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Investment
Strategies

  • Why do I need a financial adviser?
    Because life is busy and the last person you look after is yourself. The hardest part of anything is starting. Let us take the ‘hard’ out of starting so you do it sooner. The best time to start was 20 years ago. The second-best time is now.
  • What if I don't understand?
    You will, or it's us who have failed. The mark of intelligence is taking something complex and making it simple. That's what we pay our clever Advisers for. Understanding breeds confidence.
  • How much does it cost?
    Nothing! During our first meeting we help you understand how we get paid through a formal ‘disclosure document’. Rest assured though, our service to you is free.
  • Am I obligated to follow your advice?
    Think of yourself as the CEO of your own business, you're in the business of ‘You’. Good Chief Executives use judgement to decide whether to take advice from Advisers. They don't get into the analysis themselves. It’s up to us to make a compelling investment case for you to accept.

Dislcosure

Passive Income

A journey of 1000 miles begins with a single step. This strategy is used to allow early retirement or have additional income to fund education and family expenses as your children grow. The Thrive Property Program can help you grow and maintain a portfolio of property to give passive income. The key is starting as early as possible and growing quickly, so by the time you meet your most resource intensive years, there is passive income for the benefit of you and your family.

Mortgage Acceleration

With the rise of the ‘mega-mortgage’ there has never been more interest in using investment property to get ahead – ask us how!

Retirement Planning

Anyone who is retired will tell you to start planning and investing as soon as possible. Our goal is to help New Zealanders get a written plan that allows them to enjoy their retirement without sacrificing the ‘here and now’. You’ll be amazed how much more in control you feel once you have the numbers in hand.

What will the process look like?

We run on the approved ‘six step’ financial advisory model:

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1. We start with an introduction explaining our offering and how we get paid. This is a process known as "Engagement & Disclosure ".   

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2. We meet via zoom or in-person to understand your goals, aspirations, and tolerance for risk.   

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3. We provide our advice and commit it to writing in the form of a plan (not a boring long one, think lots of graphs and infographics).  

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4. You receive a copy of the plan.   

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5. We review options and move to due diligence and all going well, your 1st/next investment.   

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6. We review the plan annually or as often as you require to keep moving forward.

Thrive Core Concepts

Scale

A percentage growth in a big asset is better than a percentage growth in a small asset

Typology

Balance the purchase of growth and yield assets to sustain buying power

Duration

Time informs as to the scale and level of risk that is appropriate for the portfolio.

Diversification

Keeping a balanced portfolio, assets in different markets and locations

Leverage

Navigating lenders' credit policy, using borrowed money to make money

At Thrive, we avoid fad based advice and rely on fundamental concepts to support evidence based property investment.

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