Issue 11: Portfolio repair to your SMSF following market disruption

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Issue 11: Portfolio repair to your SMSF following market disruption

Hello once more and thank you for joining in during these challenging times and once again, I trust that you, your family, friends and colleagues are all well and are starting to feel more comfortable as some social restrictions begin to be lifted.

As the overriding principle for restrictions to continue to be lifted is to not become complacent, so too, we should not become complacent with our investment and SMSF portfolios but act in a measured way where necessary.

In this regard, there does appear to be growing activity by retail and SMSF trustee investors and by way of background to support this, ASIC recently released a report showing share trading activity by retail during the early stages of COVID-19 (late February following the fall in markets to April 2020) has increased as measured by the number of new trading accounts opened or in-active accounts reactivated.

Further there has been a trend recently, that the number of registrations for new SMSFs received between July – December, 2019 increased by 5.5% on a year ago.

So, if you are new to investment or actively managing an SMSF, here are some steps, some of which I have recently taken, that you may wish to consider so that you approach repairing your portfolio in a structured way. These include:

  • Revisiting your investment strategy
  • Updating it if necessary to reflect any changed circumstances
  • Looking for opportunities that fit the asset allocation strategy

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  • Strength indicator

Ian Irvine - Guest Contributor

Ian has been a keen investor for over 40 years and can draw on his experiences from both investing on his own behalf and also having worked in financial services for more than 30 years. Over this time, he has seen many changes that impact investors’ attitudes to in what and how they invest.

He started his career in what is now referred to as fast moving consumer goods (FMCG) or grocery, working for an Australian margarine manufacturer. In 1986, he was recruited to Westpac around the time of deregulation of the sector, where he spent 10 years before taking a role at AMP and then with ASX for 14 years up to the end of 2017. He continues to be involved with ASX; working on their educational programs.

In 1996, he and his wife established their own SMSF and again the experience and lessons learned regarding managing an SMSF over the years have provided him with many insights and ideas. He enjoys sharing these with others where these are helpful and always suggest that if an investor or SMSF trustee is unsure, that they should seek appropriate advice from a licenced professional.

Ian holds a B. Com (UNSW), and lives in Sydney and enjoys travelling to and meeting investors and SMSF trustee at the educational events with which he has involvement with from time to time.