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Collins House Online Portfolios

Australia’s leading online investment service

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The choice of 6 investment portfolios

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Low cost, diversified & professionally managed

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Minimum investment $5,000

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Open an account in under 10 minutes

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Receive regular market updates from the Collins House Investment Committee

How does it work?

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Choose from one of our 6 investment portfolios below…

Open an Account

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Complete the short account opening process (under 10 minutes) and transfer funds into your new investment account.

Relax - We're looking after you

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Collins House will then build and manage your portfolio, keeping you up-to-date with all of our decisions. You can relax, knowing your investments are being looked after by our team of professionals.

Keep track of your portfolio and our updates, 24/7, via your client portal and the Collins House Online app.

Our Portfolios

Choose the portfolio that’s right for you…

Balanced Portfolio

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Investment objective

Aims to provide investors with a moderate income and capital growth over periods of 5 years or more by investing in a diversified portfolio split equally between growth assets and defensive assets

E

Who is this suitable for?

Investors seeking a careful balance between risk and reward

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Asset class mix

50% defensive (fixed interest, cash)
50% growth (equities, property, alternatives)

E

Target Returns

CPI plus 3% in any rolling 5 year period

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Risk Level

Medium. Negative return 4 years in every 20 years

E

Suggested time frame

5 years+

E

Investment fee

High Income Portfolio

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Investment objective

Aims to deliver a total income return of over 3% p.a (net of all fees). The fund is actively managed and provides diversification across Australian and global fixed interest markets thereby minimising the risk of any capital loss.

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Who is this suitable for?

Investors seeking an alternative source of income without taking on excessive risk.

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Asset class mix

100% defensive (fixed interest, cash)

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Target Income Returns

3% plus (net of all fees) through the market cycle

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Risk Level

Low

E

Suggested time frame

1-2 years+

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Investment fee

E

Click here to view our FAQs

Click here to view our FAQs

What is the objective of the High Income Portfolio?

The High Income Portfolio aims to provide regular income through investing in a diversified and actively managed portfolio of quality fixed interest investments.

We aim to provide an income return that is greater than bank term deposits by generally favouring fixed interest investments that deliver higher returns at an acceptable level of risk. However, with the higher rate of expected return comes higher expected risk, including the risk of capital loss.

What are Fixed Interest Investments?

Fixed interest investments, such as term deposits and government bonds offer investors a regular income for a specified term with the expectation that the principal will be repaid at the end of the term (maturity date).

Term Deposits are a deposit with a financial institution which has an agreed term (generally 1 month to 5 years) and interest rate (generally higher than an at call account but lower than other fixed interest investments). There are restrictions on how they can be terminated prior to the term. The chief benefit of a term deposit is that capital is guaranteed by the Australian Government, up to a limit of $250,000.

Bonds are securities issued by Governments or Corporations when they borrow money from investors.
Corporate Bonds generally pay a higher rate of return than Government Bonds and usually pay higher interest than term deposits to reflect the perceived higher credit risk.
Global bonds are usually fully hedged to the Australian dollar to remove any currency risk.

Residential Backed Mortgage Securities (RMBS) are another form of fixed interest investment and are made up of packages of home loans that are sold on by lenders to investors.
RMBS generally pay higher returns than Government Bonds and in some cases Corporate Bonds due to increased credit risk.

Fixed interest investments can be sold relatively quickly, although it’s important to note their capital value may rise and fall due to market conditions and assessed credit risk.

What are the benefits of investing in the High Income Portfolio?
  • Quarterly income distributions; we are targeting a distribution of over 3% p.a, (net of all fees) and paid quarterly – please note that this rate of return is not guaranteed and is determined by market conditions.

  • Actively managed; we utilise a range of specialist Fixed Interest Managers to take advantage of expertise in both local and global fixed Interest markets and monitor the underlying portfolios and manager performance so as to minimise risk of any capital loss.

  • Diversification; our portfolio is diversified in two crucial ways: first, it offers diversification across Government and Corporate Bonds as well as RMBS and other liquid fixed interest opportunities both in Australia and Internationally. Second, we select different Fixed Interest Managers to take advantage of their expertise across different markets.

  • Easy access; it’s a quick and simple process to open an account and you can start with as little as $5,000.

  • Regular updates; Our Investment Committee provides you with regular and timely updates on the performance of the portfolio

What are the risks of investing in the High Income Portfolio?

Whilst the High Income Portfolio aims to minimise risk of any capital loss by diversifying both across the various types of fixed interest investments and within those categories, an investment in the portfolio is not capital guaranteed. There is a risk of capital loss and/or of the portfolio not being able to pay the expected income distribution.

Who might be suited to the High Income Portfolio?

Investors and retirees seeking a higher rate of income return than is currently being offered by bank deposits and who fully understand and accept that this investment is higher risk than a term deposit. In particular, unlike an investment in a term deposit, an investment in our High Income portfolio is not capital guaranteed.

