Personal investment management & financial advice association pimfa là gì năm 2024

A good financial adviser works with you to understand your needs. They can help you set your financial goals and create a plan to achieve them.

Anyone who gives personal financial advice and most general advice providers must have an Australian financial services (AFS) licence.

1. Decide what you want from financial advice

Before you get financial advice, decide what you want to get out of it. This will depend on your stage of life, how much money you have, and what you're trying to achieve.

A financial adviser can help you make financial decisions and plan for the future. This might include advice about budgeting, investing, super, retirement planning, estate planning, insurance and taxation.

2. Choose the right financial advice for you

You can choose to get either general or personal financial advice from an adviser, depending on what you need.

General financial advice doesn't take into account your personal situation or goals, or how it might affect you personally.

Personal financial advice is tailored to your financial situation and goals, and is in your best interests. It can include:

• Simple, single-issue advice — Help with one financial issue, for example, how much to contribute to your super, or what to do if you inherit shares.
• Comprehensive financial advice — Help to develop a financial plan to reach your financial goals. This covers things like savings, investments, insurance and super and retirement planning.
• Ongoing advice — Regular monitoring and review of your financial plan and affairs.

To find out more about what financial advisers can do for you, see working with a financial adviser.

3. Find a financial adviser

Once you know what you want, find an adviser who offers the right services for you.

You can find a licensed financial adviser through:

• a financial advice professional association
• your super fund
• your lender or financial institution
• recommendations from people you know

Check the Financial Services Guide

The best way to see what a financial adviser offers is to read their Financial Services Guide (FSG). It should be on their website, or you can ask them for a copy.

The Financial Services Guide shows:

• the services they offer
• how they charge (see financial advice costs)
• who owns the company
• any links to product providers
• their AFS licence number

Robo-advice

Robo-advice is automated financial advice you can get online. You enter your information, for example, your personal details, investment goals and risk tolerance. Then the advice is generated using algorithms and digital technology.

Robo-advice might be cheaper and more convenient than a financial adviser, but it has limitations. Most robo-advice only offers a narrow range of services. A computer program can't help you set goals or objectives. It can't answer your questions, and it can't give you advice about complex financial situations.

4. Meet and compare financial advisers

Financial advisers don't usually charge you for the first meeting. This makes it easy to meet with a few different advisers to compare what they offer.

When you meet an adviser, ask them about:

• their qualifications, main client base, and specialty areas
• what fees you will pay, how often and what you'll get in return
• how they'll manage your money
• how often you'll meet
• what information you'll receive and how often
• how they'll consult you on decisions
• how they'll monitor and manage your investments
• what commissions or incentives they receive from financial products, and how they'll choose products to recommend to you
• who'll look after your account when they're away
• how they'll deal with complaints (see problems with a financial adviser to learn about the complaints process)
• how to end your agreement with them (including any penalties or notice periods)

A good adviser will get to know you, keep you informed, and help you achieve your goals. They'll also discuss how much risk you're comfortable with.

Kyle joined Perpetual Private in July 2014 and leads the 18 person Investment Research team. In this role, he is responsible for the overall investment solutions of the firm, managing teams of highly experienced investment professionals across capital markets research, asset allocation, manager research, stock analysis and portfolio construction advice, as well as portfolio analytics and investment insights for client portfolios. Prior to this role, he was General Manager - Research & Operations for Perpetual Investments, where he managed key ratings house relationships and maximised rating outcomes across all funds and asset classes.

Kyle earned his Bachelor of Accounting with Distinction from the University of Technology, Sydney (1997). He also holds the Chartered Financial Analyst and Chartered Alternatives Investment Analyst designations.

Lydia Kav

Head of Manager Research

Bio

Years of experience: 26 Years at Perpetual: 1

Lydia heads the Perpetual Private Multi Manager team, leading the investment research process with a view to generating consistent client outcomes in line with our investment philosophy. The team aims to drive growth through innovative investment solutions for clients. Lydia is also responsible for the manager research investment process, asset allocation methodology & investment strategies across all asset classes for Perpetual Private’s suite of multi manager funds, model portfolios and our approved product lists.

Lydia recently joined from AMP Capital, where as Head of Sector Multi-Manager she led the multi manager team of portfolio managers investing across all asset classes, private and public, in Australia and globally. Her previous roles included Senior Portfolio Manager (Fixed Income), Investment Specialist, and Co-Head of Quantitative Analysis & Risk Management (Fixed Income). Lydia holds a Bachelor of Commerce and Administration, with first class Honours in Economics, from Victoria University in New Zealand.

Andrew Garrett

Investment Director

Bio

Years of experience: 18 Years at Perpetual: 3

Provides investment research, portfolio construction and bespoke investment advice for Perpetual Private’s clients.

