Creating a plan for your money means having more control over your future. It gives your money focus, removes any guesswork, and helps you turn your goals into reality.
However, when people begin planning, they often start with the how. How much should I save? How often? And, in the case of investing, which investments should I choose?
We believe it all starts with the why: your first home, your kids’ future, or building wealth over time. Having a plan makes it easier to get to your destination. That’s why your goal plan with Tempo is so important – it’s at the heart of your investing journey. It’s your reason for investing, turned into a roadmap.
If your goal gives your money purpose, your goal plan transforms your dreams into reality and alongside your investor type, gives our advice direction.
At Tempo, your goal plan tells us where you’re trying to get to, how much you want to invest, and how often you can do it. It's like a compass that helps us steer you in the right direction. Together with your investor type (how you feel about risk), it helps us figure out how long it’ll take to reach a goal. We use all of these details to select your initial investment portfolio, which we call a fund mix. This customised combo balances risk and potential returns, depending on how close or far you are from reaching your goal. Every piece of advice we give, from the outset till your goal’s completion, begins with your goal plan.
A plan only works if the foundation is solid. If your goal plan doesn’t reflect how you can really invest or what you're aiming for, our advice might miss the mark. So, make sure that how you plan to invest is achievable. You can always make adjustments because if there’s one thing life guarantees, it’s change.
Life can throw you curveballs, and make it harder to stick to your goal plan. Maybe things are tight and you have to skip a few payments. You get a pay rise or a bonus and want to put more in. If things change it's important to make sure your bank payments and your goal plan date match.
As long as your plan and your payments align, you’ll still get the best of what Tempo has to offer. The more accurate your plan is, the better our advice will be.
Your goal plan gives us a starting point – but it’s also what we refer to as your journey unfolds. That’s because life changes, markets shift, or you get closer or further away from your goal. We’re here to help you stay the course, guiding your investments with our expertise.
Our advice – especially the mix of funds we recommend – is shaped by:
When you first set up your goal plan, we use this information to design your first fund mix. The further away from your goal, the more growth-oriented funds you might have in the mix. The closer you are, the more stability we build in – this is called de-risking.
De-risking reduces the chance of losing money as well as the likelihood of higher returns. Tempo is designed to gradually shift your fund mix into more conservative, lower-volatility investments as you get closer to your goal and closer to needing your money. We help you protect what you’ve built, and give you confidence your money will be ready when you need it.
Investing with Tempo isn’t about reading endless reports and charts or perfect timing. It’s about taking steady, practical, and consistent steps that add up over time. Whether it's opening the doors to your first home, or retiring on your terms, your dreams are what drive us. Your goal plan turns them into action, and action into a set of smart, evolving recommendations that change with you.
As long as your goal plan reflects where you're truly at, we'll give you advice that makes a difference. It doesn’t matter if life gets messy, markets move, or your timeline to your goal changes, you can stay focused on what you’re working towards.
We’ll focus on turning your one day into someday.
