Six Park can help experienced investors who need an effective and low-cost way to manage their investments.

 

If you’re an experienced investor, you can benefit from Six Park’s unique combination of human expertise and online automation, saving you time and money.  This short 1-minute video explains the straightforward process of opening your Six Park account and making your first deposit.

Benefits of investing with Six Park

 

Portfolios that are globally diversified in a low-cost mix of asset classes tailored to your risk profile and investment horizon. Our approach is founded on well-established financial principles backed by years of economic research. Find out more about how we invest.

Investments are held in your name (HIN), so you can feel secure and be assured you are always in control.

Our sophisticated online platform allows us to deliver our services at a much lower cost than traditional financial advice. This means you retain as much of your well-earned investment returns as possible.

You can be confident that your investments are being managed with the oversight of some of Australia’s best financial minds. Find out more about the Six Park Investment Advisory Committee.

All that means you get expert guidance and support for vastly less cost, and with better performance, than going through most traditional investment advisory services. Have a look at our performance reports.

We don’t receive compensation from financial institutions to promote or distribute specific products. Our services are highly professional, and we are completely transparent in our approach to reporting and fees.

 

 

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How it works

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Getting started - How does it work? Six Park

Take the free assessment

Take our short online assessment so we can understand your investment goals and how long you plan to invest. We will then recommend an appropriate portfolio for you. You can then choose to take on less/more risk and between our standard or sustainable portfolios.

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Investing - How does it work? Six Park

Fund your account

We set up your accounts, including a cash management and brokerage account. Add money to your cash management account, and when your balance is $2,000 or more, we’ll invest your money in carefully selected exchange-traded funds (ETFs).

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Keeping track - How does it work? Six Park

Grow & track

Grow your investment by regularly adding money to your account, and we’ll provide regular rebalancing, reporting and reviews, which keeps your investments on track and gives you insight into how your investments are performing.

Have questions about Robo-advice or Six Park? Here are some of the most frequently asked questions from experienced investors like you. Some of these investors are now clients!

 

Assessment and recommendation

Your responses to the online assessment help us understand your personal circumstances, financial priorities and tolerance for risk.

We match the responses from the online assessment to an asset allocation strategy using our proprietary evaluation tools.

Your recommended investment portfolio will include a mix of assets – such as Australian and international shares, listed property and fixed income securities – in proportions that reflect your risk profile, financial priorities and your investment time horizon.

If you wish to proceed with our investment recommendation we’ll take you through our simple online account set-up, starting with a formal Statement of Advice, which outlines everything you need to know about our service. 

Then once you’ve approved and funded the Macquarie Cash Management Account (CMA) we set up for you, we invest your money in the carefully selected exchange-traded funds (ETFs) that reflect your recommended investment strategy. Using ETFs allows us to build a highly diversified, low-cost portfolio for you quickly and cost-effectively.

Accounts

No, Six Park takes care of opening all the required accounts for your investment portfolio.

You’ll receive easy-to-follow instructions along the way if you need to supply any documentation.

Investing

Our minimum investment amount is $2,000.

Your account balance will be invested in one of the five types of Six Park investment portfolios – Conservative, Conservative Balanced, Balanced, Balanced Growth or Aggressive Growth.

Each Six Park investment portfolio contains a mix of up to eight different classes of assets – namely Australian shares, hedged and unhedged international shares, emerging market shares, global listed property, global infrastructure, bond/fixed income and high-interest cash deposits.

Each investment portfolio features a carefully selected blend of our preferred exchange-traded funds (ETFs) to provide the optimal risk/return balance for a specific investor profile. The percentage allocated to each ETF depends on a range of factors, including your assessed risk profile and investment goals. Read more about our selected ETFs.

We generally trade accounts of more than $2,000 on a 90-day cycle – on 1 February, 1 May, 1 August and 1 November. These trades are on us!

Outside of that timeframe, there are three main reasons we may trade or rebalance your portfolio:

  • You retake the online assessment, and your risk profile changes as a result;
  • Your investment portfolio’s assets have materially drifted from their target asset allocation, which can happen over time as markets move and specific asset classes outperform or underperform others; or
  • The Six Park Investment Advisory Committee changes your portfolio’s target asset allocation. 

Of course, you can trade more frequently than our standard 90-day cycle; you can use the “invest on demand” feature or set up frequent, automatic trades, all accessible within your Six Park dashboard. Please note that there are set fees if you choose to invest outside our 90-day cycle. 

Portfolios and ETFs

Yes, you can. Each of the five types of Six Park investment portfolios offers standard investment (Six Park Essential) and sustainable investment (Six Park Sustainable). Our sustainable portfolios retain the same growth/defensive asset class profiles as the Six Park Essential portfolios.

Our sustainable portfolios use sustainability-oriented ETFs for exposure to Australian and international equities (both hedged and unhedged). They also omit exposure to emerging markets, as this is an asset class that is more likely to include companies with practices that are at odds with sustainable philosophies. Read more about our sustainable portfolios.

To invest in a sustainable portfolio, simply take our online assessment, which will establish your risk profile and how long you plan to invest. You’ll then receive an investment portfolio recommendation and you can choose between our standard or sustainable portfolios.

No. All of our investment portfolios – and the blend of ETFs within them – have been carefully selected by our Investment Advisory Committee. Each investment portfolio’s target asset allocation represents the application of our team’s investment and asset management experience and has been constructed to optimally match different risk profiles and investment horizons. 

Changing this composition could materially (and perhaps unintentionally) change the risk/return profile of your investment – and is something we do not recommend or support.

There’s nothing to stop you from setting up and managing your own investment portfolio. However, not everyone has the time or expertise to manage an investment portfolio the way it should be managed.

It can be time-consuming and challenging to evaluate all the available investment options, and it can also be pretty difficult to regularly review and rebalance your portfolio as it drifts from your target thresholds. It may also be more expensive to DIY than you realise – you need to buy multiple shares and trade them and rebalance on an ongoing basis, each time incurring fees. Even seasoned professionals typically fail to meet their benchmark index’s performance.

For an affordable fee, Six Park saves you the time and energy it takes to build and maintain a well-diversified investment portfolio. We provide asset allocation guidance, set up your accounts, establish and rebalance your investments, and ensure you remember to check in on your goals and position at least once a year.

Most traditional funds are “actively managed”. This means they focus on trying to “pick winners” (by selecting investments that are expected to outperform) or “time the market” (or try to take advantage of predicted market surges and contractions).

There is a growing body of research – both in Australia and globally – showing that the vast majority of actively managed funds actually fail to outperform their target benchmarks on a consistent and persistent basis. Numerous studies have also shown that investors who try to time the market usually end up with lower returns than those who simply “buy and hold”.

At Six Park, we are strong advocates of passive investing. Rather than trying to beat or time the market, our focus is on providing our clients with exceptionally low-cost, broad-based and globally diversified portfolios. We overlay this approach with an engaged, thoughtful and continuous review of asset allocation and risk management strategies. We believe this approach is the best avenue for creating long-term wealth.

If you have any further questions, look at our full FAQs. You can also email us at [email protected] or call us at 1300 851 779, and we’ll be happy to help you out. 

Please note that Six Park does not give advice about insurance, tax, budgeting or detailed estate planning matters. You should seek professional guidance if you need more holistic advice on these matters.

Get started on the journey to financial freedom by taking our free online assessment.

 

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