Andrew works closely with advisers by providing specialist investment knowledge on Perpetual’s investment process and strategy implementation, focusing on delivering optimal solutions to our stakeholders and partners. This is further augmented by his provision of transparent and accessible knowledge of financial markets and asset classes both globally and locally.

Having spent 15 years in London, Andrew returned to Melbourne with a wealth of international experience to benefit Perpetual’s clients and partners. Having started his career working on private equity transactions and stock market listings, he then spent time working on equity trading desks, before moving into investment management. In his role as a Portfolio Manager for Barclays Investment Solutions, Andrew managed money across multiple asset-classes on behalf of various client groups, before focusing on the charity and not-for-profit segment. With responsibility for as much as £3bn in assets, he developed a strong reputation for delivering robust investment performance linked to his comprehensive understanding of global investment markets.

Andrew is a holder of the Chartered Financial Analyst designation.

Emily Barlow

Investment Director

Bio

Emily is responsible for providing strategic advice and research to Aged Care and Not for Profit clients across Perpetual’s Private Wealth business.

Prior to joining Perpetual, Emily was a Senior Consultant at Mercer providing investment advice to a range of institutional clients specialising in superannuation and post retirement. As part of her role at Mercer, she also led a number of research initiatives on wellness, needs and solutions in retirement.

Before Mercer, Emily was an Investment Strategist at State Street Global Advisors (SSGA) in London developing new Defined Contribution investment products and building out SSGA’s European retirement offering.

Emily has 10 years of experience in financial services across Australia and the UK and is based in Sydney.

Emily holds a Masters in Chemistry from the University of Oxford, the UK Investment Management Certificate and the Chartered Financial Analyst designation.

Hugo Agudo

Portfolio Manager

Bio

Years of Experience: 21 Years at Perpetual: 6

Hugo joined Perpetual in May 2016 as a Senior Research Analyst with a focus on hedge funds and credit opportunities.

Prior to joining Perpetual, Hugo was a Portfolio Manager—Alternatives in IOOF’s multi manager business. Hugo was responsible for building and maintaining a portfolio of hedge funds, private equity, private debt and infrastructure. Prior to becoming a portfolio manager, Hugo was a Senior Research Analyst at IOOF with responsibilities in alternatives, asset allocation and international equities. Hugo was also a Research and Performance Analyst at AM Corporation which was subsequently acquired by IOOF.

Hugo holds a Bachelor of Science from Macquarie University.

David Blunt

Portfolio Manager

Bio

Years of experience: 13 Years at Perpetual: 7

David joined Perpetual Private’s Investment Research team in May 2015. David manages Perpetual Private’s growth alternatives portfolios, incorporating private equity, real estate, infrastructure and hedge funds. Concurrently, he leads the team’s effort in incorporating ESG, Responsible Investments and Impact investments across portfolios. Additionally, David is a non-executive director of the Utilities Trust of Australia (UTA) Trustee Board. David is a member of UTA’s ESG Committee.

David has over eleven years’ experience as an investment professional operating in a fiduciary environment. Prior to joining Perpetual, David held roles with ANZ and MLC where he was responsible for capital markets research, strategic asset allocation, investment manager selection and portfolio construction. Prior to MLC, David spent time with Liquid Capital Markets, a firm operating in global derivatives markets.

David holds a Bachelor of Arts with majors in Economics and Politics & International Relations from the University of New South Wales and a Graduate Diploma in Applied Finance from Kaplan Professional. Additionally, David completed the Australian Institute of Company Directors, Company Directors Course in 2017 and attained his Chartered Alternative Investment Analyst designation in 2018

Eddie Lee

Senior Research Analyst

Bio

Years of experience: 12 Years at Perpetual: 1

Eddie joined Perpetual Private’s Investment Research team in July 2022 where he is responsible for asset allocation, portfolio construction and investment manager research. Prior to joining Perpetual, Eddie was Associate Portfolio Manager at Australian Super and Portfolio Manager at Findex Group with experience across investment strategy, asset allocation and multi-manager research. At Findex Eddie was responsible for building and managing the tactical asset allocation process, portfolio construction and manager selection across asset classes using a total portfolio approach. Prior to that Eddie worked at Atchison Consultants working with a range institutional clients including superannuation funds, charities and endowments. Eddie holds a Bachelor of Economics and Finance from RMIT University in Melbourne, Victoria.

David Cohen

Senior Research Analyst

Bio

Years of experience: 23

David joined Perpetual Private’s Investment Research team in August 2022 where he will be involved in asset allocation, portfolio construction, investment manager research and development of responsible investment solutions.

Prior to joining Perpetual, David was the Head of Research at Evergreen Consultants leading manager research and assisting retail advisers build diversified managed accounts. He was also a Senior Investment Analyst at Atrium Investment Management focussing on liquid alternatives research, portfolio implementation and managing diversified portfolios.

