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 January 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 14.01% $14,003
    Code Security name Weighting % Amount
    WPL Woodside Pet 1.12% $1,124
    LSF L1 Long Short Fund 2.88% $2,876
    LNK Link Admin Hldg 1.04% $1,043
    WES Wesfarmers 0.81% $806
    SCG Scentre Grp 1.11% $1,106
    NCM Newcrest Min 1.22% $1,224
    CBA Commonwealth Bank of Aust 1.16% $1,157
    BKL Blackmores 1.10% $1,102
    BHP BHP 1.11% $1,106
    AGL AGL Energy 1.27% $1,268
    CSL CSL 1.19% $1,190
    Australian Shares 14.01% $14,003
    International Shares 10.92% $10,916
    Code Security name Weighting % Amount
    MGE9885AU Magellan High Conviction Fund 1.97% $1,965
    IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 3.01% $3,010
    IVE iShares MSCI EAFE ETF 1.99% $1,993
    IVV iShares S&P 500 ETF 1.71% $1,710
    MGL0004AU Ironbark Royal London Concentrated Global Share 2.24% $2,238
    International Shares 10.92% $10,916
    Australian Fixed Interest 44.23% $4,423,000
    Code Security name Weighting % Amount
    IOF0145AU Janus Henderson Tactical Income 20.28% $20,278
    AAA Betashares Australian High Interest Cash ETF 23.95% $23,948
    Australian Fixed Interest 44.23% $4,423,000
    International Fixed Interest 25.06% $25,062
    Code Security name Weighting % Amount
    ETL0016AU PIMCO Diversified Fixed Interest W 25.06% $25,062
    International Fixed Interest 25.06% $25,062
    Alternatives 2.80% $2,797
    Code Security name Weighting % Amount
    ECL0013AU Ellerston Australian Market Neutral 2.80% $2,797
    Alternatives 2.80% $2,797
    100.00%
    Total
    $99,984
    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 January 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 3.02% $302,000
      Code Security name Weighting % Amount
      CASH Cash 3.02% $3,020
      Cash 3.02% $302,000
      Australian Shares 23.46% $23,466
      Code Security name Weighting % Amount
      WPL Woodside Pet 1.08% $1,081
      MVP Medical Developments 1.01% $1,014
      MNY MONEY3 Corporation 1.15% $1,153
      LSF L1 Long Short Fund 3.07% $3,069
      LOV Lovisa Hldgs 1.16% $1,162
      LNK Link Admin Hldg 1.08% $1,083
      WES Wesfarmers 1.05% $1,047
      NCM Newcrest Min 1.01% $1,006
      TWE Treasury Wine 1.12% $1,117
      SEK Seek 1.06% $1,061
      CBA Commonwealth Bank of Aust 1.03% $1,035
      BSL BlueScope Steel 1.09% $1,086
      BKL Blackmores 1.10% $1,102
      BHP BHP 0.98% $980
      ANZ ANZ Banking Grp 1.08% $1,079
      AMC Amcor 1.07% $1,068
      AMA AMA Group Limited 1.14% $1,140
      AGL AGL Energy 1.06% $1,063
      CSL CSL 1.09% $1,091
      SCG Scentre Grp 1.03% $1,029
      Australian Shares 23.46% $23,466
      International Shares 21.25% $21,256
      Code Security name Weighting % Amount
      IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.06% $4,064
      IVE iShares MSCI EAFE ETF 4.27% $4,270
      IVV iShares S&P 500 ETF 3.79% $3,793
      MGE9885AU Magellan High Conviction Fund 4.28% $4,282
      MGL0004AU Ironbark Royal London Concentrated Global Share 4.85% $4,846
      International Shares 21.25% $21,256
      Australian Fixed Interest 30.32% $3,032,000
      Code Security name Weighting % Amount
      IOF0145AU Janus Henderson Tactical Income 15.53% $15,532
      AAA Betashares Australian High Interest Cash ETF 14.79% $14,787
      Australian Fixed Interest 30.32% $3,032,000
      International Fixed Interest 19.01% $19,013
      Code Security name Weighting % Amount
      ETL0016AU PIMCO Diversified Fixed Interest W 19.01% $19,013
      International Fixed Interest 19.01% $19,013
      Alternatives 2.94% $2,941
      Code Security name Weighting % Amount
      ECL0013AU Ellerston Australian Market Neutral 2.94% $2,941
      Alternatives 2.94% $2,941
      100.00%
      Total
      $100,015
      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 January 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 2.94% $294,000
        Code Security name Weighting % Amount
        CASH Cash 2.94% $2,940
        Cash 2.94% $294,000
        Australian Shares 32.48% $3,248,000
        Code Security name Weighting % Amount
        WPL Woodside Pet 1.19% $1,189
        MNY MONEY3 Corporation 1.30% $1,301
        NCM Newcrest Min 1.11% $1,106
        QBE QBE Insurance Grp 1.19% $1,187
        LSF L1 Long Short Fund 4.07% $4,074
        LOV Lovisa Hldgs 1.31% $1,310
        LNK Link Admin Hldg 1.19% $1,193
        WES Wesfarmers 1.15% $1,151
        RHC Ramsay Health Care 1.14% $1,137
        SCG Scentre Grp 1.13% $1,133
        SEK Seek 1.17% $1,169
