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
    Jonathan Ramsay View Profile
    Director
  • Jonathan Tolub
    Jonathan Tolub View Profile
    Director
  • Fil Andronaco
    Fil Andronaco View Profile
    Director
  • Paul Carrington
    Paul Carrington View Profile
    Director - Head of Adviser Solutions
  • Daniel Leach
    Daniel Leach View Profile
    Investment Analyst
Investment Models
  • Defensive Income
    Defensive Income

    This Model Portfolio suits investors who: are averse to large fluctuations in the value of their investments over shorter time periods. This portfolio is the most risk-averse of our four Model Portfolio categories, and aims to protect you against a fall in the real value of your portfolio over time (that is, after inflation) by investing largely in Defensive assets. This means the portfolio will seek to generate a moderate income. You are comfortable with a targeted rate of return of 1-2% above inflation. As a rough guide, this Model Portfolio will typically consist of 70% Defensive assets and 30% Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

  • Sustainable Income
    Sustainable Income

    This Model Portfolio suits investors who: seek a consistent and sustainable income from your portfolio. You also have a reasonably long-term time horizon and are not overly sensitive to changes in the value of your portfolio over shorter time periods. This portfolio takes more risk than the Defensive Income portfolio, seeking to deliver higher income and higher growth. You are comfortable with a targeted rate of return of 2-3% above inflation, and value consistent income over long-term growth of assets. As a rough guide this Model Portfolio will typically consist of 50% Defensive assets and 50% in Growth assets, including higher-yielding Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

  • Robust Growth
    Robust Growth

    This Model Portfolio suits investors who: are focused on growth within your portfolio, with a commensurate lower focus on stability of the short-term value of the portfolio. This portfolio has a higher orientation to Growth assets than our Sustainable Income model but less than our Maximum Growth model. You are comfortable with a targeted rate of return of 3-4% above inflation, because you value Growth over Income in your portfolio. As a rough guide, this Model Portfolio will typically consist of 30% Defensive assets and 70% Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

  • Maximum Growth
    Maximum Growth

    This Model Portfolio suits investors who: are focused on long-term growth and are comfortable with the commensurate risk and volatility that comes with this style of investing. This portfolio has the highest orientation to Growth assets of our four Model Portfolio categories. You are seeking a targeted rate of return of 4-6% above inflation, because you value growth and are a long-term investor. As a rough guide, this Model Portfolio will typically consist of 10% Defensive assets and 90% Growth assets. However, each investment manager will manage allocations depending on their assessment of conditions.

Investment Objective
The investment objective is to achieve a return of CPI +2% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
Typical Investor
Designed for investors who seek a return above inflation but with a low to medium tolerance for risk and are therefore willing to accept lower returns for a lower level of risk, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
Investment Strategy and Approach
InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.
Minimum Investment Amount
$25,000

Model Composition

Allocation as at February 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 26.35% $2,635,000
    Code Security name Weighting % Amount
    AAA Betashares Australian High Interest Cash ETF 26.35% $26,350
    Cash 26.35% $2,635,000
    Australian Shares 12.79% $12,792
    Code Security name Weighting % Amount
    NCM Newcrest Min 1.22% $1,223
    LSF L1 Long Short Fund 2.85% $2,854
    LNK Link Admin Hldg 0.87% $874
    TWE Treasury Wine 0.80% $795
    WPL Woodside Pet 1.01% $1,014
    CBA Commonwealth Bank of Aust 1.27% $1,265
    BKL Blackmores 0.89% $891
    BHP BHP 1.13% $1,125
    AGL AGL Energy 0.94% $944
    CSL CSL 1.81% $1,806
    Australian Shares 12.79% $12,792
    View all Australian Shares Show less Australian Shares
    International Shares 12.88% $12,879
    Code Security name Weighting % Amount
    IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 3.31% $3,307
    IVE iShares MSCI EAFE ETF 2.13% $2,132
    IVV iShares S&P 500 ETF 1.73% $1,733
    MGE9885AU Magellan High Conviction Fund 2.34% $2,340
    MGL0004AU Ironbark Royal London Concentrated Global Share 2.52% $2,518
    IJP iShares MSCI Japan ETF 0.85% $850
    International Shares 12.88% $12,879
    Australian Property 1.09% $1,093
    Code Security name Weighting % Amount
    SCG Scentre Grp 1.09% $1,093
    Australian Property 1.09% $1,093
    Australian Fixed Interest 19.67% $19,666
    Code Security name Weighting % Amount
    IOF0145AU Janus Henderson Tactical Income 19.67% $19,666
    Australian Fixed Interest 19.67% $19,666
    International Fixed Interest 23.62% $2,362,000
    Code Security name Weighting % Amount
    ETL0016AU PIMCO Diversified Fixed Interest W 23.62% $23,623
    International Fixed Interest 23.62% $2,362,000
    Alternatives 3.60% $3,599
    Code Security name Weighting % Amount
    ECL0013AU Ellerston Australian Market Neutral 3.60% $3,599
    Alternatives 3.60% $3,599
    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.

