InvestSense

InvestSense offers client-friendly, outcome-based portfolio solutions based on managed account technology using a process that allows clients to 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, while 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’s 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 timely analysis so they can assess the likely performance of their portfolios in the context of the current market environment. We’ll make decisions daily if need be, and we make sure that clients understand why we make any changes.

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’s a good chance we’ll answer it in a post. If it's useful for one client, it’s usually useful for many.
Profile Video
Staff / Employees 5
Portfolio Manager Average Experience 22 years
our team
  • Jonathan Ramsay View Profile
    Director
  • Jonathan Tolub View Profile
    Director
  • Fil Andronaco View Profile
    Director
  • Paul Carrington View Profile
    Director - Head of Adviser Solutions
  • Daniel Leach View Profile
    Investment Analyst
Investment Models
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.
Minimum Investment Amount
$25,000

Model Composition

Allocation as at February 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.
    InvestSense 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 2.98% $298,000
    Code Security name Weighting % Amount
    CASH Cash 2.98% $2,980
    Cash 2.98% $298,000
    Australian Shares 13.84% $13,836
    Code Security name Weighting % Amount
    WPL Woodside Pet 1.22% $1,221
    LSF L1 Long Short Fund 2.77% $2,770
    LNK Link Admin Hldg 1.01% $1,013
    WES Wesfarmers 0.82% $817
    SCG Scentre Grp 1.13% $1,127
    NCM Newcrest Min 1.33% $1,331
    CBA Commonwealth Bank of Aust 1.14% $1,136
    BKL Blackmores 0.78% $782
    BHP BHP 1.25% $1,247
    AGL AGL Energy 1.30% $1,296
    CSL CSL 1.09% $1,094
    Australian Shares 13.84% $13,836
    International Shares 11.32% $11,324
    Code Security name Weighting % Amount
    MGE9885AU Magellan High Conviction Fund 2.04% $2,045
    IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 3.11% $3,108
    IVE iShares MSCI EAFE ETF 2.06% $2,058
    IVV iShares S&P 500 ETF 1.79% $1,790
    MGL0004AU Ironbark Royal London Concentrated Global Share 2.32% $2,323
    International Shares 11.32% $11,324
    Australian Fixed Interest 44.00% $4,400,000
    Code Security name Weighting % Amount
    IOF0145AU Janus Henderson Tactical Income 20.21% $20,210
    AAA Betashares Australian High Interest Cash ETF 23.79% $23,790
    Australian Fixed Interest 44.00% $4,400,000
    International Fixed Interest 25.11% $25,112
    Code Security name Weighting % Amount
    ETL0016AU PIMCO Diversified Fixed Interest W 25.11% $25,112
    International Fixed Interest 25.11% $25,112
    Alternatives 2.75% $2,752
    Code Security name Weighting % Amount
    ECL0013AU Ellerston Australian Market Neutral 2.75% $2,752
    Alternatives 2.75% $2,752
    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.

    Model Portfolio Fee
    $ - per month
    This includes:

    InvestSense 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 InvestSense 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.

    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.
    Minimum Investment Amount
    $25,000

