One of the biggest hurdles for investors is choice. With endless products, shares, and funds available, it’s easy to feel paralysed. The beauty of Rivkin’s Separately Managed Accounts (SMAs), offered through Mason Stevens, is that they simplify this decision-making by giving you ready-made portfolios tailored to specific needs.
So, which one might be right for you?
Conservative Portfolio
If your focus is on capital preservation and stability, this is the place to start. With a 40/60 split between growth and defensive assets, the Conservative portfolio aims for steady returns and minimal surprises. Defensive allocations include bonds, cash, private credit, and core infrastructure, while growth exposure is kept modest. It’s designed for cautious investors, or those with shorter timeframes who can’t afford big market swings.
Balanced Income Portfolio
For investors who want a steady stream of income alongside moderate growth, the Balanced Income portfolio is a strong fit. With a 60/40 growth-to-defensive blend, it tilts towards generating cash flow while still building wealth. This can include dividend-paying equities, infrastructure, property, and private credit to provide reliable income, balanced with shares and other growth assets. Ideal for those supplementing their income but not ready for a purely defensive strategy.
Balanced Growth Portfolio
If your aim is to grow wealth steadily, this portfolio uses the same 60/40 mix, but with a stronger focus on accumulation rather than income. Growth allocations may lean more into equities, property, and infrastructure, with reinvested returns compounding over time. Defensive assets such as bonds and private credit remain in the mix to provide stability. This makes it better suited for those reinvesting returns and thinking longer term.
Growth Portfolio
Leaning more into growth assets, the Growth portfolio runs a 75/25 allocation. This is for investors who are comfortable with some volatility in exchange for stronger long-term returns. Growth exposure is diversified across global shares, property, and infrastructure, with potential allocations to private equity, while the defensive portion is anchored by bonds and private credit.
High Growth Portfolio
For those with a long time horizon and a higher appetite for risk, High Growth (90/10 split) offers maximum exposure to global equities, property, infrastructure, and private equity. Defensive positions are minimal, typically limited to bonds or private credit, to keep the portfolio resilient. Short-term bumps can be sharper, but the payoff is the potential for higher returns over decades.
The Takeaway
The right portfolio depends on your goals, timeframe, and comfort with risk. Rivkin’s SMA range, backed by Mason Stevens, provides a clear pathway no matter where you are on the spectrum. And because they consider not just traditional shares and bonds but also infrastructure, property, private equity, and private credit, these portfolios are built with diversification in mind.
You don’t need to build a portfolio from scratch, simply choose the option that matches you and let the professionals do the rest.
What is a Separately Managed Account?
- Choose from five professionally constructed portfolios depending on your needs
- All portfolio management is taken care of for you
- Obtain institutional brokerage rates that are not typically available to individual investors
- Execution is performed using algorithms that spread trading out across the day to obtain a fair price
- No upfront cost – management fees are deducted from your account on a monthly basis
For a complete list of risks and costs involved with Mason Stevens Separately Managed Accounts, please refer to the Investment Mandate.
Please request the PDS during your complimentary no-obligation call with on of our experts or by contacting us directly via phone at 1300 748 546 or email us at [email protected] to understand the full risks and costs of the product before making a decision to invest in it.
Important Notice:
Please consider your own financial situation before investing in our products. Rivkin does not provide personal financial advice and does not take anyone’s personal financial situation into account when structuring its model portfolios.
Past performance and/or backtesting are not a guarantee of future performance. Investing and trading carry financial risk. When judging performance, please consider the different types of investments and the levels of risk associated.
To learn more about how we calculate performance, click here.
You should consider the product disclosure statement prior to making any investment decisions. If you require financial advice that takes into account your personal objectives, financial situation or needs, you should consult your licensed or authorised financial adviser or our Rivkin Wealth Advisors service on 0283023620 or via email at [email protected], subject to a statement of advice. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information.
All opinions and estimates constitute judgments of Rivkin and are subject to change without notice. These statements should therefore not be relied upon as an accurate representation or prediction as to any future matters. No company associated with Mason Stevens guarantees the performance of any fund or the return of an investor’s capital. Past performance is not indicative of future performance.
