Prime Financial Group has a comprehensive investment process. How we evaluate and choose where investments are made is an extensive, collective process. It incorporates a structured in depth research and analysis process. www.primefinancial.com.au

1. Helping clients protect assets and build wealth
Investment
Philosophy
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2. Welcome to
Prime Financial Group
Prime Financial Group partners with you and your
accountant for fully integrated investment advice.
We use this model because we believe that your needs
are best served by having an Accountant at the heart
of your personalised financial advice. Advice that is
tailored for your needs, goals and aspirations.
Through this integrated partnership, Prime Financial
Group can offer solutions that fit your objectives
regardless of your stage in life and investment goals.
You have total flexibility in choosing your investment
path. This is possible because you are dealing directly
with those that are managing your assets.
Throughout this process one principle is key -
protecting your wealth is paramount.
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3. Assets are typically labelled as one of two types – Growth and Defensive.
Our principles of portfolio management
Click on either Growth or Defensive below to see our range of standard options.
Growth
• Growth portfolios have a higher risk attached to them.
• There may be more portfolio volatility, however over
the medium to long term investors should expect to be
rewarded with higher growth.
• An example of a Growth investment is Australian and
International shares.
Defensive
• Defensive portfolios offer a lower level of risk.
• However, with this added security comes a lower, but steadier
return on your investment.
• Defensive portfolios are often sought by those that have a
satisfactory level of assets yet still want conservative growth
on their investment.
• An example of a Defensive investment is fixed and variable
interest rate securities.
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4. With two investment paths – Growth and Defensive, your portfolio is designed to maximise the returns and minimise risk according to your personal needs and risk tolerance.
With our comprehensive range of investment options, profiles and advice, together we can tailor a portfolio that seeks to preserve your wealth and achieve growth that
enhances your complete financial position.
A range of options to build your wealth
Growth
Growth
This investment strategy is all about long-term capital growth. It suits
investors seeking to grow the value of their assets over the longer term,
and who are willing to accept bouts of volatility in asset values. The
portfolio mix includes Australian shares, international shares, direct
property, fixed and variable income securities and cash.
Historic performance of a typical
growth portfolio 6.96% p.a.
Minimum investment horizon 7+ YEARS
Biggest drawdown -44.5% (Sep 2007-Jan 2013)
Months to recover 64 months
Prime Asset Allocation
Cash 5%
Fixed&VariableIncome 20%
AustralianEquities 42.5%
InternationalEquities 22.5%
Alternatives&Property 10%
Asset class proxies used: ASX200 Accumulation Index; ASX200 Property Accumulation Index; MSCI World Total Return Index (unhedged); Australian 10-year Government Bond Index;
Australian 3-month Bank Bill Swap Index; Monthly data since May 2000. Figures as at May 2015.
High Growth
High growth is designed for those investors who are looking for capital
appreciation over a longer time horizon and who are willing to accept
the volatility associated with high growth assets. Types of investments
include Australian shares, international shares and direct property.
Historic performance of a typical
high growth portfolio 7.26% p.a.
Minimum investment horizon 10+ YEARS
Biggest drawdown -53.3% (Sep 2007-Oct 2013)
Months to recover 73 months
Prime Asset Allocation
Cash 5%
Fixed&VariableIncome 0%
AustralianEquities 57.5%
InternationalEquities 27.5%
Alternatives&Property 10%
Click here to see defensive options
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5. With two investment paths – Growth and Defensive, your portfolio is designed to maximise the returns and minimise risk according to your personal needs and risk tolerance.
With our comprehensive range of investment options, profiles and advice, together we can tailor a portfolio that seeks to preserve your wealth and achieve growth that
enhances your complete financial position.
A range of options to build your wealth
Defensive
Conservative
The benefits of a conservatively constructed portfolio is a steady income
stream and capital stability. This makes it ideal for investors seeking to
preserve their capital but also to receive an income that is greater than
cash rates. The types of investments used to achieve this includes; cash,
Australian and global fixed and variable income securities.
