- When
- -
- Where
Online webinar
- Description
In a world where information is free but investing remains difficult, a little understanding can go a long way. In this webinar, we'll explain why everyone ignores a very simple bit of maths and why that is the biggest wealth killer. We'll present a simple framework for working out how much your investments will grow over the long term, and we'll outline an investment plan for the next 10 years and beyond.
Profile Video
Staff / Employees
5
Portfolio Manager Average Experience
22 years
Upcoming Events
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our team
-
Jonathan Ramsay
Director -
Jonathan Tolub
Director
-
Fil Andronaco
Director
-
Paul Carrington
Director - Head of Adviser Solutions
-
Daniel Leach
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 February 2019
Fees & Charges
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 | 13.84% | $13,836 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| WPL | Woodside Pet | 1.22% | $1,221 |
| LSF | L1 Long Short Fund | 2.77% | $2,770 |
| LNK | Link Admin Hldg | 1.01% | $1,013 |
| WES | Wesfarmers | 0.82% | $817 |
| SCG | Scentre Grp | 1.13% | $1,127 |
| NCM | Newcrest Min | 1.33% | $1,331 |
| CBA | Commonwealth Bank of Aust | 1.14% | $1,136 |
| BKL | Blackmores | 0.78% | $782 |
| BHP | BHP | 1.25% | $1,247 |
| AGL | AGL Energy | 1.30% | $1,296 |
| CSL | CSL | 1.09% | $1,094 |
| Australian Shares | 13.84% | $13,836 | |
| International Shares | 11.32% | $11,324 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| MGE9885AU | Magellan High Conviction Fund | 2.04% | $2,045 |
| IFRA | VanEck Vectors FTSE Global Infrastructure (Hedged) ETF | 3.11% | $3,108 |
| IVE | iShares MSCI EAFE ETF | 2.06% | $2,058 |
| IVV | iShares S&P 500 ETF | 1.79% | $1,790 |
| MGL0004AU | Ironbark Royal London Concentrated Global Share | 2.32% | $2,323 |
| International Shares | 11.32% | $11,324 | |
| Australian Fixed Interest | 44.00% | $4,400,000 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| IOF0145AU | Janus Henderson Tactical Income | 20.21% | $20,210 |
| AAA | Betashares Australian High Interest Cash ETF | 23.79% | $23,790 |
| Australian Fixed Interest | 44.00% | $4,400,000 | |
| International Fixed Interest | 25.11% | $25,112 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ETL0016AU | PIMCO Diversified Fixed Interest W | 25.11% | $25,112 |
| International Fixed Interest | 25.11% | $25,112 | |
| Alternatives | 2.75% | $2,752 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ECL0013AU | Ellerston Australian Market Neutral | 2.75% | $2,752 |
| Alternatives | 2.75% | $2,752 | |
100.00%
Total
$100,004
Fees & Charges
Enter an investment amount to get an estimate on your fees.
Management fee
0.75%
$0
+
Indirect cost
0.43%
$0
=
Total Per Annum
1.18%
$0
You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.
If you would like to see our fees and charges in more detail, please visit our Fees section.
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 February 2019
Fees & Charges
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 | 2.95% | $295,000 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| CASH | Cash | 2.95% | $2,950 |
| Cash | 2.95% | $295,000 | |
| Australian Shares | 23.22% | $23,208 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| WPL | Woodside Pet | 1.17% | $1,168 |
| MVP | Medical Developments | 0.98% | $979 |
| MNY | MONEY3 Corporation | 1.26% | $1,258 |
| LSF | L1 Long Short Fund | 2.94% | $2,942 |
| LOV | Lovisa Hldgs | 1.23% | $1,235 |
| LNK | Link Admin Hldg | 1.05% | $1,047 |
| WES | Wesfarmers | 1.06% | $1,057 |
| NCM | Newcrest Min | 1.09% | $1,089 |
| TWE | Treasury Wine | 1.07% | $1,067 |
| SEK | Seek | 1.02% | $1,016 |
| CBA | Commonwealth Bank of Aust | 1.01% | $1,011 |
| BSL | BlueScope Steel | 1.04% | $1,045 |
| BKL | Blackmores | 0.78% | $779 |
| BHP | BHP | 1.10% | $1,099 |
| ANZ | ANZ Banking Grp | 1.13% | $1,125 |
| AMC | Amcor | 1.15% | $1,152 |
| AMA | AMA Group Limited | 1.02% | $1,017 |
| AGL | AGL Energy | 1.08% | $1,082 |
| CSL | CSL | 1.00% | $998 |
| SCG | Scentre Grp | 1.04% | $1,044 |
| Australian Shares | 23.22% | $23,208 | |