    Model Composition

    Allocation as at February 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.
      InvestSense 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 2.95% $295,000
      Code Security name Weighting % Amount
      CASH Cash 2.95% $2,950
      Cash 2.95% $295,000
      Australian Shares 23.22% $23,208
      Code Security name Weighting % Amount
      WPL Woodside Pet 1.17% $1,168
      MVP Medical Developments 0.98% $980
      MNY MONEY3 Corporation 1.26% $1,258
      LSF L1 Long Short Fund 2.94% $2,942
      LOV Lovisa Hldgs 1.23% $1,235
      LNK Link Admin Hldg 1.05% $1,047
      WES Wesfarmers 1.06% $1,057
      NCM Newcrest Min 1.09% $1,089
      TWE Treasury Wine 1.07% $1,067
      SEK Seek 1.02% $1,016
      CBA Commonwealth Bank of Aust 1.01% $1,011
      BSL BlueScope Steel 1.04% $1,045
      BKL Blackmores 0.78% $779
      BHP BHP 1.10% $1,099
      ANZ ANZ Banking Grp 1.13% $1,125
      AMC Amcor 1.15% $1,152
      AMA AMA Group Limited 1.02% $1,017
      AGL AGL Energy 1.08% $1,082
      CSL CSL 1.00% $998
      SCG Scentre Grp 1.04% $1,044
      Australian Shares 23.22% $23,208
      International Shares 21.96% $21,957
      Code Security name Weighting % Amount
      IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.18% $4,177
      IVE iShares MSCI EAFE ETF 4.39% $4,388
      IVV iShares S&P 500 ETF 3.95% $3,952
      MGE9885AU Magellan High Conviction Fund 4.43% $4,434
      MGL0004AU Ironbark Royal London Concentrated Global Share 5.01% $5,006
      International Shares 21.96% $21,957
      Australian Fixed Interest 30.03% $3,003,000
      Code Security name Weighting % Amount
      IOF0145AU Janus Henderson Tactical Income 15.41% $15,406
      AAA Betashares Australian High Interest Cash ETF 14.62% $14,619
      Australian Fixed Interest 30.03% $3,003,000
      International Fixed Interest 18.96% $18,959
      Code Security name Weighting % Amount
      ETL0016AU PIMCO Diversified Fixed Interest W 18.96% $18,959
      International Fixed Interest 18.96% $18,959
      Alternatives 2.88% $2,880
      Code Security name Weighting % Amount
      ECL0013AU Ellerston Australian Market Neutral 2.88% $2,880
      Alternatives 2.88% $2,880
      100.00%
      Total
      $99,980
      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.

      Model Portfolio Fee
      $ - per month
      This includes:

      InvestSense 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 InvestSense 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.

      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.
      Minimum Investment Amount
      $25,000

      Model Composition

      Allocation as at February 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.
        InvestSense 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 2.90% $290,000
        Code Security name Weighting % Amount
        CASH Cash 2.90% $2,900
        Cash 2.90% $290,000
        Australian Shares 32.17% $3,217,000
        Code Security name Weighting % Amount
        WPL Woodside Pet 1.28% $1,277
        MNY MONEY3 Corporation 1.41% $1,410
        NCM Newcrest Min 1.19% $1,191
        QBE QBE Insurance Grp 1.22% $1,225
        LSF L1 Long Short Fund 3.88% $3,881
        LOV Lovisa Hldgs 1.38% $1,384
        LNK Link Admin Hldg 1.15% $1,146
        WES Wesfarmers 1.15% $1,154
        RHC Ramsay Health Care 1.15% $1,151
        SCG Scentre Grp 1.14% $1,142
        SEK Seek 1.11% $1,112
        SGR The Star Entertain 1.14% $1,142
        TWE Treasury Wine 1.17% $1,168
        CSL CSL 1.09% $1,085
        CBA Commonwealth Bank of Aust 1.11% $1,106
        BXB Brambles 1.25% $1,245
        BSL BlueScope Steel 1.14% $1,144
        BKL Blackmores 0.85% $849
        BHP BHP 1.20% $1,204
        ANZ ANZ Banking Grp 1.23% $1,231
        AMC Amcor 1.26% $1,260
        AMA AMA Group Limited 1.14% $1,140
        AGL AGL Energy 1.18% $1,184
        MQG Macq Grp 1.25% $1,253
        MVP Medical Developments 1.10% $1,098
        Australian Shares 32.17% $3,217,000
        International Shares 32.06% $32,063
        Code Security name Weighting % Amount
        IVV iShares S&P 500 ETF 5.99% $5,985
        MGE9885AU Magellan High Conviction Fund 6.71% $6,708
        IVE iShares MSCI EAFE ETF 6.63% $6,634
        IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.16% $5,162
        MGL0004AU Ironbark Royal London Concentrated Global Share 7.57% $7,574
        International Shares 32.06% $32,063
        Australian Fixed Interest 18.35% $18,348
        Code Security name Weighting % Amount
        IOF0145AU Janus Henderson Tactical Income 8.71% $8,709
        AAA Betashares Australian High Interest Cash ETF 9.64% $9,640
        Australian Fixed Interest 18.35% $18,348
        International Fixed Interest 10.72% $10,717
        Code Security name Weighting % Amount
        ETL0016AU PIMCO Diversified Fixed Interest W 10.72% $10,717
        International Fixed Interest 10.72% $10,717
        Alternatives 3.80% $3,799
        Code Security name Weighting % Amount
        ECL0013AU Ellerston Australian Market Neutral 3.80% $3,799
        Alternatives 3.80% $3,799
        100.00%
        Total
        $100,009
        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.

