Help Centre

Frequently asked questions and other supporting information

Investing with Us

Investing with Us

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.

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Investing with Us

Once the funds have cleared in the InvestSMART Applications Account they will be transferred over night into your investment account. Once settled in the investment account our team will buy the holdings in the model/s you have selected. 

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Investing with Us

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. 

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Investing with Us

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 InvestSMART Funds section of the Portfolio Manager.

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.

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Investing with Us

This depends on cash available in your account. If shares need to be sold down you will need to allow time for settlement (transaction day plus two days). After this the requested amount will be transferred to your nominated bank account. Depending who you bank with you will need to allow a further one to two business days.

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Investing with Us

Yes, when setting up an investment or at any point during your investment you are able to set up a direct debit regular contribution plan for a minimum of $100 per month. This can be altered at any point. Existing investors can find this form by going to the Forms section of InvestSMART Funds section of the Portfolio Manager or by emailing invest@investsmart.com.au.

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Investing with Us

You may notice your portfolio will not hold the stocks to the exact same weight as the model. Holdings may be marginally out for example a stock may be 4.2% rather than 4.6%. This is due to the practicality of buying a stock. We cannot buy a fraction of a stock and depending on the dollar size of your portfolio this could lead to it not being 100% on the model. 

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Investing with Us

To invest in any of our InvestSMART products, you are required to have a bank account domiciled in Australia, in the name of the entity you wish to invest through e.g individual name or company name. If you reside overseas, there are AML/CTF requirements that will have to be met and we will be more than happy to help you through the process. If you leave Australia, you can keep your investments active as long as you keep your Australian bank account remains open.

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Investing with Us

We know even the smallest difference in fees can result in substantial differences to your return. Through ongoing technology advances, our goal is to continue to reduce the cost of investing.

On launching our Professionally Managed Account (PMA) service, we have reduced our investment fees and updated our investment fee structure*.

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Investing with Us

If you invest in a Professionally Managed Account (PMA), there are no performance fees charged. The InvestSMART Australian Small Companies Fund does have a performance fee attached to the product, which is conditional on the fund's performance surpassing a couple of benchmarks. More details are provided in the fund's PDS.

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Investing with Us

Anti-Money Laundering (AML) Verification Forms

FormDescriptionDownload
AML Identity Verification Form
Individual and Joint
Use this form if you are an Individual or Joint Investor and your Identity has not yet been verified Download this form
AML Identity Verification Form
Company
Use this form if you are a Company/Corporate Investor Download this form
AML Identity Verification Form
Trust (Individual Trustee)
Use this form if you are a SMSF or Trust Investor with Individual Trustees Download this form
AML Identity Verification Form
Trust (Company Trustee)
Use this form if you are a SMSF or Trust Investor with a Company/Corporate Trustee Download this form
AML Certified Documents Guide This form outlines the requirements of how and who can certify documents Download this form


Contributions via Direct Debit

FormDescriptionDownload
One Off DD Cash Contribution Use this form to make a One Off Direct Debit Contribution Download this form
One Off DD Cash Contribution with Model Selection Use this form to make a One Off Direct Debit Contribution into a particular Model (minimum $5,000) Download this form
Regular Contribution Plan Request Use this form to establish or amend a Regular Contribution Plan (minimum $100 per month) Download this form


Withdrawal Requests

FormDescriptionDownload
Partial Withdrawal Request Use this form to make a Partial Cash Withdrawal from your SMA Download this form
Full Withdrawal Request (Account Closure) Use this form to Close your SMA and make a Full Withdrawal Download this form


Change of Model Allocation

FormDescriptionDownload
Model Allocation Changes Request Use this form to change your Model Allocation Download this form
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Investing with Us

Hybrid securities can be an attractive investment proposition, offering relatively stable income streams and lower levels of volatility when compared to equities. However, many hybrids are often more complicated than they seem and identifying which are appropriately priced is not always a simple task.

What are hybrids?

Hybrid securities are financial instruments that have both equity and debt features, and have been a key part of the Australian stock market retail product offering for many years.

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Investing with Us

What are small companies?

The definition of what constitutes a “small company” differs within the industry, but in general terms, they are companies with a market value between $300 million and $2 billion.

 

Why invest in small companies?

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Investing with Us

Diversification

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

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Investing with Us

All forms of investing, regardless of what you are investing in, carry some kind of risk. These risks relate to factors outside of our control and include, but not limited to, market conditions. Using past performance is also not a reliable indicator of future performance. As such, InvestSMART does not guarantee returns on our investment products. If you are looking to make an investment, we strongly advise you to consider whether or not this investment is suitable for your circumstances and is in keeping with your investment goals.

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Investing with Us

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.

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Investing with Us

You will be able to see your portfolio via the InvestSMART Portfolio Manager. Clients are able to see all holdings, the cost base, dividends and interest, fees, all transactions and deposits and withdrawals.

You are also able to include in the Portfolio Manager any investments you have outside of InvestSMART so you can have a neat overview of your total investments. The team can help you set this up.

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Investing with Us

The InvestSMART Capped Fee Diversified Portfolio range invests in exchange traded funds (ETFs) across a range of different asset classes including Australian shares, international shares, cash, fixed interest, property and infrastructure.

Depending on the goal of the portfolio it will hold a mixture of ETFs, each weighted depending on the risk profile of the portfolio.

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