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Financial Planner – Opt For Professional Financial Planning

A Financial Planner Melbourne can give you the knowledge and expertise that you need to achieve your goals. Financial planners are the financial experts who always have your best interests at heart.

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They can help you to understand the importance of managing your money and financial affairs, so that you can get the best financial health and stable financial future that you deserve. This is the reason why dedicated group of highly qualified and experienced Melbourne financial advisors are always ready to serve you, by listening to your objectives and aspirations, and would work towards helping you to achieve your dreams.

Financial Planners Melbourne is a set of specialists, who help people, who are looking for the best financial advisors melbourne. They are a group of experts, who have a lot of experience and wide knowledge about finances and planning. They provide their clients with valuable and relevant information on maintaining their financial situation and creating a secure financial future. They also guide their clients in creating an effective financial plan, so that they can achieve their wealth goals. The financial planners in melbourne provide their clients with the assistance and advice on creating an ideal financial situation and plan, so that they could easily achieve their goals, and meet their desired objectives.

Financial Planner Melbourne are committed to giving their customers with the most accurate financial plans and advice so that they can successfully reach their desired goals. Their team of financial advisors, has the experience and skills to assist you in achieving your wealth goals, so that you can easily achieve the lifestyle goals that you have set. Financial Planners Melbourne can give you valuable advice and guidance, so that you can easily meet your desired financial goals.

Financial Planners are well equipped with the experience and skills in financial planning, so that they can easily guide you in setting up your wealth objectives and achieve your desired wealth goals. Apart from this, they provide you with a whole lot of other advantages. By engaging them for financial planning, you can save a lot of time and money. They also have a very good reputation and are reputed as one of the leading financial planners in Australia.

The Financial Planners in melbourne are an exceptional option for those people who would like to create an ideal financial future. They offer services which help to set up a life goals and achieve your desired wealth status. Financial advisers provide you with a whole lot of relevant information on creating an ideal financial planning and retirement goals. They also help to set up your financial objectives and achieve your wealth status and financial goals. The various services offered by the financial planners in melbourne includes creating an Individual Investment Account (IIA), creating a superannuation, selecting the appropriate investment products and life insurance plans.

You can get better service and wider options from financial planners in melbourne. They generally provide better financial advice and assistance to their clients. However, before engaging any planner or advisor, it is important to make sure that you verify their professional credentials, including the accreditation, registration, standing, etc. Apart from this, it is also important to check out their previous works and customer testimonials to know more about their effectiveness. If you do not want to go through all these hassle, you can take the assistance of online search engines and find the most reliable financial planning advisors in melbourne.

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When should you redeem SIP Investments?

SIP meaning full form is a systematic investment plan (SIP). The meaning of SIP in investment is the most convenient mode of investing in mutual funds and has potential to generate long-term wealth…

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SIP meaning full form is a systematic investment plan (SIP). The meaning of SIP in investment is the most convenient mode of investing in mutual funds and has potential to generate long-term wealth. The investor develops the habit of disciplined investing and reaps the benefits of rupee-cost averaging. However, are subject to losses on account of market conditions and associated risks involved. What should an investor do? Should investor stop a loss-making SIP or continue with the SIP?

The following factors should be considered while redeeming SIP investments.

Asset allocation

This is a very important to meaning of SIP investments. Returns from equity-linked mutual funds are related to the performance of the stock market. So, if the market is not performing well, then your fund is also likely to follow the trend and provide low returns. Also, in equity funds, investing one’s funds in small or mid-cap funds or large cap because previous year returns were very good is not a good idea. Allocate your assets in a diversified manner. It should mostly be a mix of long-term, mid-term and short-term funds. Asset allocation varies from person to person. Investing in only one type of fund is not advisable.

When to withdraw

This is a dilemma faced by al investors. The answer lies in your fund performance. Follow the performance of the fund you have invested in. If the fund is not performing satisfactorily for less than a year, it could be the market fluctuation affecting it but if the performance is unsatisfactory for more long period than, you should consider looking for a better fund.

Apart from the performance parameter, you should also check the portfolio of companies in which the fund has invested and their prospective performance. Another good strategy is to compare your mutual fund’s performance with similar mutual funds. So be careful when you decide to redeem your SIPs investments and identify alternative funds.

Investment horizon

The longer one invests through SIPs in mutual fund has potential for long term risk adjusted returns. Generally, consider investing in SIPs for a period of five years or so. It has been observed that generally it takes at least five years to average out the losses and market risks and the power of compounding. A market correction phase does not mean one should redeem those funds. Rather, view it as an opportunity to purchase more funds at a lower price.

