Investing for retirement
InvestSMART for retirement
Investing for retirement is one of the wisest things you can do to secure your future. InvestSMART helps SMSF and DIY investors build a diversified investment portfolio tailored to your goals and stage of life.
The right investments for your retirement goals. We make it easy.
By investing in the right portfolio you can boost your retirement nest egg. InvestSMART sets up and manages your investment portfolio. We monitor your portfolio so that you can get on with living your life.
Diversified investmentsInvestSMART's Professionally Managed portfolios are spread across Australian and international shares, infrastructure and property, and high quality bonds.Watch our retirement tips webinar
Low costInvestment fees matter. Paying over 1% in fees could cost you over $200,000. We cap fees at $550 p.a.* Low fees mean you keep more of your money to help fund your future.Learn how capped fees work
Safe and secureYour investments have a unique Holder Identification Number (HIN) in your name so you have full ownership and control. We use bank level security to keep your account safe.Learn how investing with us works
Invest in your retirement
Many of us don’t know how much money we’ll need in retirement to live comfortably on. Use InvestSMART’s retirement calculator to understand how much you need to invest to achieve your financial goals.
InvestSMART retirement planner
Want a portfolio recommendation? We're here to help
Tell us about your financial goals, savings, investments, and how long you plan to invest. We'll then recommend an InvestSMART portfolio that's suitable for you.
Our investment portfolios
Our portfolios range from conservative to high growth. Where you are in your retirement planning journey will influence the best type of portfolio for you and your retirement goals.
Designed to protect your wealth and optimise for income. Suitable for people who are retired or close to retiring. It offers more defensive investments like bonds and cash to buffer against share market dips. A small amount of Australian and global shares provide some growth opportunity. Investment timeframe: 2+ years
Suitable for people who want to boost their nest egg but avoid riskier investments before retirement. Designed to simultaneously maintain some growth and protect against market dips. Includes a mix of Australian and global shares, infrastructure investments, and a higher allocation of bonds. Investment timeframe: 3-5+ years
Designed for wealth accumulation. You may be early or mid-career and have time to stay invested during market highs and lows. It has an emphasis on growth assets like Australian and international shares and property. It holds fewer defensive assets like bonds. A medium to high risk tolerance. Investment timeframe: 5+ years.
This portfolio is all about wealth creation. It has more investments like global and Australian shares to aim for higher returns over the long-term. Suitable for those with time to ride out the ups and down of markets and focus on achieving their financial goals over 7+ years
A portfolio of Australian and international shares, bonds, infrastructure and property excluding companies with harmful practices to the environment and society. The portfolio provides capital growth and dividends and is suitable for those with a 5+ year investment timeframe.