Investment Advice
Grow your wealth through tailored investment advice and an asset-agnostic approach.
The MiQ Difference
What Makes Us Leading Investment Advisers?
Investors in Australian markets trust MiQ for a reason. Read our full investment philosophy.
- A diverse approved product list (APL)
- Access to exclusive products like hybrid IPOs
- An asset-agnostic approach that mediates risk
- Specialist advice for SMSF investment
Client Testimonial
“I’m not one to leave reviews but my recent interaction with Kylie has been so pleasant and seamless, I could not, not share the experience. She has been prompt and transparent with me through the whole process, which has made it a lot less stressful, and I could not thank her enough for it.”
Viv Dinh
BRISBANE
Our Investment Solutions
What We Do
Investment Strategies
Deploy Your Capital More Effectively
90% of an investment strategy’s effectiveness comes from asset allocations:
The asset classes you invest in and the percentage of your portfolio each one comprises.
But choosing the right asset mix isn’t simple.
Your adviser needs a broad-based approved product list and an asset-agnostic approach – not a narrow APL of affiliated products or a bias towards a particular asset class.
That’s where MiQ can help.
Book a free 30-minute consultation to learn more about our wealth creation services.
Ownership Structures
Tax-Efficient Vehicles for Investment Assets
Whether you’re buying a property, investing in bonds, or looking at alternative assets like art, choosing the right investment vehicle is critical.
Different vehicles come with different risk profiles, return potential, and tax considerations – even if they’re in the same asset class.
(For example, directly acquiring residential property is very different to investing in a REIT.)
Your MiQ adviser can help you explore different options, giving you the advice you need to make an informed decision.
Passive Income Planning
Build Passive Revenue Streams
Investing for passive income isn’t the same as investing for appreciation.
You need a commitment to cash flow-rich asset classes – generally, positively geared real estate or high-dividend equities.
But optimising for passive income can increase your risk profile, leaving you vulnerable to sectorial changes.
With the right strategy, though, you can find a balance between income and risk, generating consistent revenue while creating a financially secure future.
Find out how our investment advisers can help.
Interested in property investment?
With an SMSF, you can invest in real estate and pay less on rental income and CGT.
Your Investment Questions, Answered
FAQs
Strategic asset allocation is a way to diversify your investment portfolio. It refers to the mix of different asset classes that your portfolio contains. Normally, an adviser creating an investment strategy with strategic asset allocations will set percentage targets or ranges – the ideal amount of your portfolio that each asset class should comprise. Once targets have been set, your portfolio can be adjusted as market conditions change to preserve the target percentages. Research has shown that strategic asset allocation is the primary driver of good investment outcomes.
Tactical asset allocation, on the other hand, refers to adjusting your portfolio to take advantage of short-term market movements. While tactical asset allocation can yield positive results, it’s hard to get right consistently and adds a higher degree of active management risk.
There is no single answer to questions comparing asset classes. Both property and shares have advantages and disadvantages, and the percentage of your portfolio that each should comprise depends on your personal circumstances, risk tolerance, and time horizons.
Some advantages of investing in property include:
- the ability to negatively gear your investment through tax-deductible costs
- greater historical appreciation (an average of 412% over the past 25 years)
- the ability to leverage equity to take out more mortgages
- depreciation claims
- rental yield
- owning a physical asset
- the ability to use your investment, either as a primary place of residence or as a rental property.
Some disadvantages of property include:
- the higher costs associated with buying and selling property (such as valuations, land tax, inspections, agent fees, legal fees, conveyancing costs, and transfer/stamp duty)
- maintenance costs
- needing to make repayments on a large loan
- needing to find and manage tenants (if you’re buying an investment property and not a PPR)
- needing to borrow money from a lender (which may come with costs)
- insurance.
Some advantages of shares include:
- the ability to invest with a relatively small amount of money
- much greater liquidity
- much greater diversification and reduced risk
- dividends
- franking credits.
Some disadvantages of shares include:
- owning digital assets
- lower historical appreciation
- fund management and brokerage fees.
Tactical asset allocation isn’t the same thing as an actively managed fund. In an actively managed fund, investment managers will typically try to beat the market by analysing shares of particular companies and investing in them.
Tactical asset allocation, on the other hand, can take place across markets and within the percentage ranges set by your strategic asset allocation. For example, if you had a strategic asset allocation of 30% in the ASX 200, 30% in real estate, 20% in exchange-traded Treasury bonds, 15% in private debt, and 5% in futures, you might set a 3% range to either side of those targets. That would mean you could have 27–33% in ASX 200, or 12–18% in private debt. Within those ranges, an investment manager might take advantage of market movements to beat the returns that would have otherwise been yielded by sticking exactly to the targets.
An approved product list (APL) is a list of financial products that an AFS licensee (like a financial adviser) has researched and approved. By finding and pre-approving high-quality products, AFS licensees can manage risk more effectively.
When you’re comparing financial advisers, look for a licensee that has a diverse APL with mostly unaffiliated products (like MiQ Private Wealth). Some licensees only offer a handful of products, which makes it unlikely that you’ll find the best possible product for you. Others only include affiliated products in their APLs – that is, products owned by their company or a related entity.
It’s also important to understand that, even with a broad APL, advisers can still push you towards products with higher commission. If a financial adviser ever strongly recommends a certain product without any real justification, ask about their commission on that product and how it compares to their commissions on other products.
No. MiQ Private Wealth is an AFS licensee, but we don’t provide property advice. Instead, we work closely with property professionals, such as buyer’s advocates, to help you identify the best investment property for your needs.
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