Spotlight: WealthBuilder Portfolio
It's been more than a decade since InvestSMART launched our first investment portfolios. Our latest offering, the WealthBuilder Portfolio, made its debut in September 2026 and comes with an important difference: you can get started with just $1,000. Here's what you need to know.
About the InvestSMART WealthBuilder Portfolio
The WealthBuilder Portfolio invests in one to four exchange-traded funds (ETFs) with an emphasis on growth assets such as Australian and international shares.
It's best suited to Aussies investing for longer-term goals as the minimum suggested investment timeframe is seven years.
Here are a few quick facts about the WealthBuilder Portfolio:
- Inception date: 1 September 2026
- Suggested timeframe: 7 years or more
- Risk: High
- Minimum initial investment: $1,000
- Management fee: 0.44% p.a. capped at $880 p.a.
- Admin fee: 0.11% p.a. includes buy-side brokerage costs.
- Benchmark Index: Morningstar Australia Aggressive Target Allocation NR AUD
Where does the InvestSMART WealthBuilder Portfolio invest?
The WealthBuilder Portfolio has a high allocation of growth assets, with 69% invested in international equities and 30% in Australian equities as at 30 September 2026. The remaining 1% is in cash.
The ETFs that InvestSMART currently includes in the WealthBuilder Portfolio are:
Some of the underlying ETF holdings include NVIDIA, Apple, BHP, Commonwealth Bank and Microsoft.
What are the fees?
The annual management fee is 0.44% - that's $4.40 a year on a $1,000 investment. The management fee is capped at $880 a year for balances of $200,000 or more.
A flat 0.11% admin fee covers all buy-side brokerage, so you can top up your investments without extra costs. This brings InvestSMART's fees to 0.55% a year, or $5.50 on a $1,000 investment.
Brokerage does apply when selling (including during rebalances) at $4.40 per trade, or 0.044% of the trade value (whichever is higher).
There are also indirect costs charged by the underlying ETFs. For the WealthBuilder Portfolio, these are currently estimated to be 0.14% a year.
How has the InvestSMART WealthBuilder Portfolio performed?
At the time of writing, WealthBuilder has been running for less than a month, so there isn't yet a full month of performance to report. We'll add performance information once the portfolio has been running for longer.
Key takeouts
The InvestSMART WealthBuilder Portfolio could be worth considering if you're investing for the long term, are comfortable with the ups and downs of sharemarkets and want exposure to both Australian and international shares.
What makes WealthBuilder different is that you can get started with just $1,000, rather than the $10,000 minimum for our other readymade portfolios.
Frequently Asked Questions about this Article…
The InvestSMART WealthBuilder Portfolio is a ready-made growth-focused portfolio that launched on 1 September 2026. It invests in one to four exchange-traded funds (ETFs) with an emphasis on growth assets like Australian and international shares, and uses the Morningstar Australia Aggressive Target Allocation NR AUD as its benchmark.
You can start the WealthBuilder Portfolio with a minimum initial investment of $1,000. That’s a key difference versus InvestSMART’s other readymade portfolios, which typically require a $10,000 minimum.
As at 30 September 2026 the portfolio had a high growth allocation: 69% in international equities, 30% in Australian equities and 1% in cash.
InvestSMART currently includes the Betashares Global Shares ETF (ASX: BGBL) and the iShares Core S&P/ASX 200 ETF (ASX: IOZ) in the WealthBuilder Portfolio. Some examples of underlying holdings across those ETFs include NVIDIA, Apple, BHP, Commonwealth Bank and Microsoft.
The management fee is 0.44% p.a. (for example $4.40 a year on a $1,000 investment) and is capped at $880 p.a. for balances of $200,000 or more. A flat admin fee of 0.11% p.a. (which covers buy-side brokerage) brings InvestSMART’s total ongoing fee to 0.55% p.a. on the portfolio, or $5.50 on a $1,000 balance. The underlying ETFs also charge indirect costs, currently estimated at about 0.14% p.a.
Yes. Brokerage applies when selling (including during rebalances) at $4.40 per trade or 0.044% of the trade value, whichever is higher. Buy-side brokerage is covered by the 0.11% admin fee, so you won’t pay extra when topping up.
The WealthBuilder Portfolio is best suited to Australians investing for longer-term goals who are comfortable with sharemarket volatility. The suggested minimum investment timeframe is seven years or more and the portfolio is classified as high risk.
At the time of the article the WealthBuilder Portfolio had been running for less than a month, so there isn’t a full month of performance data yet. InvestSMART will publish performance information once the portfolio has been running for longer.
Call 1300 880 160
Start a chat
Schedule a call