Moderate
A moderate risk portfolio still counts on a large degree of capital
stability, but is prepared to take on some modest risk to boost returns.
Low volatility and steady income are core attributes of this portfolio.
Balanced
A balanced portfolio is for investors seeking a mix of capital
appreciation and income over a longer time horizon. Investors should
be prepared to accept moderate fluctuations in capital value. To
help achieve this, a balanced portfolio invests in Australian shares,
international shares, direct property, fixed and variable income
securities and cash.
Historic performance of a typical
conservative portfolio 6.0% p.a.
Minimum investment horizon 3+ YEARS
Biggest drawdown -4.49% (Dec 2008-Apr 2010)
Months to recover 16 months
Historic performance of a typical
moderate portfolio 6.47% p.a.
Minimum investment horizon 3+ YEARS
Biggest drawdown -18.1% (Sept 2007-Nov 2010)
Months to recover 38 months
Historic performance of a typical
balanced portfolio 6.8% p.a.
Minimum investment horizon 5+ YEARS
Biggest drawdown -35.6% (Sep 2007-Nov 2012)
Months to recover 62 months
Prime Asset Allocation
Cash 5%
Fixed&VariableIncome 95%
AustralianEquities 0%
InternationalEquities 0%
Alternatives&Property 0%
Prime Asset Allocation
Cash 5%
Fixed&VariableIncome 60%
AustralianEquities 20%
InternationalEquities 10%
Alternatives&Property 5%
Prime Asset Allocation
Cash 5%
Fixed&VariableIncome 35%
AustralianEquities 35%
InternationalEquities 17.5%
Alternatives&Property 7.5%
Asset class proxies used: ASX200 Accumulation Index; ASX200 Property Accumulation Index; MSCI World Total Return Index (unhedged); Australian 10-year Government Bond Index;
Australian 3-month Bank Bill Swap Index; Monthly data since May 2000. Figures as at May 2015.
Click here to see growth options
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6. There is a direct correlation between
risk and reward. Conservative
portfolios are structured to minimise
risk and hence typically attract a lower
return over the medium to long term.
High growth portfolios conversely
offer a higher likelihood of intermittent
volatility, but the potential to deliver a
far higher reward.
Conservative
Moderate
Balanced
Growth
High Growth
Investment Strategy Spectrum – Risk vs Reward
Risk
HIGHLOW
Reward
HIGHLOW
Investment Strategy Spectrum – Risk vs Reward
Risk versus reward performance
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7. Prime Financial Group has a comprehensive investment process. How we evaluate and choose where investments are made is an extensive, collective process that as you
can see in the chart below, incorporates a structured in depth research and analysis process.
Active Management
(1 step)
Immediate portfolio
change
Client Instructed
(3 steps)
• Phone/Email/SMS
• You decide (yes/no)
• Portfolio change if yes
Research Analysis Decision Implementation
Gain insights
from
• Company reports
• Market intelligence
• Company updates
• Internal & external
research
Ranking &
Recommendation
Investment
Committee
• Buy
• Sell
• Hold
• Participate
• Do nothing
Provides consistency of
recommendations to client.
Portfolio
Construction
Our investment process
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8. Why diversify?
Prime strives to protect assets and build wealth.
This aspiration is embedded in our investment philosophy in many
ways, be it in our preference for large, well-known, high-quality
securities and managed funds, or in our broader belief in investment
diversity. Diversification is vital to the health of a portfolio, and
ensures that at any point in the economic cycle, your mix of asset
classes is working in tandem to provide returns and stability.
We consider asset allocation across different investment types
and geographies as fundamental to safeguarding portfolios from
unnecessary risk.
Find out how Prime Financial Group can help you:
Phone 1800 064 959 | Primefinancial.com.au |
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9. Prime Financial Group Ltd
ACN: 009 487 674
Head Office
Level 17, Como Office Tower
644 Chapel Street
PO Box 6105
South Yarra VIC 3141
Tel 03 9827 6999
Fax 03 9827 9100
Client Services
1800 064 959
clientservices@primefinancial.com.au
www.primefinancial.com.au
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