Good to know.

Because choice is the number one thing that stops people from investing at all. We did the research once, built one sensible portfolio, and every member gets the same one. Less decision fatigue, more time in the market.

Simply: half Australian companies, half US companies. Detailed: A 50/50 mix of VAS (an ASX 300 index fund) and IHVV (a currency-hedged S&P 500 index fund). This allows diversified exposure to both markets

Investing always carries risk — the value of your account can go down as well as up, especially in the short term. We keep costs low, avoid anything exotic, and never hold your money in anything we wouldn't explain in one sentence.

No, there are many other great companies that offer Superannuation solutions, and we are not one of them

That's great! There are so many great resources out there to learn about those and invest with them. However our goal is simple investing for people who don't have the time or desire to learn about those things, but still want to invest responsibly

We just want Australians to invest responsibly, and to improve the wealth of all Australians. We charge only what it costs us to run the platform.

Yes, whenever you like. Withdrawals aren't instant (your investments need to be sold first), and withdrawing early comes with a fee: 2% within 2 years, 1% within 2–5 years, and nothing at all after 5 years. We want you investing for the long run, not the short one.

The minimum amount to purchase a unit of our investment, which is shown on the home page. This changes over time, but is currently around $200. Any less and this will sit in your account in cash until it reaches the amount to purchase a unit.

An index fund doesn't try to pick winning companies — it just buys a little bit of all of them. Instead of betting on one or two stocks, you own a slice of the whole market, which is why index funds are cheap, boring, and (over the long run) hard to beat.

Compounding just means your returns start earning their own returns. $100 invested today isn't just $100 growing — it's every dollar it earns also going on to earn more. The earlier money goes in, the longer it has to snowball, which is why time in the market usually matters more than the amount you start with.

When you own US shares, the AUD/USD exchange rate moves your return around, on top of how the shares actually perform. 'Currency-hedged' means that effect is mostly cancelled out, so your return tracks the US market itself — not the currency market alongside it.

Ideally nothing. Markets fall, sometimes sharply, and it always feels like news when it's happening to you. Selling after a drop locks in the loss; staying invested gives it room to recover, which is what diversified markets have historically done over long enough periods. The plan is boring on purpose.

A 1% annual fee sounds tiny, but fees compound too — against you. Over 30 years, the difference between a 0.5% and a 1.5% fee can be tens of thousands of dollars on the same contributions. It's the one part of investing you can control completely, which is why we publish ours in full.