David is a CFA and CAIA Charter holder and has completed the Masters of Applied Finance from Macquarie University.

Gregory Kynoch

Research Analyst NSW

Bio

Years of experience: 11 Years at Perpetual: 8

Greg has been with Perpetual Private for over 7 years, having recently joined the Perpetual Private’s Investment Research team in July 2021 with a primary focus on Australian equities, as well as other bespoke investment opportunities for Perpetual Private’s Wholesale advice clients.

Prior to joining the Research team, Greg has been a Senior Financial Adviser at Perpetual Private, providing investment portfolio advice and bespoke portfolio reporting and analysis to sophisticated Not-for-Profit and High Net Worth clients, across a broad and diverse range of sectors and client profiles. Before joining Perpetual, Greg also has past experience as an Adviser in boutique financial planning firms – AFPG and Dixon Advisory – as well as technical advice experience as a paraplanner at BT Financial Group.

Greg holds a Bachelor of Business with a major in Accounting from the University of Technology Sydney and is a Certified Financial Planner (CFP) with the FPA Institute. Greg has also passed the Level 2 exam for the Chartered Financial Analyst (CFA) program.

Stephen Kench

Head of Direct Equities

Bio

Years of experience: 27 Years at Perpetual: 12

Stephen is responsible for Perpetual Private’s direct equity investment and research capability, including stock selection and ongoing management of direct equity investment portfolios for clients (as managed accounts, or on an advisory basis). He provides detailed input on direct equities – company analysis & research, recommendations and portfolio structuring, and leads a team of five investment analysts across most key equity sectors.

Stephen has spent more than twenty years as an equity market specialist. Prior to joining Perpetual, he spent four years as a Senior Investment Analyst at Queensland Investment Corporation (QIC) in the domestic equity funds management team. He was primarily responsible for covering sectors such as Financials, Healthcare, Food & Beverage and Building Materials. Stephen also spent considerable time as a Senior Research Analyst at Macquarie Group, where he specialised in Banks and Diversified Financials.

Stephen’s academic qualifications underpin his extensive experience. He holds a Bachelor of Economics (Macquarie University), is an Associate of FINSIA and a Chartered Financial Analyst (CFA Institute).

Daniel Nelson

Portfolio Manager, Direct Equities

Bio

Years of experience: 15 Years at Perpetual: 10

Daniel joined Perpetual in 2011 as a Research Analyst within Perpetual Private's Direct Equities team. He is responsible for research of the Resources, Other Materials (building materials and chemicals), Energy and some Industrial sectors.

Daniel joined Perpetual after 4 years with Constellation Capital Management, a boutique funds manager, where he had responsibility for researching the Consumer Staples, Agriculture, Utilities and Telecommunications sectors.

Prior to Constellation, Daniel worked for Hoyts Corporation where he was Group Accounting Manager responsible for financial reporting and modelling of capital investment opportunities.

Daniel has completed the CFA program and holds a Bachelor of Science (Mathematics) and a Master of Commerce (Finance and Accounting), both from the University of Sydney.

Damen Kloeckner

Senior Research Analyst, Direct Equities

Bio

Years of experience: 8 Years at Perpetual: 4

Damen joined Perpetual in 2018 as a Research Analyst within the Perpetual Private’s Direct Equities team. He is responsible for investment analysis and research of Gaming, Consumer Staples and several other Industrials sectors, as well as supporting the team in small companies and other industry research.

Damen joined Perpetual following four years at Clime Investment Management, a boutique, value-oriented wealth manager, specialising in high net worth clients. At Clime, Damen had responsibility for ex-ASX 50 (mid-sized company) stocks, as well as many of the team’s quantitative processes.

Damen holds a Bachelor of Commerce (Finance and Commercial Law) from the University of Sydney and is a CFA Charterholder.

Desmond Tsao

Deputy Portfolio Manager, Direct Equities

Bio

Desmond joined Perpetual in 2022 as a Senior Research Analyst within Perpetual Private’s Direct Equities team. He is responsible for research coverage of the Media and Consumer Staples/Discretionary sectors as well as leading the team’s ex-100 small companies opportunities.

Prior to joining, Desmond was an Executive Director at Goldman Sachs Equity Research, during which he was part of the top 3 rated Financials team and had lead coverage of the Gaming and Media sectors. Before that he worked at ANZ for a number of years across Equities and Group Treasury.

Desmond is a CFA Charterholder and holds a Bachelor of Commerce (Finance and Economics) with Honours.

Amanda Chow

Head of Managed Accounts

Bio

Years of experience: 17

Amanda joined Perpetual in March 2022 and is responsible for Perpetual Private’s Managed Accounts and intermediary investment advice offer.

