Conservative Investments

Why invest in a Conservative Investment?

Like many things in life, people have their own preferences when it comes to making personal investments. People who are naturally more cautious, for example, may prefer conservative investments, as conservative investing is a low-risk investment style that prioritises capital preservation over returns.

But without the right strategies, conservative investors may not earn sufficient returns over time. There are thousands of managed funds to choose from. At TPT Wealth, we offer managed investment solutions that cater to a broad range of investors. TPT Wealth managed funds are managed by our highly experienced investment management team.

To help you make an informed decision when it comes to your wealth management goals, we’ve answered common questions related to conservative investments below. Please note that the following information is intended to be general in nature and does not take into account the investment objectives, financial situation, or particular needs of any particular person. Before acting on any advice, consider whether it is appropriate for your circumstances and read the relevant Product Disclosure Statements (PDS) and other disclosure documents including the Target Market Determinations before making any decisions.

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Cash & Income Funds

Aiming for capital stability and consistent investment returns.

  • Short to medium term investors
  • Generate income from a diversified portfolio
  • Assets include bonds, money markets and mortgages
  • Delivers monthly variable returns

Investment Growth Funds

Potential for higher average investment returns over the long term.

  • Long term investors
  • Assets include property, Australian and International shares
  • Short term ups and downs are part of the funds’ performance
  • Regular income streams

All investments involve various elements of risk. Whilst TPT Wealth cannot eliminate all risks associated with an investment in the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds (including the risk of loss of income and capital invested), as Responsible Entity and Investment Manager we employ a range of strategies that seek to actively identify, assess, manage, and reduce risk. Neither TPT Wealth, nor MyState Limited or MyState Bank Limited guarantee the repayment of capital or the performance of the TPT At Call Fund, Growth Funds and TPT Wealth Income Funds. For important information about Funds and their risks, please refer to the Fund’s PDS and TMD.

ASIC Benchmark Disclosures:
ASIC has developed a range of benchmarks for unlisted mortgage schemes (such as the Income Funds) the enable investors to understand the risks and assess the suitability of the investments. This information is updated on a quarterly basis and made available on this website.

Why invest with TPT Wealth?

Short, medium to long term investments
Over 30 years experience
Invest in assets generally not available to retail investors
24/7 access to your investments via our online investor portal

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What are the characteristics of a conservative investor?

If you’re interested in conservative investments as part of your asset management goals, knowing the characteristics of a conservative investor is essential for making informed investment decisions, managing risks, diversifying your portfolio, and achieving your investment goals, should you decide to dive in. A conservative investor typically has:

Healthy scepticism

Experienced conservative investors abide by a fundamental principle: if an investment seems too good to be true, it most likely is. Additionally, they acknowledge that some of their conservative investments may not perform as expected, given the unpredictability of the future. In that regard, portfolio diversification plays a crucial role in conservative investing.

Quality-first approach

In general, conservative investors believe that high-quality investments are more likely to provide a stable and consistent return over time rather than chasing high returns that come with high risk ventures. They focus on investing in companies with strong fundamentals, such as a solid financial position, stable earnings growth, and a long-term track record of success.

An open mind

Many conservative investors are persistent in seeking investment-related information as they seek to enhance their understanding of the investment landscape and make informed decisions. They acknowledge that investment professionals have more expertise in investing due to their extensive experience in the field.

It is our goal at TPT Wealth to help you make smart financial choices. Our investment management team has decades of experience and is forward-thinking, and we strive to deliver high-quality financial wealth services that you can trust. For over 40 years, our mission has been to help Australian investors make informed decisions, whether they’re interested in conservative investments, fixed income investments, and more.

What are the advantages of choosing conservative investments?

Conservative investments offer several advantages, including lower risk, relatively steady income, increased capital preservation, diversification, and reduced volatility. These benefits can make a conservative investment an attractive option for investors who prioritise stability and security over the potential for higher returns.

TPT Wealth’s income fund options may be a suitable choice for those seeking similar benefits. These funds aim to provide investors with capital stability and regular, competitive income (paid monthly). They are considered to offer a low-to-medium risk/return profile based on the asset mix, benefits, risks, and redemption timeframes, making them suitable for investors seeking to prioritise a stable income stream and capital preservation in their investments.

Additionally, investors can invest in a variety of asset classes, including money markets, fixed income, and commercial mortgages, to create diversified portfolios with different risk/return profiles through our cash and income funds.

To enhance your experience with TPT Wealth, it is crucial that you obtain and review the pertinent Product Disclosure Statements (PDS) and other disclosure documents, such as the Target Market Determination (TMD), Financial Services Guide, Privacy Policy, Benchmark Disclosure Reports, and continuous disclosures, which can be found on the Reports & Disclosures page.

Are conservative investments the best choice for retirees?

For many retirees, the primary objective is to extend the lifespan of their savings for as long as possible. This shift in focus often leads retirees to adopt a more conservative investment strategy with the aim of reducing the risk of the potential loss of capital. Consulting with financial professionals can provide further insights into the effectiveness of conservative investments in helping protect one’s retirement funds.

Investing always carries a degree of risk, whether it’s a cash investment fund or a conservative investment, but there are methods to manage it. Our managed funds provide investors with access to the expertise, experience, and financial insights of a dedicated investment management team that is committed to helping them reach their individual investment objectives.

Other benefits of tapping into our managed investments include the ability to pool funds with multiple investors, which allows you to start investing with relatively low capital, and the ability to generate income from a diversified portfolio, which generally provide you with greater stability and consistency in your investment returns.

Additionally, you won’t have to make direct investment decisions, as a skilled and experienced professional will manage the investment funds on your behalf.

Should you have any questions regarding our financial wealth services, you may contact us at 1300 138 04 or complete our online enquiry form for our staff to contact you. If you’re ready to invest and have read the relevant disclosure documents, simply complete our online application form to get started with TPT Wealth.

Apply online today at TPT Wealth!

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