Investment – WealthCircles Financial Pty Ltd

WCF Portfolio Management Service

Our Vision

Automated Investment Management (with human oversight) that delivers consistent returns for a given level of overall risk.

Simple And Effective

Consisting of 100% ASX-listed securities, both individual Australian companies and diversified ETFs, our portfolio's have consistently outperformed the market, which means higher returns for our client's.

Our Objective

Out-perform the related portfolio benchmark index in absolute returns after all fees, over the financial year.

Benchmarks And Risk Profiles

Our model portfolios are benchmarked against industry standard, multi-asset indexes and are based on 5 levels of risk - from Cautious to Aggressive.

Our Strategy

With over 30+ years experience in the financial markets, we employ a value driven selection criteria, overlaid with a proven cycle analysis methodology to ensure we buy good value at the right time.

Results Speak For Themselves

Using our stock selection and chart pattern system, we have consistently out-performed our benchmark indexes since inception. Whether you're looking for high growth over the longer term, or security and income in your retirement, we can structure a portfolio to suit your needs.

WCF manages Australian share portfolios for Individuals, Corporates and Self Managed Super Funds. Our unique approach draws on a well-researched and proven set of investment selection criteria and asset allocation models to create a range of model portfolios designed to outperform the market over the long term, while actively minimising risk. Along with the backing of a risk-centric AFS Licensee that oversees our investment activities, and using an industry award winning investment platform, you are assured of complete transparency and a high performance portfolio managed by professionals with a proven track record.

Our Performance

Our performance is measured by our model portfolios. These are hypothetical models that reflect the ideal balance of each asset class and constituent holding in each class based on the related risk profile. The returns published below are indicative only and actual client portfolio’s will differ due to the timing of investments and fees.

Pricing

Fees are charged monthly in arrears, except transaction fees which are charged at the time of any buys or sells of securities within your portfolio.

Our fee structure reflects our automated systems of wealth management and we believe is relatively inexpensive when compared to other “full service” financial planning providers.

Portfolio Management Fee

Calculated on the average funds under management over the previous 12 months (charged monthly).

For balances over $50,000 – 0.50% per annum – applied monthly.
For balances under $50,000 – 1.00% per annum – applied monthly.

Transaction Fees

Based on total funds under management as follows:

Under $50,000 – $25 or 0.11%, whichever is higher (base CommSec brokerage fee)
$50,000 up to $199,999 – $50 up to $5,000, then 1.00%
$200,000 up to $499,999 – $35 up to $5,000, then 0.70%
$500,000 or more – $25 up to $5,000, then 0.50%

Performance Fee

We aim to out-perform the related portfolio’s benchmark index (listed below)return over the current finanial year. The relevant benchmark indexes are as follows:

* Published monthly by Lonsec Research Pty Ltd

A performance fee of 20% is applied to any amount above the related FYTD benchmark return. This calculation is performed monthly (based on the accumulating FYTD return) and if applicable the fee will be applied within the first week of the following month. Any under-performance (or negative performance) compared to the benchmark is carried forward to subsequent months to be made up by future returns before a valid fee will be applied. Please see Terms and Conditions in the Investor Brochure for more detail.

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WCF Risk Profile	FE Benchmark	Growth Allocation	FE Definition
Defensive	FE UT PG Multi-Asset Cautious Index	Maximum 20% growth	Funds which invest a maximum of 20% of assets within Equities and the remainder in a combination of Fixed Interest Securities, Property, Hedge funds and Structured Products and ETFs.
Conservative	FE UT PG Multi-Asset Moderate Index	Maximum 40% growth	Funds which invest a maximum of 40% of assets within Equities and the remainder in a combination of Fixed Interest Securities, Property, Hedge funds and Structured Products and ETFs.
Balanced	FE UT PG Multi-Asset Balanced Index	Maximum 60% growth	Funds which invest a maximum of 60% of assets within Equities and the remainder in a combination of Fixed Interest Securities, Property, Hedge funds and Structured Products and ETFs.
Growth	FE UT PG Multi-Asset Growth Index	Minimum 60% growth	Funds which invest a minimum of 60% of assets within Equities and the remainder in a combination of Fixed Interest Securities, Property, Hedge funds and Structured Products and ETFs.
High Growth	FE UT PG Multi-Asset Aggressive Index	Minimum 80% growth	Funds which invest a minimum of 80% of assets within Equities and the remainder in a combination of Fixed Interest Securities, Property, Hedge funds and Structured Products and ETFs.