Discover Your Investment Journey

Whether you're just starting out, making progress, or nearing retirement, we provide tailored investment strategies and support to help you achieve your financial goals.

Who are you?

Let’s start with 2 ways to consider your preferred investment approach:

Where you are now?

  • This typically refers to when I am new to investing. I might be less familiar with the market and am in the process of learning the basic principles and strategies of investing.

  • This describes my phase of having gained some experience in investing and making progress in accumulating wealth and building my investment portfolio

  • I am approaching retirement age. My investment strategies might be more conservative, with a focus possibly on capital preservation and generating stable income.

Where’s your investing comfort zone?

  • This refers to when I prefer actively managing and adjusting my investment portfolio. I might pay more attention to market trends, asset allocation, and regularly rebalancing my investments.

  • In this approach, I tend to adopt a more passive approach to investment strategy and management.

  • This describes a beginning stage or newcomer status in investing, where I have relatively little knowledge and experience in the field and may require more guidance and education to develop investment strategy.

We will look at some of the investment options we facilitate access to below.

If you would like help assessing these factors in light of your personal situation, feel free to reach out to our team.

Our Advice Process

When it comes to advising you based on your personal circumstances, our team follows this proven process:

Start with a Kick-Off Discussion

This is a free exploratory chat to understand your goals and objectives and work out what directions we could go next.

01

Building Up A Game Plan

We focus on understanding both you and the environment including market trends, regulatory frameworks and so on to tailor the most effective strategy for your needs. By comparing various products and approaches, we ensure the actions we recommend are the best fit for you.

02

Formal Strategy

Based on our learnings and insights we craft a formal, written  Statement of Advice (SoA), outlining clear actions aimed at achieving your specific goals. This document is your tailored masterplan which details the next steps forward.

03

Implementation

After final sign-off we’ll make sure the plan is actioned and you can actually start progress along the carefully mapped out pathways to your financial goals.

04

Check-in and Support

We’re known for our long term care and support. We will keep you updated about the progress but importantly as circumstances change we will have regular checkins to keep things on tracked and aligned.

05

2 essential considerations on your journey to wealth:

Personalised Wealth Pathways

Regardless of your financial starting point – whether you're already managing substantial assets, just beginning your wealth-building journey, or somewhere in-between with varying degrees of disposable income and saving capacities – there's a wealth pathway uniquely tailored to your situation. 

Leveraging Modern Financial Tools and Products

In today's era of advanced digital services, electronic transactions, and the transformative power of big data and AI, your journey to wealth extends far beyond traditional methods like superannuation funds or stock investments.

We're committed to providing access to these cutting-edge technologies and high performing products to provide an integrated approach to your financial management.

“Our goal is to maximize your financial outcomes, harnessing the full potential of innovative financial tools and proven products to create a comprehensive, efficient and personalized wealth-building pathway that delivers for you.”

“Okay, so how can I access truly modern pathways to wealth?”

Our approach is designed to empower you to align with your situation and goals, ensuring that everyone has access to a strategy that fits their needs and optimises every aspect of your financial life.

To deliver this for you, at Brightday we’ve built a unique platform which brings together 7 critical success factors which working together help us provide better pathways just for you.

Values

At first glance this may seem pretty meaningless because everyone talks about ‘values’, but we do more than that. Like Google’s original “Do no evil” ethos, everything we do, particularly the products, technology, systems and people that we bring to assist you are based on our values of Trust, Proactivity, Support. 

Learning

While we have great people and technology to hold your hand and guide you, all of us will be more effective and efficient the better informed and the greater your level of understanding, awareness and knowledge of financial and investment topics and trends is. So we’ve developed a program with innovative teaching elements to help you improve and sustain your knowledge over time.

Tools

We stay across new developments in the type of financial services available and how they are accessed to make sure they fulfil your needs and provide the long-term performance and protection you need.

