In general terms we need to save a certain amount (generally for retirement), gradually spend these funds over retirement and then leave our beneficiaries the balance when we die. Our focus at FFPL is helping people achieve their financial goals. Obviously an important part of this is to manage the investment in a secure manner so that reasonable growth is achieved.

The last 100 years has demonstrated that the share market provides the highest returns. The trouble is that share markets are very volatile. What suits a 30 year old may not suit a 60 year old close to retirement. Another difficulty is that the investment industry is full of jargon and conflicting advice.

Your Risk Profile
Everyone has different aspirations, a different risk profile and a different history. At FFPL, our service involves making an initial assessment of your risk profile. We sort out what percentage of your investment should be in interest and what percentage in riskier assets such as shares. Your risk profile indicates the ideal split and is very important. At FFPL we use a special questionnaire and we also ask our own questions. After your risk profile is agreed, we will make our recommendations to you.

Our broad range of products
We only recommend specific finance company debentures and we can usually offer higher rates than one receives when dealing directly with the company. There are several hundred finance companies in New Zealand and we maintain a shortlist of about 6. Furthermore we have a series of restrictions designed to increase your security when investing in secured finance company debentures.  We also promote certain properties, shares, managed funds and capital guaranteed funds. This lets us achieve the desired risk/return for our clients. The use of Managed Funds lets us arrange investments in quite unusual areas such as international property or Asian shares. With these we attempt to only arrange investment products that record performances in the top quartile.

We can regularly send information to clients showing how they are performing against the initial goals. Over retirement the net savings will generally decrease. Trusts, Powers of Attorney and Enduring Powers of Attorney are all ways of making our funds easier to handle upon our being incapacitated or dying.

We make use of independent investment research when we review your existing investments and we do attempt to maintain your prior investments unless we can clearly identify superior options. This results in each investor having a unique structure.

We have deliberately not posted current returns on our web site as rates can change daily. We do have rate sheets on hand and provide these to interested clients.

Bank Deposit and Investments 
Conservative investors often wish to invest their money safely in a bank deposit. What needs to be considered is that inflation or tax can mean they end up after several years with less spending power than when they started. We can assist you put together a range of investments that are conservative, well spread and designed to increase your investment after inflation and taxes.

Performance and security
We design conservative portfolios with cash, interest, shares and capital protected investments that can offer higher returns than a bank deposit coupled with strong security. At FFPL we take all these factors into consideration.

Financial Markets Diversification Ratings The Yield Curve Insurance Superannuation

Taxation Trusts EPA's PA's Worldwide economies International share markets.

It is our job to help you achieve your financial goals. Give us a call on 0800 337-577 for a chat or even better, arrange a visit to our offices in central Lower Hutt.