InvestSense

InvestSense offers client-friendly, outcome-based portfolio solutions based on managed account technology using a process that allows clients to fortify and develop their understanding of the investment world and how their money is invested.

There are three pillars to our money management and client engagement process:

1. A Pragmatic, Flexible and Contemporary Approach to Building Portfolios.
We believe in mixing the old with the new. Established Fund Managers can provide consistency and certainty, whilst newer, up and coming Fund Managers enable us to diversify providing a contemporary perspective on the market. We also invest in direct stocks or less expensive Exchange Traded Funds if that is appropriate in certain markets.

2. 24/7 Risk & Outcome Management.
We provide honest forward-looking scenarios of projected outcomes and expected returns. Clients are offered value-add, timely analysis so they can assess for themselves the likely outcomes of their portfolios in the context of the current market environment. We will make decisions on a daily basis if need be but we also make sure that clients are able to understand why.

3. Ongoing Investment Education.
We aim to make the investment journey enjoyable and provide ongoing engagement tools. Our educational content demystifies investment, with the objective of making the investment world more accessible for individuals. This is a two way, dynamic process. Ask us a general question about markets and there is a very good chance we will answer it via a blog post. If it's useful for one client it is usually useful for many of our clients.
Profile Video
Staff / Employees 5
Portfolio Manager Average Experience 18 years
our team
  • Jonathan Ramsay
    Jonathan Ramsay View Profile
    Director
  • Jonathan Tolub
    Jonathan Tolub View Profile
    Director
  • Fil Andronaco
    Fil Andronaco View Profile
    Director
  • Paul Carrington
    Paul Carrington View Profile
    Director - Head of Adviser Solutions
  • Daniel Leach
    Daniel Leach View Profile
    Investment Analyst
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
The investment objective is to achieve a return of CPI +2% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
Typical Investor
Designed for investors who seek a return above inflation but with a low to medium tolerance for risk and are therefore willing to accept lower returns for a lower level of risk, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
Investment Strategy and Approach
InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.

Model Composition

Allocation as at December 2018

    Fees & Charges
    Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
    InvestSense Defensive Income
    As at December 2018
    Cash 3.05% $305,000
    Code Security name Weighting % Amount
    CASH Cash 3.05% $3,050
    Cash 3.05% $305,000
    Australian Shares 13.17% $13,166
    Code Security name Weighting % Amount
    WPL Woodside Pet 1.01% $1,009
    LSF L1 Long Short Fund 2.53% $2,526
    LNK Link Admin Hldg 0.98% $977
    WES Wesfarmers 0.79% $790
    SCG Scentre Grp 1.14% $1,143
    NCM Newcrest Min 1.16% $1,159
    CBA Commonwealth Bank of Aust 1.11% $1,110
    BKL Blackmores 1.02% $1,024
    BHP BHP 1.15% $1,149
    AGL AGL Energy 1.20% $1,201
    CSL CSL 1.08% $1,080
    Australian Shares 13.17% $13,166
    View all Australian Shares Show less Australian Shares
    International Shares 10.56% $10,566
    Code Security name Weighting % Amount
    MGE9885AU Magellan High Conviction Fund 1.87% $1,871
    IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 2.98% $2,982
    IVE iShares MSCI EAFE ETF 1.95% $1,955
    IVV iShares S&P 500 ETF 1.64% $1,639
    MGL0004AU Ironbark Royal London Concentrated Global Share 2.12% $2,118
    International Shares 10.56% $10,566
    Australian Fixed Interest 44.95% $4,495,000
    Code Security name Weighting % Amount
    IOF0145AU Janus Henderson Tactical Income 20.64% $20,645
    AAA Betashares Australian High Interest Cash ETF 24.31% $24,313
    Australian Fixed Interest 44.95% $4,495,000
    International Fixed Interest 25.36% $25,361
    Code Security name Weighting % Amount
    ETL0016AU PIMCO Diversified Fixed Interest W 25.36% $25,361
    International Fixed Interest 25.36% $25,361
    Alternatives 2.91% $2,907
    Code Security name Weighting % Amount
    ECL0013AU Ellerston Australian Market Neutral 2.91% $2,907
    Alternatives 2.91% $2,907
    100.00%
    Total
    $100,008
    Fees & Charges
    Enter an investment amount to get an estimate on your fees.
    Management fee
    0.75% $0
    +
    Indirect cost
    0.43% $0
    =
    Total Per Annum
    1.18% $0

    You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.

    If you would like to see our fees and charges in more detail, please visit our Fees section.

    Initial Transaction Cost

    The estimated transaction cost for the funds in this model portfolio is $0

    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
    The investment objective is to achieve a return of CPI +3% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
    Typical Investor
    Designed for investors who seek a modest return above inflation but with a medium tolerance for risk and are therefore willing to accept some volatility in their portfolio in order to achieve their long-term objective, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
    Investment Strategy and Approach
    InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.

