Most of us have a mental list of financial goals. Some are immediate — saving for a new car or family holiday. Others are big-picture — paying off the mortgage, building a retirement nest egg, or leaving something behind for the kids. The challenge is figuring out how to connect these goals to the way you invest.
That’s where alignment comes in. By matching your investments to your timeframes and risk tolerance, you give yourself the best chance of reaching your goals without unnecessary stress.
Short-term goals (under 5 years)
For near-term needs, protecting your money is key. Here, Rivkin’s Conservative portfolio (40% growth / 60% defensive) is designed to prioritise capital preservation and stable returns. Defensive allocations often include cash, bonds, and lower-volatility alternatives such as infrastructure or core property, which can provide steady income streams.
It’s a sensible choice if you want to know your savings will be there when you need them, rather than chasing higher returns with higher risk.
Medium-term goals (5-10 years)
If you’re investing for something a little further away, like school fees or a home renovation, you’ll need a balance between growth and income. Rivkin offers two distinct approaches:
- Balanced Income portfolio (60% growth / 40% defensive) – suited for those who want a blended mix with an income tilt, helping to cover regular expenses while still growing capital. This mix may include bonds, private credit, infrastructure, and dividend-paying equities to provide a reliable cash flow.
- Balanced Growth portfolio (also 60% growth / 40% defensive) – similar mix, but tilted towards accumulation, focusing more on reinvesting and compounding wealth over time. Property, global equities, and infrastructure may play a larger role here to drive long-term appreciation.
Both portfolios are useful in this middle ground, and the right one depends on whether you value income today or long-term growth tomorrow.
Long-term goals (10+ years)
For retirement planning or wealth creation, time is on your side. That means you can afford to take on more risk for higher potential rewards. Rivkin’s Growth portfolio (75% growth / 25% defensive) and High Growth portfolio (90% growth / 10% defensive) are designed exactly for this.
- Growth provides strong long-term exposure while keeping some defensive balance, with allocations to shares, infrastructure, and property alongside bonds and private credit for diversification.
- High Growth leans heavily into global markets, equities, and alternatives such as private equity, aiming to maximise wealth creation over decades. Exposure to property and infrastructure adds further diversification across economic cycles.
The Takeaway
When your portfolio is aligned with your goals, you’re investing with purpose, not guesswork. Rivkin’s SMA range through Mason Stevens makes this easy, offering portfolios designed for different timeframes and objectives. And with access to not just traditional shares and bonds, but also infrastructure, property, private credit, and private equity, you gain a more diversified pathway to achieving your goals.
All you need to do is choose the one that matches your journey, and stay the course.
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.
