Our Investment Philosophy

GCR has developed a unique style of investing that specifically suits many retirees, entrepreneurs & business entities.

We call this investment process ‘Active Investment Management + Options (AIM+O)’. This style is only offered to clients who qualify via our financial planning, goals & risk discovery & fact-finding process. This service is a highly personalised service which involves regular monthly points of communication as well as formal reviews each 6 and 12 months.

Not everyone will suit AIM+O and GCR only engages like-minded people who are clearly suitable & want their money pro-actively managed to potentially achieve higher real net returns with clear lower absolute risk.

Strategy Outline:

Outlined here is a summary of the investment process and philosophy that has taken over 15 years of personal trading experience by Mr Gye E. Duncan to design AIM+O.

Qualifying our Client:

The first step in the process is qualifying you, your goals, concerns, preference, income, capital requirements and your expectations. This is more important than it may seem; as if you & GCR are not clearly like-minded, AIM+O strategies may not be suitable for you.

Financial Planning Assessment:

During the financial planning process, we will be able to determine your cash-flow, risk tolerance and suitable investment vehicles for you to invest through.

Investment Vehicle:

Once it is confirmed that you suit GCR’s unique AIM+O pro-active style, we will prepare your individualised Statement of Advice (SOA) and Engagement Client Agreement (ECA) which will include total transparency of AIM+O strategies, systems, processes, risks, profits and fees. If it is confirmed you do not suit GCR’s unique style, we will offer an alternative that suits you or if we cannot help you, we will advise you accordingly.

Many of GCR’s AIM+O clients are Self-Managed Super Funds (SMSF). Many are retirees previously disenchanted with retail or industry super funds. Many are entrepreneurs & business entities requiring or wanting an individualised service not normally available through other professionals or large institutions.

Selection of Investments:

Coupled with a contrarian style of management, GCR uses a combination of investment processes (Technical, Fundamental and Behavioural Finance Analysis) to select and pro-actively trade the portfolio of investments.

At GCR we prefer to work with companies that provide the products & services the community needs to use and purchase. We choose companies with a proven track record and strong cash-flows that deliver regular dividends. This strict adherence to investment criteria means GCR will generally only invest into the ASX Top 50, occasionally companies in ASX Top 100. We avoid investing in Initial Public Offerings (IPO’s).

Portfolio Concentration & Diversity:

We invest only in industries where we understand how they make money, their business strategy and the risks these enterprises are taking to generate their growth, profits and dividends.

We cannot know everything, so we restrict our stock holdings at any one time to between 20-30 companies. Within these companies, we further invest only in ASX listed companies, where there is exposure to global growth and a global revenue base.

We also invest in cash & mortgages (unlisted) funds for diversification, risk and client cash-flow management purposes.

We use unlisted major mortgage funds with proven track records in risk management and consistent stable interest income payments. In particularly, GCR uses unlisted mortgage funds which allows us to mostly disconnect a client’s portfolio risk from the stock market’s volatility.

Portfolio Holdings:

GCR has secured, via ASIC, the licencing condition to operate a full Managed Discretionary Account Service (MDA Service).

This means we are not restricted or controlled by institutional ownership or fund manager bias on the selection of investments, fee structures or brand name. It also means our clients are not exposed to exorbitant institutional overheads, corporate executive bonuses or institutional management decisions that could be made for the institution’s best interest and not our client’s best interest.

Our preference is to cut out all unnecessary middle-men (middle institutions) who, in our opinion, add little value for our client’s portfolio’s net profits. Lowering administrative costs for clients while upholding full transparency and full compliance is another central aspect of the GCR process.

AIM+O (Active Investment Management + Options)

Another central point of difference is GCR does not consider paper profits or paper losses to be gained or incurred unless realised. During our 25+ years of financial advice and services industry experience, we have not seen any retirees able to live on paper profits.

Similarly, paper losses are not incurred as we do not sell a stock for a loss unless absolutely requested by the client.

We can do this due to our initial research and selection of the companies we invest your funds in, pro-active management of risk, our money management system design, and cashflow management within your portfolio. This system is designed so we do not need to sell stocks in a paper loss position.

GCR has no time frame to take the pre-agreed benchmark profit on a stock for clients. We do multi intra-day trade, intra-week trade, intra-month trade or intra-year trade, all depending on securing the benchmark profits. All profits are secured back to cash. This builds security (above a pure passive buy and hold or indexing investing strategy) as we are regularly taking profits back to cash and not exposing clients to potential market bubbles, like the Global Financial Crisis.

