What We Do

Total Return Investing

  • F59D6216-8D78-4266-B427-712A122C1E4D 25+ Yrs Experience
  • 1719F8D5-2D7E-4476-AB29-3E9D04DFCB82 Holistic Approach to Wealth
    Creation & Wealth Protection
  • 4F988F01-B178-49C8-89D1-34A34DD16CB1 Providing Peace of Mind
  • A0A5B11B-7D99-433F-9CB1-8164A27434C1 Inspiring Lifestyle
    & Financial Freedom
About

Investment Total Return

At Aspiri, we pride ourselves on complete transparency in how we operate and how your investments are tracking.

Rather than only looking at the value of your portfolio, or only the income it produces, we value the overall performance of your investments using the Total Return method.

A Total Return is a calculation that incorporates both price growth and income production over a number of years.

There are two components of total return: income and capital growth.

Total Return Investing

Total return, which is often referred to as total return investment, is a type of investment that will give you two different types of returns:

  • Appreciation, or increase in value for the assets. 
  • Cash distributions, or payments by the company or investments being invested in. These could be dividends, profit sharing distributions, or interest income, depending on what kind of security you are investing into. The money paid out can and used to fund payments or reinvested back into the investments to help generate greater compounding returns.

For example, if you are invested with a company, such as a bank, that pays most of its profits to investors through the form of dividends, you may get a 5% return from that income. The other component, capital growth, is the fluctuation in the price of your investment.

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At Aspiri, we use Total Return investing to give our clients a consistent flow of cash. This is achieved through:

  • More accurate assessment of investments
    Focusing on total return gives a better indication of how overall your investments performed and not just focusing on one particular component of the return. There is also tax implications depending on whether you receive income or capital gains, and potentially a lower rate of tax will be paid depending on the type of return.

  • Opportunity to diversify your options
    Another advantage of total return investing is diversification. Spreading your investment across multiple assets and asset classes reduces your risk in the event one of your investments falls in value. This gives you the ability to mix and match investments that have both strong capital appreciation and yield in order to meet your requirements if you need additional flexibility in your portfolio.

Talk to us about how our Total Return strategy can benefit your investment portfolio

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FAQ

Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
Owi C Img@2x
At Aspiri, we always put our clients first. As a self-licenced financial service, we choose the most appropriate investments based on your individual needs and goals.You get full transparency in how your investments are managed, and ongoing tracking of your financial position. You’ll have peace of mind knowing we are fee-only advisers, so you know our advice will not be compromised by commissions.New technology is rapidly emerging that disrupts both our consumer habits and how we live our day-to-day lives. We keep up to date with these changes, which puts us ahead of the curve with our investment strategies, and also enhances the way we do business with you:
  • We use modern teleconferencing technology for clients located outside of Brisbane, or who are too busy to meet with us in person, so they can stay updated from the comfort and convenience of their own office or home.
  • Our office is as paperless as possible. We use electronic signature software for most paperwork.
  • We keep you updated with succinct video presentations and webinars, rather than sending you lengthy newsletters or emails that you may never get time to read.
TESTIMONIALS
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C & L Clapper

“We have been with Aspiri for many years and found that the advice provided has been very professional and in a courteous manner, with sound investment advice around our portfolio.”

C & L Clapper

I & G Vayro

“Since our first meeting with Aspiri more than 10 years ago, our confidence in the Aspiri team has never wavered. The expertise and the personalised advice and interaction they provide us, we feel very sure. Their advice has allowed us the luxury to pursue and now enjoy a lifestyle of our choosing. Thank you Aspiri team, you are all much appreciated.”

I & G Vayro

P. Ewing

“I’ve been with Aspiri for 10 years after having my own self -managed Super Fund since 1988 . Since I retired 5 years ago I have drawn an annual income of over $100k and the balance of my account is what it was on retirement. They must be doing something right.”

P. Ewing

D. Preston

“The Aspiri team have been looking after my financial security for eleven years. They have been extremely supportive, helping me plan my future. As a self-funded retiree, their advice gives me the reassurance that I can go onto my latter years secure in the knowledge that my finances will allow me an ongoing comfortable retirement. “

D. Preston

J & J Conn

“The team at Aspiri have been informative on a regular basis and in an accessible way that allows us as busy professionals with little knowledge of the financial world to feel empowered and confident that our wealth is being well cared for.”

J & J Conn

A. Stewart

“In the time I have been with Aspiri, I have found them to be very good at what they do – they are very efficient and reliable, able to explain financial matters in a clear and simple way as well as having empathy and understanding for my individual circumstance.”

A. Stewart

A. Lee

“I have been a client of the Aspiri team for over 10 years. I can thoroughly recommend the team at Aspiri for providing financial advice for me and my family and for always providing outstanding service with passion and enthusiasm!”

A. Lee

J & E Clancy

“Several years ago we chose Aspiri, to manage our investments. The team are extremely personable, informed and easily contactable. They adjust portfolios in a timely way, based upon shifts in global markets and the client’s goals. We recommend the client-focused Aspiri team, with confidence.”

J & E Clancy

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