Low balance clients & what we can do for you:

Research from Roy Morgan in 2018 showed that only 9.7% of the Australian population used the services of a financial adviser to help them invest their money. As Australians continue to shift to self-funded retirements, they will increasingly need help to manage this.

The question for financial advisers is how to do that given the increasing regulatory burden and costs of providing advice.

Our digital advice platform is one way of solving this problem. Book a meeting to discuss the best way for your practice to use this with our Adviser Relations Team.

 

 

Ethical tailoring that fits your client’s beliefs

We believe ethical, social and governance are not binary issues, and that your clients should be able to decide which of the issues within this theme they do and don’t want to invest in.

To this end, we offer 29 different ethical, social and governance screens that allow your clients to decide what, and to what extent they don’t want to invest in.

These screens can be applied to both direct and superannuation accounts. 

 

CORE SHARES PORTFOLIOS

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

Through our onboarding portal you can select any of the portfolios or a blend of several, click here to begin customising your portfolio

Features

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

Fees

  • Our investment management fee is 0.64% of your account balance per annum
  • There are additional platform and administration fees which vary with investment size and asset type
  • A full break down of all fees is provided during our onboarding process, and before you make a decision.

Performance

1 Year
6.9%

3 Year
9.7%

Inception
12.0%

Past performance is not an indication of future performance. The above returns are per annum, as of October 31st 2020 and after investment fees (of 0.64%) but before administration fees (variable, available on our client portal and FAQs). Inception returns are per annum from 31 July 2017. You can view our full performance reports here.

Core International Chart

Features

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

Fees

  • Our investment management fee is 0.64% of your account balance per annum
  • There are additional platform and administration fees which vary with investment size and asset type
  • A full break down of all fees is provided during our onboarding process, and before you make a decision.

Performance

1 Year
-4.5%

3 Year
2.9%

Inception
4.4%

Past performance is not an indication of future performance. The above returns are per annum, as of October 31st 2020 and after investment fees (of 0.64%) but before administration fees (variable, available on our client portal and FAQs). Inception returns are per annum from 31 July 2017. You can view our full performance reports here.

Core Australia Chart

CORE SHARES PORTFOLIOS

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

Through our onboarding portal you can select any of the portfolios or a blend of several, click here to begin customising your portfolio

Features

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

Performance

1 Year
6.9%

3 Year
9.7%

Inception
12.0%

Past performance is not an indication of future performance. The above returns are per annum, as of October 31st 2020 and after investment fees (of 0.64%) but before administration fees (variable, available on our client portal and FAQs). Inception returns are per annum from 31 July 2017. You can view our full performance reports here.

Core International Chart

Fees

  • Our investment management fee is 0.64% of your account balance per annum
  • There are additional platform and administration fees which vary with investment size and asset type
  • A full break down of all fees is provided during our onboarding process, and before you make a decision.

Features

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
-4.5%

3 Year
2.9%

Inception
4.4%

Past performance is not an indication of future performance. The above returns are per annum, as of October 31st 2020 and after investment fees (of 0.64%) but before administration fees (variable, available on our client portal and FAQs). Inception returns are per annum from 31 July 2017. You can view our full performance reports here.

Core Australia Chart

Fees

  • Our investment management fee is 0.64% of your account balance per annum
  • There are additional platform and administration fees which vary with investment size and asset type
  • A full break down of all fees is provided during our onboarding process, and before you make a decision.

Shelley George headshot


Shelley George

Adviser Relations

I have extensive experience in finance, having spent the last 10 years dealing in global multi-asset markets and researching Australian small capitalisation equites. I also have a Bachelor of Commerce (Finance and Econometrics) and am a CFA® charterholder.

I was drawn to this role because I think Damien Klassen, Head of Investments, and Tim Fuller, Head of Operations, have built an incredible product in the way they have used technology and social media to allow clients access and tailoring that is greater than what most institutional investors have. And backed that up with what really matters: a fantastic investment process. 

With my skills in problem solving and project management I can assist you and your clients through the investment and administrative challenges that COVID-19 and the implementation of FASEA present. 

Outside work I love being active and outside. Camping, hiking, running and pilates are a few of my favourites. 

 

More Information:

Portfolio Information

1. Tactical Funds 

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 traded funds, 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.

 

For more information, click here for our product page.

Transparency

At Nucleus, we are dedicated to transparency. We want you to be able to see exactly where your money is invested and why.

We offer a range of transparency options:

 

A company profile on each company you own showing where it sits on our metrics and why it is in your portfolio
Detailed dashboards showing how your portfolio is positioned
24×7 access to performance and fee data  
A weekly podcast/webinar where you can ask questions 
We write up a detailed performance report each month, with a focus on current positioning and what we expect from markets
We also write blog posts frequently about markets 
You are welcome to call us or book a meeting if you have any questions not answered by the above.

Fee Information

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 three 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 0.50%, an investor with $2m would pay around 0.30%.
  • 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.

 

How we “called the crash” and made the move to protect client capital

This performance is no accident. We’ve been following COVID-19 and the potential market impacts intently since there were only a few hundred cases in China during early January.

This resulted in Head of Investments Damien Klassen being featured in a Fund Manager Q&A with Livewire Markets focused on Nucleus “Calling the crash” in January when there were just 400 cases. Livewire note what’s happened since:

“In just 9 weeks, those 400 cases have exploded to over 400,000 cases and nearly 20,000 deaths globally, leading to economic disruptions that have decimated markets worldwide and unleashed extreme levels of volatility”

Stay in contact

 

 

 

Speak to someone

  • Give us a call on 1300 623 863
  • Book a call with a financial planner

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