--- title: Dynamic Asset Investor Articles | Goals Based Advice description: Goals Based Advice | The Dynamic Asset Articles Page is where you'll find useful information about Goals Based Investing and managed investment services. If you're an investor who is looking for an alternative to conventional managed superannuation and other investments, subscribe to receive regular updates. It's time for a better way. --- [![Dynamic Asset](https://www.dynamicasset.com.au/hs-fs/hubfs/DynamicAssets/logos/Dynamic_Assets.png?width=644&name=Dynamic_Assets.png "Dynamic Asset")](https://www.dynamicasset.com.au) ![home-banner](https://www.dynamicasset.com.au/hs-fs/hubfs/DynamicAssets/images/home/home-banner.jpg?width=1920&name=home-banner.jpg "home-banner") # ARTICLES [![How the best financial advisers align portfolios with investor goals](https://www.dynamicasset.com.au/hubfs/1200%20x%20628%20px%20Facebook,%20Twitter-5.png) ](https://www.dynamicasset.com.au/investor-articles/how-the-best-financial-advisers-align-portfolios-with-investor-goals) ## [How the best financial advisers align portfolios with investor goals](https://www.dynamicasset.com.au/investor-articles/how-the-best-financial-advisers-align-portfolios-with-investor-goals) By [Matthew Walker](https://www.dynamicasset.com.au/investor-articles/author/matthew-walker) | Jun 19, 2020 4:33:42 PM | [risk adjusted returns](https://www.dynamicasset.com.au/investor-articles/tag/risk-adjusted-returns), [financial adviser services](https://www.dynamicasset.com.au/investor-articles/tag/financial-adviser-services), [goals based investing](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-investing), [goals based planning](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-planning), [Goals Based Advice](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-advice), [Dynamic Asset Allocation](https://www.dynamicasset.com.au/investor-articles/tag/dynamic-asset-allocation) - [Tweet](https://twitter.com/share) The traditional risk-based investment approach, which determined how a client’s assets are invested based on their risk profile, aims to maximise returns for a given level of risk. Success is measured by comparing returns against market benchmarks, suggesting that investors should be pleased with negative returns, provided they are less negative than the benchmark! The approach also entails a high level of volatility that can decimate a client’s capital, particularly if they need to access their funds in the near term or lose faith in their investment plan and crystalise their losses. [Read More](https://www.dynamicasset.com.au/investor-articles/how-the-best-financial-advisers-align-portfolios-with-investor-goals) [![Jerome Lander: SAA is prone to failure](https://www.dynamicasset.com.au/hubfs/Jerome%20Video%20SAA%20Failure.jpg) ](https://www.dynamicasset.com.au/investor-articles/jerome-lander-saa-is-prone-to-failure) ## [Jerome Lander: Risk based portfolio allocation is prone to failure](https://www.dynamicasset.com.au/investor-articles/jerome-lander-saa-is-prone-to-failure) By [Jerome Lander](https://www.dynamicasset.com.au/investor-articles/author/jerome-lander) | Jun 19, 2020 12:28:11 PM | [risk adjusted returns](https://www.dynamicasset.com.au/investor-articles/tag/risk-adjusted-returns), [goals based investing](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-investing), [Goals Based Advice](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-advice), [superannuation](https://www.dynamicasset.com.au/investor-articles/tag/superannuation), [super](https://www.dynamicasset.com.au/investor-articles/tag/super), [Dynamic Asset Allocation](https://www.dynamicasset.com.au/investor-articles/tag/dynamic-asset-allocation) - [Tweet](https://twitter.com/share) Dynamic Asset Portfolio Manager, Jerome Lander, discusses the risks of the traditional risk based 'strategic asset allocation' - particularly during the very difficult market conditions we face today. He argues that unless advisers change the way that investor's money is managed, there's really no way to manage that risk. [Read More](https://www.dynamicasset.com.au/investor-articles/jerome-lander-saa-is-prone-to-failure) [![The Answer is Goals Based Investing for Today's Economy](https://www.dynamicasset.com.au/hubfs/Podcast%202-1.jpg) ](https://www.dynamicasset.com.au/investor-articles/goals-based-investing-solutions-video-podcast-0) ## [The Answer is Goals Based Investing for Today's Economy: Video Podcast](https://www.dynamicasset.com.au/investor-articles/goals-based-investing-solutions-video-podcast-0) By [Matthew Walker](https://www.dynamicasset.com.au/investor-articles/author/matthew-walker) | May 21, 2020 12:28:37 PM | [financial adviser services](https://www.dynamicasset.com.au/investor-articles/tag/financial-adviser-services), [goals based investing](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-investing), [Goals Based Advice](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-advice), [Financial Adviser Portfolio Solutions](https://www.dynamicasset.com.au/investor-articles/tag/financial-adviser-portfolio-solutions) - [Tweet](https://twitter.com/share) Goals Based Advice is just the first step in Goals Based Investing. [Read More](https://www.dynamicasset.com.au/investor-articles/goals-based-investing-solutions-video-podcast-0) [![](https://www.dynamicasset.com.au/hubfs/Bulls%20Wrong%201200%20x%20627%20px.jpg) ](https://www.dynamicasset.com.au/investor-articles/why-the-bulls-are-wrong-0) ## [Why