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QuietGrowth review: Automate your investments

Choose from five ETF portfolios holding shares, bonds and gold.

QuietGrowth is a robo advice platform that automatically invests your money to match your risk profile and investment goals.

Each QuietGrowth investment portfolio gives you access to a stake in eight Exchange Traded Funds (ETFs) across six asset classes. If you’re an individual, trust or SMSF, you can start investing with as little as $2,000.

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Shirley Liu
Last Updated

ETFs

Investment product

$3000

Minimum Investment

5

Number of Portfolios

From $0 /year

Fees

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What asset classes can I invest in?

QuietGrowth selects ETF investments in the following asset classes:

  • Australian Shares
  • International Developed Market Shares
  • International Emerging Market Shares
  • Dividend Shares
  • Bonds
  • Natural Resources

How many portfolios does QuietGrowth offer?

QuietGrowth offer five low to high risk portfolios. The robo adviser diversifies your investment by buying a stake in eight ETFs across six asset classes.

Portfolio Asset Class SharesBondsNatural Resources
1
  • Shares 33%
  • Bonds 61%
  • Gold: 6%
  • Financials (11.39%)
  • Materials (4.55%)
  • Industrials (2.60%)
  • Healthcare (1.75%)
  • Energy (1.23%)
  • Utilities (1.47%)
  • Information Technology (1.81%)
  • Telecommunications (2.48%)
  • Consumer (5.72%)
  • Treasury (28.12%)
  • Gov-Related (25.99%)
  • Corporate (5.79%)
  • Securitised (1.04%)
  • Gold (6.00%)
2
  • Shares 53%
  • Bonds 42%
  • Gold: 5%
  • Financials (19.05%)
  • Materials (5.89%)
  • Industrials (4.70%)
  • Health Care (3.73%)
  • Energy (2.45%)
  • Utilities (1.85%)
  • Information Technology (3.30%)
  • Telecommunications (3.22%)
  • Consumer (8.81%)
  • Treasury (19.36%)
  • Gov-Related (17.89%)
  • Corporate (3.99%)
  • Securitized (0.71%)
  • Gold (5.00%)
3
  • Shares 69%
  • Bonds 27%
  • Gold: 4%
  • Financials (24.32%)
  • Materials (7.26%)
  • Industrials (6.14%)
  • Health Care (4.73%)
  • Energy (3.48%)
  • Utilities (2.40%)
  • Information Technology (4.80%)
  • Telecommunications (4.25%)
  • Consumer (11.62%)
  • Treasury (12.45%)
  • Gov-Related (11.50%)
  • Corporate (2.56%)
  • Securitised (0.46%)
  • Gold (4.00%)
4
  • Shares 82%
  • Bonds 14%
  • Gold: 4%
  • Financials (28.01%)
  • Materials (8.00%)
  • Industrials (7.43%)
  • Health Care (5.95%)
  • Energy (4.41%)
  • Utilities (2.84%)
  • Information Technology (6.22%)
  • Telecommunications (4.90%)
  • Consumer (14.22%)
  • Treasury (6.45%)
  • Gov-Related (5.96%)
  • Corporate (1.33%)
  • Securitised (0.24%)
  • Gold (4.00%)
5
  • Shares 91%
  • Bonds 5%
  • Gold: 4%
  • Financials (30.06%)
  • Materials (8.27%)
  • Industrials (8.28%)
  • Health Care (6.34%)
  • Energy (5.25%)
  • Utilities (3.18%)
  • Information Technology (8.03%)
  • Telecommunications (5.49%)
  • Consumer (16.08%)
  • Treasury (2.31%)
  • Gov-Related (2.13%)
  • Corporate (0.47%)
  • Securitized (0.09%)
  • Gold (4.00%)

Information adapted from QuietGrowth.

You can allocate segments of your savings for different risk profiles, for example a medium risk profile investment to build wealth for future tuition or a high risk profile for a comfortable retirement.

What fees does QuietGrowth charge?

