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.
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
Shares
Bonds
Natural 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
QuietGrowth selects ETFs based on your risk score and what’s best for you; it doesn’t get compensation from any funds for recommending investors.
No, QuietGrowth has opted for specific ETFs that it believes are the best choice for its users.
No
Yes you can, although each account requires a minimum investment of $2,000
Your funds are held by QuietGrowth’s partner, Saxo Capital Markets (SCM), in a segregated client trust account operated by HSBC Bank Australia. Although client money is pooled together, SCM will not use the funds deposited by one client to meet the loss of another client.
To ensure compliance with Australian Client Money Rules, SCM calculates on a daily basis the value of all the clients’ funds. It then reconciles this with the funds available in the segregated client account.
Electronic funds transfer (ETF) using a BSB and account number provided to you
BPAY using a biller code and reference number provided to you
Direct debit using the form provided for you upon your request
A cheque payable to yourself deposited with QuietGrowth’s brokerage account. Unfortunately, no third party cheques are allowed.
You must withdraw a minimum of $5,000 each time while still maintaining a balance of $2,000. A minimum balance of $2,000 is required if you would like to keep your investment portfolio open.
You can withdraw your funds at any time, though we recommend you refer to the “How much can I withdraw?” section above.
There’s usually a small amount of uninvested cash left in your account for the following reasons:
Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.
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?
$2000 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 for whether your portfolio returns will fully cover your fees. You can see the full list of potential fees listed on the QuietGrowth pricing page, 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.
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.
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