    Model Composition

    Allocation as at December 2018

      Fees & Charges
      Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
      InvestSense Sustainable Income
      As at December 2018
      Cash 3.24% $324,000
      Code Security name Weighting % Amount
      CASH Cash 3.24% $3,240
      Cash 3.24% $324,000
      Australian Shares 19.26% $19,255
      Code Security name Weighting % Amount
      WPL Woodside Pet 1.01% $1,008
      LSF L1 Long Short Fund 2.65% $2,645
      LOV Lovisa Hldgs 0.82% $824
      LNK Link Admin Hldg 0.98% $976
      WES Wesfarmers 0.79% $788
      NCM Newcrest Min 1.16% $1,158
      TWE Treasury Wine 1.10% $1,097
      CSL CSL 1.08% $1,077
      SEK Seek 1.05% $1,055
      BSL BlueScope Steel 0.91% $908
      BKL Blackmores 1.03% $1,026
      BHP BHP 1.15% $1,148
      ANZ ANZ Banking Grp 1.02% $1,022
      AMC Amcor 1.07% $1,075
      AGL AGL Energy 1.20% $1,199
      CBA Commonwealth Bank of Aust 1.10% $1,105
      SCG Scentre Grp 1.14% $1,142
      Australian Shares 19.26% $19,255
      View all Australian Shares Show less Australian Shares
      International Shares 21.07% $21,079
      Code Security name Weighting % Amount
      IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.16% $4,163
      IVE iShares MSCI EAFE ETF 4.35% $4,350
      IVV iShares S&P 500 ETF 3.69% $3,687
      MGE9885AU Magellan High Conviction Fund 4.16% $4,165
      MGL0004AU Ironbark Royal London Concentrated Global Share 4.71% $4,714
      International Shares 21.07% $21,079
      Australian Fixed Interest 32.73% $3,273,000
      Code Security name Weighting % Amount
      IOF0145AU Janus Henderson Tactical Income 16.82% $16,816
      AAA Betashares Australian High Interest Cash ETF 15.91% $15,911
      Australian Fixed Interest 32.73% $3,273,000
      International Fixed Interest 20.66% $20,657
      Code Security name Weighting % Amount
      ETL0016AU PIMCO Diversified Fixed Interest W 20.66% $20,657
      International Fixed Interest 20.66% $20,657
      Alternatives 3.04% $3,045
      Code Security name Weighting % Amount
      ECL0013AU Ellerston Australian Market Neutral 3.04% $3,045
      Alternatives 3.04% $3,045
      100.00%
      Total
      $100,002
      Fees & Charges
      Enter an investment amount to get an estimate on your fees.
      Management fee
      0.75% $0
      +
      Indirect cost
      0.43% $0
      =
      Total Per Annum
      1.18% $0

      You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.

      If you would like to see our fees and charges in more detail, please visit our Fees section.

      Initial Transaction Cost

      The estimated transaction cost for the funds in this model portfolio is $0

      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
      The investment objective is to achieve a return of CPI +4% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
      Typical Investor
      Designed for investors who seek a high return above inflation but with a medium to high tolerance for risk and are therefore willing to accept a medium to high degree of volatility in their portfolio in order to achieve their long-term objective, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
      Investment Strategy and Approach
      InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.

      Model Composition

      Allocation as at December 2018

        Fees & Charges
        Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
        InvestSense Robust Growth
        As at December 2018
        Cash 3.26% $326,000
        Code Security name Weighting % Amount
        CASH Cash 3.26% $3,260
        Cash 3.26% $326,000
        Australian Shares 28.23% $28,250
        Code Security name Weighting % Amount
        WPL Woodside Pet 1.14% $1,140
        QBE QBE Insurance Grp 1.08% $1,077
        LSF L1 Long Short Fund 3.60% $3,597
        LOV Lovisa Hldgs 0.95% $952
        LNK Link Admin Hldg 1.10% $1,102
        RHC Ramsay Health Care 1.26% $1,257
        WES Wesfarmers 0.89% $889
        SCG Scentre Grp 1.29% $1,290
        SEK Seek 1.19% $1,190
        SGR The Star Entertain 1.21% $1,212
        TWE Treasury Wine 1.24% $1,239
        CSL CSL 1.22% $1,224
        CBA Commonwealth Bank of Aust 1.25% $1,251
        BXB Brambles 1.22% $1,223
        BSL BlueScope Steel 1.03% $1,026
        BKL Blackmores 1.15% $1,154
        BHP BHP 1.29% $1,295
        ANZ ANZ Banking Grp 1.15% $1,155
        AMC Amcor 1.21% $1,214
        AGL AGL Energy 1.35% $1,354
        NCM Newcrest Min 1.31% $1,307
        MQG Macq Grp 1.10% $1,105
        Australian Shares 28.23% $28,250
        View all Australian Shares Show less Australian Shares
        International Shares 31.71% $3,171,000
        Code Security name Weighting % Amount
        IVE iShares MSCI EAFE ETF 6.79% $6,788
        MGE9885AU Magellan High Conviction Fund 6.50% $6,496
        IVV iShares S&P 500 ETF 5.76% $5,764
        IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.31% $5,308
        MGL0004AU Ironbark Royal London Concentrated Global Share 7.35% $7,353
        International Shares 31.71% $3,171,000
        Australian Fixed Interest 20.62% $20,621
        Code Security name Weighting % Amount
        IOF0145AU Janus Henderson Tactical Income 9.80% $9,800
        AAA Betashares Australian High Interest Cash ETF 10.82% $10,821
        Australian Fixed Interest 20.62% $20,621
        International Fixed Interest 12.04% $12,038
        Code Security name Weighting % Amount
        ETL0016AU PIMCO Diversified Fixed Interest W 12.04% $12,038
        International Fixed Interest 12.04% $12,038
        Alternatives 4.14% $4,140
        Code Security name Weighting % Amount
        ECL0013AU Ellerston Australian Market Neutral 4.14% $4,140
        Alternatives 4.14% $4,140
        100.00%
        Total
        $100,018
        Fees & Charges
        Enter an investment amount to get an estimate on your fees.
        Management fee
        0.75% $0
        +
        Indirect cost
        0.42% $0
        =
        Total Per Annum
        1.17% $0

