Informed Investing

Most traditional investment strategies are simply a series of short-term speculative bets strung together and called ‘investing’. Research has shown that these active-management strategies are generally promoted by overconfident fund managers, stockbrokers or property spruikers, who often place their interests ahead of yours.

At Alman Partners our strategies for successful investing include:

  • Diversification – we don’t believe in putting all your eggs in one basket;
  • Avoiding wealth destroying emotions – we help you understand the ups and downs of the market, so you become confident, in-control investors;
  • Minimising Risk – we implement “Asset Class Investment” portfolios for our clients and ourselves.

Asset Class Investment works because:

  • It is a secure way to invest your nest egg, so that you have a high probability of achieving your goals;
  • It is a disciplined and structured approach, so that we are not guessing with your money;
  • It is founded on academic research, designed to capture every competitive edge we can in volatile markets.

Diversification

Broad diversification overcomes specific risk. In other words do not put all of your eggs in one basket.

Avoid wealth destroying emotions

The greatest destroyer of wealth is ‘YOU.’

People are not wired for successful investing. Why? Because we are emotional beings. We want to buy when things are good, which generally means prices are high, and left to our own devices many panic and sell when things are volatile and the outlook looks bad.

Emotion of Investing

 

emotion-of-investing

Where the thinking comes from

Innovations in financial markets research over the last fifty years, are the keystone of a belief system that guides Alman Partners’ approach to investing. Today, the investment industry takes for granted the calculation of rates of return, and the availability of comparative universes for professionally managed funds. But before the mid-1960s, there was neither a generally accepted way to calculate a total return, nor a way to compare the returns of different funds. This all changed with the advent of computers and the collection of data for mutual funds as well as for individual stocks and bonds.

Rigorous testing by financial economists of that seminal era led to the development of asset pricing models to evaluate the risk/return characteristics of securities and portfolios. It also led to a theory of market efficiency, that suggested excess returns were only achievable by taking on above-market risk. Studies documenting the failure of active managers to outperform market indexes gave rise in the early 1970s to passively managed index funds that relied on capital markets as the source of investment returns.

Further research and data compilation over several decades led to the identification of the multiple equity asset classes and risk dimensions that form the basis of Alman Partner’s strategies.

Asset Class Investor Group (ACIG)

Along with 9 like-minded firms across Australia and New Zealand, Alman Partners are members of the Asset Class Investor Group (ACIG). Through knowledge and experience sharing, this group of highly-skilled financial planning firms meet regularly to develop and implement the best strategies for their client base using the latest innovative market research.

Your Money Blog
April 3, 2019
Federal Budget 2019

The 2019 Federal Budget release was revealed last night with a focus on bringing Australia […]

March 27, 2019
The Paradox of Choice

Have you ever found yourself hesitating to make a decision? (more…)

March 14, 2019
Thinking of Borrowing?

If you ever want to access a loan in the future, you must read this […]

View all Your Money posts
Press Releases & Articles
March 11, 2019
Teneale Laister: Women in Business

Alman Partners have some pretty inspirational women in our team. To celebrate International Women’s Day […]

December 10, 2018
Administration Service Officer – Mackay QLD

Alman Partners is a dynamic financial services firm who offers vital on-the-job training coupled with […]

July 18, 2018
Financial Adviser – Mackay QLD

  As a Financial Adviser looking for a long-term career move, the major benefits of […]

View More Articles
Resources

Dimensional Fund Advisors
Financial Planning Association
ASIC MoneySmart
ATO Finding lost or ATO-held super
Macquarie Group
The Mackay Community Foundation