Worried about your investments heading downhill? is an Authorised Representative of RI Advice Group Pty Ltd

Worried about your investments heading downhill? is an Authorised Representative of RI Advice Group Pty Ltd

Worried about your investments heading downhill? is an Authorised Representative of RI Advice Group Pty Ltd

Worried about your investments heading downhill? is an Authorised Representative of RI Advice Group Pty Ltd My Name Financial

Worried about your investments heading downhill? is an Authorised Representative of RI Advice Group Pty Ltd JV logo

5 Disclaimer Important Notice RI Advice Group Pty Ltd, ABN , holds Australian Financial Services Licence Number and is licensed to provide financial product advice and deal in financial products such as: deposit and payment products, derivatives, life products, managed investment schemes including investor directed portfolio services, securities, superannuation, Retirement Savings Accounts. The information presented in this seminar is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. RI Advice Group strongly suggests that no person should act specifically on the basis of the information contained herein but should obtain appropriate professional advice based on their own circumstances.

6 Contents 1. Timing the market 2. Recovery from market crisis 3. Short term volatility vs long term consistency 4. Benefits of diversification & asset class returns 5. Financial planning strategies

7 1. Timing the market Time In Versus Timing Missing the best trading days can significantly affect returns. All Ordinaries Accumulation Index 31/12/1998 to 31/12/2008 Source: Iress

8 2. Recovery from market crises Source: Iress

9 2. Recovery from market crises Source: Iress

10 2. Recovery from market crises Source: Iress

11 3. Short term volatility vs long term consistency – Australian Equities Source: S&P/ASX300 Accumulation Index, Iress Volatility of shares - Australian market Rolling periods from 31 December December year 10 years

12 Source: MSCI World Accumulation Index, Iress Volatility of shares - US market Rolling periods from 31 December December year 10 years 3. Short term volatility vs long term consistency – US Equities

13 Diversification can create more consistent returns Australian shares Global shares Australian property securities Australian fixed interestCash %26.0%2.3%14.9%18.5% %-15.1%8.7%19.0%16.1% %20.2%20.1%24.7%11.2% %4.5%7.0%10.4%6.9% %24.4%30.1%16.3%5.4% %-8.1%-5.6%-4.7%5.4% %25.9%12.7%18.6%8.0% %6.3%14.5%11.9%7.6% %41.1%20.3%12.2%5.6% %32.1%18.0%9.5%5.1% %17.1%-5.0%-1.2%5.0% %2.2%17.8%12.1%6.3% %-9.7%14.6%5.4%5.2% %-27.2%11.8%8.8%4.8% %-0.5%8.8%3.0%4.9% %10.3%32.0%7.0%5.6% %17.0%12.5%5.8%5.7% %11.7%34.0%3.1%6.0% %-2.1%-8.4%3.5%6.7% %-25.3%-54.0%14.9%7.6% Average 8.9%5.9%7.5%9.5%7.3% Timeframe: 31/12/ /12/2008 Data: Australian shares - S&P/ASX 300 Accum. Index, International Shares - MSCI World (ex Aus) in $A, Listed Property Trusts - S&P/ASX 200 Prop Trust, Australian Fixed Interest: Commonwealth Bank Bond Index (Pre Sept 89) / UBSA Composite Bond All Maturities Index (Post Sept 89), Cash: 11am Cash Rate (Pre Apr 87) / UBSA Bank Bill Index (Post Apr 87) Source: RBA, IRESS

14 4. Asset class returns - Historical Timeframe: 31/12/ /12/2008 Data: Australian shares - S&P/ASX 300 Accum. Index, International Shares - MSCI World (ex Aus) in $A, Listed Property Trusts - S&P/ASX 200 Prop Trust, Australian Fixed Interest: Commonwealth Bank Bond Index (Pre Sept 89) / UBSA Composite Bond All Maturities Index (Post Sept 89), Cash: 11am Cash Rate (Pre Apr 87) / UBSA Bank Bill Index (Post Apr 87) Source: RBA, IRESS Growth of $ over 20 years Australian shares $54,970 Global shares $31,620 Australian property securities $42,111 Australian fixed interest $61,917 Cash $41,151

15 5. Financial planning strategies Given the recent market volatility, the following are some possible options for further discussion: Re-visit your Investor profile –Risk Profile Re-balance your portfolio –Growth vs Defensive to Strategic Asset Allocation Set up a Regular Investment Plan –Dollar Cost Averaging Pension Drawdowns –Use of defensive asset classes for funding pension income

Thank you