    Your monthly fee explained
    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 such as when you first buy into or sell out of a fund. This is a one-off cost.

    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.

    Invest
    Investment Objective
    The investment objective is to achieve a return of CPI +3% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
    Typical Investor
    Designed for investors who seek a modest return above inflation but with a medium tolerance for risk and are therefore willing to accept some volatility in their portfolio in order to achieve their long-term objective, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
    Investment Strategy and Approach
    InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.
    Minimum Investment Amount
    $25,000

    Model Composition

    Allocation as at February 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 17.02% $1,702,000
      Code Security name Weighting % Amount
      AAA Betashares Australian High Interest Cash ETF 17.02% $17,020
      Cash 17.02% $1,702,000
      Australian Shares 22.69% $22,680
      Code Security name Weighting % Amount
      SGR The Star Entertain 0.96% $957
      SEK Seek 1.16% $1,162
      NCM Newcrest Min 1.14% $1,135
      MVP Medical Developments 2.05% $2,054
      MNY MONEY3 Corporation 1.35% $1,347
      LSF L1 Long Short Fund 3.00% $3,002
      LOV Lovisa Hldgs 1.15% $1,155
      LNK Link Admin Hldg 0.81% $812
      TWE Treasury Wine 0.74% $738
      WPL Woodside Pet 0.94% $942
      CSL CSL 1.69% $1,685
      CBA Commonwealth Bank of Aust 1.17% $1,170
      BSL BlueScope Steel 1.07% $1,075
      BKL Blackmores 0.85% $847
      AGL AGL Energy 0.88% $877
      BHP BHP 1.04% $1,044
      ANZ ANZ Banking Grp 0.96% $956
      AMC Amcor 0.95% $946
      AMA AMA Group Limited 0.78% $775
      Australian Shares 22.69% $22,680
      View all Australian Shares Show less Australian Shares
      International Shares 23.36% $2,336,000
      Code Security name Weighting % Amount
      MGE9885AU Magellan High Conviction Fund 4.68% $4,677
      IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 4.28% $4,280
      IJP iShares MSCI Japan ETF 1.69% $1,694
      IVE iShares MSCI EAFE ETF 4.25% $4,248
      IVV iShares S&P 500 ETF 3.43% $3,430
      MGL0004AU Ironbark Royal London Concentrated Global Share 5.03% $5,034
      International Shares 23.36% $2,336,000
      Australian Property 1.02% $1,015
      Code Security name Weighting % Amount
      SCG Scentre Grp 1.02% $1,015
      Australian Property 1.02% $1,015
      Australian Fixed Interest 14.59% $14,591
      Code Security name Weighting % Amount
      IOF0145AU Janus Henderson Tactical Income 14.59% $14,591
      Australian Fixed Interest 14.59% $14,591
      International Fixed Interest 17.53% $17,527
      Code Security name Weighting % Amount
      ETL0016AU PIMCO Diversified Fixed Interest W 17.53% $17,527
      International Fixed Interest 17.53% $17,527
      Alternatives 3.79% $3,786
      Code Security name Weighting % Amount
      ECL0013AU Ellerston Australian Market Neutral 3.79% $3,786
      Alternatives 3.79% $3,786
      100.00%
      Total
      $99,983
      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.

      Your monthly fee explained
      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 such as when you first buy into or sell out of a fund. This is a one-off cost.

      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.

