Investment Portfolio Construction

Institutional-grade portfolio construction. Boutique adviser relationship.

At Indigo Financial Planning, your investment portfolio is built using a core-satellite structure, with Morningstar acting as our Outsourced Chief Investment Officer — maintaining the Indigo Balanced and Indigo Growth portfolios on the IconiQ platform on an ongoing basis. Institutional-grade portfolio management, delivered through a boutique adviser relationship.

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Indigo Financial Planning Dean Denaro | NSW
Investment Portfolio Construction

The Morningstar advantage.

Morningstar is one of the world’s largest independent investment research organisations, employing hundreds of dedicated analysts, economists and portfolio construction specialists globally. Our Indigo Balanced and Indigo Growth portfolios are developed in conjunction with Morningstar, who act as our Outsourced Chief Investment Officer (OCIO) — maintaining the portfolios on an ongoing basis using their research, asset allocation methodology and manager selection expertise.

This means your portfolio isn’t static. It’s actively maintained by Morningstar’s team as market conditions and their research evolve — the same ongoing management discipline used by institutional investors, applied to your personal portfolio.

Our portfolio range

  • Indigo Balanced — a core-satellite SMA on the IconiQ platform, maintained by Morningstar as OCIO, targeting moderate growth with diversified exposure across asset classes
  • Indigo Growth — a core-satellite SMA on the IconiQ platform, maintained by Morningstar as OCIO, with a higher allocation to growth assets for clients with a longer time horizon
  • Morningstar Real Return — available via HUB24, designed to deliver returns above inflation with a focus on capital preservation across the economic cycle
  • Morningstar Balanced & Morningstar Growth (HUB24) — available in either a core-satellite or SMA-only structure, depending on your needs and preference
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Indigo Financial Planning - Dean Denaro - NSW

How we build your portfolio

Retirement is the single most complex financial transition most people will ever navigate. Getting it wrong is expensive — and often irreversible.

We help you structure your superannuation, investments and other assets to generate reliable income throughout retirement — taking into account Centrelink, tax, longevity risk and the lifestyle you want to fund.

  • Risk profiling — understanding your appetite for volatility and your capacity to absorb loss
  • Time horizon — aligning your asset allocation to when you’ll need your money
  • Core-satellite construction — a diversified core with targeted satellite positions for additional return potential
  • Manager selection — Morningstar-researched fund managers across Australian equities, international equities, fixed income, property and alternatives
  • Quarterly review — regular portfolio updates with market commentary and rationale
  • Tax-aware management — considering capital gains and tax efficiency in portfolio decisions
We follow a structured advice process — because good financial planning is a process, not a product.

Investment Portfolio Construction

Investment Portfolio Construction

Who is this for;

  • Clients with $200,000 or more in investable assets outside of superannuation
  • People who want institutional-quality portfolio construction without having to go to a large city firm
  • Existing clients wanting to consolidate scattered investments into a single, properly structured portfolio
  • Sea-changers bringing investment assets from the city who want them properly restructured

Ready to get started?

Book a consultation to discuss your investment objectives with Dean.

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