Page 7 - FWP Wealth Adviser newsletter - July 2025: Issue 116

ISSUE 116
JULY 2025

REITs, and defensive assets is the backbone of resilient a licensed adviser can provide tailored guidance and peace
wealth. By spreading investments across different asset of mind.
classes and strategies, Australians can reduce the impact
of any single market downturn and position themselves Conclusion: Structure, Simplicity, and Long-
for more consistent long-term returns. Regular reviews Term Success
and rebalancing ensure that portfolios remain aligned with Australian investors can achieve lasting financial well-be-
personal goals, risk tolerance, and changing circumstances. ing by focusing on diversified, accessible strategies—espe-
cially through ETFs and managed funds—rather than relying
Navigating Market Cycles: Staying on Track on direct stock picking. By blending these approaches with
Market ups and downs are a fact of life, but investors can disciplined processes and regular review, you can build
stay the course by relying on structured processes rather wealth and resilience for the future, regardless of what the
than emotion. Automatic rebalancing, dollar-cost averag- markets bring.
ing, and periodic portfolio reviews are practical tools that
help maintain discipline. Many platforms offer features to
automate these processes, making it easier to stick to a plan References
and avoid costly mistakes. • “9 Winning Investment Strategies”, Firstlinks, Graham Hand, 2024.
• “How to Build Wealth: 7 Smart Investing Strategies for Australians”,
Taking Action: Steps for Australian Investors Canstar, 2024.
Building wealth and resilience doesn’t require complex • “Financial Resilience: How Australians Can Prepare for Economic
strategies or constant monitoring. Start by clarifying your Shocks”, The Conversation, 2023.
goals and risk tolerance, then build a core portfolio with • “ASX Long-term Investing Report”, ASX, 2023.
broad-market ETFs. Layer in sector, thematic, and defensive • “RBA Bulletin”, Reserve Bank of Australia, 2022.
funds as needed, and automate regular investments to • “CoreLogic Property Market Report”, CoreLogic, 2024.
benefit from compounding and market smoothing. Schedule • “MoneySmart”, Australian Securities and Investments Commission
periodic reviews to adjust your allocation as your life and (ASIC), 2025.
goals evolve. For those seeking extra confidence, consulting

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