We tailor a portfolio for:
⇒ your risk tolerance
⇒ your income needs
⇒ your retirement timeframe
⇒ yourethics
⇒ yourSuper
SAFE
Our portfolios are actively managed, and limited to blue chip International and Australian stocks, cash and government bonds. In addition, we intently target high quality stocks to reduce risk.
Efficient
A custom portfolio in your name:
⇒ tax efficient
⇒ cost efficient
⇒ efficient administration
⇒ fully transparent
Nucleus Wealth was formed to bridge the gap in investment solutions for everyday people looking for the middle ground between cookie-cutter robo-advice and high-cost financial planning.
Create and customise your portfolio within 10 minutes through our online onboarding portal
Built for transparency
At any time you can view your enitre portfolio in our portal, informing you of your asset weightings, which stocks you own and why
Change your account preferences anytime through the dashboard
Your portfolio of worldwide stocks, cash and bonds is generated. Deposit or withdraw anytime through a simple bank transfer
Trusted Third Party Protection
All client capital is held and maintained by our Separately Managed Account provider, Praemium, who is backed by JPMorgan and HSBC, two of the biggest global banks. Cash management is backed by ANZ bank
These portfolios feature "Tactical Asset Allocation", meaning the amount of Cash, Bonds and Shares in each portfolio is adjusted by Nucleus Wealth to take advantage of global macroeconomic themes and to help protect the portfolio during volatile market conditions
Through our onboarding portal you can select any of the portfolios or a blend of several, or receive a recommendation of an appropriate blend for you using our free online advice tool
A blended portfolio designed for smaller investment balances
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 75% share exposure. Target allocations are shown in the following pie chart
Partial ethical overlay, allowing you to exclude themes you don't support from your portfolio. Because this portfolio holds Exchange Traded Funds for International exposure, the ethical screening is limited.
Minimum Investment is $35,000
Benchmark is Australian Inflation (CPI) + 3.5%
Performance
1 Year 5.1%
Inception 6.8%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
High growth portfolio for investors who are comfortable with higher levels of volatility and have a longer investment timeframe
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 90% share exposure. Target allocations are shown in the following pie chart
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum Investment is $200,000
Benchmark is Australian Inflation (CPI) + 4.5%
Performance
1 Year 6.8%
Inception 8.9%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
Conservative portfolio for investors who do not have an income requirement
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 50% share exposure. Target allocations are shown in the following pie chart
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum Investment is $200,000
Benchmark is Australian Inflation (CPI) + 2.5%
Performance
1 Year 4.9%
Inception 5.3%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
Conservative portfolio for investors who have a preference for income rather than capital gains
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 30% share exposure. Target allocations are shown in the following pie chart
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
These portfolios feature "Tactical Asset Allocation", meaning the amount of Cash, Bonds and Shares in each portfolio is adjusted by Nucleus Wealth to take advantage of global macroeconomic themes and to help protect the portfolio during volatile market conditions
Through our onboarding portal you can select any of the portfolios or a blend of several, or receive a recommendation of an appropriate blend for you using our free online advice tool
A blended portfolio designed for smaller investment balances
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 75% share exposure. Target allocations are shown in the following pie chart
Partial ethical overlay, allowing you to exclude themes you don't support from your portfolio. Because this portfolio holds Exchange Traded Funds for International exposure, the ethical screening is limited.
Minimum Investment is $35,000
Benchmark is Australian Inflation (CPI) + 3.5%
Performance
1 Year 5.1%
Inception 6.8%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
High growth portfolio for investors who are comfortable with higher levels of volatility and have a longer investment timeframe
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 90% share exposure. Target allocations are shown in the following pie chart
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum Investment is $200,000
Benchmark is Australian Inflation (CPI) + 4.5%
Performance
1 Year 6.8%
Inception 8.9%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
Conservative portfolio for investors who do not have an income requirement
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 50% share exposure. Target allocations are shown in the following pie chart
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum Investment is $200,000
Benchmark is Australian Inflation (CPI) + 2.5%
Performance
1 Year 4.9%
Inception 5.3%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
Conservative portfolio for investors who have a preference for income rather than capital gains
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Blend of assets that are tactically managed within the minimum and maximum weighting range of the portfolio ie. max 30% share exposure. Target allocations are shown in the following pie chart
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
These portfolios hold only Australian or International shares respectively, and do not feature Tactical Asset Allocation, meaning they are always fully invested and are not ‘de-risked’ at any time. This can mean higher levels of volatility compared with Tactical portfolios
A portfolio of leading global companies' shares (60-80 holdings)
Actively Managed, meaning we monitor stock prices and buy or sell accordingly, whilst ensuring a diversified mix of sectors
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Ideal for those who wish to manage their own asset portfolio whilst having Nucleus manage the International share component of the portfolio for them
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum investment: $70,000
Benchmark is the MSCI World Index, excluding Australia
Performance
1 Year 10.8%
Inception 13.7%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
A portfolio of leading Australian companies' shares (20-30 holdings)
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets, whilst ensuring a diversified mix of sectors
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Ideal for those who wish to manage their own asset portfolio whilst having Nucleus manage the Australian share component of the portfolio for them
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum investment: $25,000
Benchmark is the MSCI Australia index
Performance
1 Year -4.1%
Inception 2.8%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
These portfolios hold only Australian or International shares respectively, and do not feature Tactical Asset Allocation, meaning they are always fully invested and are not ‘de-risked’ at any time. This can mean higher levels of volatility compared with Tactical portfolios
A portfolio of leading global companies' shares (60-80 holdings)
Actively Managed, meaning we monitor stock prices and buy or sell accordingly, whilst ensuring a diversified mix of sectors
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Ideal for those who wish to manage their own asset portfolio whilst having Nucleus manage the International share component of the portfolio for them
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum investment: $70,000
Benchmark is the MSCI World Index, excluding Australia
Performance
1 Year 10.8%
Inception 13.7%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
A portfolio of leading Australian companies' shares (20-30 holdings)
Actively Managed, meaning the portfolio is regularly monitored to seek out opportunities in world markets, whilst ensuring a diversified mix of sectors
By using Separately Managed Accounts, every investor has their own individual portfolio, managed by Nucleus Wealth. This means that all dividends, distributions and franking credits are captured within your portfolio
Ideal for those who wish to manage their own asset portfolio whilst having Nucleus manage the Australian share component of the portfolio for them
Full ethical overlay, allowing you to exclude themes you don't support from your portfolio
Minimum investment: $25,000
Benchmark is the MSCI Australia index
Performance
1 Year -4.1%
Inception 2.8%
Past performance is not an indication of future performance. The above returns are as of April 30th 2020 and after investment fees but before administration fees. Inception returns are per annum from 31 July 2017. You can view our full performance reports here.
