InvestSMART
Ethical Growth Promotion

InvestSMART
Ethical Growth
Portfolio

A simple, cost-effective way to invest in a diversified ethical portfolio without the usual high fees
Why invest in the InvestSMART
Ethical Growth Portfolio?
The Ethical Growth Portfolio is invested in a blend of 5 – 15 ethical Exchange Traded Funds (ETFs), where each ETF invests in a different asset class like Australian equities, international equities and fixed income like bonds.
For exchange traded funds to be included in the InvestSMART Ethical Growth Portfolio the majority of that funds underlying investments must be sustainable, responsible, and/or ethical (certain cash positions and other asset types deemed not relevant for ESG analysis are excluded). Broadly an ethical fund will exclude particular industries or companies from their investment holdings or specifically includes companies or industries that meet certain specific sustainability targets or criteria.
With the InvestSMART’s Ethical Growth Portfolio it has never been easier or more affordable to own a professionally managed portfolio of sustainable, responsible and ethical investments providing exposure to a diverse range of asset classes.
Benefits of investing in this portfolio:
Professionally managed ethical portfolio of diversified ETFs
Low management fees from $2 a week to a maximum of $451 per year no matter your investment size*
Online reporting and end of year tax reporting
Approved product for Fundlater loan, Australia’s first invest now fund later service.
Performance to 31 October 2021 (all returns are annualised)
3 months 6 months 1 year SI p.a.
Total Return 1.20% 7.00% 18.24% 18.24%
Average of 806 peers funds^ 0.28% 4.63% 17.62% 12.09%
Excess to Peers 0.92% 2.37% 0.62% 8.01%
Note: Performance shown is theoretical from 1 November 2020 and includes management fees but excludes brokerage and other trading costs.
Top Holdings
CSL Ltd3.14%
Commonwealth Bank of Australia2.92%
Apple Inc1.90%
Microsoft Corp1.55%
National Australia Bank Ltd1.50%
Westpac Banking Corp1.41%
Wesfarmers Ltd1.39%
Australia and New Zealand Banking Group Ltd1.29%
Amazon.com Inc1.22%
Fortescue Metals Group Ltd1.08%
Offer: 3 complimentary coupons to InvestSMART Bootcamp if you invest during the offer period+
Offer opensMonday 15 November 2021
Offer closesFriday 26 November 2021
Minimum Investment amount$10,000
(or $4,000 with Fundlater)
Management Fees$99 - $451 p.a. capped
Brokerage costGreater of $4.95 and 0.099% per trade per security
Note: To make sure this investment is appropriate for you, please read our Target Market Determination for this portfolio.
Ethical Growth Portfolio
Asset Allocation
Allocation
Australian Equities
32.11%
International Equities
36.95%
Fixed Interest
21.53%
Cash
9.41%
Ethical investing no longer means lower returns with Evan Lucas

Our investment committee

The primary role of our Committee is to oversee the general management and ongoing monitoring of our investment solutions and investment strategies.

  • Paul Clitheroe, AM
    Chairman
    Paul Clitheroe, AM
    Paul Clitheroe, AM AM, B.A. (UNSW), SNF Fin, CFP Chairman

    Paul has 37 years of investment experience and is regarded one of Australia's leading "money" experts. From 1993 to 2002, Paul hosted the popular Channel 9 program Money and now currently writes for newspapers across Australia, is a frequent guest expert on Australia's major television networks and radio.

    Paul is Chairman of The Australian Government Financial Literacy Board and Money Magazine. He also holds the Chair of Financial Literacy at Macquarie University.

  • Effie Zahos
    Independent Director
    Effie Zahos
    Effie Zahos Independent Director

    Effie is one of Australia’s leading personal finance commentators with more than two decades of experience helping Australians make the most of their money. A regular money expert on Channel 9’s Today Show and on radio around Australia, Effie is also the author of The Great $20 Adventure and A Real Girl’s Guide to Money.

    Effie was editor of Money magazine until 2019, having helped establish it in 1999 and is now Editor-at-Large of Canstar. Passionate about financial literacy, Effie sits on the board of directors for Ecstra, a not-for-profit organisation committed to building the financial capability of all Australians.

    Effie holds a Bachelor of Economics Degree from the University of Queensland. She is the proud mother of two children who are beginning to build on their own financial freedom.