        You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.

        If you would like to see our fees and charges in more detail, please visit our Fees section.

        Initial Transaction Cost

        The estimated transaction cost for the funds in this model portfolio is $0

        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
        The investment objective is to achieve a return of CPI +5% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
        Typical Investor
        Designed for investors who seek a high return above inflation but with a high tolerance for risk and are therefore willing to accept a high degree of volatility in their portfolio in order to achieve their long-term objective, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
        Investment Strategy and Approach
        InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.

        Model Composition

        Allocation as at December 2018

          Fees & Charges
          Enter an investment amount then scroll down to see an indicative example of the portfolio you would own, as well as the associated fee.
          InvestSense Maximum Growth
          As at December 2018
          Cash 3.30% $330,000
          Code Security name Weighting % Amount
          CASH Cash 3.30% $3,300
          Cash 3.30% $330,000
          Australian Shares 35.54% $35,541
          Code Security name Weighting % Amount
          LSF L1 Long Short Fund 3.65% $3,646
          MQG Macq Grp 1.16% $1,162
          NAN Nanosonics 1.13% $1,125
          NCM Newcrest Min 1.37% $1,372
          QBE QBE Insurance Grp 1.13% $1,130
          RHC Ramsay Health Care 1.32% $1,318
          LOV Lovisa Hldgs 0.99% $993
          LNK Link Admin Hldg 1.16% $1,157
          SCG Scentre Grp 1.35% $1,354
          SEK Seek 1.25% $1,249
          SGR The Star Entertain 1.27% $1,273
          TGR Tassal Grp 1.33% $1,333
          TLS Telstra Corp 1.19% $1,190
          TWE Treasury Wine 1.30% $1,299
          S32 South32 1.24% $1,242
          WES Wesfarmers 0.94% $936
          WPL Woodside Pet 1.19% $1,194
          CBA Commonwealth Bank of Aust 1.31% $1,309
          AGL AGL Energy 1.42% $1,421
          AMC Amcor 1.27% $1,274
          ANZ ANZ Banking Grp 1.21% $1,213
          BHP BHP 1.36% $1,360
          BKL Blackmores 1.21% $1,206
          BSL BlueScope Steel 1.08% $1,077
          BXB Brambles 1.28% $1,283
          CSL CSL 1.28% $1,276
          JHG Janus Henderson 1.15% $1,146
          Australian Shares 35.54% $35,541
          View all Australian Shares Show less Australian Shares
          International Shares 39.31% $3,931,000
          Code Security name Weighting % Amount
          IVV iShares S&P 500 ETF 7.39% $7,395
          IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.38% $5,380
          MGL0004AU Ironbark Royal London Concentrated Global Share 9.46% $9,461
          MGE9885AU Magellan High Conviction Fund 8.36% $8,358
          IVE iShares MSCI EAFE ETF 8.72% $8,723
          International Shares 39.31% $3,931,000
          Australian Fixed Interest 11.55% $11,547
          Code Security name Weighting % Amount
          IOF0145AU Janus Henderson Tactical Income 4.97% $4,967
          AAA Betashares Australian High Interest Cash ETF 6.58% $6,580
          Australian Fixed Interest 11.55% $11,547
          International Fixed Interest 6.10% $6,102
          Code Security name Weighting % Amount
          ETL0016AU PIMCO Diversified Fixed Interest W 6.10% $6,102
          International Fixed Interest 6.10% $6,102
          Alternatives 4.20% $4,197
          Code Security name Weighting % Amount
          ECL0013AU Ellerston Australian Market Neutral 4.20% $4,197
          Alternatives 4.20% $4,197
          100.00%
          Total
          $100,005
          Fees & Charges
          Enter an investment amount to get an estimate on your fees.
          Management fee
          0.75% $0
          +
          Indirect cost
          0.39% $0
          =
          Total Per Annum
          1.14% $0

          You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.

          If you would like to see our fees and charges in more detail, please visit our Fees section.

          Initial Transaction Cost

          The estimated transaction cost for the funds in this model portfolio is $0

          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 InvestSense