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 April 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 2.96% $296,000
    Code Security name Weighting % Amount
    CASH Cash 2.96% $2,960
    Cash 2.96% $296,000
    Australian Shares 13.97% $13,967
    Code Security name Weighting % Amount
    WPL Woodside Pet 1.18% $1,175
    LSF L1 Long Short Fund 2.82% $2,820
    LNK Link Admin Hldg 1.07% $1,072
    WES Wesfarmers 0.84% $841
    SCG Scentre Grp 1.10% $1,100
    NCM Newcrest Min 1.32% $1,319
    CBA Commonwealth Bank of Aust 1.14% $1,137
    BKL Blackmores 0.75% $751
    BHP BHP 1.32% $1,324
    AGL AGL Energy 1.27% $1,274
    CSL CSL 1.16% $1,155
    Australian Shares 13.97% $13,967
    International Shares 11.68% $11,677
    Code Security name Weighting % Amount
    MGE9885AU Magellan High Conviction Fund 2.11% $2,108
    IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 3.22% $3,218
    IVE iShares MSCI EAFE ETF 2.12% $2,123
    IVV iShares S&P 500 ETF 1.85% $1,846
    MGL0004AU Ironbark Royal London Concentrated Global Share 2.38% $2,383
    International Shares 11.68% $11,677
    Australian Fixed Interest 43.85% $4,385,000
    Code Security name Weighting % Amount
    IOF0145AU Janus Henderson Tactical Income 20.22% $20,218
    AAA Betashares Australian High Interest Cash ETF 23.63% $23,632
    Australian Fixed Interest 43.85% $4,385,000
    International Fixed Interest 24.93% $24,934
    Code Security name Weighting % Amount
    ETL0016AU PIMCO Diversified Fixed Interest W 24.93% $24,934
    International Fixed Interest 24.93% $24,934
    Alternatives 2.61% $2,615
    Code Security name Weighting % Amount
    ECL0013AU Ellerston Australian Market Neutral 2.61% $2,615
    Alternatives 2.61% $2,615
    100.00%
    Total
    $100,003
    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 April 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 2.92% $292,000
      Code Security name Weighting % Amount
      CASH Cash 2.92% $2,920
      Cash 2.92% $292,000
      Australian Shares 24.22% $24,242
      Code Security name Weighting % Amount
      WPL Woodside Pet 1.10% $1,105
      MVP Medical Developments 1.32% $1,322
      MNY MONEY3 Corporation 1.27% $1,272
      LSF L1 Long Short Fund 2.94% $2,943
      LOV Lovisa Hldgs 1.57% $1,573
      LNK Link Admin Hldg 1.09% $1,088
      WES Wesfarmers 1.07% $1,068
      NCM Newcrest Min 1.06% $1,060
      TWE Treasury Wine 1.10% $1,101
      SEK Seek 1.03% $1,030
      CBA Commonwealth Bank of Aust 0.99% $995
      BSL BlueScope Steel 1.14% $1,143
      BKL Blackmores 0.73% $735
      BHP BHP 1.15% $1,147
      ANZ ANZ Banking Grp 1.05% $1,055
      AMC Amcor 1.19% $1,186
      AMA AMA Group Limited 1.34% $1,337
      AGL AGL Energy 1.04% $1,045
      CSL CSL 1.04% $1,036
      SCG Scentre Grp 1.00% $1,001
      Australian Shares 24.22% $24,242
      International Shares 22.25% $22,244
      Code Security name Weighting % Amount
      IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.25% $4,250
      IVE iShares MSCI EAFE ETF 4.45% $4,449
      IVV iShares S&P 500 ETF 4.01% $4,006
      MGE9885AU Magellan High Conviction Fund 4.49% $4,492
      MGL0004AU Ironbark Royal London Concentrated Global Share 5.05% $5,047
      International Shares 22.25% $22,244
      Australian Fixed Interest 29.42% $2,942,000
      Code Security name Weighting % Amount
      IOF0145AU Janus Henderson Tactical Income 15.15% $15,148
      AAA Betashares Australian High Interest Cash ETF 14.27% $14,274
      Australian Fixed Interest 29.42% $2,942,000
      International Fixed Interest 18.50% $18,502
      Code Security name Weighting % Amount
      ETL0016AU PIMCO Diversified Fixed Interest W 18.50% $18,502
      International Fixed Interest 18.50% $18,502
      Alternatives 2.69% $2,689
      Code Security name Weighting % Amount
      ECL0013AU Ellerston Australian Market Neutral 2.69% $2,689
      Alternatives 2.69% $2,689
      100.00%
      Total
      $100,019
      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 April 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 33.25% $3,325,000
        Code Security name Weighting % Amount
        WPL Woodside Pet 1.20% $1,198
        MNY MONEY3 Corporation 1.41% $1,415
        NCM Newcrest Min 1.15% $1,150
        QBE QBE Insurance Grp 1.33% $1,325
        LSF L1 Long Short Fund 3.85% $3,852
        LOV Lovisa Hldgs 1.75% $1,750
        LNK Link Admin Hldg 1.18% $1,182
        WES Wesfarmers 1.16% $1,158
        RHC Ramsay Health Care 1.19% $1,187
        SCG Scentre Grp 1.09% $1,087
        SEK Seek 1.12% $1,120
