Clime Investment Management

Clime's investment solutions are aligned with our clients' goals, focusing on helping everyday Australians accumulate wealth to achieve security in retirement.

Clime invests with a quality bias and a strong valuation discipline. Our approach seeks to deliver strong risk-adjusted returns by investing in a portfolio of high-quality Australian companies that are attractively priced, while assuming a lower level of total risk.

In developing our investment solutions, Clime considers multiple asset classes including Australian equities, global equities, fixed income, property, hybrid securities, debt and cash to focus on the best ideas and opportunities for our clients.
Profile Video
Funds Under Management $0.82b
Staff / Employees 32
Portfolio Manager Average Experience 21 years
our team
  • Adrian Ezquerro
    Adrian Ezquerro View Profile
    Head of Investments
  • Vincent Cook
    Vincent Cook View Profile
    Senior Analyst & Mid-Cap Portfolio Manager
  • David Walker
    David Walker View Profile
    Senior Analyst & Large-Cap Portfolio Manager
  • Vincent Chin
    Vincent Chin View Profile
    Senior Analyst - Income Strategy
  • Ronni Chalmers
    Ronni Chalmers View Profile
    Investment Director
  • Jonathan Wilson
    Jonathan Wilson View Profile
    Small-Cap Portfolio Manager
Investment Models
  • Defensive Income
    Defensive Income

    This Model Portfolio suits investors who: are averse to large fluctuations in the value of their investments over shorter time periods. This portfolio is the most risk-averse of our four Model Portfolio categories, and aims to protect you against a fall in the real value of your portfolio over time (that is, after inflation) by investing largely in Defensive assets. This means the portfolio will seek to generate a moderate income. You are comfortable with a targeted rate of return of 1-2% above inflation. As a rough guide, this Model Portfolio will typically consist of 70% Defensive assets and 30% Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

  • Sustainable Income
    Sustainable Income

    This Model Portfolio suits investors who: seek a consistent and sustainable income from your portfolio. You also have a reasonably long-term time horizon and are not overly sensitive to changes in the value of your portfolio over shorter time periods. This portfolio takes more risk than the Defensive Income portfolio, seeking to deliver higher income and higher growth. You are comfortable with a targeted rate of return of 2-3% above inflation, and value consistent income over long-term growth of assets. As a rough guide this Model Portfolio will typically consist of 50% Defensive assets and 50% in Growth assets, including higher-yielding Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

  • Robust Growth
    Robust Growth

    This Model Portfolio suits investors who: are focused on growth within your portfolio, with a commensurate lower focus on stability of the short-term value of the portfolio. This portfolio has a higher orientation to Growth assets than our Sustainable Income model but less than our Maximum Growth model. You are comfortable with a targeted rate of return of 3-4% above inflation, because you value Growth over Income in your portfolio. As a rough guide, this Model Portfolio will typically consist of 30% Defensive assets and 70% Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

  • Maximum Growth
    Maximum Growth

    This Model Portfolio suits investors who: are focused on long-term growth and are comfortable with the commensurate risk and volatility that comes with this style of investing. This portfolio has the highest orientation to Growth assets of our four Model Portfolio categories. You are seeking a targeted rate of return of 4-6% above inflation, because you value growth and are a long-term investor. As a rough guide, this Model Portfolio will typically consist of 10% Defensive assets and 90% Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

Investment Objective
Aims to achieve an annual total return of CPI+2% after fees over rolling 3-year periods.
Typical Investor
This product is designed for investors who: - Seek relatively stable, regular income from low volatility assets, but with some exposure to the share market; - Are focused on capital preservation and are prepared to forego the potential of higher returns for lower volatility and the preservation of capital; and - Accept the risk of price fluctuations particularly over periods less than the minimum investment timeframe and that capital preservation is not guaranteed.
Investment Strategy and Approach
The Investment Committee has defined the investment universe of each of the Model Portfolios and established the investment guidelines appropriate for particular investment strategies. The investment process is multi-faceted. It focuses primarily on intensive bottom-up research to identify quality investments that are attractively priced and offer an appropriately compensated risk-reward relationship. This bottom-up research is supplemented by top-down macroeconomic views. Risk management and capital preservation are key themes underlying the portfolio construction. The aim is to reduce asset specific risk and produce consistent and replicable returns.
Minimum Investment Amount
$25000