      Invest
      Investment Objective
      The investment objective is to achieve a return of CPI +4% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
      Typical Investor
      Designed for investors who seek a high return above inflation but with a medium to high tolerance for risk and are therefore willing to accept a medium to high degree of volatility in their portfolio in order to achieve their long-term objective, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
      Investment Strategy and Approach
      InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.
      Minimum Investment Amount
      $25,000

      Model Composition

      Allocation as at February 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 11.89% $1,189,000
        Code Security name Weighting % Amount
        AAA Betashares Australian High Interest Cash ETF 11.89% $11,890
        Cash 11.89% $1,189,000
        Australian Shares 32.09% $32,074
        Code Security name Weighting % Amount
        SGR The Star Entertain 1.07% $1,066
        SEK Seek 1.29% $1,293
        RHC Ramsay Health Care 1.39% $1,386
        NCM Newcrest Min 1.26% $1,265
        MVP Medical Developments 2.29% $2,285
        MQG Macq Grp 1.33% $1,329
        MNY MONEY3 Corporation 1.50% $1,499
        LSF L1 Long Short Fund 3.36% $3,358
        LOV Lovisa Hldgs 1.29% $1,286
        LNK Link Admin Hldg 0.90% $904
        LLC Lendlease Grp 1.56% $1,562
        TWE Treasury Wine 0.82% $822
        WPL Woodside Pet 1.05% $1,048
        AGL AGL Energy 0.98% $976
        AMA AMA Group Limited 0.86% $863
        AMC Amcor 1.05% $1,054
        ANZ ANZ Banking Grp 1.07% $1,066
        CSL CSL 1.85% $1,849
        CGF Challenger 1.40% $1,403
        CBA Commonwealth Bank of Aust 1.31% $1,309
        BXB Brambles 1.15% $1,147
        BHP BHP 1.16% $1,161
        BKL Blackmores 0.95% $947
        BSL BlueScope Steel 1.20% $1,196
        Australian Shares 32.09% $32,074
        View all Australian Shares Show less Australian Shares
        International Shares 33.24% $3,324,000
        Code Security name Weighting % Amount
        IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.19% $5,188
        MGL0004AU Ironbark Royal London Concentrated Global Share 7.39% $7,390
        MGE9885AU Magellan High Conviction Fund 6.87% $6,867
        IVV iShares S&P 500 ETF 5.05% $5,049
        IVE iShares MSCI EAFE ETF 6.25% $6,248
        IJP iShares MSCI Japan ETF 2.49% $2,486
        International Shares 33.24% $3,324,000
        Australian Property 1.13% $1,130
        Code Security name Weighting % Amount
        SCG Scentre Grp 1.13% $1,130
        Australian Property 1.13% $1,130
        Australian Fixed Interest 7.91% $7,906
        Code Security name Weighting % Amount
        IOF0145AU Janus Henderson Tactical Income 7.91% $7,906
        Australian Fixed Interest 7.91% $7,906
        International Fixed Interest 9.50% $9,496
        Code Security name Weighting % Amount
        ETL0016AU PIMCO Diversified Fixed Interest W 9.50% $9,496
        International Fixed Interest 9.50% $9,496
        Alternatives 4.24% $4,235
        Code Security name Weighting % Amount
        ECL0013AU Ellerston Australian Market Neutral 4.24% $4,235
        Alternatives 4.24% $4,235
        100.00%
        Total
        $99,959
        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.

        Your monthly fee explained
        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 such as when you first buy into or sell out of a fund. This is a one-off cost.

        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.

