Investment options
To suit your goals, risk appetite and timeframe.
Find the right portfolio for you
Using a Fundlater loan you can choose from 3 diversified investment portfolios to suit your investment goals, risk appetite and timeframe. Borrowing to invest can increase your risk, view our PDS, TMD and Terms and conditions.
InvestSMART
Ethical Growth Portfolio
A portfolio of Australian and international shares, bonds, infrastructure and property excluding companies with harmful practices to the environment and society.
The portfolio provides capital growth and dividends and is suitable for those with a 5+ year investment timeframe.
InvestSMART
Growth Portfolio
Invest in the largest companies across the globe as well as property, infrastructure and bonds. This diversified portfolio aims to provide the long-term investor (you) with capital growth and dividends for the long-term investor.
Suitable for a 5+ year investment timeframe.
InvestSMART
High Growth Portfolio
Invest in the largest companies across the globe as well as property, infrastructure and bonds. This diversified portfolio aims to provide the long-term investor (you) capital growth and dividends with greater exposure to shares and high tolerance for risk.
Suitable for a 7+ year investment timeframe.
Invest in diversified
ETF portfolios
Why we choose exchange-traded funds (ETFs)
ETFs pool together a group of companies. Through one transaction you’re able to own a part of hundreds of shares or bonds spreading your risk across different industries, countries and asset classes.
Benefits of investing in ETFs
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.
Invest in local & global brands you use everyday
Our diversified investment portfolios of exchange-traded funds (ETFs) give you access to invest in great Australian and Global companies. Examples of top holdings you could invest in through one of our portfolios.
Investing safely is our priority
Not a margin Loan
Safer than standard margin loans because your potential loss cannot be more than the money you have invested.
Markets can go up or down
Potential to lose some or all of your investment if you stop paying monthly repayments.
Full tax reporting
We’ll consolidate all income & trading activity for your tax reporting.
What our experts say
about Fundlater
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.
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.
I reckon Fundlater is the nudge plenty of Aussies have been looking for to grow their wealth.
— Paul Clitheroe, Chairman.
This is an investing journey you can share with your children and grandchildren. Each monthly repayment helps to form lifelong positive investment habits. Fundlater helps you plant the seeds for their future.
— Mitchell Sneddon, Head of Portfolio Services.
FAQs
Who can invest using InvestSMART Fundlater?
An InvestSMART Professionally Managed Account using a Fundlater non-recourse loan is only available for
- individual and joint accounts
- individual trustee and joint trustees for a child
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Can I fund with more than $4,000, and if so, can I still borrow $6,000?
Key Points:
-
The minimum amount you need to provide is $4,000.
-
The maximum amount InvestSMART will loan is $6,000.
Explanation:
Yes, you can fund with any amount, minimum $4,000, and still be credited $6,000 or less if you desire.
Each investment portfolio requires $10,000 so as long as this total is met, you can alter the amounts.
For example, you can fund with $5,000 and be credited $5,000 or fund with $7,000 and be credited $6,000.
Can I borrow more once I have paid down my original loan?
Yes.
If you have fully repaid your Fundlater loan, you have the option to redraw an additional $6,000 given that you are still invested in a Fundlater approved portfolio.
You can request a top-up here and the loan will be added to your account with no additional upfront funding required from you.
Terms apply.
What if I miss an instalment?
It's important to always communicate with us if you cannot meet an instalment.
If you don't make one of your monthly payments of $325, we will send an email reminder on the 1st, 5th, and 9th days following the missed payment.
If the payment has not been received 10 days after your monthly payment due date, InvestSMART may sell all securities within your portfolio.
You will receive back the portfolio value minus the outstanding instalments.
If, for whatever reason, you will not be able to pay your instalment on the payment date, please contact us as soon as possible.
Can I close my account prior to making all repayments?
Yes, you can close your InvestSMART PMA at any time.
InvestSMART will sell down your portfolio and deduct any outstanding instalments. Once this is completed, we will return the remaining amount to you.
InvestSMART bears the risk. If the sum of remaining instalments is greater than the portfolio's value, the investor will receive no money but will not owe InvestSMART either.
Is this a margin loan? If the market falls in value will I need to add in further funds to avoid a margin call?
No, a Fundlater non-recourse loan is not a margin loan. As long as you can continue to make the repayments your account will continue to operate no matter the market movements.
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