How it works

in 3 easy steps

Watch video
How Fundlater works
Step 1

Choose from our 3
diversified portfolios.

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.

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.

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

Step 2

Open an investment
account with just $4k.

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.

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

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.

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

Step 3

Pay your loan back
over 20 instalments.

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

Industry low management fees of your portfolio starting at 0.55%pa of your account value.

Low brokerage: You are the full legal owner of all the investments and you’ll only pay $4.40 per transaction.


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, Chief Content Officer & Money Commentator.
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.
Mitchell Sneddon
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.


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

What is diversification?

Should I diversify my portfolio? 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.

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).


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