Financial Planning

A personalized strategy for each of your life goals.

We understand you’re saving for all different life events: retirement, a house, simply to build wealth, or all of the above. Your investment broker should adjust to your life — not the other way around.

Carrying out thorough and accurate research of the market is an essential part of being a Financial Broker. SPK Partners have been the gold standard in this field for over 30 years.

Our advice section provides Fund Fact Sheets and comparative Fund Performance details.

A solid asset allocation strategy often includes investments from a range of investment classes, the broadest of which include stocks, bonds, and cash. Investing in bonds can be an important element in your investment portfolio, helping to potentially:

Reduce fluctuations in the your portfolio value
Enhance investment income
Prepare for future expenses

Investing in bonds can help achieve many different investment goals, including income generation, portfolio diversification even growth.

Futures and commodities speculators can take advantage of highly leveraged exposures in both financial and nonfinancial markets (commodities such as energies, grains, meats and metals). That means they can buy futures contracts by depositing just a small percentage of the overall contract price. Their overall goal is to try and maximize profit from changes in the price of the futures contract.

Hedgers, those who hold a specific commodity (asset) or have a specific exposure (such as energy cost), often take a position opposite of the cash market to help reduce risks which is key to a solid strategy.

Unit investment trusts offer a simple, convenient and affordable way to develop a well-diversified investment portfolio of stocks and/or bonds without having to select, choose and manage the individual investments yourself which saves significant time.

The investments within a unit trust are fixed for a predetermined time, which means the investments do not change unless a company is bought or merged with another company or a company’s financial condition becomes irreparable. This means you always know what you own. Securities in the trust will not be sold to take advantage of market conditions.

Mutual funds are popular investments because they offer a cost-effective and efficient way to diversify your investments (or own a variety of securities — stocks, bonds, etc.) without having to make a large initial investment, which can be ideal.

When you purchase shares of a mutual fund, you’re pooling your money with other investors and letting the mutual fund (which is simply a professional money management company) invest and manage the money to help meet the fund’s specified investment goal (e.g., growth, income, or a combination of the two). It’s worth carefully considering this approach.

When it comes to stock investing, knowing your investment goal is crucial. That, along with your investing time frame and how much risk you’re willing to take when investing in stocks, will help you determine how your stock investments should work with the rest of your investment portfolio.

Stock investing can help your investment portfolio by providing potential growth, income from dividends or a combination of the two. However, the value of any stock can fluctuate over time so it may be worth more or less than you originally paid.


Exchange-traded funds (ETFs) or exchange traded products (ETPs) are similar to mutual funds in that they’re made up of a basket of securities. For ETPs, those securities include stocks, bonds, commodities, or indices. The main difference between exchange-traded products and mutual funds is that ETPs are traded like individual stocks on an exchange.

They are priced and can be purchased and sold throughout the trading day, and you can buy or sell ETP shares on a stock exchange much like the purchase or sale of any other listed stock. Traditional exchange-traded products are generally not actively managed and, typically generate fewer capital gains.

SPK Partners

We provide expert financial advice to both individuals and businesses. With over 30 years of experience we’ll ensure that you’re always getting the best guidance from the top people in the entire industry.

Trading derivatives is risky. It isn’t suitable for everyone and, in the case of Professional clients, you could lose substantially more than your initial investment. You don’t own or have rights in the underlying assets. Past performance is no indication of future performance and tax laws are subject to change.

SPK Partners ltd.

GPO Box 3144

120 Collins Street,

Melbourne VIC 3001,

ABN 84635465404


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