GCR then watches the market for an opportunity to buy the same 20-30 stocks at a lower price to then sell when profit benchmarks are achieved. This action is repeated as regular as profits are available to covert to cash.

Additional to stock trading strategies, GCR has the ASIC licencing condition of Derivatives limited to Options Contracts.

GCR regularly writes (sells) Options over the major 20-30 stocks in the client’s portfolio. The particular Options trading strategies GCR uses are Covered Call writing, Short Put Writing (100% cash covered), Straddles, Strangles.

We also can Short or Long the ASX OJX Index (S&P/ASX200) for either specific profit opportunities or risk portfolio management purposes. These particular strategies are fully discussed and signed-off by engaged clients before implementation.

Over the years, we have found that by trading and writing Option premiums to generate additional income for clients, GCR often achieves higher consistent net profits with lower risk (volatility) for clients. Naturally, GCR cannot guarantee any future returns and past performance is no indication of any future performance.

GCR does not expect AIM+O to suit everyone, although we have found it has helped many retirees, entrepreneurs and business entities obtain their risk assessed goals and objective.

We wish you all the best in achieving your investment goals and if you feel our style may suit you, GCR will be happy to see if we can help you.

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Privacy Policy Statement

GCR Financial Pty Ltd
AFSL 333543
ABN 61 133 869 182

April 2014

Our commitment

GCR Financial (GCR) recognizes that your privacy is very important to you – it is to us as well. We handle personal information provided by and about people every day. By personal information we mean information or an opinion about a person whose identity is apparent or can reasonably be ascertained.

The aim of GCR is both to support and to ensure that it complies with the National Privacy Principles (NPPs) that form the basis of laws introduced to strengthen privacy protection for the general public including its members. GCR also seeks to comply with the Spam Act that is aimed at reducing the number of unsolicited electronic commercial messages that you receive.

We believe that this Statement will address any potential concerns you may have about how personal information you provide is collected, held, used, corrected, disclosed and transferred. You can obtain more information on request about the way we manage the personal information we hold. If you seek any further information please contact us in one of the ways set out below.

Collection

In the course of our activities we collect and hold personal information of our clients. Our main purposes for collecting that personal information include to assess the financial needs and requirements of our clients, to update our records and for marketing purposes.

We will only collect personal information from you that is necessary to assess your personal financial planning needs.

We will only collect personal information from you by lawful and fair means, without being unreasonably intrusive, such as when you complete an application or update form etc.

At or before the time we collect personal information from you we will take reasonable steps to inform you why we are collecting that personal information, who else we might disclose that personal information to and what will happen if you do not provide personal information to us.

Where reasonable and practicable, we will only collect personal information about you, from you.

Wherever it is lawful and practicable, we will give you the option of not identifying yourself or not providing personal information when dealing with us. However, failure to provide full and complete information we request may mean that we are unable to provide services to you fully and properly.

Once we hold personal information we will take reasonable steps to keep it accurate, complete and up-to-date.

Use and disclosure

We will only use your personal information for the main purpose we told you it was needed for, except where you consent to us using that personal information for another purpose, where the other purpose is related to the main purpose and you would reasonably expect us to use the personal information for that other purpose, or where it is permitted or required by law, or we reasonably believe it is necessary on health or public safety grounds to use the personal information for another purpose.

In relation to direct marketing, where practicable we will seek your consent before we use your personal information for this purpose. You may tell us at any time you do not wish to receive any further direct marketing materials – if you do, we will stop sending you such materials.

In accordance with the Spam Act, should you wish to unsubscribe from commercial electronic messages from GCR, all future commercial electronic messages from GCR will enable you to unsubscribe from that particular type of electronic message and this can be done at any time. If you do not unsubscribe, GCR will continue to send you relevant information of the types described above.

We will not adopt as our own any identifiers that you may provide to us such as Tax File Numbers etc.

Access and correction

If you ask, we will tell you what personal information we hold about you, and what we do with it. We will facilitate access to you by allowing an inspection of your personal information in person, or by providing copies or a summary of relevant documents, depending on what is most appropriate in the circumstances, following receipt of your request.

If you can show us that the personal information is inaccurate, we will take reasonable steps to correct it. Note that we need not provide access to personal information in several types of situation, for example where a request is frivolous, or where to provide access would pose a threat to health or public safety, unreasonably interfere with another person’s privacy, or be a breach of the law. If we refuse access we will advise you of our reasons for doing so.

Security

We will protect personal information from misuse and loss, and destroy or permanently de-identify personal information we no longer need.

