Investor Pack Investor Pack

An Australian first – Capped Investment Fees *

As part of our mission to keep investing simple and you in control, we are proud to be the first company to offer capped investment fees in Australia.
Our Capped Fees *

Investment Portfolios

Our research has highlighted even the smallest different in fees can result in substantial differences to your nest egg. As such, we have capped our fees to put more money back in your pocket
Low-cost ETF Portfolios 1 year 3 year S.I.* (% p.a) Inception Date
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Low-cost ETF Portfolios
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How our capped fees* work?

Our fees start at just $99 p.a and capped at $451 p.a for investments over $82,000*. You can also benefit from low brokerage costs of $5.50 or 0.11% (whichever is greater) on buys and sells.
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Our Investment Fees *
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Competitors Fees ^
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Brokerage Fees
The greater of $5.50 per trade or 0.11% of the value of the trade
Indirect Costs
0.18% - 0.31% p.a. (a cost associated with ETF providers)
No Other Fees
No administration & performance fees
Investor Pack
Interested in starting an investment?
Call on 1300 880 160 or

Six benefits of investing with us

There are many benefits to investing with InvestSMART, but what really sets us apart from our peers is our long term consistent performance.
We continue to consistently outperform the majority of our peers after fees. Learn more about our performance.
Low Fees
Our investment fees are under 1% and capped at a maximum of $451 p.a. for our low cost ETF portfolios.
All securities held in your own name. View all your holdings, dividends paid, transaction history and fees charged.
Benefit from knowing what you're invested in and more importantly, why. Plus get access to a team of some of the most passionate analysts and portfolio managers in the business.
We make it easy to adjust your portfolio and switch between different investment models to suit your needs at every life stage.
We do all the work for you. From setting up your account to ongoing rebalancing of your portfolio – so you're always on track achieving your goals.
How Fees Can Destroy Your Wealth Report
"You can't control the markets, but you can control your costs"
Paul Clitheroe AM
Chairman of InvestSMART Group


Still deciding if InvestSMART is right for you? These frequently asked questions may help.
View more FAQs

The Standard Risk Measure (SRM) is a guide developed by the Financial Services Council (FSC) and The Association of Superannuation Funds of Australia (ASFA) that outlines the likely number of negative annual returns expected over any 20 year period.

The purpose of the SRM is to provide a standardised labelling system to assist investors in comparing investment options across providers, as shown below in Figure 1, FSC/ASFA Standard Risk Measure Classifications.

Risk Label Estimated number of negative annual returns over any 20 year period
Very Low  Less than 0.5
Low  0.5 to less than 1
Low to Medium  1 to less than 2
Medium  2 to less than 3
Medium to High  3 to less than 4
High  4 to less than 6
Very High  6 or greater

Source: FSC/ASFA Standard Risk Measure Guidance Paper for Trustees, July 2011


We have adopted these risk rating guidelines and applied them to our products, as highlighted in Figure 2: InvestSMART Group Investment Products' SRM:

InvestSMART Group Investment Products SRM

It should be noted, however, that the SRM is not a complete assessment of all forms of investment risk. For instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. As such, it should be used as a guide and as with any investment, investors should ensure they are comfortable with the risks and potential losses associated with their chosen investment option(s). Any information should be considered general in nature and before making any investment decisions, please ensure that you read all relevant disclosure documents related to that product.


We recognise that over the long term not one asset class is guaranteed to deliver substantial outperformance on a consistent basis and that attempting to time the turning points across the various asset classes is near impossible.

Lower Fees

Compounded over time, even a small difference in fees can result in substantial differences to your return and a higher management fee is no guarantee of better performance.


We believe in absolute transparency. This directly impacts how we manage conflicts and report our performance. We take disclosure, conflicts and transparency extremely seriously. 

The day after your funds have settled your portfolio will be rebalanced. This means all the necessary shares will be purchased to bring the portfolio in line with your chosen model/models.

Under our Professionally Managed Accounts, you will gain the following benefits:
1. Professionally managed investment portfolio: An investment portfolio managed by InvestSMART's investment team.
2. You own the securities: The investor holds legal ownership and the underlying securities are registered under your name.
3. Reporting: Complete end of year Accounting and tax reporting is provided on your investment. 
4. Transparency: Investors are provided full visibility of all stocks held in your portfolio.
5. Tailored & Unique Portfolio: Under a PMA, we offer multiple model portfolios to choose from so that you can create a customised and diversified portfolio to suit your individual needs. Our model portfolios will differ in the levels of risk and return, and each model offers a different investment emphasis (such as Australian & international equities, property securities, international ETFs, etc).
6. Account Management: The paperwork and administration is taken care of, reducing the administrative burden on investors.
7. Tax effective: You only pay tax on gains & income you received.
8. Inflows & outflows: Your investment will not be impacted by the decisions of other model portfolio investors. An example of this is when a pooled investment like a managed fund receives redemption requests at the bottom of the market and is a forced seller at the worst time.
9. Flexibility with income/distributions: Choose to receive the dividends directly into an account of your choice or set up a regular payment or request drawdowns on an adhoc basis.

^ Only funds and investment products included in the Morningstar Australia database are available for fee comparison. This may not include all funds available for retail investment in Australia. Only funds with > three year returns were included, and were compared to Morningstar's nominated benchmark. Fees are calculated by Morningstar as the average over 10 years. Whilst every care has been taken in producing these numbers, InvestSMART does not guarantee the accuracy of the figures produced in the table.