Ascendia Investment Managers

We need income now and for the future. We also want first-rate support. So we choose Ascendia...

Ascendia Investment Services provides services for self funded retirees and pre-retirees, and asset accumulators including trustees of investment trusts, in two main areas:

  • Investment Portfolio Management
  • Investment and Financial Advice

Our service is independently ASIC licensed and provides services on a fee for service basis. The service fees are based on activity and our costs involved in providing the service.

This page below provides a brief summary of our Investment Portfolio Management Service.

For further details about the Investment Portfolio Management Service, and the Advisory Services please use the menu on the right hand side of this page which will take you straight to the relevant sections of our dedicated Financial & Investment Services Website www.ascendiainvestment.com.au.

 

Specialised Investment Portfolio Managers

Ascendia Investment Portfolio Services specialises in the provision of portfiolio management in the areas of income provision, defensive, moderately defensive and balanced portfolios.

We provide comprehensive financial and investment advisory services as required by our clients needs and circumstances however we have developed substantial experience and expertise in Advising and Managing Investment Portfolio's as outlined above and on this page.

 

Built In Financial & Investment Advice

The Ascendia Investment Portfolio Service comes with built in Financial & Investment Advice. This service is provided at no additional cost to you and is paid for by the initial years portfolio management service fees you pay us over the following year. For more details about this service go to What Do I Get With The Ascendia Portfolio Service, on our dedicated Investment Services Site at www.ascendiinvestment.com.au, also available from the Portfolio Services Menu on this page at top right.

Our service does include all the things you will need to have occur so as to be able to have us managing your portfolio in accordance with your authority, and in keeping with your investment requirements and circumstances. For more information about this you can go to What Portfolio Type For Me? and How Do we Start Portfolio Services? on our dedicated Investment Services Site at www.ascendiainvestment.com.au, also available from the Portfolio Services Menu on this page at top right.

 

Our Service Values

Investment Products and Instruments Excluded

We believe in keeping things as simple as possible. As a result we do not believe that you need to use complex trading strategies, leverage, or exotic instruments to derive a good solid investment outcome. We do not recommend or advise on these.

Direct Ownership & Portability

All the underlying investments are held in the name of you, the investor. This enables individual investors to participate in plans such as shareholder discount schemes or shareholder purchase offers etc.

This direct ownership also means that you retain the flexibility to move your portfolio at some time in the future without selling down your holdings and crystallizing capital gains. 

 

Ascendia Portfolio Management Methodology

Our investment portfolios are created using a systematic portfolio construction process.

Our focus is on obtaining investment returns with the least amount of absolute risk, and to grow and preserve capital over the long term.

There are three steps to the Asset Allocation Process – your Benchmark Asset Allocation, your Strategic Asset Allocation settings, and the Sub-Group Allocations within each asset class.

Here’s how it works:

1. Benchmark Asset Allocation:

As the name suggests, this is all about setting a benchmark asset allocation based on the stage of life you are at, overlayed with your tolerance for capital volatility. It’s like a starting point or equilibrium point. It is how you would be invested in a relatively benign environment where you are happy to be fully invested in each asset class.

2. Strategic Asset Allocation:

Once your stage of life / benchmark asset allocation is set, we then adjust these allocations from time to time depending on our analysis and interpretation of:

  • Prevailing key investment themes
  • Global economic risks.

This is the part that can make a substantial difference to your retirement, and is the piece that most people are missing (or do in a haphazard manner). It is all about risk management and capital preservation.

In practise, this will generally mean having a reduced (or no) exposure in "risk" assets (and some defensive assets) and a higher allocation to more secure assets for some periods of time - if the risks are deemed too high relative to the assessed potential returns.

We are focused - through the adjustment to asset allocation benchmarks - on the longer term business cycles and avoiding the big downturns accompanying economic recessions and/or severely overvalued markets.

3. Sub-Group Allocations within Each Asset Class:

Within an asset class, there are various sub groups of investments.

There are real diversification benefits to blending both sub-sectors and strategies that may not be highly correlated.

Therefore, we will diversify between sub groups within asset classes to help us achieve our objectives. 

Asset Selection

Once the Asset Allocation process is complete, we can then turn to choosing individual investments within those asset classes.

Investments within the portfolio are selected via screening techniques that combine (where applicable):

  • Fundamental quantitative analysis of asset quality and performance
  • Qualitative analysis including effects of the global macro environment
  • Appropriate entry points using valuation analysis

For more details about this you can go to How Do You Manage My Portfolio? on our dedicated Investment Services Site at www.ascendiainvestment.com.au, also available from the Portfolio Services Menu on this page at top right.

 

Assets We Recommend and Manage ...

We only use the assets in your portfolio that you authorise us to use.

We recommend and manage a range of assets as outlined below. However we only recommend assets that are appropriate to your circumstances and that you understand. If you are not confortabtle with an asset you simply ask us to prepare advice wihtout that asset or asset type - it's your money and you are always in control of your funds.

  • Australian Stock Exchange ListedListed Shares
  • Australian Stock Exchange ListedListed Property Trusts
  • Australian Stock Exchange Listed Hybrids and Subordinated Notes
  • Australian Stock Exchange Listed Cash Funds
  • Australian Stock Exchange Listed Managed Funds (a small % approximately 1 - 3% of your portfolio if requried to minimise risk)
  • Direct "Over The Counter" Bonds
  • Direct Fixed Income Managed Funds
  • Direct Term Deposits
  • Direct Cash bank Accounts
  • Direct Specialised Managed Funds (a very small % in the 1 - 3% range of your portfolio to assist with diversification)

For more information on how we use these you can go to What Assets Do You Use? on our dedicated Investment Services Site at www.ascendiainvestment.com.au, also available from the Portfolio Services Menu on this page at top right.

 

Ongoing Portfolio Review

As risks and expected returns change in different asset classes, so we periodically amend the portfolios exposure to these asset classes and subgroups - where prudent.

The key aim is to manage risks, and in particular to reduce the impact of big downturns in risk assets (such as the share market) when it is considered appropriate.

As your circumstances change we will, as appropriate, recommend amendments to your investment and financial strategy. If the change in your circumstances is routine such as a need for more capital or income drawn - but this is not sufficient to require a complete rethink of your financial strategy - we do this as part of your ongoing investment managment fees.

If you have a major life event where you need to completely change your financial strategy, as well as your investment management approach - we may charge a fee for service for this service depending on how much woerk is involved. We will provide a fixed up front fee quote for this.