Investing for retirement

Grow your retirement savings with InvestSMART

InvestSMART for retirement

Investing for retirement is one of the wisest things you can do to secure your future. InvestSMART helps SMSF and DIY investors build a diversified investment portfolio tailored to your goals and stage of life.

Whether you're new to investing or an experienced SMSF owner, InvestSMART can help you take control of your money and save for a happy retirement.

Paul Clitheroe AM, Chairman

The right investments for your retirement goals. We make it easy.

By investing in the right portfolio you can boost your retirement nest egg. InvestSMART sets up and manages your investment portfolio. We monitor your portfolio so that you can get on with living your life.

Diversified investments

InvestSMART's Professionally Managed portfolios are spread across Australian and international shares, infrastructure and property, and high quality bonds.
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Low cost

Fees matter. Paying over 1% in fees could cost you $200,000 over 30 years on an initial $100,000 investment in a growth portfolio earning 6 to 8% returns. We have a flat admin fee of 0.11% and our management fees start at just $44 p.a. (for a $10,000 investment) and are capped at $880 p.a. for any investments over $200,000.
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Safe and secure

Your investments have a unique Holder Identification Number (HIN) in your name so you have full ownership and control. We use bank level security to keep your account safe.
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Invest in your retirement

Retirement calculator

Many of us don’t know how much money we’ll need in retirement to live comfortably on. Use InvestSMART’s retirement calculator to understand how much you need to invest to achieve your financial goals.

InvestSMART retirement planner

Want a portfolio recommendation? We're here to help

Tell us about your financial goals, savings, investments, and how long you plan to invest. We'll then recommend an InvestSMART portfolio that's suitable for you.

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Our investment portfolios

Our portfolios range from conservative to high growth. Where you are in your retirement planning journey will influence the best type of portfolio for you and your retirement goals.

InvestSMART

Conservative

Designed to protect your wealth and optimise for income. Suitable for people who are retired or close to retiring. It offers more defensive investments like bonds and cash to buffer against share market dips. A small amount of Australian and global shares provide some growth opportunity. Investment timeframe: 2+ years

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Balanced

Suitable for people who want to boost their nest egg but avoid riskier investments before retirement. Designed to simultaneously maintain some growth and protect against market dips. Includes a mix of Australian and global shares, infrastructure investments, and a higher allocation of bonds. Investment timeframe: 3-5+ years

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InvestSMART

Growth

Designed for wealth accumulation. You may be early or mid-career and have time to stay invested during market highs and lows. It has an emphasis on growth assets like Australian and international shares and property. It holds fewer defensive assets like bonds. A medium to high risk tolerance. Investment timeframe: 5+ years.

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InvestSMART

High Growth

This portfolio is all about wealth creation. It has more investments like global and Australian shares to aim for higher returns over the long-term. Suitable for those with time to ride out the ups and down of markets and focus on achieving their financial goals over 7+ years

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InvestSMART

Ethical Growth

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.

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InvestSMART

Ethical High Growth

The Ethical High Growth Portfolio is all about helping you build long term wealth and achieve goals with a timeframe of 7-years-plus to ride out the ups and down of markets.

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Our capped fee difference

Over the years compounding fees eat into your investment returns. InvestSMART keeps its fees low, so you pay less to invest.

Retirement news and insights

Building wealth for retirement

Retirement looks different for everyone, but planning ahead is the key to shaping the retirement you want.

Tallying the Cost of a Comfortable or Modest Retirement

Scott Francis tackles the complex question of how much one needs in retirement and does the calculations on what constitutes a modest, comfortable or expansive retirement.

The Great Investment Fee Scam is hiding in plain sight. And it's ripping us all off.

Alan Kohler explains why compounding investment fees are the greatest trick the funds management industry ever pulled

Is an InvestSMART Portfolio suitable for an SMSF?

Here are three reasons why InvestSMART's Professionally Managed Accounts and SMSFs make great partners

Super fund scams: How to protect your retirement savings

ASIC says super funds need to step up scam protections. Here's what to know and how to protect yourself.

How much do you really need to retire?

