our growth philosophy.
At seedli, we’re passionate about growing wealth.
We specialise in supporting growing investors with modern strategies that fit your goals and grow with you through your different life stages.
Unlike traditional advisers we embrace property investments and specialise in SMSF strategies.
Set your growth targets.
We prioritise understanding our clients’ financial goals, be it buying your first property, funding your children’s education, or growing your wealth for retirement. By identifying your objectives, we can determine the appropriate asset allocation and investment strategy that best aligns with your goals.
Assess your risk.
We work closely with clients to assess their risk tolerance and capacity for risk. Passive investing doesn’t mean disregarding risk; rather, it involves finding the right balance between risk and reward. Through discussions and risk assessment tools, we determine an appropriate asset allocation that matches your risk profile.
Controlled leverage.
Leverage can be a critical tool to help accelerate gains, but on the flip side can also magnify losses. When harnessed in a controlled manner (through a combination of debt recycling and direct leveraged property investments) leverage can ensure you remain on track for your growth targets.
Stay the course.
There’s a common myth that you should “set and forget” your investments – we disagree!
Effectively managing wealth requires structure and discipline. It’s easy to focus on top performers while
overlooking the underperformers, but those underperformers come with a substantial opportunity cost. You could be
putting that capital to better use elsewhere.
Passive ETFs and low cost investments.
We cannot control markets, but we can control the cost of your investments. We are proud to be independent of investment product affiliations – we prioritise your best interests when building your investment portfolio, focusing on low cost, indexed, passive ETFs and Seperately Managed Accounts (effectively bundled portfolios of ETFs with some extra bells and whistles).
Our preferred fund managers (subject to ongoing due dilligence) are Betashares, iShares and Vanguard.
Diversification is key.
Asset allocation and diversification are key when building an investment portfolio. By spreading investments across different asset classes, such as international shares, Australian shares, bonds, private credit, property and cash, we aim to reduce risk and potentially enhance returns. We consider factors such as your investment timeframe, risk tolerance, and market conditions when determining the optimal asset allocation.
Monitor, adjust, optimise.
While passive investing emphasises a hands-off approach, we continually monitor market conditions and adjust investment strategies when necessary. Economic and market shifts may warrant adjustments to the asset allocation or fund selection, ensuring the portfolio remains aligned with your goals and evolving market dynamics.
Regular rebalancing.
We regularly review and rebalance your portfolio to ensure it stays in line with your target asset allocation. Rebalancing involves selling or buying assets to restore the desired allocation, especially when market movements cause deviations from the initial plan. This disciplined approach helps you maintain a balanced and diversified portfolio over time.
Never stop learning.
A key role of your seedli adviser is ongoing education about the principles and benefits of passive investing. By providing clear explanations of the strategy, its historical performance, and addressing any concerns or questions, we empower you to make informed decisions. Ongoing communication and regular portfolio reviews also help you stay informed and confident in your passive investment approach.Our proactive investement strategies are underpinned by a passive portfolio managment philosophy that promotes long term, sustainable wealth.
Did we mention the first meeting is on us?
financial advice for growing wealth.