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THE ALLIOTT INVESTMENTS REPORT NOVEMBER 18, 2009

The key focus of Alliott Investments is the prudent and disciplined approach to the creation and protection of our clients wealth.

IN THIS UPDATE....

        PERMANENT DISABILITY - A permanent end to your financial security?
        DIVERSIFYING INTO THE COMMODITIES SECTOR       

People who become disabled must come to grips with a whole new way of life.

Approximately 3% of the total adult population is disabled.  Many disabled adults must rely on the invalid’s benefit from the Government in order to provide for their basic needs such as rent/mortgage, food and other bills.

Could you survive on the following benefits?

Maximum invalid benefit rates as at 1 April 2009 (weekly after tax)

Single                     $237.97

Couple                   $396.62

Sole parent            $312.62

        
Source:  Work & Income New Zealand. Other family related benefits may also be available depending on personal circumstances.

Talk to Alliott's insurance consultant, Gerard Gill, on how you can maintain your financial security if you were to suffer an injury or illness. Call him on (09) 520 9200 or email him here.

WHAT CAN I DO TO PROTECT THE DOWNSIDE?

Will the world economy continue to recover?

For investors this question is not just academic, but critical to their decision-making process.  If the answer is “No” then currently, bonds look relatively more attractive than equities (shares).  If the answer is “Yes, and robustly”, equities should be able to sustain their recent strong gains.

The fact is, the world economy is still somewhat fragile and vulnerable and who knows how, if another financial crisis befalls us, different sorts of investments will be affected.

The important thing for many people is to have a strategy that takes both improving and deteriorating conditions into account.  And, for most people, protecting wealth against the downside is more important than positioning for a possible upside.

An often overlooked investment sector is commodities: oil, minerals like gold and copper, soybeans, wheat, milk powder etc.

The contribution that commodities can make to your investment strategy is that they are quite different to shares, property and bonds.  Thus, by spreading some wealth into commodities you improve your chances of avoiding having too many of your eggs in the wrong basket.

If you feel that some diversification away from just the traditional sectors would be beneficial, we can suggest some excellent options.

Email db@alliott.co.nz or phone Alliott's on (09) 520 9200 and ask for David Burt or Alexandra McKenzie.

A copy of a Disclosure Statement is available on request, free of charge.

ALLIOTT INVESTMENTS ADVISORS

INSURANCE AND KIWISAVER ADVISOR GERARD GILL

Gerard is an insurance consultant who operates his own independent brokerage company specialising in both business and personal risk protection and KiwiSaver advice.

In 2008 and 2009 Gerard was named Professional Investment Services (NZ) Adviser of the Year.

INVESTMENTS ADVISOR DAVID BURT

David is an independent investment specialist with responsibility for managing portfolios for many of Alliott NZ's clients.

He offers a consultancy service advising on such matters as reviewing the investment strategies of a family trust, appraising managed portfolios and calculating retirement or other personal funding needs.

David also can assist with the migration of UK pension funds to New Zealand and has found that, in most cases, a proportion of the funds can be immediately freed up as ready cash.

David Burt’s Disclosure Statement is available free of charge upon request.

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