your personal situation or career that may impact how your portfolio is currently managed.

A financial planner is a trusted counselor who can help guide you through making good decisions in what can be a complicated financial world. Excellent planners can help you to be more objective and less emotional in your decision-making process. They can also help educate you about tax and legal issues that can be difficult to understand. A comprehensive financial plan involves expertise in a variety of disciplines that most individuals probably don’t have the time to properly research.

While we use sophisticated mathematical/statistical tools to allocate your investments among the various asset classes and model the growth in your investment portfolio, it is important to keep in mind the inherent variability in market returns in most asset classes. Thus, we do not guarantee any minimum returns but we do carry out appropriate simulations to provide adequate confidence on achievement of goals and targets.

Financial planning looks at a person's overall financial picture. A financial planner will often ask a prospective client to fill out an extensive questionnaire in order to understand his or her financial needs and goals. The planner will usually put together a detailed, short-term 5-year plan designed to improve the client's overall financial position. That may be followed by a long-term plan, along with suggestions about how to save and invest for retirement and a child's college education at the same time.

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