| International Shares | 21.96% | $21,957 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| IFRA | VanEck Vectors FTSE Global Infrastructure (Hedged) ETF | 4.18% | $4,177 |
| IVE | iShares MSCI EAFE ETF | 4.39% | $4,388 |
| IVV | iShares S&P 500 ETF | 3.95% | $3,952 |
| MGE9885AU | Magellan High Conviction Fund | 4.43% | $4,434 |
| MGL0004AU | Ironbark Royal London Concentrated Global Share | 5.01% | $5,006 |
| International Shares | 21.96% | $21,957 | |
| Australian Fixed Interest | 30.03% | $3,003,000 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| IOF0145AU | Janus Henderson Tactical Income | 15.41% | $15,406 |
| AAA | Betashares Australian High Interest Cash ETF | 14.62% | $14,619 |
| Australian Fixed Interest | 30.03% | $3,003,000 | |
| International Fixed Interest | 18.96% | $18,959 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ETL0016AU | PIMCO Diversified Fixed Interest W | 18.96% | $18,959 |
| International Fixed Interest | 18.96% | $18,959 | |
| Alternatives | 2.88% | $2,880 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ECL0013AU | Ellerston Australian Market Neutral | 2.88% | $2,880 |
| Alternatives | 2.88% | $2,880 | |
100.00%
Total
$99,980
Fees & Charges
Enter an investment amount to get an estimate on your fees.
Management fee
0.75%
$0
+
Indirect cost
0.41%
$0
=
Total Per Annum
1.16%
$0
You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.
If you would like to see our fees and charges in more detail, please visit our Fees section.
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 February 2019
Fees & Charges
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 | 2.90% | $290,000 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| CASH | Cash | 2.90% | $2,900 |
| Cash | 2.90% | $290,000 | |
| Australian Shares | 32.17% | $3,217,000 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| WPL | Woodside Pet | 1.28% | $1,277 |
| MNY | MONEY3 Corporation | 1.41% | $1,410 |
| NCM | Newcrest Min | 1.19% | $1,191 |
| QBE | QBE Insurance Grp | 1.22% | $1,225 |
| LSF | L1 Long Short Fund | 3.88% | $3,881 |
| LOV | Lovisa Hldgs | 1.38% | $1,384 |
| LNK | Link Admin Hldg | 1.15% | $1,146 |
| WES | Wesfarmers | 1.15% | $1,154 |
| RHC | Ramsay Health Care | 1.15% | $1,151 |
| SCG | Scentre Grp | 1.14% | $1,142 |
| SEK | Seek | 1.11% | $1,112 |
| SGR | The Star Entertain | 1.14% | $1,142 |
| TWE | Treasury Wine | 1.17% | $1,168 |
| CSL | CSL | 1.09% | $1,085 |
| CBA | Commonwealth Bank of Aust | 1.11% | $1,106 |
| BXB | Brambles | 1.25% | $1,245 |
| BSL | BlueScope Steel | 1.14% | $1,144 |
| BKL | Blackmores | 0.85% | $849 |
| BHP | BHP | 1.20% | $1,204 |
| ANZ | ANZ Banking Grp | 1.23% | $1,231 |
| AMC | Amcor | 1.26% | $1,260 |
| AMA | AMA Group Limited | 1.14% | $1,140 |
| AGL | AGL Energy | 1.18% | $1,184 |
| MQG | Macq Grp | 1.25% | $1,253 |
| MVP | Medical Developments | 1.10% | $1,098 |
| Australian Shares | 32.17% | $3,217,000 | |
| International Shares | 32.06% | $32,063 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| IVV | iShares S&P 500 ETF | 5.99% | $5,985 |
| MGE9885AU | Magellan High Conviction Fund | 6.71% | $6,708 |
| IVE | iShares MSCI EAFE ETF | 6.63% | $6,634 |
| IFRA | VanEck Vectors FTSE Global Infrastructure (Hedged) ETF | 5.16% | $5,162 |
| MGL0004AU | Ironbark Royal London Concentrated Global Share | 7.57% | $7,574 |
| International Shares | 32.06% | $32,063 | |
| Australian Fixed Interest | 18.35% | $18,348 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| IOF0145AU | Janus Henderson Tactical Income | 8.71% | $8,709 |
| AAA | Betashares Australian High Interest Cash ETF | 9.64% | $9,640 |
| Australian Fixed Interest | 18.35% | $18,348 | |
| International Fixed Interest | 10.72% | $10,717 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ETL0016AU | PIMCO Diversified Fixed Interest W | 10.72% | $10,717 |
| International Fixed Interest | 10.72% | $10,717 | |
| Alternatives | 3.80% | $3,799 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ECL0013AU | Ellerston Australian Market Neutral | 3.80% | $3,799 |
| Alternatives | 3.80% | $3,799 | |
100.00%
Total
$100,009
Fees & Charges
Enter an investment amount to get an estimate on your fees.