  • Alan Kohler, AM
    Editor-in-Chief
    Alan Kohler, AM
    Alan Kohler, AM Editor-in-Chief

    Alan has been covering business and markets as a financial journalist for 48 years, including two stints as the Financial Review’s Chanticleer columnist and periods as editor of The Age and the AFR. He also started Eureka Report in 2005 and Business Spectator in 2007.

    As well as being Editor-in-Chief of InvestSMART Group, Alan is currently finance presenter on ABC News, Business Editor at Large of The Australian, presenter of the Talking Business channel on Qantas radio and an adjunct professor in the business faculty at Victoria University.

  • Ron Hodge
    Managing Director
    Ron Hodge
    Ron Hodge B.Com, B.Econ, MSc. Info Tech, GAICD, SF FIN Managing Director

    Ron has worked in financial services for over 25 years, including UBS in Singapore and Bell Commodities in Sydney and founded InvestSMART in 1999. Ron holds a Masters degree in Computer Science, Bachelor Degrees in Commerce and Economics, a Graduate Diploma in Applied Finance and Investments and is a Graduate of the Australian Institute of Company Directors.

  • Alastair Davidson
    Head of Funds Management
    Alastair Davidson
    Alastair Davidson B Ec (Hons), CA Head of Funds Management

    Alastair has held executive positions in the banking and financial services industry for over 27 years in the UK, USA and Australia. Prior to joining InvestSMART in 2014, he held Director positions with Aurora Funds Limited, Challenger and Salomon Smith Barney. Alastair has an Honours degree in Economics from the University of St Andrews and is currently the Treasurer of the Centenary Institute of Medical Research, Chairman of the Investment Committee of the Centenary Institute Endowment Fund and member of the Institute of Chartered Accountants in Scotland.

FAQs

Yes. Investors have legal ownership of the shares and they are held on a HIN (Holder Identification Number) registered with CHESS in the investors name.

Should you wish to withdraw your investment with InvestSMART you can transfer your shares out to a brokerage account of your choice. 

Find out more in the Help Centre.

You can view and manage your InvestSMART PMA online. 

If you are already invested, visit the My Account section of the website and select My Investments to view:

  • Investment Summary
  • Current Holdings
  • Transactions
  • Dividends & Interest
  • Deposits & Withdrawals
  • InvestSMART Fees 
  • Allocation Preferences
  • Investment Preferences

Yes, your InvestSMART PMA will receive dividends from the holdings. InvestSMART does not participate in dividend reinvestment plans. As the dividends from your holdings are paid they will go into the cash component of your account. You will see these via the Dividends & Interest tab and Deposits & Withdrawals tab within the My Account or quick links section.

Clients can elect to have the dividends paid out in a monthly income sweep. At the end of each month all dividends and interest received by your account will be tallied and paid out to the bank account you nominated in your application form.

If you do not have an income sweep in place the dividends will remain as cash and invested when your portfolios cash percentage exceeds the investment models.

Yes, you can hold more than one investment model in the same InvestSMART Professionaly Managed Account (PMA). You can hold as many investment models in the same account as you like.

If the model is part of our capped fee range the management fee will apply to your account as a whole. All portfolios titled InvestSMART are part of the capped fee range.

For example if you hold the InvestSMART Balanced Portfolio and the InvestSMART International Portfolio you will only pay a maximum of $451pa on your portfolio and not $451 per model.

Yes, we will provide you with a unique code that you can gift to another person. The code is active for 3 months.

No. You will need to use the coupon code and enroll into Bootcamp. The code is active for 3 months.

No, you do not need to open a new account to invest in this portfolio. You can add new funds the Ethical Growth Portfolio by clicking on Add Funds in the My Account section or you can switch into the Ethical Growth Portfolio from a different InvestSMART portfolio by clicking on Modify Allocations.

The only time you need to open a new account is when you are investing via a different entity e.g. you currently have an account in your individual name but you wish to invest via your SMSF.

+ The Complimentary Bootcamp Offer (Offer) is available to new and existing investors in the InvestSMART Ethical Growth Portfolio where the investment is funded between 15 November 2021 and 31 December 2021. Maximum three free Bootcamp offers per investor during offer period. RRP $147. We will send you a coupon to redeem the Offer within 30 days of funding your investment. The coupon must be used by 31 March 2022. See PDS to determine whether this product is right for you and for further information