Investing for a home deposit
How to invest for a home deposit. We’re here to help
Congratulations! You’re saving to buy a home, but it will take a while to get there. Investing in a conservative portfolio will reduce your risk of loss, while giving you a better return than cash over time.
Power-up your home deposit with InvestSMART
It takes 5+ years on average to save for a deposit. It’s a slog. An InvestSMART diversified portfolio of ETFs may knock time off the saving process and keep you on track with your goal.
Exchange traded fundsOur portfolios invest in ETFs. ETFs provide access to a huge range of Australian and global shares and bonds. Most track an index (eg: the ASX 200), so you invest in hundreds of companies in one transaction.Learn more about ETFs
Diversified investmentsDiversified investments are important. It can reduce or increase the level of risk and return you’re comfortable with. Our portfolios are diversified across Australian, global, bonds and property investments.Learn how diversification works
Low costFees eat into returns. We’ve done away with most fees so you keep more of your own money, which is important when saving for a deposit. Our fees start at $55 p.a and are capped* at $550 p.a.Learn more about capped fees
InvestSMART property savings calculator
Calculate how much and how often you need to invest to reach your property deposit goal.
Ranging from conservative to high growth, we have a portfolio to help you meet your property purchase goal. We invest in ETFs, so you get best in class diversification.
Designed for those seeking a better return on their savings than the bank offers. It holds more defensive investments like bonds to buffer against share market dips, and some Australian and global shares provide some growth opportunity. Investment timeframe: 2 + years
This portfolio lets your money work hard for capital growth while reducing risk as you save for a goal like a home deposit. Includes a mix of Australian and global shares, and a higher allocation of bonds to protect against market dips. Investment timeframe: 3 - 5 + years
Invest in a growth portfolio without sacrificing your ethical standards. Suitable for people with more time to ride out the highs and lows of investment markets. You can target more long-term capital growth. It holds fewer defensive assets like bonds. Investment timeframe: 5 + years.
InvestSMART portfolio planner
Not sure what investments are right for you? We can recommend a portfolio
Simply tell us about yourself, your goals, savings, any other investments, and how long you think you’ll invest. We’ll recommend a suitable InvestSMART portfolio for you.