John is 28 and has been working in full time employment for five years. He earns $75,000 per year and currently has $20,000 in savings in his bank account. He seeks to earn a greater rate of return than his bank’s standard interest rate, on his savings. He would ideally like to invest directly in the share market however does not feel he has adequate knowledge or enough time to commit to this type of investment strategy. John would like somebody else to make the ‘buy/sell’ decisions on his behalf, without paying a high management fee.
He seeks professional investment advice from his financial planner, based on the following requirements:

• High returns through capital appreciation and income;
• Diversification weighted towards shares;
• Long term outlook (5+ years).