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Our focus is to provide you with better returns by carefully balancing risk and fees to help you achieve your financial goals. How do we know the strength of our investment solutions? We invest in them ourselves.
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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.Learn More
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.
With our suite of investment options, build a diversified portfolio to match your needs to minimise your risk without sacrificing returns.
Don't let high fees affect your long-term returns. Fees start from 0.77% p.a – lower than most managed funds.
Benefit from the experience of some of Australia's top research analysts - our investment options are actively managed by our in-house experts.
We make it easy to adjust your portfolio and switch between different investment models to suit your needs at every life stage.
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.
ChairmanPaul 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.
Managing DirectorRon 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.
Head of Funds ManagementAlastair 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.
Still deciding if InvestSMART is right for you? These frequently asked questions may help.
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Understanding our Risk Ratings
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 Label||Estimated 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|
We have adopted these risk rating guidelines and applied them to our products, as highlighted in Figure 2: 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.
What are InvestSMART's investing principles?
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.
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.
We believe in absolute transparency. This directly impacts how we manage conflicts and report our performance. We take disclosure, conflicts and transparency extremely seriously.
How long does it take for my cash to be invested? Do you buy the portfolio holdings over time?
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.
What is a Separately Managed Account (SMA)?
A Separately Managed Account (SMA) is an investment account managed to a model portfolio that is controlled by a portfolio manager. In our case that is our investment team. They decide what stocks go into the model portfolio and at what weight. The team then manage this daily adjusting the portfolio as circumstances change to achieve returns for our clients.
The model portfolios use percentage weightings so our clients achieve the same percentage returns across the board no matter the dollar value invested.
Unlike a managed fund, an SMA is not a pooled investment, everyone’s funds are not in the same bucket. You have your own account and you are the beneficial owner of the stocks held in that account.
The SMA structure is beneficial for several reasons:
- 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.