        SGR The Star Entertain 1.13% $1,129
        TWE Treasury Wine 1.23% $1,230
        CSL CSL 1.19% $1,194
        CBA Commonwealth Bank of Aust 1.14% $1,139
        BXB Brambles 1.19% $1,189
        BSL BlueScope Steel 1.20% $1,197
        BKL Blackmores 1.21% $1,209
        BHP BHP 1.08% $1,080
        ANZ ANZ Banking Grp 1.19% $1,188
        AMC Amcor 1.18% $1,176
        AMA AMA Group Limited 1.29% $1,286
        AGL AGL Energy 1.17% $1,171
        MQG Macq Grp 1.19% $1,191
        MVP Medical Developments 1.14% $1,144
        Australian Shares 32.48% $3,248,000
        International Shares 31.23% $31,224
        Code Security name Weighting % Amount
        IVV iShares S&P 500 ETF 5.78% $5,778
        MGE9885AU Magellan High Conviction Fund 6.52% $6,519
        IVE iShares MSCI EAFE ETF 6.50% $6,495
        IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.05% $5,054
        MGL0004AU Ironbark Royal London Concentrated Global Share 7.38% $7,378
        International Shares 31.23% $31,224
        Australian Fixed Interest 18.64% $18,645
        Code Security name Weighting % Amount
        IOF0145AU Janus Henderson Tactical Income 8.83% $8,834
        AAA Betashares Australian High Interest Cash ETF 9.81% $9,811
        Australian Fixed Interest 18.64% $18,645
        International Fixed Interest 10.81% $10,814
        Code Security name Weighting % Amount
        ETL0016AU PIMCO Diversified Fixed Interest W 10.81% $10,814
        International Fixed Interest 10.81% $10,814
        Alternatives 3.90% $3,903
        Code Security name Weighting % Amount
        ECL0013AU Ellerston Australian Market Neutral 3.90% $3,903
        Alternatives 3.90% $3,903
        100.00%
        Total
        $99,998
        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 January 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 2.92% $292,000
          Code Security name Weighting % Amount
          CASH Cash 2.92% $2,920
          Cash 2.92% $292,000
          Australian Shares 39.39% $3,939,000
          Code Security name Weighting % Amount
          LSF L1 Long Short Fund 4.06% $4,058
          MNY MONEY3 Corporation 1.33% $1,334
          MQG Macq Grp 1.23% $1,229
          MVP Medical Developments 1.17% $1,173
          NAN Nanosonics 1.30% $1,301
          NCM Newcrest Min 1.14% $1,142
          QBE QBE Insurance Grp 1.22% $1,224
          LOV Lovisa Hldgs 1.34% $1,344
          LNK Link Admin Hldg 1.23% $1,231
          S32 South32 1.15% $1,148
          SCG Scentre Grp 1.17% $1,170
          SEK Seek 1.21% $1,206
          SGR The Star Entertain 1.17% $1,166
          TGR Tassal Grp 1.18% $1,184
          TLS Telstra Corp 1.20% $1,196
          TWE Treasury Wine 1.27% $1,269
          RHC Ramsay Health Care 1.17% $1,174
          WES Wesfarmers 1.19% $1,188
          WPL Woodside Pet 1.23% $1,228
          CBA Commonwealth Bank of Aust 1.18% $1,177
          AGL AGL Energy 1.21% $1,207
          AMA AMA Group Limited 1.32% $1,318
          AMC Amcor 1.21% $1,215
          ANZ ANZ Banking Grp 1.23% $1,226
          BHP BHP 1.11% $1,115
          BKL Blackmores 1.25% $1,250
          BSL BlueScope Steel 1.23% $1,235
          CSL CSL 1.24% $1,235
          JHG Janus Henderson 1.22% $1,222
          BXB Brambles 1.23% $1,228
          Australian Shares 39.39% $3,939,000
          International Shares 38.14% $38,137
          Code Security name Weighting % Amount
          IVV iShares S&P 500 ETF 7.32% $7,318
          IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.04% $5,036
          MGL0004AU Ironbark Royal London Concentrated Global Share 9.33% $9,328
          MGE9885AU Magellan High Conviction Fund 8.24% $8,242
          IVE iShares MSCI EAFE ETF 8.21% $8,213
          International Shares 38.14% $38,137
          Australian Fixed Interest 10.27% $10,267
          Code Security name Weighting % Amount
          IOF0145AU Janus Henderson Tactical Income 4.40% $4,400
          AAA Betashares Australian High Interest Cash ETF 5.87% $5,867
          Australian Fixed Interest 10.27% $10,267
          International Fixed Interest 5.39% $5,386
          Code Security name Weighting % Amount
          ETL0016AU PIMCO Diversified Fixed Interest W 5.39% $5,386
          International Fixed Interest 5.39% $5,386
          Alternatives 3.89% $3,888
          Code Security name Weighting % Amount
          ECL0013AU Ellerston Australian Market Neutral 3.89% $3,888
          Alternatives 3.89% $3,888
          100.00%
          Total
          $99,989
          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.