        Model Portfolio Fee
        $ - per month
        This includes:

        InvestSense 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 InvestSense 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.

        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.
        Minimum Investment Amount
        $25,000

        Model Composition

        Allocation as at February 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.
          InvestSense 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 2.87% $287,000
          Code Security name Weighting % Amount
          CASH Cash 2.87% $2,870
          Cash 2.87% $287,000
          Australian Shares 39.27% $3,927,000
          Code Security name Weighting % Amount
          LSF L1 Long Short Fund 3.83% $3,831
          MNY MONEY3 Corporation 1.43% $1,433
          MQG Macq Grp 1.28% $1,280
          MVP Medical Developments 1.12% $1,116
          NAN Nanosonics 1.36% $1,365
          NCM Newcrest Min 1.22% $1,218
          QBE QBE Insurance Grp 1.25% $1,252
          LOV Lovisa Hldgs 1.41% $1,407
          LNK Link Admin Hldg 1.17% $1,172
          S32 South32 1.31% $1,314
          SCG Scentre Grp 1.17% $1,168
          SEK Seek 1.14% $1,137
          SGR The Star Entertain 1.17% $1,168
          TGR Tassal Grp 1.25% $1,248
          TLS Telstra Corp 1.28% $1,283
          TWE Treasury Wine 1.19% $1,194
          RHC Ramsay Health Care 1.18% $1,177
          WES Wesfarmers 1.18% $1,181
          WPL Woodside Pet 1.31% $1,307
          CBA Commonwealth Bank of Aust 1.13% $1,133
          AGL AGL Energy 1.21% $1,210
          AMA AMA Group Limited 1.16% $1,158
          AMC Amcor 1.29% $1,289
          ANZ ANZ Banking Grp 1.26% $1,259
          BHP BHP 1.23% $1,231
          BKL Blackmores 0.87% $870
          BSL BlueScope Steel 1.17% $1,170
          CSL CSL 1.11% $1,113
          JHG Janus Henderson 1.32% $1,322
          BXB Brambles 1.27% $1,274
          Australian Shares 39.27% $3,927,000
          International Shares 38.81% $38,816
          Code Security name Weighting % Amount
          IVV iShares S&P 500 ETF 7.51% $7,511
          IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.10% $5,098
          MGL0004AU Ironbark Royal London Concentrated Global Share 9.49% $9,490
          MGE9885AU Magellan High Conviction Fund 8.40% $8,405
          IVE iShares MSCI EAFE ETF 8.31% $8,313
          International Shares 38.81% $38,816
          Australian Fixed Interest 10.01% $10,011
          Code Security name Weighting % Amount
          IOF0145AU Janus Henderson Tactical Income 4.30% $4,298
          AAA Betashares Australian High Interest Cash ETF 5.71% $5,713
          Australian Fixed Interest 10.01% $10,011
          International Fixed Interest 5.29% $5,290
          Code Security name Weighting % Amount
          ETL0016AU PIMCO Diversified Fixed Interest W 5.29% $5,290
          International Fixed Interest 5.29% $5,290
          Alternatives 3.75% $3,750
          Code Security name Weighting % Amount
          ECL0013AU Ellerston Australian Market Neutral 3.75% $3,750
          Alternatives 3.75% $3,750
          100.00%
          Total
          $100,016
          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.

          Model Portfolio Fee
          $ - per month
          This includes:

          InvestSense 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 InvestSense 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.