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As part of our mission to keep investments simple and help you grow and protect your wealth, we’re proud to be the first to offer capped fees in Australia. Whatever shape and size your financial goal comes in, we’ve got the solution for you.

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Low Cost Asset Allocation Portfolios
Part of our ‘Capped Fee’ range, these portfolios are designed to provide you with better returns by carefully balancing risk and fees by investing in a blend of our preferred Exchange Traded Funds (ETFs).
Capped Fees
We know even the smallest difference in fees can result in substantial differences to your return. Therefore, we’ve capped our fees and are passing the savings onto you.
Amount Invested
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Investment Fees ({{ product.investmentFees | number : 2 }}% p.a.)*
${{ product.totalCost / 12 | number:2 }} per month
Brokerage
The greater of $5.50 per trade or 0.11% of the value of the trade
Indirect Costs
0.18% - 0.31% p.a. (a cost associated with ETF providers)
No Other Fees
No administration & performance fees
* Our Investment Fee (capped at $451p.a.) does not include fees charged within any ETF held in this portfolio. Brokerage costs are not included in this calculation. For more information about fees and costs, please see the Product Disclosure Statement and Investment Menu.
Diversified Portfolios
Single Asset Class Portfolios
Active Stock Portfolios
Looking for a simple way to diversify your portfolio? We have a range of cost-effective investment solutions to get your portfolio where it needs to be.

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Investor Pack

Interested in investing with us? Provide your details below to receive more information on our portfolios via email or post.

Why InvestSMART?

What was the easiest way for us to know the strength of our investment solutions? We invest in them ourselves. No matter your wealth goals, find the investment solution right for you.

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You're in control

Add or withdraw from your investments at any time. Reinvest or elect to have dividends paid directly to your bank account.

Reduce risk

With our suite of investment options, build a diversified portfolio to match your needs to minimise your risk without sacrificing returns.

Low fees

Don't let high fees affect your long-term returns. Fees start from 0.77% p.a – lower than most managed funds.

Expertise

Benefit from the experience of some of Australia's top research analysts - our investment options are actively managed by our in-house experts.

Flexibility

We make it easy to adjust your portfolio and switch between different investment models to suit your needs at every life stage.

Transparency

Enjoy 24/7 visibility across your investments. View your performance online whenever you want.

Our Investment Committee

The primary role of our Committee is to oversee the general management of our investment products - including the development, selection and ongoing monitoring of the Company's investments and its strategies.

  • Paul Clitheroe
    Paul Clitheroe, AM

    Chairman

    Paul Clitheroe 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.

  • Ron Hodge
    Ron Hodge

    Managing Director

    Ron Hodge B.Com B.Econ SF FIN MSc. Info Tech GAICD 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
    Alastair Davidson

    Head of Funds Management

    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

Still deciding if InvestSMART is right for you? These frequently asked questions may help.
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The Risk Ratings that InvestSMART Group assigns to our investment products is based on an industry standard, The Standard Risk Measure (SRM). The 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.

Risk LabelEstimated number of negative annual returns over any 20 year period
Very Low  Less than 0.5
Low  0.5 to less than 1
Low to Medium  1 to less than 2
Medium  2 to less than 3
Medium to High  3 to less than 4
High  4 to less than 6
Very High  6 or greater


Source: FSC/ASFA Standard Risk Measure Guidance Paper for Trustees, July 2011

 

We have adopted these risk rating guidelines and applied them to our products, as highlighted in Figure 2: InvestSMART Group Investment Products' SRM:

InvestSMART Group Investment Products SRM

It should be noted, however, that the SRM is not a complete assessment of all forms of investment risk. For instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. As such, it should be used as a guide and as with any investment, investors should ensure they are comfortable with the risks and potential losses associated with their chosen investment option(s). Any information should be considered general in nature and before making any investment decisions, please ensure that you read all relevant disclosure documents related to that product.

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

Compounded over time, even a small difference in fees can result in substantial differences to your return and a higher management fee is no guarantee of better performance.

Transparency

We believe in absolute transparency. This directly impacts how we manage conflicts and report our performance. We take disclosure, conflicts and transparency extremely seriously. 

The day after your funds have settled your portfolio will be rebalanced. This means all the necessary shares will be purchased to bring the portfolio in line with your chosen model/models.

Unlike a managed fund, a PMA is not a pooled investment. A Professionally Managed Account (PMA) is an investment portfolio managed by our investment team that is unique and tailored to your individual needs. Under a PMA, you hold legal ownership and the underlying securities are registered under your name.

Under a PMA, you will gain the following benefits:

  • Professionally managed investment portfolio: An investment portfolio managed by InvestSMART's investment team.
  • You own the securities: The investor holds legal ownership and the underlying securities are registered under your name. As a result, the investor has a better tax position.
  • Reporting: Accounting and tax reporting on their investments. Consolidated reporting is provided online with complete and concise reporting available.
  • Transparency: Investors will see/know which securities we have invested in as they would be if they had been purchased them directly.
  • 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).
  • Account Management: The paperwork and administration is taken care of, reducing the administrative burden on investors.
  • Tax effective: You only pay tax on gains & income you received.
  • 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.
  • Flexibility with income/distributions: Choose to receive the dividends directly into an account of your choice or set up a regular payment or request payments on an adhoc basis.

Upcoming Events

Attend one of our upcoming events run by our in-house financial experts.

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Adding further value to your investment portfolio
Live webinar with PM, Nathan Bell
Adviser Q&A: The super franking question