Model Composition

Allocation as at August 2019

    Allocation & Fees
    Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
    Clime Defensive Income
    This example is an out-of-date breakdown of this model and should not be taken to represent our current thinking or composition
    Cash 9.92% $992,000
    Code Security name Weighting % Amount
    CASH Cash 9.92% $9,920
    Cash 9.92% $992,000
    Australian Shares 25.69% $25,675
    Code Security name Weighting % Amount
    AMC Amcor 1.88% $1,882
    WBC Westpac Banking 2.08% $2,085
    TWE Treasury Wine 1.80% $1,797
    SEK Seek 1.12% $1,121
    RIO Rio Tinto 1.50% $1,501
    PMV Premier Invest 1.18% $1,176
    ORA Orora 1.13% $1,126
    NAB National Aust Bank 2.13% $2,128
    GUD GUD Hldgs 0.96% $960
    CSL CSL 1.74% $1,736
    CKF Collins Foods 1.16% $1,157
    CCP Credit Corp Grp 1.52% $1,519
    BVS Bravura Solution 0.92% $916
    BHP BHP 1.56% $1,562
    ANZ ANZ Banking Grp 1.99% $1,987
    WEB Webjet 0.77% $770
    WES Wesfarmers 2.25% $2,252
    Australian Shares 25.69% $25,675
    View all Australian Shares Show less Australian Shares
    International Shares 4.86% $4,862
    Code Security name Weighting % Amount
    CLA0001AU Clime International Fund - Wholesale Class 4.86% $4,862
    International Shares 4.86% $4,862
    Australian Property 9.88% $9,878
    Code Security name Weighting % Amount
    GPT GPT Grp 3.13% $3,129
    COL0001AU Charter Hall Maxim Property Securities Fund 6.75% $6,750
    Australian Property 9.88% $9,878
    Australian Fixed Interest 49.65% $4,965,000
    Code Security name Weighting % Amount
    CLA0002AU Clime Australian Income Fund 49.65% $49,650
    Australian Fixed Interest 49.65% $4,965,000
    100.00%
    Total
    $99,985
    Your monthly fee
    Model Portfolio Fee
    $ - per month
    +
    OpenInvest Fee
    FREE First 12 months
    =
    Monthly Fee
    $ -

    After the initial 12 month free period, the monthly OpenInvest fee will be $ - per month based on the investment amount entered.

    Your monthly fee explained
    Model Portfolio Fee
    $ - per month
    This includes:

    Clime Fee, which covers their professional investment management expertise, intellectual property, research, analysis, modelling, asset allocation, and buying and selling decisions. This fee is deducted directly from your investment account.

    The Indirect Cost, which is an estimate of underlying charges of some of the holdings Clime may invest in, such as ETFs and managed funds. These charges are automatically deducted by those funds, rather than coming out of your account.

    OpenInvest Fee
    FREE for the first 12 monthsthen $ - per month

    The OpenInvest Fee covers all costs of administering your portfolio, including updating your portfolio - based on decisions of your chosen investment manager - and detailed reporting. This fee is deducted directly from your investment account.

    • No hidden fees or charges
    • We pay for brokerage
    • You keep all interest earned

    A Transaction Cost is an underlying charge levied by an ETF or managed fund when you buy into or sell out of a fund.

    The estimated initial transaction cost for the funds in this model portfolio on a $100000 investment is $ -.

    All fees and charges are inclusive of GST.

    Ready to Invest?

    Our single, simple fee covers administration and operations by OpenInvest, the services of your chosen investment manager, and any indirect costs.

    Invest
    Investment Objective
    Aims to achieve an annual total return of CPI+3% after fees over rolling 5-year periods.
    Typical Investor
    This product is designed for investors who: - Require a diversified portfolio - Are seeking moderate income over the investment timeframe with a modest level of growth; - Accept a moderate degree of volatility associated with relatively higher exposure to growth assets; - Accept the risk of price fluctuations particularly over periods less than the minimum investment timeframe and that capital preservation is not guaranteed.
    Investment Strategy and Approach
    The Investment Committee has defined the investment universe of each of the Model Portfolios and established the investment guidelines appropriate for particular investment strategies. The investment process is multi-faceted. It focuses primarily on intensive bottom-up research to identify quality investments that are attractively priced and offer an appropriately compensated risk-reward relationship. This bottom-up research is supplemented by top-down macroeconomic views. Risk management and capital preservation are key themes underlying the portfolio construction. The aim is to reduce asset specific risk and produce consistent and replicable returns.
    Minimum Investment Amount
    $25000

