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Investments

Ricarmo Financial Group uses a bespoke investment strategy and it’s this strategy that will enable us to become one of the leaders within the superannuation and financial services industry.

Using this bespoke strategy, we offer investment solutions for superannuation and wealth creation.

Traditional superannuation funds build portfolios across multiple asset classes including the standard ASX equities, bonds, fixed income, international equities and property. At Ricarmo we invest in predominantly wholesale global fund managers using a wrap account which can provide access, tax and administration advantages. We aren’t aligned to one particular financial institution such as Westpac or ANZ, allowing us complete flexibility building our investment portfolios.

The investment strategy for many superannuation funds is a diverse balanced approach which generally would consist of around 65 to 75% in growth assets. This means their portfolios contain a mixture of investments that don’t always meet the investment criteria of the client.

At Ricarmo we use a wrap account, as this allows us to build a complete, hand-selected portfolio. These investments are selected predominantly from global wholesale funds that often aren’t available to the average investor. Using wholesale funds, compared to retail funds allows Ricarmo to potentially lower the risk of volatility while increasing your return on investment.

Many of the funds we select for our wrap account are normally only available to sophisticated investors with large amounts of capital to invest, as the initial capital investment can be a hundred thousand dollars or greater which makes the barriers for entry almost impossible for most normal Australians.

Using this method of investment allows our clients access to many more investment opportunities on the market. There are many benefits to using a wrap account to invest in wholesale funds and our investment specialist can take you through them all in detail, however some benefits to consider include:

If you would like to discuss your individual situation, contact our investment specialist today.

Wholesale Funds

Ricarmo Financial Group partners with wholesale funds from other leaders within the industry including BlackRock, Bentham and Netwealth.

We allocate funds to various wholesale managed funds including fixed income, bonds, defensive and growth funds. Our weight is always towards high return fixed income accounts to stabilise returns and lower risk.

Examples of two of our funds are below.

BlackRock Hedged Global Small Cap Fund

Current 5 year average return as 31 January 2017 is 17.43%

Investment Ojbective

The BlackRock Hedged Global Small Cap Fund aims to maximise capital growth through exposure to a globally diversified portfolio of stocks of quality small capitalisation companies listed on international stock exchanges. Overall, the Fund aims to outperform the MSCI AC World Small Cap Index (hedged in AUD) before fees, over a full market cycle of approximately 3 to 5 years.

Sample Balanced Index Fund

Current 5 year average return as 31 January 2017 is 9.33%

Investment Objective

Sample Balanced Index Fund seeks to track the weighted average return of the various indices of the underlying funds in which it invests, in proportion to the Strategic Asset Allocation, before taking into account fees, expenses and tax.

Fund Overview

The Fund provides low-cost access to a range of sector funds, offering broad diversification across multiple asset classes. The Balanced Fund is designed for investors seeking a balance between income and capital growth. The Fund targets a 50% allocation to income asset classes and a 50% allocation to growth asset classes.

In Partner with

Blackrock
smallco
rare