"Real risk is simple: not enough cash when money is really needed – like running out of gas in the desert.”
- Charles Ellis

Do you know what risks you are taking with your investments?

Are you sure?

It would be very hard to go through life without being exposed to risk of one kind or another.

We’re here to help you plan efficiently and invest successfully

What is important is to understand and be aware of the risks you are exposed to and what can be done to control them, where possible. We often come across people who thought they had no risk exposure when the opposite was the case.

Your need to take risk is directly tied to your rate-of-return objective.

Risk implies uncertainty from achieving an expected outcome in the future.

We assess and discuss with you:

Your NEED to take risk.
Your TOLERANCE for risk.
We also look at ways to avoid unnecessary risk.

Efficient Financial can add value by determining the level of risk an investor can assume in order to achieve the returns that are available.

This is accomplished by the Investment Policy Statement which sets out the risk and return objectives, provides a road map to reach a destination such as retirement or funding education expenses.

There is a skill in minimising risk, while at the same time, meeting the objectives.

Often there will be a trade-off, between the level of risk acceptable, and the returns desired.

At Efficient Financial we use different methods to try and understand what type of person and investor you are, and what level of risks are appropriate for you.

Remember, there is no such thing as a Risk Free Investment.

“Life is inherently risky. There is only one big risk you should avoid at all costs,
and that is the risk of doing nothing”.

- Denis Waitley, American motivational speaker and writer, consultant and best-selling author.