Management fee
0.75%
$0
+
Indirect cost
0.40%
$0
=
Total Per Annum
1.15%
$0
You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.
If you would like to see our fees and charges in more detail, please visit our Fees section.
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 February 2019
Fees & Charges
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 | 2.87% | $287,000 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| CASH | Cash | 2.87% | $2,870 |
| Cash | 2.87% | $287,000 | |
| Australian Shares | 39.27% | $3,927,000 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| LSF | L1 Long Short Fund | 3.83% | $3,831 |
| MNY | MONEY3 Corporation | 1.43% | $1,433 |
| MQG | Macq Grp | 1.28% | $1,280 |
| MVP | Medical Developments | 1.12% | $1,116 |
| NAN | Nanosonics | 1.36% | $1,365 |
| NCM | Newcrest Min | 1.22% | $1,218 |
| QBE | QBE Insurance Grp | 1.25% | $1,252 |
| LOV | Lovisa Hldgs | 1.41% | $1,407 |
| LNK | Link Admin Hldg | 1.17% | $1,172 |
| S32 | South32 | 1.31% | $1,314 |
| SCG | Scentre Grp | 1.17% | $1,168 |
| SEK | Seek | 1.14% | $1,137 |
| SGR | The Star Entertain | 1.17% | $1,168 |
| TGR | Tassal Grp | 1.25% | $1,248 |
| TLS | Telstra Corp | 1.28% | $1,283 |
| TWE | Treasury Wine | 1.19% | $1,194 |
| RHC | Ramsay Health Care | 1.18% | $1,177 |
| WES | Wesfarmers | 1.18% | $1,181 |
| WPL | Woodside Pet | 1.31% | $1,307 |
| CBA | Commonwealth Bank of Aust | 1.13% | $1,133 |
| AGL | AGL Energy | 1.21% | $1,210 |
| AMA | AMA Group Limited | 1.16% | $1,158 |
| AMC | Amcor | 1.29% | $1,289 |
| ANZ | ANZ Banking Grp | 1.26% | $1,259 |
| BHP | BHP | 1.23% | $1,231 |
| BKL | Blackmores | 0.87% | $870 |
| BSL | BlueScope Steel | 1.17% | $1,170 |
| CSL | CSL | 1.11% | $1,113 |
| JHG | Janus Henderson | 1.32% | $1,322 |
| BXB | Brambles | 1.27% | $1,274 |
| Australian Shares | 39.27% | $3,927,000 | |
| International Shares | 38.81% | $38,816 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| IVV | iShares S&P 500 ETF | 7.51% | $7,511 |
| IFRA | VanEck Vectors FTSE Global Infrastructure (Hedged) ETF | 5.10% | $5,098 |
| MGL0004AU | Ironbark Royal London Concentrated Global Share | 9.49% | $9,490 |
| MGE9885AU | Magellan High Conviction Fund | 8.40% | $8,405 |
| IVE | iShares MSCI EAFE ETF | 8.31% | $8,313 |
| International Shares | 38.81% | $38,816 | |
| Australian Fixed Interest | 10.01% | $10,011 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| IOF0145AU | Janus Henderson Tactical Income | 4.30% | $4,298 |
| AAA | Betashares Australian High Interest Cash ETF | 5.71% | $5,713 |
| Australian Fixed Interest | 10.01% | $10,011 | |
| International Fixed Interest | 5.29% | $5,290 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ETL0016AU | PIMCO Diversified Fixed Interest W | 5.29% | $5,290 |
| International Fixed Interest | 5.29% | $5,290 | |
| Alternatives | 3.75% | $3,750 | |
|---|---|---|---|
| Code | Security name | Weighting % | Amount |
| ECL0013AU | Ellerston Australian Market Neutral | 3.75% | $3,750 |
| Alternatives | 3.75% | $3,750 | |
100.00%
Total
$100,016
Fees & Charges
Enter an investment amount to get an estimate on your fees.
Management fee
0.75%
$0
+
Indirect cost
0.38%
$0
=
Total Per Annum
1.13%
$0
You will pay $0.00 per month when you invest with us based on the initial investment amount entered, and the investment manager and model portfolio chosen. All fees and charges are inclusive of GST.
If you would like to see our fees and charges in more detail, please visit our Fees section.
Ready to Invest?
Our single, simple fee covers administration and operations by OpenInvest, the services of your chosen investment manager, and any indirect costs.