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QuietGrowth review: Automate your investments

Take the hassle out of investing through pre-made portfolios based on your individual risk tolerance.

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 8 exchange traded funds (ETFs) across 6 asset classes. If you’re an individual, trust or SMSF, you can start investing with as little as $3,000.

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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 is a robo-advice online platform that makes investments across 8 ETFs in 6 different asset classes.

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 offers 5 low- to high-risk portfolios. These vary based on your personal risk tolerance.

Before you sign up with QuietGrowth, you'll be required to answer 8 questions. These will take into consideration factors such as your age and what you would do if the market drops. From here, you will be put into 1 of 5 categories, which the robo-advisor has deemed is your best option.

What you'll own in each portfolio is shown below:

PortfolioAsset classSharesBondsNatural resources
1
  • Shares 33%
  • Bonds 61%
  • Gold: 6%
  • Financials (11.39%)
  • Materials (4.55%)
  • Industrials (2.60%)
  • Health care (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%)
  • Securitised (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%)
  • Securitised (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 does 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-advisor trading platform trade for you rather than make individual trades yourself.
  • ETFs. QuietGrowth selects 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 uses 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 2 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.

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6 Comments

  1. 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?

    • 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

  2. 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.

    • 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

  3. Default Gravatar
    Leigh
    August 30, 2018

    Can you tell me what happens to dividends earned?

    • 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

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