• Retirement Planning
• Portfolio Management
• Wealth Creation
• Insurance
• Estate Planning
• Mortgages/Financing

 
Click here to request a copy of our Portfolio Concepts document.

Ward Financial Group has custom-built its own portfolio offering, that is not dependent on any Wrap or Masterfund provider. By building and running our administration platform we have been able to offer our clients the following advantages:

Investment Flexibility	Rather than being restricted to a list of investment options built by a product provider, our offering allows us an unprecedented level of flexibility when it comes to incorporating a wide range of investments, whether they be:  • Shares  • Managed Funds  • Property  • Term Deposits  • Or almost any other Investment This is important because mainstream Wraps are slow to respond to market needs. As an example we had much of our Fixed Interest allocation in Term Deposits during the Global Financial Crisis, resulting in 8% returns while most Fund Manager based products returned only 2-3% or worse. These Wrap providers have now added Term Deposits (albeit often only offering their own Bank’s Term Deposits), but this is too late. With rates now around 3-4%, this is possibly the worst place to be. Our ability to react quickly to the changing markets provided additional return to our clients, while actually reducing the level of risk within their portfolio.
Lower Fees	Wraps tend to be very expensive. The table below compares our portfolio service with that of the average Wrap provider.
Greater Control for the Client	Our service can be tailored to allow clients to have whatever level of control they wish. While most clients allow us to manage the entire portfolio, we have some clients who are actively involved in managing some parts of the portfolio, usually the Share Trading or perhaps Property component of the portfolio. Our fees are also flexible so that we do not charge adviser fees on investments the clients are managing themselves.
Reduced Volatility	Our portfolios do not place all of your funds into investments that track the markets. As such, in periods when markets are falling, a much larger part of our portfolio has the potential to still generate positive returns. This absolute return focus has meant that over periods of three years or more our portfolios significantly out-perform those of the traditional large institutions. It also means our retired clients are also more able to relax and enjoy their retirement without worrying excessively about what is happening with their superannuation.
Integration with your Accountant	Our system will export all transactions and tax data straight into either BGL or Desktop Super, the two most commonly used accounting packages for SMSFs.