        SGR The Star Entertain 1.07% $1,072
        TWE Treasury Wine 1.20% $1,196
        CSL CSL 1.12% $1,118
        CBA Commonwealth Bank of Aust 1.08% $1,080
        BXB Brambles 1.27% $1,267
        BSL BlueScope Steel 1.24% $1,242
        BKL Blackmores 0.79% $795
        BHP BHP 1.25% $1,247
        ANZ ANZ Banking Grp 1.15% $1,145
        AMC Amcor 1.29% $1,287
        AMA AMA Group Limited 1.49% $1,488
        AGL AGL Energy 1.13% $1,135
        MQG Macq Grp 1.27% $1,274
        MVP Medical Developments 1.47% $1,470
        Australian Shares 33.25% $3,325,000
        International Shares 32.22% $32,225
        Code Security name Weighting % Amount
        IVV iShares S&P 500 ETF 6.02% $6,019
        MGE9885AU Magellan High Conviction Fund 6.74% $6,743
        IVE iShares MSCI EAFE ETF 6.67% $6,674
        IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.21% $5,212
        MGL0004AU Ironbark Royal London Concentrated Global Share 7.58% $7,577
        International Shares 32.22% $32,225
        Australian Fixed Interest 17.84% $17,836
        Code Security name Weighting % Amount
        IOF0145AU Janus Henderson Tactical Income 8.50% $8,497
        AAA Betashares Australian High Interest Cash ETF 9.34% $9,339
        Australian Fixed Interest 17.84% $17,836
        International Fixed Interest 10.38% $10,378
        Code Security name Weighting % Amount
        ETL0016AU PIMCO Diversified Fixed Interest W 10.38% $10,378
        International Fixed Interest 10.38% $10,378
        Alternatives 3.52% $3,520
        Code Security name Weighting % Amount
        ECL0013AU Ellerston Australian Market Neutral 3.52% $3,520
        Alternatives 3.52% $3,520
        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.

        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 April 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 2.75% $275,000
          Code Security name Weighting % Amount
          CASH Cash 2.75% $2,750
          Cash 2.75% $275,000
          Australian Shares 40.26% $4,026,000
          Code Security name Weighting % Amount
          LSF L1 Long Short Fund 3.78% $3,780
          MNY MONEY3 Corporation 1.43% $1,429
          MQG Macq Grp 1.29% $1,294
          MVP Medical Developments 1.48% $1,485
          NAN Nanosonics 1.71% $1,715
          NCM Newcrest Min 1.17% $1,170
          QBE QBE Insurance Grp 1.35% $1,347
          LOV Lovisa Hldgs 1.77% $1,768
          LNK Link Admin Hldg 1.20% $1,201
          S32 South32 1.14% $1,139
          SCG Scentre Grp 1.11% $1,106
          SEK Seek 1.14% $1,138
          SGR The Star Entertain 1.09% $1,091
          TGR Tassal Grp 1.24% $1,237
          TLS Telstra Corp 1.27% $1,270
          TWE Treasury Wine 1.22% $1,216
          RHC Ramsay Health Care 1.21% $1,207
          WES Wesfarmers 1.18% $1,178
          WPL Woodside Pet 1.22% $1,219
          CBA Commonwealth Bank of Aust 1.10% $1,099
          AGL AGL Energy 1.15% $1,153
          AMA AMA Group Limited 1.50% $1,503
          AMC Amcor 1.31% $1,310
          ANZ ANZ Banking Grp 1.16% $1,164
          BHP BHP 1.27% $1,267
          BKL Blackmores 0.81% $809
          BSL BlueScope Steel 1.26% $1,262
          CSL CSL 1.14% $1,139
          JHG Janus Henderson 1.27% $1,275
          BXB Brambles 1.29% $1,288
          Australian Shares 40.26% $4,026,000
          International Shares 38.78% $38,775
          Code Security name Weighting % Amount
          IVV iShares S&P 500 ETF 7.51% $7,509
          IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.12% $5,117
          MGL0004AU Ironbark Royal London Concentrated Global Share 9.44% $9,437
          MGE9885AU Magellan High Conviction Fund 8.40% $8,399
          IVE iShares MSCI EAFE ETF 8.31% $8,314
          International Shares 38.78% $38,775
          Australian Fixed Interest 9.67% $9,671
          Code Security name Weighting % Amount
          IOF0145AU Janus Henderson Tactical Income 4.17% $4,169
          AAA Betashares Australian High Interest Cash ETF 5.50% $5,502
          Australian Fixed Interest 9.67% $9,671
          International Fixed Interest 5.09% $5,092
          Code Security name Weighting % Amount
          ETL0016AU PIMCO Diversified Fixed Interest W 5.09% $5,092
          International Fixed Interest 5.09% $5,092
          Alternatives 3.45% $3,454
          Code Security name Weighting % Amount
          ECL0013AU Ellerston Australian Market Neutral 3.45% $3,454
          Alternatives 3.45% $3,454
          100.00%
          Total
          $100,001
          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.