Complaints resolution

We are committed to providing clients, whose personal information we hold, a fair and responsible system for the handling of their complaints.

If at any time you have any complaints in relation to privacy, please contact our Complaints Officer at one of the points referred to below. We will seek to address any concerns that you have through our complaints handling processes, but if you wish to take matters further you may refer your concerns to the Financial Ombudsman Service.

Contact us

If you seek any further information from GCR about this Statement or our privacy policy generally please contact our Administration Manager at one of the reference points below:

admin@gcrfinancial.com.au

6 Davies Street Oxley QLD 4075
Telephone: 1800 854 293
Facsimile: 1800 854 295

Website Terms of Use

Terms and Conditions

Your access and use of this website constitutes your agreement to these terms of use, GCR Financial’s Privacy Policy and any other notices, disclaimers, statements and other terms and conditions contained on this website. By accessing this website and other websites through links provided by us, you agree to be subject to these terms.

This website

“This website” means all web pages located on the www.gcrfinancial.com.au domain name. This website is the website of GCR Financial Pty Ltd ABN 61 133 869 182.

The information contained on this website may not be accurate or up to date in all respects. We do not warrant the accuracy or completeness of any information contained on this website. None of GCR Financial, its related body corporate or any associate (which expression includes the directors, employees, consultants or contractors to GCR Financial) makes any representation or warranty as to the quality, accuracy, reliability, timeliness or completeness of material in this website or in material linked to this website, except in so far as liability cannot be excluded by law. GCR Financial and its associates do not accept any liability (whether arising in contract, tort, negligence or otherwise) for any error or omission in the material or for any loss or damage (whether direct, indirect, consequential or other wise and including losses that may arise due to damage to computer equipment or software or as a result of the inaccessibility of this website) suffered by the recipient of the information or user of this website or any other person.

This website may contain links to third party websites. GCR Financial and its related entities do not make any representations as to the contents of any third party websites, and are not responsible for an will not be liable for the content of any third party websites.

You release, discharge and indemnify GCR Financial and its associates from and against any and all liabilities suffered or incurred by you as a result of use of this website.

General information only

The information contained in this website should be used as general information only. It does not take into account the particular circumstances, needs or objectives of any client, or purport to be comprehensive or constitute personal advice and should not be relied upon as such. You should consult our licensed financial advisers to help you form your own opinion of the information, and as to whether the information is suitable for your individual needs and aims. You should consult appropriate professional advisers on any legal, stamp duty, taxation and accounting implications of making a financial decision.

Privacy

GCR Financial is committed to respecting your privacy and takes all reasonable steps to protect the personal information we collect from you. This policy is based on the Australian Privacy Principles (APPs) as per Schedule 1 of the Privacy Amendment (Enhancing Privacy Protection) Act 2012.

We may, as a result of your access to this website, hold and process personal information obtained about you. However, GCR Financial is committed to maintaining the privacy of any personal data it holds about you, and does so in accordance with the APPs. Please read GCR Financial’s Privacy Policy to understand how your personal information will be treated when you use this website.

We may disclose your personal information to third parties that help us deliver our services (including information technology suppliers, communication suppliers and our business partners) or as required by law.

Our Privacy Policy explains: (a) how we store and use, and how you may access and correct your personal information; (b) how you can lodge a complaint regarding the handling of your personal information; and (c) how we will handle any complaint.

By providing your personal information to us, you consent to the collection, use, storage and disclosure of that information as described in the Privacy Policy and these terms.

Copyright, trademarks and intellectual property rights

Unless expressly stated, GCR Financial is the owner or licensed user of the copyright and any intellectual property rights in any material, design, technology or concept contained on this website. All rights are reserved. You may use the information for your own personal reference only. You may reproduce the information in hard copy solely for your personal use. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, this website or any portion of this website may not otherwise be reproduced, adapted, distributed, displayed or transmitted to any other person or incorporated in any way into another document or other material, without GCR Financial’s express consent.

Linked sites

Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites.

Disclaimer

This website may contain advice. Any advice is of a general nature and is not based on your personal objectives, your financial situation and needs. Accordingly, you should consider how appropriate any advice is to personal objectives, financial situation and needs. Before acquiring any financial product or service, you should read both our Financial Services Guide (FSG) from GCR Financial and any relevant Product Disclosure Statements (PDS) from product providers.

Any advice provided on this website is provided by the Australian Financial Services Licensee GCR Financial Pty Ltd (AFS & ACL 333543). GCR Financial accepts no liability for acting on this advice for who is not the intended recipient.