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IMPORTANT: This information is general financial product advice only and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. You should consider the relevant Product Disclosure Statement (PDS), Financial Services Guide (FSG), Target Market Determination (TMD) or seek professional advice before making any investment decision. The PDS for financial products offered through InvestSMART can be downloaded from this website or obtained by contacting 1300 880 160.

* Unique to InvestSMART, our management fees start from $44 p.a. and are capped at $880 p.a. for investments over $200,000. These fees do not include indirect management fees charged by Exchange Traded Funds, brokerage or administration fees. Administration fees are applicable at 0.11% per annum and include all buy-side brokerage. Sell-side brokerage is applicable at the greater of $4.40 or 0.044% per trade. For more information about fees and costs, please see the Product Disclosure Statement and Investment Menu or click here.

# Performance figures are after management and admin fees excl. brokerage and assuming dividends re-invested and no withdrawals. Performance figures for periods greater than one year are annualised and presented as "per annum" values. The peer comparison figures have been sourced from Morningstar data and is therefore limited to the funds and investment products included in their database. This may not include all funds available for retail investment in Australia. The peer calculation is inclusive of admin and management fees; excludes brokerage and no withdrawals have been made. InvestSMART cannot determine whether or not franking has been included, nor if dividends have been reinvested. Historical performance is not a reliable indicator of future performance.

^ Only funds and investment products included in the Morningstar Australia database are available for fee and performance comparison. This may not include all funds available for retail investment in Australia. Only funds with > three year returns were included in any fee comparison, and were compared to Morningstar’s nominated benchmark. Fees are calculated by Morningstar as the average over 10 years. Whilst every care has been taken in producing these numbers, InvestSMART does not guarantee the accuracy of the figures produced in the table. Fee data may not include all costs being charged such as platform and adviser fees. For the effect of fees on your cumulative returns, please see our report How Fees Can Destroy Your Wealth.

^^ The performance figures for the Intelligent Investor Income and Growth Model Portfolios are since inception on 1 August 2001 using theoretical buys and sells without brokerage and management fees until 1 July 2015. After the 1 July 2015 performance figures (after fees and brokerage) were recorded from the Separately Managed Accounts that mirrored these models. After 18 June 2019 performance figures (after fees and brokerage) have been recorded from the Australian Equity Income ETF (ASX: INIF) which mirrors the Income Model and after 5 October 2020 performance figures (after fees and brokerage) have been recorded from the Equity Growth ETF (ASX: IIGF) which mirrors the Growth Model. Past performance may not be a reliable indicator of future performance.

** The December Offer (Offer) is provided to you by InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435 (InvestSMART) and is only available to investors who open and fund a new account in the Professionally Managed Accounts ARSN 620 030 382 from 1 December 2025 to 31 January 2026 (Eligible PMA). Offer is not available in conjunction with any other offer (eg. Not available in conjunction with refer a friend bonus). InvestSMART will deposit AU$100 into your Eligible PMA within 14 days of receiving your investment funds into your Eligible PMA. If you have a Fundlater loan, the $100 will be invested and not used to reduce your loan balance. Minimum investment amounts and eligibility criteria apply depending on your chosen investment portfolio. InvestSMART reserves the right to modify, suspend or terminate the Offer without notice. See FAQs for more information at Invest with us.

Copyright © 1999-2026 InvestSMART Financial Services Pty Ltd. All rights reserved | Australian Financial Services Licensee: AFSL # 226435 | ABN 70 089 038 531 | Financial Services Guide. InvestSMART Funds Management Ltd | ABN 62 067 751 759 | AFSL # 246441 is the product issuer of the Intelligent Investor Exchange Traded Funds, the Professionally Managed Accounts and the Eureka Asset-backed Loan Fund.

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