QuietGrowth do not charge brokerage, advisory, platform registration or contract fees. However, it does charge an annual fee for the use of the automated trading platform which is calculated annually and deducted from your Trading Account each month. QuietGrowth offers a stepped fee structure.

  • Balances $3,000 to $10,000 : 0%/yr
  • Balances $10,001 to $30,000 : 0.6%/yr
  • Balances $30,001 to$200,000 : 0.5%/yr
  • Balances $200,001+ : 0.4%/yr

What are the benefits of using QuietGrowth?

  • Save time. QuietGrowth can save you time by making investment decisions on your behalf. The less time you spend poring over charts and data, the more time you have for other forms of wealth creation.
  • Save money. QuietGrowth has a stepped fee structure. If you have less than $10,000 in assets under management, it can be cost effective to let a robo-advice trading platform trade for you rather than make individual trades yourself.
  • ETFs. QuietGrowth select ETFs in different asset classes based on your risk profile. Investing in ETFs is a low cost and simple way to gain exposure to an asset class and benchmark returns.
  • Risk profile. QuietGrowth use the Modern Portfolio Theory investment methodology. The company makes an estimate about your level of liquidity in retirement and asks you questions about your risk appetite to determine your current risk tolerance and subsequent exposure to equity ETFs.
  • Save on fees. The QuietGrowth Invite Program gives you a chance to save by waiving the annual fee on $5,000 of your and a friend’s account balances when you invite a friend to QuietGrowth.
  • Mobile application. QuietGrowth was the first robo advisor to launch a mobile app so that you can monitor your investments, update your statement of advice and get the latest news anywhere, anytime.

How do I get started with QuietGrowth?

Individuals, SMSFs and Trusts can trade using QuietGrowth. You will first need to pick the type of account you want (individual or SMSF, etc) and then provide the following information to determine your risk profile:

  • Your annual income
  • Your annual savings and your liabilities
  • The current value of your liquid assets and non-liquid assets
  • An estimate of whether your savings will increase or decrease in the future and what you would do if your value were to lose 15% in two weeks

Once you have your investment plan, you’re asked to complete your profile by entering personal details and contact information such as your email address, residential address, date of birth, mobile phone number and tax file number. You’ll need to confirm your email address, verify your identity and sign the QuietGrowth investment contracts before you can start investing.

Your questions about QuietGrowth answered

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6 Comments

    Default Gravatar
    KB
    October 18, 2018

    I’m looking to start investment with $2000, how long usually it takes to reach $10,000 (using historical data). Also, can I avoid interest and just rely on profits made out of investment?

    Reply
      Avatarfinder Customer Care
      Jeni
      October 26, 2018

      Hi KB,

      Thank you for getting in touch with Finder.

      $2,000 is the minimum to start investing with QuietGrowth and is a good place to start if you’re still getting your head around how your selected portfolio performs. Unfortunately, we can’t give you timelines because past performance can never be used to judge potential future returns.

      The same applies to whether your portfolio returns will fully cover your fees. You can see the full list of potential fees listed on the QuietGrowth pricing page on their website, but as explained above, future returns are still variable.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
    Default Gravatar
    Tumy
    October 7, 2018

    What if I don’t have any income but let say I have savings worth $2000, can I still invest?

    Thank you for your answer.

    Reply
      Avatarfinder Customer Care
      Jeni
      October 11, 2018

      Hi Tumy,

      Thank you for getting in touch with finder.

      That is fine since the minimum initial investment in a QuietGrowth portfolio is $2,000.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
    Default Gravatar
    Leigh
    August 30, 2018

    Can you tell me what happens to dividends earned?

    Reply
      Avatarfinder Customer Care
      Joshua
      August 30, 2018

      Hi Leigh,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Generally, by default, the dividend you earn will be reinvested towards the purchase of ETFs, after sufficient cash is accumulated to execute a buy trade.

      However, you also have the option to withdraw the dividend amount that you earn. To do this, you need to let QuietGrowth know about your plan. They will then stop reinvesting the dividends and thus enabling you to withdraw some cash. Please note that there’s a minimum withdrawal limit that you need to reach before you can withdraw your dividend.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

      Reply
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