Excellent 4.4

Investing made simple, start building wealth.

We build and manage your portfolio to achieve your financial goals

Webinar: Attend our webinar to learn how to pick the best ETFs

Bonus offer: Get your first $100 contribution on us for all new accounts opened and funded in July 2025**

Get started

Join the webinar

Expert-built ETF portfolios,
with your personal touch.

How it works

Start your financial
journey today.

Get started

Choose your ETF portfolio

Customise and
make it your own

Monitor your portfolio
while we do the rest

You are in control, with everything you need to monitor and manage your portfolio.

Why invest with us

Simple, smart investing.
Backed by real people.

Financial advice in minutes.

If you are not sure how to choose the right portfolio for you, take our financial advice quiz and get your statement of advice in minutes.

Expert-built portfolios, with your personal touch.

Our ETF Portfolios are professionally managed and automatically rebalanced with the option to add up to 5 star-rated ETFs to suit your interests and goals.

Managed by us, controlled by you.

Our intuitive dashboard puts you in control with everything you need to monitor and manage your portfolio.

Low-cost and transparent fees.

Management fees of 0.44% p.a, capped at $880 p.a. for accounts over $200,000, plus a flat 0.11% p.a. admin fee.

Tax time made easy.

Consolidated end-of-financial-year reporting makes tax time easy.

Customer stories

Our ETF portfolios helping real people achieving real goals.

Annelise P.

Investing in my kid’s future

My three children received a generous gift from a family member, with the intention…

David V.

Investing for my retirement

I’ve always managed my own investments and the investments of my…

Paul L.

Investing for my children

The investment portfolios we have setup for my 3 children was funded by…

Cheryl S.

Investing for my grandkids

I wanted to help secure my grandchildren’s future. I chose investments for the…

Expert-built portfolios

Explore our low-cost diversified ETF portfolios.

Explore our
low-cost diversified ETF portfolios.

Conservative

Balanced

Growth

Ethical Growth

Ethical High Growth

High Growth

InvestSMART

High Growth

Suggested timeframe: 7+ years.

Strategy: For those seeking a ETF diversified portfolio highly weighted to growth assets with a higher tolerance for risk.

Risk profile: High.

Growth assets: 91%

Australian shares

36.5%

International shares

48.5%

Property & infrastructure

Defensive assets: 9%

Fixed interest

Cash

Key information

Details

Performance & Reports

Fees

The High Growth Portfolio is all about helping you build long term wealth and achieve goals with a timeframe of 7-years-plus to ride out the ups and down of markets.

To make sure this investment is appropriate for you, please read our Target Market Determination for this portfolio.

Suitable goals:

Looking to invest for 7+ years

Looking for the highest allocation to growth assets

Saving for future retirement

Building a nest egg for your next-of-kin

Enjoying retirement with no concerns

Key facts:

Minimum initial investment $10,000

Performance since inception 8.86% p.a. (27 Oct 2014)

Estimated income 3.43% p.a.

Benchmark Index Morningstar® Australia Aggressive Target Allocation NR AUD+

Standard risk measure, High (expected negative annual return in 4-6 years out of every 20)

Get started

InvestSMART
High Growth
Suggested timeframe: 7+ years.
Strategy: For those seeking a ETF diversified portfolio highly weighted to growth assets with a higher tolerance for risk.
Risk profile: High.
Growth assets: 91%
Australian shares
36.5%
International shares
48.5%
Property & infrastructure
6%
Defensive assets: 9%
Fixed interest
5%
Cash
4%
Learn more
InvestSMART
Ethical High Growth
Suggested timeframe: 7+ years.
Strategy: A simple, cost-effective way to invest in a ETF diversified ethical portfolio without the usual high fees.
Risk profile: High.
Growth assets: 91.5%
Australian shares
38%
International shares
53.5%
Property & infrastructure
0%
Defensive assets: 8.5%
Fixed interest
5%
Cash
3.5%
Learn more
InvestSMART
Ethical Growth
Suggested timeframe: 5+ years.
Strategy: A simple, cost-effective way to invest in a ETF diversified ethical portfolio without the usual high fees.
Risk profile: High.
Growth assets: 67%
Australian shares
29%
International shares
38%
Property & infrastructure
0%
Defensive assets: 33%
Fixed interest
24.5%
Cash
8.5%
Learn more
InvestSMART
Growth
Suggested timeframe: 5+ years.
Strategy: For those seeking a ETF diversified portfolio weighted to growth assets with a high tolerance for risk.
Risk profile: High.
Growth assets: 71.5%
Australian shares
29.5%
International shares
34.7%
Property & infrastructure
7.3%
Defensive assets: 28.5%
Fixed interest
22%
Cash
6.5%
Learn more
InvestSMART
Balanced
Suggested timeframe: 3 to 5 years.
Strategy: For those seeking a balanced ETF diversified portfolio between growth and defensive assets.
Risk profile: Medium to High.
Growth assets: 48.75%
Australian shares
17.5%
International shares
25.95%
Property & infrastructure
5.3%
Defensive assets: 51.25%
Fixed interest
39.75%
Cash
11.5%
Learn more
InvestSMART
Conservative
Suggested timeframe: 2+ years.
Strategy: For those seeking a ETF diversified portfolio highly weighted to growth assets with a higher tolerance for risk.
Risk profile: High.
Growth assets: 28.5%
Australian shares
10.5%
International shares
13.5%
Property & infrastructure
4.5%
Defensive assets: 71.5%
Fixed interest
54%
Cash
17.5%
Learn more

Make it your own

Customise your portfolio by adding up to 5 ETFs.

