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A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
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Had an amazing weekend at this amusement festival ...

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Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

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I'm still very much a kid at heart. I still ...

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I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

peninapetersen

Finally got my hair and eyebrows done. It was so ...

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Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

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Me too! I must have flowers, always, always! Thank...

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Me too! I must have flowers, always, always! Thank you Monet.

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Love this delicious smoothie bowl with fresh ...

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Feb 27

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Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

peninapetersen

Lacking motivation? I keep a gym box so on any day...

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Feb 26

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Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

peninapetersen

I loved this home project. Firstly, moving books ...

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Feb 26

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I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l

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Want to save but don't know where to start. ...

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Want to save but don't know where to start. Go old school with these simple jars. Savings is a habit. These are a quick way to kickstart your mind into saving. Think outside the square. Sometimes you have to spend a little to save alot. More on this to come. I've got some amazing goodness for you. Auto Post 4:23 PM (AEDT) Save Changes
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                      Modern ways to achieve positive returns in volatile markets

                      by Penina Petersen
                      February 6, 2021
                      in Investment, Latest, Make Money, MONEY
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                      I’m taking a break from the domestic bliss of motherhood and penny-pinching today to learn more about investment. Since EOFY has just past, I’m going into fully-fledged ‘money mode’ this month, as I do every year- just before June 30 hits.

                      This week (aside from the renovation and looking for a mortgage broker), I’m on a mission to demystify some modern investment ideas and put them into a language and format we can all understand.

                      Recently, I was invited to attend a webinar on “Strategies for Positive Returns in Volatile Markets.” As a mummy blogger I wondered how I’d go sitting in a webinar where the language and concepts seemed complex. But once I cut through the jargon – I realised these concepts were fairly simple to understand.

                      Read on to discover what I learnt at the webinar including the concept of Absolute Return Investing and how investment solutions companies are leveraging savvy skills and systems to make wins for their clients in today’s volatile markets.

                      The webinar that I attended was hosted by a company called Netwealth they’re a business that provides their customers with access to something called a ‘super and investment platform’. To simplify what that is – it’s basically an online site that helps people to manage their own superannuation (yes, you can do it yourself!) and investments (things like stocks in companies, term deposits, and professionally managed portfolios that you can buy into).

                      Each month Netwealth hosts a portfolio construction webinar where they invite a professional investment portfolio manager along to speak about a particular investment strategy or concept – it’s a way to help people who want to be in control of their own super and investments to get a better understanding of how they might go about the process.

                      I know, it might sound a little bit complicated! But I found out at the webinar that the concepts are easier to understand than I thought they’d be!

                      This month’s Netwealth webinar was aimed at anyone who is concerned about current market conditions, and the presenter was from a company that has investment options available through the Netwealth platform, they are called Prime Value – and they basically manage investments on behalf of people. This article is a case study on what I learned during the session about a strategy for investing to safeguard your portfolio during rocky times in the stock market.

                      The ‘Absolute Return’ Investment Strategy

                      So, the investment strategy that was presented by Prime Value at Netwealth’s webinar was ‘Absolute Return Investing’. But what on Earth does that mean?

                      Firstly, the goal of Absolute Return Investing is to produce positive returns over a period of time, whether or not a market is stable or not. Further, this style of investing deals with the return of an asset, which is not the case with other strategies like Relative Return Investing.

                      Here’s Wikipedia’s formal definition of Absolute Return Investing:

                      The absolute return or simply return is a measure of the gain or loss on an investment portfolio expressed as a percentage of invested capital.

                      1. Let’s go back in time a little:

                      Traditionally Long-Only Equity Funds were popular

                      Forbes report the following:

                      The logic behind long-only equity, that risky assets deserve higher growth potential and straight market exposure will provide acceptable returns, works well in the ivory tower of modern portfolio theory, but often takes decades to deliver results in practice. Those who believe in active management make the additional assumption that manager judgment can add significant value over time. Few investors have enough patience for either of the above to hold true.

                      Absolute Return Investing is becoming a popular trend because the funds are NOT linked to any particular share market index.