the Bulls are Wrong](https://www.dynamicasset.com.au/investor-articles/why-the-bulls-are-wrong-0) By [Jerome Lander](https://www.dynamicasset.com.au/investor-articles/author/jerome-lander) | May 21, 2020 10:26:34 AM | [goals based investing](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-investing), [goals based planning](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-planning), [financial planning services](https://www.dynamicasset.com.au/investor-articles/tag/financial-planning-services), [Goals Based Advice](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-advice), [alternative investments](https://www.dynamicasset.com.au/investor-articles/tag/alternative-investments) - [Tweet](https://twitter.com/share) Equity markets have bounced well over 20% since the lows just over a month ago, so technically we are already in a new bull market.  With peak new cases now behind us, the economy agitating to reopen and governments starting to ease restrictions, is the massive fiscal and monetary stimulus in the pipes about to prove the bulls spectacularly right? [Read More](https://www.dynamicasset.com.au/investor-articles/why-the-bulls-are-wrong-0) [![How to manage portfolios for downside risk](https://www.dynamicasset.com.au/hubfs/Downside%20risk%201200%20x%20628%20px.png) ](https://www.dynamicasset.com.au/investor-articles/how-to-manage-portfolios-for-downside-risk-1) ## [How to manage portfolios for downside risk](https://www.dynamicasset.com.au/investor-articles/how-to-manage-portfolios-for-downside-risk-1) By [Matthew Walker](https://www.dynamicasset.com.au/investor-articles/author/matthew-walker) | May 21, 2020 10:24:15 AM | [financial planner services](https://www.dynamicasset.com.au/investor-articles/tag/financial-planner-services), [Goals Based Advice](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-advice), [Financial Adviser Portfolio Solutions](https://www.dynamicasset.com.au/investor-articles/tag/financial-adviser-portfolio-solutions), [superannuation](https://www.dynamicasset.com.au/investor-articles/tag/superannuation), [retirement investment](https://www.dynamicasset.com.au/investor-articles/tag/retirement-investment) - [Tweet](https://twitter.com/share) During market downturns, investors are commonly advised to stick with their strategic asset allocation rather than crystalise their losses in the hope that the downturn will be short lived and that returns will revert to historical norms. [Read More](https://www.dynamicasset.com.au/investor-articles/how-to-manage-portfolios-for-downside-risk-1) [![Protecting a portfolio against sequencing risk](https://www.dynamicasset.com.au/hubfs/iStock-1180802564.jpg) ](https://www.dynamicasset.com.au/investor-articles/protecting-a-portfolio-against-sequencing-risk-0) ## [Protecting a portfolio against sequencing risk](https://www.dynamicasset.com.au/investor-articles/protecting-a-portfolio-against-sequencing-risk-0) By [Matthew Walker](https://www.dynamicasset.com.au/investor-articles/author/matthew-walker) | Apr 28, 2020 11:25:41 AM | [goals based investing](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-investing), [goals based planning](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-planning), [goals based investment](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-investment), [Goals Based Advice](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-advice) - [Tweet](https://twitter.com/share) Sequencing risk is one of the most important things to consider when constructing your investment portfolio. [Read More](https://www.dynamicasset.com.au/investor-articles/protecting-a-portfolio-against-sequencing-risk-0) [![What is Goals Based Investing?](https://www.dynamicasset.com.au/hubfs/Social%20Media/Linkedin/Linkedin%201200%20x%20628-2.png) ](https://www.dynamicasset.com.au/investor-articles/what-is-goals-based-investing-0) ## [What is Goals Based Investing?](https://www.dynamicasset.com.au/investor-articles/what-is-goals-based-investing-0) By [Matthew Walker](https://www.dynamicasset.com.au/investor-articles/author/matthew-walker) | Apr 28, 2020 11:04:59 AM | [goals based planning](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-planning), [goals based investment](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-investment), [Goals Based Advice](https://www.dynamicasset.com.au/investor-articles/tag/goals-based-advice), [Financial Adviser Portfolio Solutions](https://www.dynamicasset.com.au/investor-articles/tag/financial-adviser-portfolio-solutions) - [Tweet](https://twitter.com/share) The premise of Goals Based Investing is to focus each investment portfolio on specific individual personal and lifestyle goals. Those goals inform the right timeframe, risk and return parameters, which in turn determine the best asset allocation and investment mix. Goals can be short-term, such as taking a holiday, medium-term, such as renovating or paying school fees, and long-term, such as saving for retirement. [Read More](https://www.dynamicasset.com.au/investor-articles/what-is-goals-based-investing-0) [All posts](https://www.dynamicasset.com.au/investor-articles/all) ### ABOUT THIS PAGE The Dynamic Asset Articles Page is where you'll find useful information about Goals Based Investing, capital growth, capital protection and managed investment services. If you're an investor or a financial adviser, subscribe to receive regular updates. 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