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
$20,000

Model Composition

Allocation as at July 2020

    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 27.66% $2,766,000
    Code Security name Weighting % Amount
    AAA Betashares Australian High Interest Cash ETF 27.66% $27,660
    Cash 27.66% $2,766,000
    Australian Shares 11.79% $11,784
    Code Security name Weighting % Amount
    NCM Newcrest Min 1.46% $1,455
    LSF L1 Long Short Fund 2.62% $2,623
    LNK Link Admin Hldg 0.60% $597
    TWE Treasury Wine 0.83% $830
    WPL Woodside Pet 0.65% $652
    CBA Commonwealth Bank of Aust 1.09% $1,088
    BKL Blackmores 0.92% $915
    BHP BHP 1.16% $1,157
    AGL AGL Energy 0.85% $855
    CSL CSL 1.61% $1,612
    Australian Shares 11.79% $11,784
    International Shares 11.71% $11,719
    Code Security name Weighting % Amount
    IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 2.79% $2,789
    IVE iShares MSCI EAFE ETF 1.95% $1,951
    IVV iShares S&P 500 ETF 1.66% $1,664
    MGE9885AU Magellan High Conviction Fund 2.22% $2,224
    MGL0004AU Ironbark Royal London Concentrated Global Share 2.27% $2,272
    IJP iShares MSCI Japan ETF 0.82% $819
    International Shares 11.71% $11,719
    Australian Property 0.65% $648
    Code Security name Weighting % Amount
    SCG Scentre Grp 0.65% $648
    Australian Property 0.65% $648
    Australian Fixed Interest 20.43% $20,432
    Code Security name Weighting % Amount
    IOF0145AU Janus Henderson Tactical Income 20.43% $20,432
    Australian Fixed Interest 20.43% $20,432
    International Fixed Interest 24.46% $2,446,000
    Code Security name Weighting % Amount
    ETL0016AU PIMCO Diversified Fixed Interest W 24.46% $24,458
    International Fixed Interest 24.46% $2,446,000
    Alternatives 3.30% $3,299
    Code Security name Weighting % Amount
    ECL0013AU Ellerston Australian Market Neutral 3.30% $3,299
    Alternatives 3.30% $3,299
    100.00%
    Total
    $99,999
    Display fees as
    Your monthly fee
    Model Portfolio fee
    $ - per month

    All fees and charges are inclusive of GST.

    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.

    OpenInvest Fee, which 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
    Other charges:

    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.

    The estimated indirect cost for the funds in this model portfolio on a $20,000 investment is $ - per month.


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

    The estimated initial transaction cost for the funds in this model portfolio on a $20,000 investment is $ -. This is a once-off cost.


    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
    $20,000

    Model Composition

    Allocation as at July 2020

      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 18.70% $1,870,000
      Code Security name Weighting % Amount
      AAA Betashares Australian High Interest Cash ETF 18.70% $18,700
      Cash 18.70% $1,870,000
      Australian Shares 19.86% $19,872
      Code Security name Weighting % Amount
      SGR The Star Entertain 0.68% $678
      SEK Seek 1.19% $1,186
      NCM Newcrest Min 1.41% $1,412
      MVP Medical Developments 1.38% $1,383
      MNY MONEY3 Corporation 0.91% $909
      LSF L1 Long Short Fund 2.88% $2,883
      LOV Lovisa Hldgs 0.71% $709
      LNK Link Admin Hldg 0.58% $580
      TWE Treasury Wine 0.81% $805
      WPL Woodside Pet 0.63% $633
      CSL CSL 1.57% $1,572
      CBA Commonwealth Bank of Aust 1.05% $1,051
      BSL BlueScope Steel 0.94% $937
      BKL Blackmores 0.91% $909
      AGL AGL Energy 0.83% $829
      BHP BHP 1.12% $1,123
      ANZ ANZ Banking Grp 0.73% $734
      AMC Amcor 1.03% $1,033
      AMA AMA Group Limited 0.50% $505
      Australian Shares 19.86% $19,872
      International Shares 22.38% $2,238,000
      Code Security name Weighting % Amount
      MGE9885AU Magellan High Conviction Fund 4.65% $4,646
      IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 3.77% $3,772
      IJP iShares MSCI Japan ETF 1.71% $1,706
      IVE iShares MSCI EAFE ETF 4.06% $4,063
      IVV iShares S&P 500 ETF 3.44% $3,441
      MGL0004AU Ironbark Royal London Concentrated Global Share 4.75% $4,747
      International Shares 22.38% $2,238,000
      Australian Property 0.63% $629
      Code Security name Weighting % Amount
      SCG Scentre Grp 0.63% $629
      Australian Property 0.63% $629
      Australian Fixed Interest 15.84% $15,842
      Code Security name Weighting % Amount
      IOF0145AU Janus Henderson Tactical Income 15.84% $15,842
      Australian Fixed Interest 15.84% $15,842
      International Fixed Interest 18.96% $18,964
      Code Security name Weighting % Amount
      ETL0016AU PIMCO Diversified Fixed Interest W 18.96% $18,964
      International Fixed Interest 18.96% $18,964
      Alternatives 3.63% $3,626
      Code Security name Weighting % Amount
      ECL0013AU Ellerston Australian Market Neutral 3.63% $3,626
      Alternatives 3.63% $3,626
      100.00%
      Total
      $100,010
      Display fees as
      Your monthly fee
      Model Portfolio fee
      $ - per month