Savings

A key part of the financial equation is the expenses side and we’ve looked closely at how we can help you maximise your outgoings to drive your dollars further. That doesn’t just mean cutting back or improving tax arrangements (which may be appropriate) but also helping you get more for dollars spent through better value, savings or rewards.

Advice

We help you find the best pathways and strategies just for you, through our team who can lead you or enable you to do it your way with assistance and backup. The way our team works is driven by our values of trust, proactivity and support.

Investment

At Brightday we expand your investment options beyond the usual choices by enabling access to special funds, strategies and models that are difficult for many to reach. These are integrated with practical tools and expert advice to enhance their effectiveness and efficiency deliver long-term, superior results and help you achieve your financial goals.

Compliance

We were appalled to hear about some of the industry behaviour exposed in recent years and while we were founded on customer-centric principles which include always working in your best interest, we doubled down on how our values are implemented in day-to-day activities and decision-making. We have a team dedicated to compliance and who are empowered to say something and do something wherever they see the need – and at the same time our complete team are working within frameworks that promote trust, proactivity for customers and support and service.

Did you notice that we didn’t even talk about performance or returns on this or that individual fund or investment above?

Why not?

Simply because looking after our customers with consistent actions driven by a culture based on our values of trust, proactivity and support, which is bolstered by coordination and integration across the six other success factors delivers a net outsize performance over time.

And what do you need?

Starting Out

Many Millennials and Gen Z are focused on establishing financial independence and a foundation to build financial security and growth on.

You might be managing the effect student loans on your income, juggling housing, transport and other living costs and starting to save and build a deposit, and you may even enjoy the challenge of learning as you go while dabbling in crypto and other digital assets.

While there may be a thrill and a sense of intrigue and challenge in volatile digital markets, this is a crucial time to develop good financial habits, set long-term financial goals, and begin the journey towards achieving them, which may include buying a home, saving for retirement, and building an emergency fund.

Building

If you finished high school in the 1980s or 1990s (yes that means you’re now your 40s or 50s), you’ve already accrued a lot of hard-won experience and statistically (meaning for most people) this is the period of your highest earning potential. Sounds great right?

Timing is critical and now is the time to build and leverage those advantages and the foundation you’ve worked hard to establish. Often we find people maximising savings and investments, particularly in property, consolidating debts and acting on a strong motivation to invest and prepare wisely for retirement.

There are a lot of moving parts and if you’re at all concerned about that it’s also a crucial time to refine your financial strategy, ensuring that you're well-prepared for current and future demands, and beyond that with a solid plan for retirement, estate planning and getting into a good place to leave a legacy for the next generation and making an impact on causes you feel strongly about.

Accomplished

As someone with significant assets and investments, you navigate a unique financial landscape. Your financial management already may involve complex strategies, including diverse investment portfolios, astute tax planning, and detailed estate planning.

It’s a lot to cover and the need for personalised financial advice is paramount so you can ensure the protection and growth of your substantial wealth to achieve your personal and high impact legacy goals.

Know your options

Superannuation

Superannuation is a compulsory system in some countries like Australia, where a portion of your earnings is put into a fund to support your financial needs in retirement.

When planning for superannuation, it's important to understand the different types of contributions, investment options, fees, and insurance coverages that your fund offers.

SMSF (Self-Managed Super Fund)

A Self-Managed Super Fund (SMSF) is a private superannuation fund that you manage yourself, giving you greater control over your retirement savings. SMSFs can have up to six members, all of whom are usually friends or family members.

The flexibility of an SMSF allows members to invest in a broader range of assets, including direct property and unlisted shares, offering potentially higher returns but also higher risks.

Super Strategy

Compare industry super funds today using the below super comparison tool. Whether you’re looking to switch to a more competitive fund or need to decide which fund to consolidate your super into, you’ll benefit from seeing direct comparisons between your options.

Don’t miss out on increased growth opportunities by not making the comparison today.

When choosing your preferred fund, consider their return history, fees, insurance options, and investment flexibility to make sure it’s the right choice for you.