To conclude, one can suffer losses while investing in mutual funds but there is no need to panic and make a hasty decision. There could be many reasons such as elections and geo-political tensions, recessions, pandemics, etc. The economy has seen it all and still flourishes and thus investing is a long-term game and should be treated accordingly.

So finally, to answer the main question as to when is the right time to redeem SIP investments, ideally one should look at redeeming SIP investments only when the financial goals are achieved. If an investor wishes to take advantage of changing market dynamics, satellite portfolio could be used to switch to funds depending on market behaviour.

Disclaimer: The views expressed here in this Article / Video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The Article / Video has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of the Article / Video should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments. None of the Quantum Advisors, Quantum AMC, Quantum Trustee or Quantum Mutual Fund, their Affiliates or Representative shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary losses or damages including lost profits arising in any way on account of any action taken basis the data / information / views provided in the Article / video.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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What is Green Investing

Green investing aims to support ethical, socially responsible and environmentally friendly business practices. The term “Green Investing” is often grouped together with SRI (socially responsible investing) and ESG (environment, social and governance).

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SRI also known as social investment are investments in a business that are considered socially responsible. This does not have to be solely environmentally based and can include any socially conscious investing.

ESG are criteria that are used when investors with a socially responsible moral compass wish to assess the social responsibility of a potential investment. The environmental criteria assess a company’s environmental impact, the social criteria assess a company’s relationships with their employees, customers, suppliers and local communities and the governance criteria assess the company’s leadership, rights of shareholders, executives’ pay audits and internal controls. Together these criteria give investors tools to evaluate investment opportunities that look past traditional methods.
Green Investing is a category of SRI that focuses on companies and projects that are committed to the preservation of natural recourses, reduced pollution and other environmentally conscious practices.

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Socially Responsible investing SRI
SRI occurs when individuals, banks, superannuation, and other types of funds invest in companies that are socially responsible in their actions. However, SRI is hard to define as it is forever changing with the norms and values of society. There are three main areas when we talk about how socially responsible a company or investment decision is, including, environmental, social, and corporate governance (ESG).

ESG
ESG is a term used a lot when socially conscious investors want to evaluate whether they invest in a company. Measuring these criteria and giving a score gives people the ability to factor social responsibility in their investment decisions. E stands for environment and is where we analyse the environmental footprint of a company. For example, initiatives in areas such as energy saving and the reduction of pollution. S stands for social and is where we examine working conditions of employees, clients and suppliers. The G stands for governance and is where we assess the structure of the company to see if its transparent and independent, how corporate officers are appointed and remunerated, and if there is respect for shareholders.

Green Investment
Green investment looks at the environmental side of ESG and is a large part of SRI. Green investments are made in companies that encourage, promote, or provide environmentally friendly products and practices. Anything to do with the natural environment or climate change comes under the “Green Investment” banner.
When we talk about “Green Investing” there is a term known as “shades of green” which demonstrates the spectrum of how green an investment opportunity is. Five main themes define what shade of green an investment opportunity may be. These include ESG integration, Portfolio screening, Corporate advocacy, sustainability-themed and finally impact investing.

For example, you could invest in a fund that factors in the ESG criteria in their decision-making but doesn’t go much further than that. This would be considered light green as they are only doing the bare minimum when investing ethically. If the fund you have invested started to exclude companies with low scores this would make the shade of green darker as they are “screening” the portfolio. Exclusive portfolio screening and ESG integration are on the lower end of the spectrum because while these investment decisions are doing less harm, they are not going to result in social issues being solved. Now imagine if the fund you have invested in owns 5% of XYZ and they, as a major shareholder, decide to attend a board meeting to convey that they would like XYZ to be more ethical in their business practices. This is what corporate advocacy means as the fund is influencing corporate behaviour through direct engagement. Within Ethical/Green finance we could consider this to be in the middle of the spectrum as now we are starting to see some changes being made to business practices. As we enter the “darker shades of green” we start to see inclusive portfolio screening. This means that the fund you have invested in will start including companies in the portfolio with high ESG scores, rather than just leaving out the ones with low scores. As we move into the darker shades of green ethical funds can be solely invested in companies that are sustainable regarding social issues like climate change, and moving one step further they can be invested in companies whose sole purpose is to solve issues that our world faces. This is the “darkest shade” you can achieve on the spectrum and is known as impact investing.

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