How we invest

Our core investment principles are diversification, low cost and time.

How we invest at Fundlater
Why diversification is important

Why is diversification an important investment strategy?

You have heard the saying “Don’t put all your eggs in one basket”. This means don’t concentrate all your prospects or resources in one thing or place, or you could lose everything.

Diversification is when you spread your investment risk by investing across different asset classes, sectors and markets. The theory goes that this will make your portfolio less vulnerable to swings in the market, so when one investment performs poorly, another could be doing well – smoothing out the return for your whole portfolio.

Why we use Exchange Traded Funds

Why we use Exchange Traded Funds (ETFs).

ETFs are a type of managed fund that is made up of a group of companies (Australian and Global companies you know and use everyday), and is listed on a stock exchange like shares.

Diversified Investment Portfolios using Exchange-traded funds (ETFs) is a great to invest in a range of companies (you know and use every day) and assets at a lower cost. We give you the ability to choose from our range of ready made, expertly managed portfolios to match your investment goals, timeframe and risk profile.

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

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.


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.

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