      All fees and charges are inclusive of GST.

      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.

      OpenInvest Fee, which 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
      Other charges:

      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.

      The estimated indirect cost for the funds in this model portfolio on a $20,000 investment is $ - per month.


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

      The estimated initial transaction cost for the funds in this model portfolio on a $20,000 investment is $ -. This is a once-off cost.


      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
      $20,000

      Model Composition

      Allocation as at July 2020

        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 13.64% $1,364,000
        Code Security name Weighting % Amount
        AAA Betashares Australian High Interest Cash ETF 13.64% $13,640
        Cash 13.64% $1,364,000
        Australian Shares 28.55% $28,564
        Code Security name Weighting % Amount
        SGR The Star Entertain 0.79% $786
        SEK Seek 1.37% $1,374
        RHC Ramsay Health Care 1.26% $1,261
        NCM Newcrest Min 1.64% $1,637
        MVP Medical Developments 1.60% $1,603
        MQG Macq Grp 1.27% $1,269
        MNY MONEY3 Corporation 1.05% $1,054
        LSF L1 Long Short Fund 3.36% $3,358
        LOV Lovisa Hldgs 0.82% $822
        LNK Link Admin Hldg 0.67% $672
        LLC Lendlease Grp 1.15% $1,148
        TWE Treasury Wine 0.93% $934
        WPL Woodside Pet 0.73% $733
        AGL AGL Energy 0.96% $961
        AMA AMA Group Limited 0.58% $585
        AMC Amcor 1.20% $1,198
        ANZ ANZ Banking Grp 0.85% $852
        CSL CSL 1.80% $1,795
        CGF Challenger 0.71% $710
        CBA Commonwealth Bank of Aust 1.22% $1,224
        BXB Brambles 1.14% $1,145
        BHP BHP 1.30% $1,299
        BKL Blackmores 1.06% $1,059
        BSL BlueScope Steel 1.09% $1,086
        Australian Shares 28.55% $28,564
        International Shares 33.22% $3,322,000
        Code Security name Weighting % Amount
        IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.76% $4,760
        MGL0004AU Ironbark Royal London Concentrated Global Share 7.26% $7,257
        MGE9885AU Magellan High Conviction Fund 7.10% $7,102
        IVV iShares S&P 500 ETF 5.27% $5,274
        IVE iShares MSCI EAFE ETF 6.22% $6,222
        IJP iShares MSCI Japan ETF 2.61% $2,606
        International Shares 33.22% $3,322,000
        Australian Property 0.73% $729
        Code Security name Weighting % Amount
        SCG Scentre Grp 0.73% $729
        Australian Property 0.73% $729
        Australian Fixed Interest 8.94% $8,937
        Code Security name Weighting % Amount
        IOF0145AU Janus Henderson Tactical Income 8.94% $8,937
        Australian Fixed Interest 8.94% $8,937
        International Fixed Interest 10.70% $10,698
        Code Security name Weighting % Amount
        ETL0016AU PIMCO Diversified Fixed Interest W 10.70% $10,698
        International Fixed Interest 10.70% $10,698
        Alternatives 4.22% $4,224
        Code Security name Weighting % Amount
        ECL0013AU Ellerston Australian Market Neutral 4.22% $4,224
        Alternatives 4.22% $4,224
        100.00%
        Total
        $100,012
        Display fees as
        Your monthly fee
        Model Portfolio fee
        $ - per month

        All fees and charges are inclusive of GST.