                      Here’s the brief on why Absolute Return Investing is gaining popularity:

                      • Returns – In unstable economic growth environments equity market returns can be volatile
                      • Opportunities – Benchmarks can be inefficient and ‘backward looking.’
                      • Diversification – Absolute Return Investing can have low correlation to equity markets
                      • Preserve Capital – Lower volatility offers downside protection
                      • Complements – Can complement long only funds and direct holdings

                      Investing in volatile markets

                      Firstly, there’s a focus on stock selection, which is important. But this is only half the process. The other half of the process is portfolio construction.

                      Professional investment portfolio managers, like Prime Value, use their expertise to research the best companies to invest in on behalf of their clients. Of course, their goal is to maximise the investment and NOT lose money in the stocks that are invested in.

                      According to Prime Value these factors are important:

                      • Diversification of equity risk is a key capital investment feature
                      • Balancing these features so the portfolio is both diversified and opportunistic in the market
                      • Focus on Absolute Returns and risk is the best way to get this balance right

                      Portfolio Construction

                      Opportunities are segmented into five key sectors such as below. This is quite different from a typical index.

                      NETWEALTH_2

                      This is how companies are categorised and the portfolio is built out and constructed. Then this is put into practice with stocks and companies.

                      These are the kinds of opportunities that portfolio managers might look for and analyse on behalf of their clients:

                      • Strong market position
                      • Mature industry structure
                      • Weakening competition
                      • Ability to consolidate
                      • Good management
                      • Market leaders
                      • Steady and sustainable earnings
                      • Strong balance sheets
                      • Efficiencies in business and developing new markets
                      • Excellent dividends and yields
                      • Exponential growth
                      • Large fixed subscriber base
                      • Ownership of infrastructure
                      • New markets
                      • Leverage scale
                      • Acquisitions
                      • Scope for operating cash flow growth improvements
                      • Deep and focused management strength
                      • Balance sheet with excess capital requirements
                      • Insurance industry structure is positive for revenues
                      • Positive outlook
                      • Reduced capital requirements
                      • Improved returns on capital
                      • Simplifying complex groups producing clearer lines and focus on profitability
                      • Asset developments
                      • Asian investment into Australia
                      • Major gateways and beneficiaries from Asian investment (E.g Sydney Airport)

                      A typical portfolio is robust and quite different from an equity fund. They look for core companies with sustainable earnings and build out the portfolio from there.

                      In summary, they start with Core and end with Thematics – to build out a client’s portfolio. See image below.

                      NETWALTH_3

                      Investment Philosophy

                      The goal is produce positive returns for clients

                      • The focus is on company fundamentals, constructing diversified portfolios and ability to hold 100% of the Fund in cash
                      • Aligned interests – Avoiding exposure to unfavourable climates
                      • Minimising mistakes by identifying winners and avoiding losers
                      • Focus on fundamentals such as management (as operators and investors), quality and growth of the business over time, transparency of the business and attractive valuations

                      If you’d like to learn more about this investment strategy for achieving positive returns in volatile markets visit Netwealth’s website to watch the full webinar recording. 

                      Or sign up for their next webinar

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                      Penina Petersen

                      Published Author, blogger, mumpreneur and eco-warrier.

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                      A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
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                      Had an amazing weekend at this amusement festival ...

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                      Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

                      peninapetersen

                      I'm still very much a kid at heart. I still ...

                      View

                      Mar 1

                      Open
                      I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

                      peninapetersen

                      Finally got my hair and eyebrows done. It was so ...

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                      Feb 28

                      Open
                      Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

                      peninapetersen

                      Me too! I must have flowers, always, always! Thank...

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                      Feb 28

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                      Me too! I must have flowers, always, always! Thank you Monet.

                      peninapetersen

                      Love this delicious smoothie bowl with fresh ...

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                      Feb 27

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                      Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

                      peninapetersen

                      Lacking motivation? I keep a gym box so on any day...

                      View

                      Feb 26

                      Open
                      Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

                      peninapetersen

                      I loved this home project. Firstly, moving books ...

                      View

                      Feb 26

                      Open
                      I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l
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                      Limitless no-fail cleaning motivation

                      February 9, 2021

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