    Model Composition

    Allocation as at August 2019

      Allocation & Fees
      Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
      Clime Sustainable Income
      This example is an out-of-date breakdown of this model and should not be taken to represent our current thinking or composition
      Cash 8.88% $888,000
      Code Security name Weighting % Amount
      CASH Cash 8.88% $8,880
      Cash 8.88% $888,000
      Australian Shares 42.26% $4,226,000
      Code Security name Weighting % Amount
      AMC Amcor 1.87% $1,869
      WBC Westpac Banking 2.07% $2,069
      TWE Treasury Wine 2.38% $2,379
      SEK Seek 1.67% $1,667
      RIO Rio Tinto 1.70% $1,701
      PMV Premier Invest 1.40% $1,399
      ORA Orora 1.34% $1,342
      NAB National Aust Bank 2.11% $2,112
      GUD GUD Hldgs 1.14% $1,144
      CSL CSL 2.30% $2,298
      WES Wesfarmers 2.24% $2,235
      CLA1557AU Clime Smaller Companies Fund 10.48% $10,480
      CKF Collins Foods 1.72% $1,723
      CCP Credit Corp Grp 1.81% $1,811
      BVS Bravura Solution 1.36% $1,365
      BHP BHP 1.77% $1,771
      APT Afterpay Touch 1.78% $1,779
      ANZ ANZ Banking Grp 1.97% $1,972
      WEB Webjet 1.15% $1,146
      Australian Shares 42.26% $4,226,000
      View all Australian Shares Show less Australian Shares
      International Shares 12.07% $12,066
      Code Security name Weighting % Amount
      CLA0001AU Clime International Fund - Wholesale Class 12.07% $12,066
      International Shares 12.07% $12,066
      Australian Property 7.22% $7,225
      Code Security name Weighting % Amount
      GPT GPT Grp 2.07% $2,071
      COL0001AU Charter Hall Maxim Property Securities Fund 5.15% $5,154
      Australian Property 7.22% $7,225
      Australian Fixed Interest 29.57% $29,571
      Code Security name Weighting % Amount
      CLA0002AU Clime Australian Income Fund 29.57% $29,571
      Australian Fixed Interest 29.57% $29,571
      100.00%
      Total
      $100,004
      Your monthly fee
      Model Portfolio Fee
      $ - per month
      +
      OpenInvest Fee
      FREE First 12 months
      =
      Monthly Fee
      $ -

      After the initial 12 month free period, the monthly OpenInvest fee will be $ - per month based on the investment amount entered.

      Your monthly fee explained
      Model Portfolio Fee
      $ - per month
      This includes:

      Clime Fee, which covers their professional investment management expertise, intellectual property, research, analysis, modelling, asset allocation, and buying and selling decisions. This fee is deducted directly from your investment account.

      The Indirect Cost, which is an estimate of underlying charges of some of the holdings Clime may invest in, such as ETFs and managed funds. These charges are automatically deducted by those funds, rather than coming out of your account.

      OpenInvest Fee
      FREE for the first 12 monthsthen $ - per month

      The OpenInvest Fee covers all costs of administering your portfolio, including updating your portfolio - based on decisions of your chosen investment manager - and detailed reporting. This fee is deducted directly from your investment account.

      • No hidden fees or charges
      • We pay for brokerage
      • You keep all interest earned

      A Transaction Cost is an underlying charge levied by an ETF or managed fund when you buy into or sell out of a fund.

      The estimated initial transaction cost for the funds in this model portfolio on a $100000 investment is $ -.

      All fees and charges are inclusive of GST.

      Ready to Invest?

      Our single, simple fee covers administration and operations by OpenInvest, the services of your chosen investment manager, and any indirect costs.

