Retiring after decades of hard work should be cause for celebration… But for many baby boomers and people in the 50+ age bracket that isn’t the case.
Many people come to us worried about the amount they have to retire on and want to know that their money will continue to work for them in retirement.
Whether that involves travelling overseas, hitching the caravan to the back of the Landcruiser and travelling around Australia or just spending time close to the grandchildren, wherever they may be.
We know that financial mismanagement can create stress and worry – and believe you should have the financial peace of mind to enjoy your retirement.
We don’t just manage your money; we invest smart to match your goals and appetite for risk. It’s not all about investing lump sums of money, Astute Capital Management helps you make the most of your super, Centrelink payments and explain taxation benefits.
Our clients regularly say to us; “you speak our language”, or “I had no idea I could do that” and “now I’m really looking forward to enjoying my twilight years.”
We take the worry out of it for you. It’s as simple as that.
We understand the High Net Worth space better than most. The people we work with are often highly intelligently, informed and knowledgeable of commercial markets.
Maybe you’ve been highly successful in your profession or perhaps you started the right business at the right time.
The challenge they always have is time. They lack sufficient capacity to research opportunities and think objectively on where and how to invest. That’s where we come in.
We optimise our engagement so you get the right information at the right time.
This allows you to continue focussing on your core priorities and securing the finance to be comfortable for generations to come.
You don’t want to put all of your nest eggs in one basket – we understand that so we create diverse portfolios that deliver reliable results. Astute Capital Management’s extensive market knowledge and access to key industry people means that there are no surprises in the portfolios we manage.
Successful long term investing is about skill and discipline. Astute has both. Our mantra is think a lot and act a little.
Patience, understanding that investing is different to speculating and a clear focus on quality means that your funds will grow steadily over time. When investing, slow and steady wins the race every time…
You’re in your early 30s, you might be married and thinking of starting a family, you might be single and working in a prestigious corporate role with capital to spare.
Whatever your situation, the thought of the future has crossed your mind.
What will it look like? How can you make the most of the money your earning now and plan for the retirement you really want?
At Astute Capital Management we can help you learn and make decisions now that will set the foundation for a strong financial future.
We pride ourselves on our knowledge of financial products and investment markets. When you’re younger and emerging in the professional world you have many options – We help you understand these and choose the best for your situation.
Have you heard of ETFs or lending?
We’ll look at your existing super funds and see if they’re working for you, invest your surplus capital in a strong and diverse share portfolio and consider negative gearing on any investment properties.
We’ll ensure your investments are tax efficient so you’ll be aware upfront of how much you’ll pay on earnings.
Astute Capital Management’s years of investor knowledge means we know exactly when to take a calculated risk and when to walk away.
After all, spreading risk is the key to reducing volatility.
“If we command our wealth, we shall be rich and free; if our wealth commands us, we are poor indeed.” Edmund Burke.
In many ways a family succession plan is the legacy you leave behind. And to get it right can be tricky.
When large sums of money or complex investment portfolios are involved, the distribution structure of family members both immediate and distant must be considered.
There is always a risk that things may not go to plan. Furthermore, the sudden death of a member can have severe consequences for a family or the surviving benefactors.
At Astute we help add perspective to your position, with advice on beneficiary management, agreement drafting, funding and the strategic development of succession plans.
There is currently a huge transfer of wealth happening in Australia.
Baby Boomers who were the children of post depression parents didn’t have as much available credit as we do today, saved well and mostly own their homes.
They are now passing that wealth down to the next generation.
How that is managed now will be paramount to the financial position your family finds itself in future.
Astute Capital Management is a trusted estate advisor that helps you plan with minimum of fuss.