Prior to joining Perpetual, Amanda was Senior Manager of Investment Governance at Ironbark Asset Management. She was responsible for Ironbark’s Multi-Asset Investment Governance team, contributing to the delivery and ongoing oversight of investment solutions via managed accounts and multi-asset funds. Amanda has also held roles as an Investment Analyst at JBWere and MLC and as a Consultant at JANA.

Amanda holds a Bachelor of Commerce/Bachelor of Science from the University of Sydney and is a CFA Charterholder.

Alan Logan

Investment Director

Bio

Alan is responsible for partnering with independent financial advisers to support their investment offering through the design, development and management of industry leading tailored managed account portfolios. These are integrated with Perpetual’s extensive asset consulting, estate administration, charitable trust and NFP solutions supporting generations of families since 1886.

Alan has over 28 years senior leadership experience with some of Australia’s leading financial services companies (advice, asset management, superannuation, trustee and banking solutions).

His career covers State and National Roles with BT Funds Management, ANZ and MLC, incorporating AFSL Responsible Manager obligations and stewardship of HNW focussed, fee-based advice businesses. An experienced NFP and Family Foundation Director, he enjoys driving investment strategies that underpin philanthropic goals.

He holds an Advanced Diploma of Financial Services (Financial Planning), a Master of Business Administration and is a Graduate of the Australian institute of Company Directors.

Emma Pitts

Investment Implementation Manager

Bio

Years of experience 10

Emma has 9 years of experience with Perpetual Private, recently joining the Investment Research Team in 2023 as the Investment Implementation Manager. She is responsible for the team’s operational, governance, reporting and implementation processes.

Before joining the Research team, Emma was a Senior Financial Accountant at Optiver where she was responsible for financial accounting and management reporting activities. Prior to this she held various roles across Perpetual, including 5 years as an Accountant within the Fordham Group.

Emma holds a Bachelor of Business from the University of Technology Sydney and is a Chartered Accountant.

Devendran Moodley

Reporting Analyst

Bio

Devendran joined Perpetual Private’s Investment Research team in 2023 as the Reporting Analyst.

He is responsible for performance reporting, investment operations, governance, and investment implementation for Perpetual Private’s investment offering.

Prior to joining Perpetual, Devendran worked at Macquarie Group where he held various roles within its Banking and Financial Services division.

Devendran holds a combined double degree of a Bachelor of Applied Finance with Bachelor of Commerce (Professional Accounting) from Macquarie University. He has also passed all three levels of the CFA program.

James Chen

Quantitative Analyst

Bio

Years of Experience: 5

James joined Perpetual’s Investment Research team in 2023 as the Quantitative Analyst. He is responsible for the governance, reporting and analytics on the performance of Perpetual Private’s Multi Manager and Direct Equities investment portfolios.

James joined Perpetual from Insignia Financial where he was a Senior Analyst and responsible for governance, reporting, analytics and supporting implementation activities related to Trustees and regulatory approved changes. Prior to that he worked at ANZ Banking Group as a Research Analyst responsible for fiduciary research.

James holds a Master of Applied Finance from Macquarie University.

Hugo Goode

Investment Associate, Managed Accounts

Bio

Years of experience: 8

Years at Perpetual: 1

Hugo joined Perpetual Private’s Investment Research Team in October 2023 as an Investment Associate. In this role, he primarily supports the Head of Managed Accounts and Perpetual Private Investment Directors through the creation and ongoing maintenance of investment content and collateral. Additionally, he assists in communicating the Perpetual Private investment offer to advisers and intermediary sales on behalf of the Multi-Manager and Direct Equities teams.

Prior to joining Perpetual, Hugo spent four years working overseas in Vancouver, Canada for a wealth management firm as a Research Analyst. In this role, he primarily focused on the strategic and tactical asset allocation of the firm’s High Net Worth client base, across a broad range of asset classes and client profiles. Prior to that, he held roles in Sydney at BT Financial Group as a Customer Relations Consultant and TP ICAP as a Trainee Broker.

Hugo is a Chartered Financial Analyst (CFA) with a Bachelor of Commerce degree, majoring in Finance and Accounting from the University of New South Wales.

What is personal investment management?

Investment Management: Wealth managers oversee and grow their clients' investment portfolios. They select suitable investments, make asset allocation decisions, and continuously monitor and adjust the portfolio based on market conditions and client preferences.

Can someone manage my investments for me?

You can hire a broker, an investment adviser, or a financial planner to help you make investment decisions.

How can I manage my own investments?

What are the 5 phases of portfolio management?.

Evaluate your current situation. ... .

Figure out your investment objectives. ... .

Determine your asset allocation. ... .

Choose investment options. ... .

Monitor your portfolio and rebalance as needed..

What percentage does private wealth management take?

Most private wealth managers make money by charging a percentage of the assets under management (AUM). For example, a wealth manager may charge between 1% and 3% of the asset managed. But keep in mind that the larger the account, the higher the fees.