        Invest
        Investment Objective
        The investment objective is to achieve a return of CPI +5% per annum over the long-term by investing in a diverse mix of asset classes covering Australian equities, international equities, property, infrastructure, alternatives, fixed interest and cash. InvestSense employs an objective based approach which aims to determine the appropriate mix of asset classes that is likely to achieve the stated objective while taking on an appropriate level of risk. As investment markets fluctuate and therefore expected returns change, InvestSense alters the asset allocation accordingly. There may be times however where the portfolio’s CPI+ objective may not be achieved based on prevailing market valuations or realised risks. Therefore, the CPI+ objective must be assessed over a full market cycle.
        Typical Investor
        Designed for investors who seek a high return above inflation but with a high tolerance for risk and are therefore willing to accept a high degree of volatility in their portfolio in order to achieve their long-term objective, seek a portfolio diversified across a range of different asset classes and want a portfolio where the asset allocation is actively managed based on changes in market valuations.
        Investment Strategy and Approach
        InvestSense believes that prevailing market valuations tend to be indicative of final outcomes over long-time periods. By undertaking a forward looking view of expected returns and implied risks, InvestSense aims to understand if the market is sufficiently rewarding investors for the risks they are undertaking across different asset class. Our investment approach combines elements of fundamental and quantitative analysis, top-down and bottom-up views. We don’t believe that any single investment style has a permanent edge in delivering superior returns across all asset classes, time horizons and market conditions. Rather, our methodology forces us to think about which tool, or combination of, is more likely to be effective under various scenarios and the current environment.
        Minimum Investment Amount
        $25,000

        Model Composition

        Allocation as at February 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 8.14% $814,000
          Code Security name Weighting % Amount
          AAA Betashares Australian High Interest Cash ETF 8.14% $8,140
          Cash 8.14% $814,000
          Australian Shares 38.88% $38,902
          Code Security name Weighting % Amount
          LNK Link Admin Hldg 0.91% $911
          LOV Lovisa Hldgs 1.30% $1,295
          LSF L1 Long Short Fund 3.51% $3,512
          MNY MONEY3 Corporation 1.51% $1,510
          MQG Macq Grp 1.34% $1,339
          MVP Medical Developments 2.30% $2,303
          NAN Nanosonics 1.83% $1,829
          NCM Newcrest Min 1.27% $1,273
          QBE QBE Insurance Grp 1.26% $1,260
          RHC Ramsay Health Care 1.40% $1,398
          S32 South32 0.88% $879
          SEK Seek 1.30% $1,304
          SGR The Star Entertain 1.07% $1,073
          TGR Tassal Grp 1.09% $1,086
          LLC Lendlease Grp 1.57% $1,574
          TWE Treasury Wine 0.83% $828
          JHG Janus Henderson 1.43% $1,427
          CBA Commonwealth Bank of Aust 1.31% $1,314
          AGL AGL Energy 0.98% $984
          AMA AMA Group Limited 0.87% $869
          AMC Amcor 1.06% $1,062
          ANZ ANZ Banking Grp 1.07% $1,074
          BHP BHP 1.17% $1,171
          BKL Blackmores 0.95% $951
          BSL BlueScope Steel 1.20% $1,204
          BXB Brambles 1.15% $1,155
          WPL Woodside Pet 1.06% $1,056
          CSL CSL 1.85% $1,849
          CGF Challenger 1.41% $1,414
          Australian Shares 38.88% $38,902
          View all Australian Shares Show less Australian Shares
          International Shares 39.33% $3,933,000
          Code Security name Weighting % Amount
          IVE iShares MSCI EAFE ETF 7.63% $7,627
          MGL0004AU Ironbark Royal London Concentrated Global Share 9.02% $9,022
          MGE9885AU Magellan High Conviction Fund 8.38% $8,383
          IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF 5.09% $5,089
          IJP iShares MSCI Japan ETF 3.04% $3,042
          IVV iShares S&P 500 ETF 6.17% $6,172
          International Shares 39.33% $3,933,000
          Australian Property 1.14% $1,138
          Code Security name Weighting % Amount
          SCG Scentre Grp 1.14% $1,138
          Australian Property 1.14% $1,138
          Australian Fixed Interest 3.67% $3,671
          Code Security name Weighting % Amount
          IOF0145AU Janus Henderson Tactical Income 3.67% $3,671
          Australian Fixed Interest 3.67% $3,671
          International Fixed Interest 4.41% $4,410
          Code Security name Weighting % Amount
          ETL0016AU PIMCO Diversified Fixed Interest W 4.41% $4,410
          International Fixed Interest 4.41% $4,410
          Alternatives 4.43% $4,429
          Code Security name Weighting % Amount
          ECL0013AU Ellerston Australian Market Neutral 4.43% $4,429
          Alternatives 4.43% $4,429
          100.00%
          Total
          $100,025
          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.

          Your monthly fee explained
          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 such as when you first buy into or sell out of a fund. This is a one-off cost.

          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.

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