Security of my holdings & InvestSMART website
InvestSMART has several tools and guides to help you select the right portfolio.
You will notice a common thread throughout the guides, the investment time frame. We recommend investors look at the suggested time frame associated with each portfolio to see if it aligns with their investment goal.
Here is a list of tools and guides to help select the right portfolio:
- InvestSMART's statement of advice
- InvestSMART's guide to growing your wealth
- InvestSMART's guide to investing in retirement
- InvestSMART's investor pack
- Wealth savings calculator
- Saving to buy a property calculator
- Saving for kids education calculator
- Saving for retirement calculator
Additionally, we have InvestSMART Bootcamp, which is a comprehensive investment course designed to get you started on the right foot.
The InvestSMART Professionally Managed Account (PMA) is established and offered within the registered managed investment scheme known as the Professionally Managed Accounts.
Each investor has a separate "Account" to which their investments are allocated.
Your Account can be constructed by using a range of available investment strategies that you select. Each investment strategy is referred to as a Model Portfolio, and they can be found by clicking here.
Once you decide which Model Portfolio(s) are best suited to your investment needs and objectives, we will purchase investment to be included in your Account so that it reflects the Model Portfolio, or combination of Model Portfolios, that you have selected.
We provide Professionally Managed Accounts (PMAs), which are portfolios of securities managed professionally and designed with several investment objectives in mind.
These managed portfolios can comprise of Exchange Traded Funds (ETFs) or direct shares. In particular, the InvestSMART Hybrid Income Portfolio invests in Australian listed hybrids and listed debt securities.
What is an Exchange Traded Fund? An Exchange Traded Fund, or ETF, is a managed fund that trades on a stock exchange, such as the ASX.
There are different types of ETFs, each with its own purpose, but most commonly, they will track or follow a particular index.
For example, if you want to follow or track the S&P ASX 200 (the top 200 Australian shares by market capitalisation), you could either buy each individual share (200 shares) or one ETF. The one ETF wraps up the 200 shares into one holding. By holding this one ETF, you get exposure to the movements of the ASX 200, less any fees.
Investing in ETFs is a form of passive investing, and they generally incur cheaper management fees, as fewer investment decisions are required to manage an ETF. They are also quite liquid and traded easily on an exchange.
You can see the holdings of each InvestSMART managed portfolio by navigating to its product page and scrolling to Key Facts > Allocations > Current Holdings.
Yes, your shares and ETFs will be held in your name in a CHESS sponsored broking account.
You are the registered legal and beneficial owner of a portfolio of securities. You can log into the investor website at any time to view the individual securities that make up your Account.
Rebalancing within the PMA is an automatic process whereby Model Portfolios are compared against the investors’ Accounts. The portfolios are monitored on a daily basis, reviewed monthly and reviewed by the Investment Committee formally every quarter.
We aim to keep transactions to a minimum and allow the asset classes to provide the return rather then chopping and changing out of investments.
Your Account will only be rebalanced in the following circumstances:
- The Portfolio Manager decides to rebalance or switch out a holding;
- You make an investment in or withdraw cash and/or investments from your Account;
- You switch Model Portfolios or make other alterations to your Account; or
- Where your cash holding has moved away from the minimum required due to income received or fees paid.
Investors can see the transactions via the Transactions section when logged in.