Fundlater
Fundlater

How it works

in 3 easy steps

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How Fundlater works
Invest now Investment Options
Step 1

Choose from our 4
diversified portfolios.

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Diversified Investment Portfolios using Exchange-traded funds (ETFs) is a great way to invest in a range of companies (you know and use every day) and assets at a lower cost.

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Each of our portfolios have been created and managed by our analyst team by blending Australian shares, international shares, infrastructure and more to create long-term investment portfolios.

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We monitor and rebalance for you so you can get on with your life and let your money get to work.

Invest now Investment Options
Step 2

Open an investment
account with just $4k.

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You open an account and deposit $4K and we top you up to $10K. More money working for you immediately to grow long-term wealth.

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We will buy your investments for you and you’ll be able to see your portfolio, transactions, dividends, fees, the works.

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Investments are not risk free. We diversify your portfolio but it is not immune to market movements. Your account balance will go up and down over the course of your investment.

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Borrow to invest can increase your risk. By borrowing you are increasing your market exposure. This can magnify gains and loses.

Invest now Investment Options
Step 3

Pay your loan back
over 20 instalments.

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Pay 20 monthly instalments of $325. Pay your loan off early at no penalty.

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We have a flat admin fee of 0.11% that includes all buy-side brokerage and low management fees starting at just $44 per annum with Australia’s only capped fee structure*.

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Low brokerage: You are the full legal owner of all the investments and sell-side brokerage is applied at the greater of $4.40 or 0.044% of the trade value.

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What our experts say
about Fundlater

Effie Zahos
quote
If you’re keen to invest in shares, and you’re happy to accept the returns of a given index, ETFs can be a hassle-free option to get into the stock market.
— Effie Zahos, Money Commentator & Director.
Paul Clitheroe
quote
I reckon Fundlater is the nudge plenty of Aussies have been looking for to grow their wealth.
— Paul Clitheroe, Chairman.
Ron Hodge
quote
Lowering the risk of borrowing to invest is the hallmark of Fundlater; even if the value of the investment portfolio falls below the outstanding Fundlater loan balance, you will not owe any additional money.
— Ron Hodge, InvestSMART CEO.

Learn

Check out our educational articles to help you get the most out of your investment.

What is diversification?

You've probably heard of diversification but how does it work and why is it so important? Here's the lowdown.

A beginners guide to understanding ETFs

If you like the idea of investing in a lot of listed shares at low cost, with a modest investment outlay, and the potential to achieve good returns, you owe it to yourself to check out what are called ETFs (Exchange Trade Funds).
Learn more