Own a $10K investment portfolio with only $4K upfront
Own a $10K investment portfolio with only $4K upfront
Set up a $10k investment for your child with only $4K upfront
How it works
Step 1
Choose a portfolio that suits your investment goals and timeframe.
Step 2
Open an account with $4k and we will top it up to $10K. No margin calls.
Step 3
Pay us back with 20 fixed monthly $325 repayments. No penalties if you pay us back faster.

Investment options

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

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

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

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

Invest in diversified
ETF portfolios

Why we choose ETFs

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

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.

Invest in Google
Invest in Woolworths
Invest in Apple
Invest in Microsoft
Invest in Commonwealth Bank
Invest in Amazon
Invest in Westpac
Invest in Meta Facebook
Invest in Macquarie Bank
Invest in Fortescue
Invest in Tesla
Invest in Goodman
Invest in Telstra
Invest in ANZ
Invest in NAB
Invest in Westfarmers
Download the Fundlater mobile app Download the Fundlater mobile app QR code

Download the Fundlater App today

Keep an eye on your investments

Keep an eye on your investment 24/7

Our new simple to use app allows you to check performance, monitor holdings, transactions and fees wherever or whenever you want.

Privacy and security

Privacy and security

It’s built using our same top level SSL security to ensure we keep your information safe and secure.

Investing safely is our priority

Investing safely is our priority

Not a margin Loan

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

Markets can go up or down

Potential to lose some or all of your investment if you stop paying monthly repayments.

Full tax reporting

Full tax reporting

We’ll consolidate all income & trading activity for your tax reporting.


What our experts say
about Fundlater

Effie Zahos
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, Independent Director.
Ron Hodge
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.
Paul Clitheroe
I reckon Fundlater is the nudge plenty of Aussies have been looking for to grow their wealth.
— Paul Clitheroe, Chairman.
Evan Lucas
Fundlater allows you to turn your spending habits into an investment habit by giving you the ability to use the monthly repayments you know so well towards your investment and future growth.
— Evan Lucas, Chief Market Strategist.


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

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).

Top 5 mistakes new investors make

Investing is a great way to build wealth and save for your retirement, but there are some common mistakes first-time investors tend to make. If you're just starting out, here are five of the biggest pitfalls to avoid.

Why diversify?

You're better off keeping a mixed bag of goods, because if you pick the rotten apple, there's bound to be another one in the basket ripe and ready.


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

Key Points:

  • The minimum amount you need to provide is $4,000.

  • The maximum amount InvestSMART will loan is $6,000.


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.


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.

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.

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.

See How do I close my account?

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.

We’re here to help, visit our Help Centre