It's one of the questions I'm most frequently asked - how much money do I need in retirement? There is no one figure that's right for each of us. What matters is that you plan ahead.

How much super should I have in my 60s?

Our 60s tend to be the time when retirement becomes a reality, but even at this late stage it is possible to give your income a boost and stretch your super further. Let's dive in.

How much super should I have in my 50s?

Effie Zahos continues her 3-part series on super, offering simple strategies for those of us aged in our 50s to boost our super savings on the road to retirement.

How much super should I have in my 30s and 40s?

Do I have enough super? It's a question many of us ask, and in the first of a 3-part series, Effie Zahos looks at how much 30- and 40-somethings should have in super, plus budget-friendly tips to grow your balance.

Paul Clitheroe's Making Money: Managing your own intergenerational wealth transfer

Give away your money now or wait until you have passed away? There are plenty of decisions to be made around transferring our wealth as we age.

The trade off all investing is built on

Bill Sharpe is considered one of the great thinkers about investment markets, a Nobel Prize in Economics winner (1990) for his part in the research behind the capital asset pricing model, a model that helped describe the profound investment link between risk and return.

Unlocking overseas investment opportunities... and why so few Aussies do it

Investing globally provides us with an enormous opportunity set. At any point in time there are high quality businesses trading at attractive prices somewhere in the world.

What is a core and satellite investment strategy?

Top five things to consider when looking at a core and satellite investment approach.

Superannaution Benchmarks and Your Portfolio

Scott Francis looks at the drivers behind superannuation returns for FY23 and how they can be used as a benchmark for your portfolio.

Do Higher Rates Make Annuities a Retirement Option?

Scott Francis examines the possible attractiveness of annuities now that interest rates are higher, and how they could help manage longevity and inflation risk.

Income your way: Distributions for compounding wealth and living life

"Do you know the only thing that gives me pleasure? It's to see my dividends coming in." - John D Rockefeller.

The 'average' retiree is now self-funded. What's their annual income?

Self-funded retirement is often seen as a poor relation to receiving an age pension. That's certainly not the case.

Ready, Aim, FIRE to retire early

FIRE - Financial Independence Retire Early. It's not a new concept, but it has exploded in the post-COVID world.

The Virtues of Old Age

When Berkshire Hathaway's vice-chairman Charlie Munger found a book by Cicero praising old age, he 'went into orbit'. We look at why.

Giving Back, and its importance

With the busyness of our day-to-day lives, it's sometimes easy to forget that the greatest thing we can do is to help others. We look at the importance of giving back.

Preparing for life after work

For much of our working life, the idea of retiring can be very appealing. But when retirement rolls around it can suddenly be very confronting. It's not just about realising we're getting older, it's the idea of managing your money for 20, maybe 30 years when you don't have a regular wage rolling in.

Reverse mortgages - know the pros and cons

Soaring property values have given home owners a lot more equity in their property. A reverse mortgage can let seniors tap into this resource.

Budgeting in retirement

You don't need a fortune to live well in retirement. In fact, most Australians don't have a fortune to retire on, and today over 3 in 5 people aged 65-plus are on an age pension . What matters is how you use your money, and that's where budgeting plays a vital role.

Planning for volatility when you're retired

For retirees living on a fixed income, or those planning to retire in 2022, volatility in investment markets can be especially unnerving. But there are ways to plan for, and manage, volatility.

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“Easy to establish a fund, alter if need be, track the performance of the fund and also include your other investments so you can track your entire investment portfolio.”

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“Information provides great food for thought and reviews assist in making investment decisions. Site is easy to navigate and is my first go to place for company and investment information.”

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“Great experience and very helpful staff when I ring up to sort an issue. I could not get a better service anywhere.”

Ray

“Very easy to get started and the dashboard is great to see which ETFs my money is invested in. Fees are also very cheap compared to other investment funds.”

Retirement FAQs

Curious about investing for retirement? Checkout our FAQs. Still have questions? Use the chat function to ask us a question.

Investing for retirement

InvestSMART for retirement

The right investments for your retirement goals. We make it easy.