Code

Security name

MER

Star rating

ASX category

Australian Shares

VHY

Vanguard Australian Shares High Yield ETF

0.25%

Equity - Australia Strategy

VSO

Vanguard MSCI Australian Small Companies ETF

0.30%

Equity - Australia Small/Mid Cap

FAIR

BetaShares Australian Sustnby Leaders ETF

0.49%

Equity - Australia Strategy

Australian Shares

VHY

Vanguard Australian Shares High Yield ETF

0.25%

Equity - Australia Strategy

VSO

Vanguard MSCI Australian Small Companies ETF

0.30%

Equity - Australia Small/Mid Cap

FAIR

BetaShares Australian Sustnby Leaders ETF

0.49%

Equity - Australia Strategy

International Shares

Property & Infrastructure

Fixed Interest

Alternatives

Download approved list

Please email invest@investsmart.com.au if there are ETFs you would like us to consider adding to our approved list.

Account types

There’s an investment account to suit your needs.

Joint

Investment account for two individuals, such as a couple, looking to invest together.

Get started

Trust

Available to existing Trusts including discretionary, family, testamentary and charitable.

Get started

Individual

Investment account for people who want to invest under their own name.

Get started

SMSF

Available to existing SMSFs with Company (Pty Ltd) or Individual trustees.

Get started

Kids

Invest for the children in your life with one or two adults acting as their trustee.

Get started

Corporate

Invest for your company.

Get started

What our members
say about us.

Need help?
Feel free to reach out.

Chat with us online.

Live chat available 9am–5pm, Monday to Friday.

Start a chat

Book a time that suits you.

We’ll call you back at your convenience

Book a callback

Talk to us.

Speak with a real person - right here in Australia.

1300 880 160

Our investment committee.

The primary role of our committee is to oversee the general management and ongoing monitoring of our investment solutions and investment strategies.

Paul Clitheroe, AM

Chairman

Alastair Davidson

Head of Funds Management

Ron Hodge

Managing Director

Effie Zahos

Money Commentator & Director

Alan Kohler, AM

Founder - Eureka Report

FAQs

Can I set up a regular contribution plan or easily add to my portfolio when I want?

Can I switch between investment models & can I hold more than one?

Do I own the shares/ETFs?

Do I receive dividends and where do they go?

Do I receive franking credits and do I get a tax statement?

How do I see my portfolio?

What are the fees?

For answers to common questions, visit our Help Centre.

IMPORTANT: This information is general financial product advice only and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. You should consider the relevant Product Disclosure Statement (PDS), Financial Services Guide (FSG), Target Market Determination (TMD) or seek professional advice before making any investment decision. The PDS for financial products offered through InvestSMART can be downloaded from this website or obtained by contacting 1300 880 160.

** The New Portfolio Offer (Offer) is provided to you by InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435 (InvestSMART) and is only available to investors who open and fund a new account in the Professionally Managed Accounts ARSN 620 030 382 from 1 July 2025 to 31 July 2025 and who do not have a Fundlater loan (Eligible PMA). Offer is not available in conjunction with any other offer (eg. Not available in conjunction with refer a friend bonus). Offer may only be claimed once per investor during the Offer period. InvestSMART will deposit AU$100 into your Eligible PMA within 14 days of receiving your investment funds into your Eligible PMA. Minimum investment amounts and eligibility criteria apply depending on your chosen investment portfolio. InvestSMART reserves the right to modify, suspend or terminate the Offer without notice. See FAQs for more information at https://www.investsmart.com.au/invest-with-us.

* InvestSMART’s capped management fees (capped at $880 p.a.) do not include indirect management fees charged by Exchange Traded Funds, brokerage or administration fees. Administration fees are applicable at 0.11% per annum and include all buy-side brokerage. Sell-side brokerage is applicable at the greater of $4.40 or 0.044% per trade. For more information about fees and costs, please see the Product Disclosure Statement and Investment Menu.

# Performance figures are after management and admin fees excl. brokerage and assuming dividends re-invested and no withdrawals. Performance figures for periods greater than one year are annualised and presented as "per annum" values. The peer comparison figures have been sourced from Morningstar data and is therefore limited to the funds and investment products included in their database. This may not include all funds available for retail investment in Australia. The peer calculation is inclusive of admin and management fees; excludes brokerage and no withdrawals have been made. InvestSMART cannot determine whether or not franking has been included, nor if dividends have been reinvested. Historical performance is not a reliable indicator of future performance.

^ Only funds and investment products included in the Morningstar Australia database are available for fee and performance comparison. This may not include all funds available for retail investment in Australia. Only funds with > three year returns were included in any fee comparison, and were compared to Morningstar’s nominated benchmark. Fees are calculated by Morningstar as the average over 10 years. Whilst every care has been taken in producing these numbers, InvestSMART does not guarantee the accuracy of the figures produced in the table. Fee data may not include all costs being charged such as platform and adviser fees. For the effect of fees on your cumulative returns, please see our report How Fees Can Destroy Your Wealth.

Get started