      Invest
      Investment Objective
      Aims to achieve an annual total return of CPI+4% after fees over rolling 5-year periods.
      Typical Investor
      This product is designed for investors who: - Seek a relatively high level of capital growth on their investment; - Seek a modest level of income; - Are willing to accept a high level of short-medium term capital volatility as a trade-off for long-term capital growth; and - Accept the risk of price fluctuations particularly over periods less than the minimum investment timeframe and that capital preservation is not guaranteed.
      Investment Strategy and Approach
      The Investment Committee has defined the investment universe of each of the Model Portfolios and established the investment guidelines appropriate for particular investment strategies. The investment process is multi-faceted. It focuses primarily on intensive bottom-up research to identify quality investments that are attractively priced and offer an appropriately compensated risk-reward relationship. This bottom-up research is supplemented by top-down macroeconomic views. Risk management and capital preservation are key themes underlying the portfolio construction. The aim is to reduce asset specific risk and produce consistent and replicable returns.
      Minimum Investment Amount
      $25000

      Model Composition

      Allocation as at August 2019

        Allocation & Fees
        Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
        Clime Robust Growth
        This example is an out-of-date breakdown of this model and should not be taken to represent our current thinking or composition
        Cash 6.90% $690,000
        Code Security name Weighting % Amount
        CASH Cash 6.90% $6,900
        Cash 6.90% $690,000
        Australian Shares 56.99% $5,699,000
        Code Security name Weighting % Amount
        AMC Amcor 2.33% $2,332
        WBC Westpac Banking 2.58% $2,584
        TWE Treasury Wine 2.97% $2,969
        SEK Seek 2.22% $2,221
        RIO Rio Tinto 2.12% $2,121
        PMV Premier Invest 1.86% $1,864
        ORA Orora 1.79% $1,786
        NAB National Aust Bank 2.63% $2,634
        GUD GUD Hldgs 1.52% $1,523
        CSL CSL 2.87% $2,868
        WES Wesfarmers 2.79% $2,788
        CLA1557AU Clime Smaller Companies Fund 16.22% $16,219
        CKF Collins Foods 2.29% $2,294
        CCP Credit Corp Grp 2.41% $2,409
        BVS Bravura Solution 1.82% $1,816
        BHP BHP 2.21% $2,211
        APT Afterpay Touch 2.37% $2,370
        ANZ ANZ Banking Grp 2.46% $2,460
        WEB Webjet 1.53% $1,525
        Australian Shares 56.99% $5,699,000
        View all Australian Shares Show less Australian Shares
        International Shares 24.10% $24,096
        Code Security name Weighting % Amount
        CLA0001AU Clime International Fund - Wholesale Class 24.10% $24,096
        International Shares 24.10% $24,096
        Australian Property 4.63% $4,636
        Code Security name Weighting % Amount
        GPT GPT Grp 1.03% $1,033
        COL0001AU Charter Hall Maxim Property Securities Fund 3.60% $3,602
        Australian Property 4.63% $4,636
        Australian Fixed Interest 7.38% $7,382
        Code Security name Weighting % Amount
        CLA0002AU Clime Australian Income Fund 7.38% $7,382
        Australian Fixed Interest 7.38% $7,382
        100.00%
        Total
        $100,007
        Your monthly fee
        Model Portfolio Fee
        $ - per month
        +
        OpenInvest Fee
        FREE First 12 months
        =
        Monthly Fee
        $ -

        After the initial 12 month free period, the monthly OpenInvest fee will be $ - per month based on the investment amount entered.

        Your monthly fee explained
        Model Portfolio Fee
        $ - per month
        This includes:

        Clime Fee, which covers their professional investment management expertise, intellectual property, research, analysis, modelling, asset allocation, and buying and selling decisions. This fee is deducted directly from your investment account.

        The Indirect Cost, which is an estimate of underlying charges of some of the holdings Clime may invest in, such as ETFs and managed funds. These charges are automatically deducted by those funds, rather than coming out of your account.

        OpenInvest Fee
        FREE for the first 12 monthsthen $ - per month

        The OpenInvest Fee covers all costs of administering your portfolio, including updating your portfolio - based on decisions of your chosen investment manager - and detailed reporting. This fee is deducted directly from your investment account.

        • No hidden fees or charges
        • We pay for brokerage
        • You keep all interest earned

        A Transaction Cost is an underlying charge levied by an ETF or managed fund when you buy into or sell out of a fund.

        The estimated initial transaction cost for the funds in this model portfolio on a $100000 investment is $ -.

