Guiding investors

INVESTORS should run through a simple checklist before making any investment decision to ensure they’re doing the right thing.

First among these is an assessment of the risk profile. Next the investors need to set their objectives for income and growth, and finally they should look at the prevailing market conditions and research a fund that matches these objectives.

These basic steps people should follow is outlined in a new book written by financial adviser Des-tiny Financial Solutions principal Margaret Lomas, providing a simple guide to managed


Aimed at the mum-and-dad investors who have pumped more than $500 billion into Australian managed funds, the book, How to invest in managed funds shows investors how they can achieve a diversified and balanced portfolio, which means having investments in many areas including property, shares and funds.

“Managed funds present opportunities to people who would like to be involved in investing, yet would prefer to defray some of the risks by investing with others,” Ms Lomas said.

“Working out which type of managed fund is right for you can be very confusing. With so many on offer, it is vital that you look at what you want to achieve, and understand your own risk profile.”

The book includes a questionnaire to help investors determine their risk profile and looks at what a managed fund is, how a managed fund operates, financial planners and measuring a fund’s performance.

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