Investment Advice

At Humphrey Partners, we specialise in investment advice in the Brisbane area and beyond.  

We put investment advice and strategy before financial products.  Furthermore, we rebate all investment commissions received from investments where the investments contribute towards a client's Funds Under Management (FUM). Our investment advice is tax-focused and customised to your personal circumstances and views.

Common questions asked by new and existing clients include:

"What are the benefits of investment advice?"

"What are typical fees for investment advice?"

"What is the best way to build wealth?"

At Humphrey Partners we:

  • Do not believe market cycles can be timed successfully time after time;
  • Acknowledge there are good and bad times to invest; and
  • Are very aware that equity markets are a leading economic indicator and a recovery from a bear market can happen before economic data suggests.

We endeavour to maximise client wealth by tailoring our investment advice to their investment views and preferences.  Determining our clients' investment risk profile is an integral step in our investment advice.

What can we do for you?

Our investment advice includes recommending:

  • Active fund managers (generally we recommend Individually Managed Accounts - see below)
  • Passive fund managers (Index tracker funds and ETFs)
  • Investment strategies specific to client views, including writing covered calls (buy/write strategy), hybrid bonds, etc
  • Direct residential and commercial property (see our property advice page)
  • Sourcing of firm stock of placements and IPOs (equities and bonds).

What we don't or rarely recommend

  • Structured products
  • Tax effective schemes (ie Agribusiness)
  • Hedge funds (mainly due to their lack of regulation)
  • Mortgage funds.

How we select our investments

We favour investments and investment managers that attempt to maximise investors' after tax investment returns. Sadly, our after tax investment return focus is not common amongst the financial planning community.  Other considerations are:

  • Investment fees
  • Transparency of the fund
  • Track record of the fund manager (not the fund itself)
  • Internal gearing
  • Client risk profile
  • Structure of the investment (ideally Individually Managed Accounts).

After tax investments returns are enhanced with low investment turnover and the ability to sell stocks before year-end to crystallise either capital gains or losses.

Low investment turnover results in:

  • A higher portion of tax credits attached to dividends (due to the 45 day rule); and
  • Higher unrealised capital gains, which reduces taxable income and hence tax - capital gains tax can be discounted by up to 50% if investments are held for more than 12 months.

Humphrey Partners is conveniently located on the outskirts of Brisbane's CBD.

" I contacted Humphrey Partners through a website enquiry seeking professional advice including a life insurance review. Chris took the time to fully understand my financial position, goals and needs to provide me with timely, relevant and easy to understand personal advice. This allowed me to make an informed decision about the types of insurance I really needed, my appropriate levels of cover and how to structure my cover to get the best value for my money."

Carmel White