        All fees and charges are inclusive of GST.

        Ready to Invest?

        Our single, simple fee covers administration and operations by OpenInvest, the services of your chosen investment manager, and any indirect costs.

        Invest
        Investment Objective
        Aims to achieve an annual total return of CPI+6% after fees over rolling 3-year periods.
        Typical Investor
        This product is designed for investors who: - Seek a relatively high level of capital growth on their investment; - Seek a modest level of income; - Are willing to accept a high level of short-medium term capital volatility as a trade-off for long-term capital growth; and - Accept the risk of price fluctuations particularly over periods less than the minimum investment timeframe and that capital preservation is not guaranteed.
        Investment Strategy and Approach
        The Investment Committee has defined the investment universe of each of the Model Portfolios and established the investment guidelines appropriate for particular investment strategies. The investment process is multi-faceted. It focuses primarily on intensive bottom-up research to identify quality investments that are attractively priced and offer an appropriately compensated risk-reward relationship. This bottom-up research is supplemented by top-down macroeconomic views. Risk management and capital preservation are key themes underlying the portfolio construction. The aim is to reduce asset specific risk and produce consistent and replicable returns.
        Minimum Investment Amount
        $25000

        Model Composition

        Allocation as at August 2019

          Allocation & Fees
          Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
          Clime Maximum Growth
          This example is an out-of-date breakdown of this model and should not be taken to represent our current thinking or composition
          Cash 6.76% $676,000
          Code Security name Weighting % Amount
          CASH Cash 6.76% $6,760
          Cash 6.76% $676,000
          Australian Shares 93.24% $9,324,000
          Code Security name Weighting % Amount
          AMC Amcor 4.13% $4,130
          WBC Westpac Banking 4.58% $4,578
          TWE Treasury Wine 5.26% $5,258
          SEK Seek 3.28% $3,276
          RIO Rio Tinto 3.75% $3,750
          PMV Premier Invest 2.75% $2,750
          ORA Orora 2.64% $2,635
          NAB National Aust Bank 4.67% $4,666
          GUD GUD Hldgs 2.25% $2,248
          CSL CSL 5.10% $5,101
          CLA1557AU Clime Smaller Companies Fund 26.24% $26,241
          CKF Collins Foods 3.38% $3,385
          CCP Credit Corp Grp 3.56% $3,555
          BVS Bravura Solution 2.68% $2,680
          BHP BHP 3.92% $3,918
          APT Afterpay Touch 3.50% $3,498
          ANZ ANZ Banking Grp 4.36% $4,357
          WEB Webjet 2.25% $2,251
          WES Wesfarmers 4.94% $4,935
          Australian Shares 93.24% $9,324,000
          View all Australian Shares Show less Australian Shares
          100.00%
          Total
          $99,971
          Your monthly fee
          Model Portfolio Fee
          $ - per month
          +
          OpenInvest Fee
          FREE First 12 months
          =
          Monthly Fee
          $ -

          After the initial 12 month free period, the monthly OpenInvest fee will be $ - per month based on the investment amount entered.

          Your monthly fee explained
          Model Portfolio Fee
          $ - per month
          This includes:

          Clime Fee, which covers their professional investment management expertise, intellectual property, research, analysis, modelling, asset allocation, and buying and selling decisions. This fee is deducted directly from your investment account.

          The Indirect Cost, which is an estimate of underlying charges of some of the holdings Clime may invest in, such as ETFs and managed funds. These charges are automatically deducted by those funds, rather than coming out of your account.

          OpenInvest Fee
          FREE for the first 12 monthsthen $ - per month

          The OpenInvest Fee covers all costs of administering your portfolio, including updating your portfolio - based on decisions of your chosen investment manager - and detailed reporting. This fee is deducted directly from your investment account.

          • No hidden fees or charges
          • We pay for brokerage
          • You keep all interest earned

          A Transaction Cost is an underlying charge levied by an ETF or managed fund when you buy into or sell out of a fund.

          The estimated initial transaction cost for the funds in this model portfolio on a $100000 investment is $ -.

          All fees and charges are inclusive of GST.

          Ready to Invest?

          Our single, simple fee covers administration and operations by OpenInvest, the services of your chosen investment manager, and any indirect costs.

          Invest

          Insights from Clime Investment Management