What is the minimum investment?

The minimum investment is $5,000, with the ability to add further amounts of $1,000 or more.

How often are income distributions paid?

Income distributions (which consist of interest and realised capital gains) are paid quarterly around the following dates: January 30, April 30, July 30 and October 30.

Can I elect to reinvest my income back into the portfolio?

Yes. When opening your account, you can choose what percentage of the income (from 0% to 100%) you wish to receive, and the balance will be reinvested back into the portfolio. Alternatively, you can elect to receive a fixed amount quarterly which may consist of income and capital, which will be transferred into your nominated bank account every quarter.

Is my money locked in for a certain time?

No. You can withdraw your money at any time without penalty. Settlement usually takes 7 days although in certain circumstances we reserve the right to extend this period (reasons in which we might have to do so this are set out in the PDS). The majority of the funds we invest in are listed on the ASX which settle on a T+2 basis although a portion is likely to be unlisted which will generally take longer to settle.

What are the costs involved?

We charge a Management Fee of 0.75% p.a. which covers our investment management decisions as well as the platform administration costs. This fee is deducted directly from your account on a monthly basis.

There is also an indirect cost based on the underlying charges of the holdings we invest in, such as ETFs and managed funds. These charges are automatically deducted from those funds and do not come out of your account.

For an estimate of your monthly charges please click here.

Who makes my investment decisions?

The Collins House Investment Committee manages the portfolio. The Investment Committee has over 60 years experience in financial markets and portfolio construction. Click here for further information.

The selection of the individual fixed interest securities is outsourced to external investment managers who have significant experience and expertise in managing fixed interest securities.

How is my first quarterly income payment calculated?

A new investor entering the High Income Portfolio during the quarter will have their accrued income paid out to them based on the time they have been invested in the portfolio.  As an example, if you enter the portfolio 20 days before we pay income out for that quarter, then you will only be entitled to any interest, dividend or distributions paid by the underlying funds or ETFs for the quarter, in that 20 day period in which you were invested.

Moderately Defensive Portfolio

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Investment objective

Aims to provide investors with modest capital appreciation and income over periods of three years or more by investing in a diversified portfolio of predominantly defensive assets

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Who is this suitable for?

Investors wanting stable income and a high degree of capital stability

E

Asset class mix

70% defensive (fixed interest, cash)
30% growth (equities, property, alternatives)

E

Target Returns

 CPI plus 2% in any rolling 3 year period

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Risk Level

Low to medium. Negative return 3 years in every 20 years

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Suggested time frame

3 years+

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Investment fee

Growth Portfolio

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Investment objective

Aims to provide investors with a higher rate of return over periods of 7 years or more by investing in a diversified portfolio of predominantly growth assets

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Who is this suitable for?

Investors looking for higher potential investment performance and who are prepared to accept increased risk and volatility in order to achieve it

E

Asset class mix

30% defensive (fixed interest, cash)
70% growth (equities, property, alternatives)

E

Target Returns

CPI plus 4% in any rolling 7 year period

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Risk Level

High. Negative return 5 years in every 20 years

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Suggested time frame

7 years+

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High Growth Portfolio

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Investment objective

Aims to maximise total returns over a period of 8 years or more by investing in a diversified portfolio of majority growth assets

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Who is this suitable for?

Investors seeking to maximise their total returns over the longer term and are prepared to tolerate a high degree of market volatility along the way

E

Asset class mix

10% defensive (fixed interest, cash)
90% growth (equities, property, alternatives)

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Target Returns

CPI plus 5% in any rolling 8 year period

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Risk Level

Very high. Negative return 5 years in every 20 years

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Suggested time frame

8 years+

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SRI Balanced Portfolio

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Investment objective

Aims to provide investors with a diversified portfolio split equally between growth assets and defensive assets, taking into account the social and environmental impact of the chosen companies

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Who is this suitable for?

Suited to investors seeking a careful balance between risk and reward and who wish to make a positive social impact

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Asset class mix

50% defensive (fixed interest, cash)
50% growth (equities)

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Target Returns

CPI plus 3% in any rolling 5 year period

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Risk Level

Medium. Negative return 4 years in every 20 years

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Suggested time frame

5 years+

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Helping everyday Aussies reach their financial goals

I wanted to start a small investment portfolio for my son in the hope that in the years to come he will have enough for a home deposit. I find Collins House Online to be a great place to make this happen. It’s quick and simple to set up and I can monitor my son’s portfolio on a daily basis.

- Claudia

From the moment my children were born I opened a bank account each for them and commenced saving for their futures. Unfortunately, that method has produced miserable returns. Finally, I have a product that I can trust, is easy-to-use, and produces a far better return based on my risk profile. This is “set and forget” mechanics at its best and gives me peace of mind. Thank you Collins House Online!

- Mal