Professional Investment Services
- creating wealth for individuals
Professional Investment Services Pty Ltd (PIS) has
appointed Greg Schnell and Michael Goodwin as
Authorised Representatives of PIS.
Professional Investment Services Pty Ltd (PIS) is the
holder of an Australian Financial Services Licence
(No 234951) under which PIS is authorised to, and
carries on a financial services business which includes
the provision of financial product advice and dealing in financial products.
Whether you are interested in managing your
finances for the best outcome, enhancing and
protecting your lifestyle, growing your wealth,
planning for retirement or facing a major life
change, you will never regret seeking professional
advice. There's never been a better time than now
to start realising your wealth potential, and begin
maximising and protecting it. We want to help you
to realise the steps to take in starting to secure the
future you want through financial planning.
Click the items below for more information:
Step 1 The Beginning
Step 2 - The wealth grows
Step 3 - Gearing
Step 4 - Future business
Frequently asked questions
Financial Planning
Contact Us
Speak to your Professional Investment Services accountant and financial adviser - let them show you how regular saving can create wealth for you, how they can protect your family and how they can help give your financial journey a strong and rewarding direction.
Step 1 The beginning
The story of creating wealth
Regular investing is an effective and convenient way to help you reach your retirement goal. Even a little money invested regularly can grow into a tidy sum over time.
Start saving - spread of investments
The easiest way to reach your financial goals is to start investing through a regular savings plan. By investing an amount each month, you will be well on your way to developing substantial savings, and this introduces you to the world of investing.
A regular savings plan over the long-term will spread your investments, and will help smooth out the market's ups and downs and reduce the risk of investing in volatile markets.
Protect what you have
Savings plans, retirement savings, direct shares and managed funds are all tools that help create wealth and achieve financial goals, especially for retirement. But a financial plan is not complete without wealth protection.
It is very important that you protect your wealth and your family both now and in the future. This is normally achieved through the use of various life insurance products. Your planner will help you with how much protection is required.
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Step 2 - The wealth grows
Your first account statement
You will be able to watch your wealth grow by receiving regular statements from the fund manager looking after your savings and investment. These statements offer a rewarding time in life where you are able to see the results from your discipline.
Looking good
As time goes by, and you continue to save and invest to increase your options in life, your regular savings balance will grow to become a considerable amount.
The happy family
If you have a family or decide to start one, your investment can help you. You may want a new family home or car, you may require funds for dental and education fees, or want to buy a business or investment property. Your regular savings investment can help you to achieve these goals or to improve your family's well-being and lifestyle.
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Step 3 - Gearing
Reducing your tax
Regular gearing involves matching your own equity from your savings with borrowed funds to invest into managed funds, master trusts and wrap products on a monthly basis. A regular gearing plan can be a powerful tool to reduce tax and helps build your wealth gradually. This strategy still offers the benefits of dollar cost averaging.
Dollar Cost Averaging
Dollar cost averaging is an approach where you invest the same amount of money on a regular basis - usually monthly - into a share investment. It takes advantage of the only certainty of the sharemarket - that prices rise and fall. By investing a set amount regularly, regardless of the amount, you buy more shares when prices are low and few shares when prices are high. Therefore, the average price you pay per share can be lower than the average market price.
Watch that risk!
As your assets grow, the amount of risk also grows. Now is the time to consider reviewing your risk insurance, to help protect your assets and family. You can maximise the benefits of investing while minimising the risks. With careful planning, regular reviews and help from a financial adviser, you can make an effective investment or insurance choice that can deliver excellent returns with manageable risk.
Enjoy your wealth
Always wanted to take that overseas trip? How about that dream boat or holiday unit? Your wealth increases over time, and the time comes when you should start enjoying your wealth - you deserve it.
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Step 4 - Future business
To business or not to business
Have you ever wanted to own your own business? Your hard earned savings will put you and your family in a financial position to fulfil that dream of having your own business. Money invested can be utilised to increase your options in life. It may be to set up or purchase a business, or to invest in other areas. All of these options will benefit you heading towards retirement, and will ensure a better living standard for those golden years.
Retirement planning
Your retirement may seem far away right now, and that's a great advantage when investing. When you retire, you want your money to last at least as long as you do. The challenge is to optimise your retirement assets to help build the resources you'll need for your eventual comfort. After you stop working, the regular pay cheques stop rolling in … following these basic investment steps can give you the peace of mind that comes with taking charge of your own destiny.
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Frequently asked questions
We have many common questions answered in our Frequently Asked Questions section. If your question does not appear in our FAQs, please fill out the form by clicking on the "Ask a question" link.
Please note that the law requires that we must "know our client" before answering your question and providing personal advice. This means we have to know and understand your complete and full financial situation. Therefore, if you require personal advice, please contact a Professional Investment Services adviser today.
Please also note that the information that appears in the FAQ's is of a general nature only. This information may not be appropriate to your needs and you should speak with an investment adviser before making any investment decisions.
The following links answer questions for particular categories and will be added as necessary:
Financial Planning
1. Why should I save regularly?
Regular saving is the easiest way to reach your financial goals. By investing a small amount each month, you'll be well on your way to developing substantial savings, and it introduces you to the world of investing. A regular saving plan over the long-term will spread your investments, and will help smooth out the market's ups and downs and reduce the risk of investing in volatile markets.
2. When should I begin saving?
Today! The sooner you start a regular savings plan, the more wealth you will accumulate over time. It is essentially up to you to decide when is the best time to start. Don't forget - it's never too late!
3. How do I start a regular savings plan?
You need to take into consideration your goals, priorities, lifestyle, needs, concerns and your future when starting investing. Make an appointment to see a Professional Investment Services financial adviser. We can help you make informed decisions and give your financial journey a strong and rewarding direction.
4. What does a Professional Investment Services financial adviser give advice on?
It is our aim to be your financial partner through life. Our range of services gives you the benefit of having one contact point for all of your financial needs. Our advisers offer advice on a number of areas, including:
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Financial planning
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Insurance
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*Finance and Mortgage Services
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Wealth protection
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Shares / stocks / securities
Corporate services |
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Superannuation / rollovers
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Wealth accumulation
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Estate planning
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Tax planning
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Investment advice
|
*Finance and Mortgage Services will be provided by an Accredited Mortgage Broker through Australian Loan Company.
Your adviser will:
* Discuss your needs, priorities, goals and concerns;
* Give you a written recommendation/Statement of Advice of their professional advice;
* Carefully explain their recommendations and all associated costs;
* Design a review process that meets your needs;
* and Manage your investments
5. What are managed funds?
Managed funds pool the money of individual investors who share common investment goals. Professional fund managers use the pool of money to buy securities, such as shares, property, fixed interest and cash, that are consistent with the fund manager's financial objective.
When you invest in a managed fund, you purchase units in that fund. Since the money is pooled with that of numerous investors, you're able to invest in more investments than you could buy on your own.
6. What are shares?
Investing in a share buys you partial ownership of a company. Your share of ownership is also called your equity in that company. As a shareholder you can make money by sharing in the company's profits (usually paid in the form of a cash dividend), or by selling the share for more than you paid for it (capital gain).
7. What is a fixed interest / bonds investment?
These managed funds invest in a large group of Government, semi-Government and / or corporate bonds. More conservative than share funds, they seek current income in the form of regular distributions.
Bonds carry less risk (and often lower returns) than shares. Bonds issued by corporations tend to be riskier - and therefore higher yielding than those issued by Governments, simply because of the quality of the promise to repay the loan.
8. Will my adviser disclose the advice fees?
Yes. Legally your adviser must disclose the advice fees charged, whether they are upfront or ongoing fees.
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