The following video feature on our Head of Investments Damien Klassen was produced by ‘Livewire Markets’ to highlight his prescient assessment in January 2020 that Coronavirus could put the world into widespread recession. In it, he covers the indicators he was seeing to make the call, and he how he sees economic conditions playing out going forward.
In these funds, we make the decision when and what mix of Australian shares, International shares, cash or bonds to invest in.
There are three sub-funds, and typically we will blend all three of these funds for you so that you get a mix of assets appropriate for your income needs and your risk preference:
Growth: In this fund there is a higher weighting of growth investments. Clients with a lower tolerance for risk can blend this model with other models to achieve a more appropriate risk outcome.
Accumulation: This is a conservative portfolio for investors who do not have an income requirement. There is a low weighting of growth investments, and we buy stocks in this portfolio without regard to the dividend yield.
Income: This is a conservative portfolio for investors who have a preference for income rather than capital gains. There is a very low weighting of growth investments, and stocks in this portfolio are screened for yield.
2. Tactical Foundation
This is a fund for investors with lower balances. It aims to provide investors with an introduction to the benefits of individual share ownership through a separately managed account, whilst still ensuring investors maintain a reasonable share parcel size.
We again make the decision when and what mix to buy of Australian shares, International shares, cash or bonds.
Due to the lower balances though, direct international share ownership is not feasible and so this model achieves this through an individual Australian share portfolio, a selection of International exchange tradedfunds, and defensive holdings in bonds and cash.
3. Shares only portfolios
These are “carve outs” of the Australian or International parts of the above portfolios.
They are a core holding, designed to have exposure to the large capitalisation part of the Australian or International market. Its intended for investors who wish to do their own asset allocation, and can use this fund to get exposure to higher quality and cheaper stocks in the Australian market.
The funds maintain minimal cash balances – i.e. the tactical funds above will reduce share weights when stock markets are expensive or risky, whereas this fund will remain fully invested. It is up to the investor to manage the asset allocation when buying this fund.
However, when it comes to investing the questions become more nuanced and the answers often depend on the individual.
For example, some people like nuclear power for efficiency and carbon reduction benefits. Other people believe the risks to the environment and contamination are too high.
At Nucleus, we don’t dictate the ethics. You choose from 28 different ethical overlays over your portfolio so that we don’t buy stocks that conflict with your beliefs.
For a broader overview of ethical investing, including how much performance will be affected, see our ethical investing blog post and webinar.
Whilst engaging professionals to look after any part of your life is going to cost money, it should not mean the difference between a great and a less than ideal retirement. At Nucleus, we strive to keep costs low by cutting out the many middlemen that reside in most of the current investment options available today.
If you choose to invest with Nucleus there are two fees that are charged:
A management fee paid to Nucleus for making the investment decisions of 0.64%.
A platform fee paid to a 3rd party platform provider (Praemium) not related to Nucleus. This money provides you with custodial services, tax reporting, online access and trading. The fee varies depending upon the amount invested (fully explained in the Product Disclosure Statement), indicatively an investor with $200,000 would pay around 0.44%, an investor with $2m would pay around 0.19%.
Brokerage Costs. We have secured very low-cost brokerage.
Costs are important.
Our mission is to provide a technology-based investment solution that delivers portfolio tailoring, transparency and world-class investment research to our clients whilst sharing the cost efficiencies that come with not needing a branch on every corner.
As an investor with Nucleus, you only pay the costs associated with your account, not for the managed pool as found in other alternatives, and take advantage of the minimised worldwide brokerage and administration costs that come with using a platform that is not owned by a large institution.
When you apply, we provide a full breakdown of the costs for your investment.
In early 2019, research house Independent Investment Research looked at our research processes and performance and rated our Tactical Growth fund “recommended”.
