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 May 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 2.94% $294,000
    Code Security name Weighting % Amount
    CASH Cash 2.94% $2,940
    Cash 2.94% $294,000
    Australian Shares 13.97% $13,966
    Code Security name Weighting % Amount
    WPL Woodside Pet 1.17% $1,168
    LSF L1 Long Short Fund 2.75% $2,754
    LNK Link Admin Hldg 1.11% $1,110
    WES Wesfarmers 0.89% $891
    SCG Scentre Grp 1.04% $1,035
    NCM Newcrest Min 1.35% $1,345
    CBA Commonwealth Bank of Aust 1.18% $1,184
    BKL Blackmores 0.75% $753
    BHP BHP 1.23% $1,228
    AGL AGL Energy 1.34% $1,336
    CSL CSL 1.16% $1,162
    Australian Shares 13.97% $13,966
    International Shares 11.66% $11,664
    Code Security name Weighting % Amount
    MGE9885AU Magellan High Conviction Fund 2.14% $2,140
    IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 3.17% $3,173
    IVE iShares MSCI EAFE ETF 2.11% $2,113
    IVV iShares S&P 500 ETF 1.86% $1,861
    MGL0004AU Ironbark Royal London Concentrated Global Share 2.38% $2,376
    International Shares 11.66% $11,664
    Australian Fixed Interest 43.77% $4,377,000
    Code Security name Weighting % Amount
    IOF0145AU Janus Henderson Tactical Income 20.22% $20,219
    AAA Betashares Australian High Interest Cash ETF 23.55% $23,546
    Australian Fixed Interest 43.77% $4,377,000
    International Fixed Interest 25.06% $25,058
    Code Security name Weighting % Amount
    ETL0016AU PIMCO Diversified Fixed Interest W 25.06% $25,058
    International Fixed Interest 25.06% $25,058
    Alternatives 2.60% $2,599
    Code Security name Weighting % Amount
    ECL0013AU Ellerston Australian Market Neutral 2.60% $2,599
    Alternatives 2.60% $2,599
    100.00%
    Total
    $99,992
    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 May 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 2.91% $291,000
      Code Security name Weighting % Amount
      CASH Cash 2.91% $2,910
      Cash 2.91% $291,000
      Australian Shares 24.20% $24,204
      Code Security name Weighting % Amount
      WPL Woodside Pet 1.10% $1,098
      MVP Medical Developments 1.26% $1,261
      MNY MONEY3 Corporation 1.25% $1,249
      LSF L1 Long Short Fund 2.87% $2,875
      LOV Lovisa Hldgs 1.50% $1,504
      LNK Link Admin Hldg 1.13% $1,127
      WES Wesfarmers 1.13% $1,132
      NCM Newcrest Min 1.08% $1,081
      TWE Treasury Wine 1.05% $1,047
      SEK Seek 1.17% $1,169
      CBA Commonwealth Bank of Aust 1.04% $1,036
      BSL BlueScope Steel 1.11% $1,112
      BKL Blackmores 0.74% $737
      BHP BHP 1.06% $1,064
      ANZ ANZ Banking Grp 1.10% $1,102
      AMC Amcor 1.21% $1,213
      AMA AMA Group Limited 1.32% $1,316
      AGL AGL Energy 1.10% $1,096
      CSL CSL 1.04% $1,042
      SCG Scentre Grp 0.94% $943
      Australian Shares 24.20% $24,204
      International Shares 22.25% $22,257
      Code Security name Weighting % Amount
      IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.19% $4,191
      IVE iShares MSCI EAFE ETF 4.43% $4,431
      IVV iShares S&P 500 ETF 4.04% $4,040
      MGE9885AU Magellan High Conviction Fund 4.56% $4,562
      MGL0004AU Ironbark Royal London Concentrated Global Share 5.03% $5,033
      International Shares 22.25% $22,257
      Australian Fixed Interest 29.37% $2,937,000
      Code Security name Weighting % Amount
      IOF0145AU Janus Henderson Tactical Income 15.15% $15,151
      AAA Betashares Australian High Interest Cash ETF 14.22% $14,224
      Australian Fixed Interest 29.37% $2,937,000
      International Fixed Interest 18.60% $18,598
      Code Security name Weighting % Amount
      ETL0016AU PIMCO Diversified Fixed Interest W 18.60% $18,598
      International Fixed Interest 18.60% $18,598
      Alternatives 2.67% $2,674
      Code Security name Weighting % Amount
      ECL0013AU Ellerston Australian Market Neutral 2.67% $2,674
      Alternatives 2.67% $2,674
      100.00%
      Total
      $100,018
      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 May 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 2.79% $279,000
        Code Security name Weighting % Amount
        CASH Cash 2.79% $2,790
        Cash 2.79% $279,000
        Australian Shares 33.13% $3,313,000
        Code Security name Weighting % Amount
        WPL Woodside Pet 1.19% $1,193
        MNY MONEY3 Corporation 1.39% $1,392
        NCM Newcrest Min 1.17% $1,175
        QBE QBE Insurance Grp 1.31% $1,315
        LSF L1 Long Short Fund 3.77% $3,767
        LOV Lovisa Hldgs 1.67% $1,675
        LNK Link Admin Hldg 1.23% $1,225
        WES Wesfarmers 1.23% $1,228
        RHC Ramsay Health Care 1.18% $1,182