        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.

        OpenInvest Fee, which 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
        Other charges:

        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.

        The estimated indirect cost for the funds in this model portfolio on a $20,000 investment is $ - per month.


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

        The estimated initial transaction cost for the funds in this model portfolio on a $20,000 investment is $ -. This is a once-off cost.


        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
        $20,000

        Model Composition

        Allocation as at July 2020

          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 9.52% $952,000
          Code Security name Weighting % Amount
          AAA Betashares Australian High Interest Cash ETF 9.52% $9,520
          Cash 9.52% $952,000
          Australian Shares 35.49% $35,496
          Code Security name Weighting % Amount
          LNK Link Admin Hldg 0.69% $693
          LOV Lovisa Hldgs 0.85% $848
          LSF L1 Long Short Fund 3.60% $3,597
          MNY MONEY3 Corporation 1.09% $1,087
          MQG Macq Grp 1.31% $1,309
          MVP Medical Developments 1.65% $1,654
          NAN Nanosonics 1.79% $1,785
          NCM Newcrest Min 1.69% $1,688
          QBE QBE Insurance Grp 0.97% $968
          RHC Ramsay Health Care 1.30% $1,302
          S32 South32 0.85% $846
          SEK Seek 1.42% $1,419
          SGR The Star Entertain 0.81% $811
          TGR Tassal Grp 1.03% $1,034
          LLC Lendlease Grp 1.18% $1,185
          TWE Treasury Wine 0.96% $964
          JHG Janus Henderson 1.27% $1,274
          CBA Commonwealth Bank of Aust 1.26% $1,259
          AGL AGL Energy 0.99% $992
          AMA AMA Group Limited 0.60% $603
          AMC Amcor 1.24% $1,236
          ANZ ANZ Banking Grp 0.88% $879
          BHP BHP 1.34% $1,342
          BKL Blackmores 1.09% $1,089
          BSL BlueScope Steel 1.12% $1,120
          BXB Brambles 1.18% $1,181
          WPL Woodside Pet 0.76% $757
          CSL CSL 1.84% $1,839
          CGF Challenger 0.73% $733
          Australian Shares 35.49% $35,496
          International Shares 40.38% $4,038,000
          Code Security name Weighting % Amount
          IVE iShares MSCI EAFE ETF 7.78% $7,781
          MGL0004AU Ironbark Royal London Concentrated Global Share 9.07% $9,075
          MGE9885AU Magellan High Conviction Fund 8.88% $8,881
          IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.78% $4,783
          IJP iShares MSCI Japan ETF 3.27% $3,267
          IVV iShares S&P 500 ETF 6.60% $6,605
          International Shares 40.38% $4,038,000
          Australian Property 0.75% $752
          Code Security name Weighting % Amount
          SCG Scentre Grp 0.75% $752
          Australian Property 0.75% $752
          Australian Fixed Interest 4.25% $4,251
          Code Security name Weighting % Amount
          IOF0145AU Janus Henderson Tactical Income 4.25% $4,251
          Australian Fixed Interest 4.25% $4,251
          International Fixed Interest 5.09% $5,089
          Code Security name Weighting % Amount
          ETL0016AU PIMCO Diversified Fixed Interest W 5.09% $5,089
          International Fixed Interest 5.09% $5,089
          Alternatives 4.52% $4,525
          Code Security name Weighting % Amount
          ECL0013AU Ellerston Australian Market Neutral 4.52% $4,525
          Alternatives 4.52% $4,525
          100.00%
          Total
          $100,024
          Display fees as
          Your monthly fee
          Model Portfolio fee
          $ - per month

          All fees and charges are inclusive of GST.

          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.

          OpenInvest Fee, which 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
          Other charges:

          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.

          The estimated indirect cost for the funds in this model portfolio on a $20,000 investment is $ - per month.


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

          The estimated initial transaction cost for the funds in this model portfolio on a $20,000 investment is $ -. This is a once-off cost.


          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.