Our Team
Wealth Creation
The goal of wealth creation is to increase the value of your investment portfolio over time, to help you meet your long-term investment objectives and provide you with greater financial security.
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Equity-based funds are often a staple ingredient in a wealth creation strategy, because they generally offer the prospect of capital growth as the companies they invest in grow their own profits and balance sheets.
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However, not all equity funds are the same, and you should read the information about each Copia wealth creation style fund to understand the nature of its investments and risks.
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For example, some Copia equity funds can invest globally, while others are Australia-only. Others can invest in large listed companies, while others focus on mid-sized or even smaller-sized companies.
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While equity funds can provide excellent growth potential for your portfolio, they can introduce increased risk and capital volatility, particularly in the short term. Generally, by adopting a longer time horizon a lot of this short-term risk can be reduced, because there’s a greater chance any decline can be followed by a period of positive performance.
Wealth Creation
Studies show that more than half of Australians fear they will outlast their retirement savings.1
A key challenge is that during retirement, Australians are no longer receiving a regular wage, and outside of the pension, we often need to rely on the performance of our retirement nest egg (the wealth we have created) to fund our lives.
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In a low interest rate world, the options for an investment product to provide reasonable income above say 4%, with relative safety of your capital becomes more limited. The returns of both term deposits and annuities tend to suffer as interest rates decline.
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While equities can provide attractive income and capital growth potential when interest rates are low, there is a higher risk of capital loss in the short term.
What if an equity fund can target the attractive income and still focus on preserving capital when markets are volatile?
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Copia’s flagship equity income offering seeks to deliver exactly that, and is designed to meet retiree needs of income with less volatility than the sharemarket.