        SCG Scentre Grp 1.02% $1,025
        SEK Seek 1.27% $1,272
        SGR The Star Entertain 1.05% $1,051
        TWE Treasury Wine 1.14% $1,138
        CSL CSL 1.13% $1,126
        CBA Commonwealth Bank of Aust 1.13% $1,126
        BXB Brambles 1.30% $1,298
        BSL BlueScope Steel 1.21% $1,210
        BKL Blackmores 0.80% $798
        BHP BHP 1.16% $1,158
        ANZ ANZ Banking Grp 1.20% $1,198
        AMC Amcor 1.32% $1,318
        AMA AMA Group Limited 1.47% $1,466
        AGL AGL Energy 1.19% $1,192
        MQG Macq Grp 1.20% $1,197
        MVP Medical Developments 1.40% $1,404
        Australian Shares 33.13% $3,313,000
        International Shares 32.31% $32,300
        Code Security name Weighting % Amount
        IVV iShares S&P 500 ETF 6.08% $6,077
        MGE9885AU Magellan High Conviction Fund 6.86% $6,857
        IVE iShares MSCI EAFE ETF 6.66% $6,655
        IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.15% $5,146
        MGL0004AU Ironbark Royal London Concentrated Global Share 7.56% $7,565
        International Shares 32.31% $32,300
        Australian Fixed Interest 17.83% $17,827
        Code Security name Weighting % Amount
        IOF0145AU Janus Henderson Tactical Income 8.51% $8,509
        AAA Betashares Australian High Interest Cash ETF 9.32% $9,318
        Australian Fixed Interest 17.83% $17,827
        International Fixed Interest 10.44% $10,445
        Code Security name Weighting % Amount
        ETL0016AU PIMCO Diversified Fixed Interest W 10.44% $10,445
        International Fixed Interest 10.44% $10,445
        Alternatives 3.50% $3,504
        Code Security name Weighting % Amount
        ECL0013AU Ellerston Australian Market Neutral 3.50% $3,504
        Alternatives 3.50% $3,504
        100.00%
        Total
        $99,994
        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 May 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 2.77% $277,000
          Code Security name Weighting % Amount
          CASH Cash 2.77% $2,770
          Cash 2.77% $277,000
          Australian Shares 39.99% $3,999,000
          Code Security name Weighting % Amount
          LSF L1 Long Short Fund 3.70% $3,705
          MNY MONEY3 Corporation 1.41% $1,409
          MQG Macq Grp 1.22% $1,219
          MVP Medical Developments 1.42% $1,421
          NAN Nanosonics 1.72% $1,723
          NCM Newcrest Min 1.20% $1,197
          QBE QBE Insurance Grp 1.34% $1,339
          LOV Lovisa Hldgs 1.70% $1,696
          LNK Link Admin Hldg 1.25% $1,249
          S32 South32 1.07% $1,071
          SCG Scentre Grp 1.04% $1,044
          SEK Seek 1.30% $1,295
          SGR The Star Entertain 1.07% $1,072
          TGR Tassal Grp 1.17% $1,173
          TLS Telstra Corp 1.30% $1,298
          TWE Treasury Wine 1.16% $1,159
          RHC Ramsay Health Care 1.20% $1,204
          WES Wesfarmers 1.25% $1,252
          WPL Woodside Pet 1.22% $1,216
          CBA Commonwealth Bank of Aust 1.15% $1,148
          AGL AGL Energy 1.21% $1,213
          AMA AMA Group Limited 1.48% $1,484
          AMC Amcor 1.34% $1,344
          ANZ ANZ Banking Grp 1.22% $1,220
          BHP BHP 1.18% $1,180
          BKL Blackmores 0.81% $815
          BSL BlueScope Steel 1.23% $1,232
          CSL CSL 1.15% $1,150
          JHG Janus Henderson 1.16% $1,164
          BXB Brambles 1.32% $1,322
          Australian Shares 39.99% $3,999,000
          International Shares 38.97% $38,969
          Code Security name Weighting % Amount
          IVV iShares S&P 500 ETF 7.60% $7,598
          IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.06% $5,063
          MGL0004AU Ironbark Royal London Concentrated Global Share 9.44% $9,442
          MGE9885AU Magellan High Conviction Fund 8.56% $8,559
          IVE iShares MSCI EAFE ETF 8.31% $8,308
          International Shares 38.97% $38,969
          Australian Fixed Interest 9.68% $9,685
          Code Security name Weighting % Amount
          IOF0145AU Janus Henderson Tactical Income 4.18% $4,184
          AAA Betashares Australian High Interest Cash ETF 5.50% $5,501
          Australian Fixed Interest 9.68% $9,685
          International Fixed Interest 5.14% $5,136
          Code Security name Weighting % Amount
          ETL0016AU PIMCO Diversified Fixed Interest W 5.14% $5,136
          International Fixed Interest 5.14% $5,136
          Alternatives 3.45% $3,446
          Code Security name Weighting % Amount
          ECL0013AU Ellerston Australian Market Neutral 3.45% $3,446
          Alternatives 3.45% $3,446
          100.00%
          Total
          $100,020
          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.