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Overview

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Key details

Performance* {{ modelPortfolio.returnInception > 0 ? '+' : '' }} {{ modelPortfolio.returnInception | percentage:1:100:'N/A' }} N/A
Proven Investment Strategy# {{ modelPortfolio.mirrorReturnInception > 0 ? '+' : '' }} {{ modelPortfolio.mirrorReturnInception | percentage:1:100:'N/A' }}
Estimated Income p.a {{ modelPortfolio.returnInceptionAnnualised | percentage:1:100:'N/A' }} N/A
Suggested Timeframe {{ modelPortfolio.timeframe }}
Structure
{{ modelPortfolio.id == 166 ? 'Active ETF' : modelPortfolio.type.name }} Active ETFs are actively managed funds that are quoted on the ASX and can be bought and sold just like any other listed stock. A managed fund pools your money together with other investors. Our investment managers then buy and sell shares or other assets on your behalf. 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.
Download Product Disclosure Statement
Performance

Growth of $10,000

As at {{ modelPortfolio.modelPortfolioPerformancesLastDate }}
Figures shown since each respective portfolio Inception Date; after investment and admin fees excl. brokerage, excluding franking; dividends re-invested, no withdrawals have been made.

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Fees {{ modelPortfolio.name }} {{ modelPortfolio.mer | percentage:2:1:'N/A' }} {{ modelPortfolio.benchmark && modelPortfolio.benchmark.peers ? ' & Average of ' + modelPortfolio.benchmark.peers.peerCount + ' peers ' : null }} {{ modelPortfolio.benchmark.peers.mer | percentage:2:1:'' }}

Note: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund or adviser statements to find out the exact fees you are being charged.
Date Buy/Entry Price Sell/Exit Price Distribution
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There are no unit prices available.

Quarterly Update from the Portfolio Manager

Video: September 2018 Review

(3mins 07 secs)

In his quarterly video update, our Balanced Portfolio Manager, Evan Lucas, shares his thoughts on:

  • why we are positioned to take advantage of growth but with a defensive backstop;
  • why the Portfolio's structure should benefit investors with volatility increasing; and
  • outlook for the Portfolio in 2019 and 2020.
Key Facts
Details
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Style {{ modelPortfolio.style || 'N/A' }}
Risk Rating {{ modelPortfolio.riskRating || 'N/A' }}
Benchmark Index {{ modelPortfolio.benchmark.name || 'N/A' }}
Inception Date {{ (modelPortfolio.inceptionDate | date:'dd MMM yyyy') || 'N/A' }}
Minimum initial investment {{ (modelPortfolio.minimumInitialInvestment | currency:$:0) || 'N/A' }}
Estimated income per annum {{ modelPortfolio.returnInceptionAnnualised != null ? modelPortfolio.returnInceptionAnnualised + '%' : 'N/A' }} (including franking credits)
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How much does InvestSMART charge?

Amount Invested

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Investment Fees ({{ investmentFees | number : 2 }}% p.a.)*

${{ totalCost / 12 | number:2 }} per month

* Our Investment Fee (capped at $451p.a.) does not include fees charged within any ETF held in this portfolio, estimated to be approximately {{ modelPortfolio.indirectCostPerAnnum }}% (indirect cost ratio). Brokerage costs are not included in this calculation. For more information about fees and costs, please see the Product Disclosure Statement and Investment Menu.

Allocation

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Top 20 Holdings

Underlying Holdings Exposure
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Date Buy/Entry Price Sell/Exit Price Distribution
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There are no unit prices available.

FAQs

Still deciding if InvestSMART is right for you? These frequently asked questions may help.
View more FAQs

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.

Yes. You can invest in as many or as few of the portfolios as you like. You can allocate a specific weight to each model and choose to have it rebalanced on a regular basis or have the percentages floating as the models change in value.

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.

An Exchange Traded Fund, or ETF, is a type of managed fund where the underlying securities comprising this fund mimic an Index. Indices are created by ratings agencies to represent a subset of the stock market e.g. the largest companies trading on the Australian Stock Exchange is represented by the All Ordinaries Index. An ETF aims to invest directly in those companies making up a particular Index. As the companies/stocks/securities have already been determined in the Index an ETF is aiming to replicate, the level of funds management required is minimal compared to other types of managed funds where active investment decisions are required. Investing in ETFs are a form of passive investing and generally incur cheaper management fees, as fewer investment decisions are required in terms of managing an ETF.

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.

When considering an investment, core to your decision-making process should be your investment objective, time horizon and risk tolerance. 

To help you determine which Portfolio might be suitable for you, join InvestSMART’s Chief Market Strategist, Evan Lucas and Head of Portfolio Services, Mitchell Sneddon as they discuss our four core diversified portfolios (Diversified Income, Balanced, Core Growth and High Growth), what they mean and in which circumstances you would use them.

New to investing?
Our mission is to help all Australians grow and protect their wealth.
Learn more about InvestSMART's core investing principles.

Our Philosophy
View our funds
*Return per annum since {{ modelPortfolio.inceptionDate | date:'dd MMM yyyy' }} after investment and admin fees as at {{ modelPortfolio.returnDate | date:'dd MMM yyyy' }}.