Every journey starts with a single step.

Our self-directed investment service
AP Direct Invest is a self-directed online investment service for those looking to control their own investment decisions, whilst utilising the expertise of the Alman Partners’ Investment Committee model portfolios. With extensive experience managing investments and access to global leading market research, we bring the world of investing to your door.

Choose from 6 low-cost investment portfolios that utilise a range of Exchange-Traded Funds (ETFs), designed to capture market returns in a broadly diversified manner. 2 of these portfolios are designed with environmental, social and governance (ESG) filters. Our portfolios are ideal for all; whether you are looking to begin your investment journey, invest in your future or your children’s, or manage your investment journey whilst capturing a fair rate of return.

Our approach is evidence-based. We do not pick stocks or try to time markets. Rather our recommendations are based on Nobel-Prize winning academic research, not speculation or forecasts. This ensures your portfolio is optimised to capture market returns, giving you confidence in your investments.

How It Works

Determine the most suited model portfolio for you
and your investment needs by reviewing the options below.

Click on Start Investing to open your account.

Read the associated Product Disclosure Statement
(PDS) to ensure you understand the product.


Minimum investment: $5,000.

Portfolios

Select the investment model portfolio that suits your investment needs.

AP High Growth

Investment Objective
The portfolio seeks to maximise long term capital growth opportunities with income distributions being of secondary consequence.

Typical Investor
In general, this portfolio is designed for investor with a long-term investment time horizon of at least 7 years, seeking high levels of capital growth, prepared to accept short to medium-term volatility, and who wish to outsource the construction and management of their underlying portfolio holdings.

Investment Strategy and Approach
The investment strategy centres on a strategic asset allocation approach, built on low-cost ETF’s designed to capture market returns in a broadly diversified manner, with specific tilts incorporated to target higher expected returns. The portfolio will include limited holdings in cash and listed Australian property with the majority of exposures focused on equities, both Australian and international.

The portfolio targets a 10-year annualised gross return of 9% with an expected negative return occurring on average once every 5 years. Alman Partners investment committee monitors the portfolio within set tolerance bands for each underlying investment and it may rebalance the portfolio from time to time.

Recommended minimum investment $5,000
Indicative number of holdings 6 to 10
Asset allocation ranges (%)
Asset type
Cash
Australian Shares
International Shares
Australian Property
International Property
Australian Fixed Interest
International Fixed Interest
Alternatives
Other
Minimum
0%
50%
20%
0%
0%
0%
0%
0%
0%
Maximum
5%
70%
40%
15%
0%
5%
0%
0%
0%
Management Fee (per annum)
Indirect Cost (per annum)
0.85%
0.23%
Total 1.08%

AP Growth

Investment Objective
The portfolio seeks to maximise long term capital growth opportunities by investing in growth assets with a moderate allocation to defensive cash/fixed interest assets.

Typical Investor
In general, this portfolio is designed for investors with a long-term investment time horizon of at least 7 years, seeking high levels of capital growth, and prepared to accept short to medium-term volatility, and who wish to outsource the construction and management of their underlying portfolio holdings.

Investment Strategy and Approach
The investment strategy centres on a strategic asset allocation approach, built on low-cost ETF’s designed to capture market returns in a broadly diversified manner, with specific tilts incorporated to target higher expected returns. The portfolio will include a moderate exposure to cash/fixed interest and listed Australian property, with the majority of exposure focused on equities, both Australian and international.

The portfolio targets a 10-year annualised gross return of 8.8% with an expected negative return occurring on average once every 5 – 7 years. Alman Partners investment committee monitors the portfolio within set tolerance bands for each underlying investment and it may rebalance the portfolio from time to time.

Recommended minimum investment $5,000
Indicative number of holdings 6 to 10
Asset allocation ranges (%)
Asset type
Cash
Australian Shares
International Shares
Australian Property
International Property
Australian Fixed Interest
International Fixed Interest
Alternatives
Other
Minimum
0%
40%
20%
0%
0%
0%
10%
0%
0%
Maximum
5%
60%
30%
10%
0%
0%
20%
0%
0%
Management Fee (per annum)
Indirect Cost (per annum)
0.85%
0.22%
Total 1.07%

AP Balanced

Investment Objective
The portfolio seeks to maximise medium to long term capital growth opportunities by investing in growth assets with a moderate allocation to defensive cash/fixed interest assets.

Typical Investor
In general, this portfolio is designed for investors with a medium-term investment time horizon of at least 5 years, seeking moderate levels of capital growth with some income assets, and prepared to accept moderately high short to medium-term volatility, and who wish to outsource the construction and management of their underlying portfolio holdings.

Investment Strategy and Approach
The investment strategy centres on a strategic asset allocation approach, built on low-cost ETF’s designed to capture market returns in a broadly diversified manner, with specific tilts incorporated to target higher expected returns. The portfolio will be diversified primarily across equities, both Australian and international, with moderate exposure to cash/fixed interest and listed Australian property.

The portfolio targets a 10-year annualised gross return of 8.2% with an expected negative return occurring on average once every 5 – 7 years. Alman Partners investment committee monitors the portfolio within set tolerance bands for each underlying investment and it may rebalance the portfolio from time to time.

Recommended minimum investment $5,000
Indicative number of holdings 6 to 10
Asset allocation ranges (%)
Asset type
Cash
Australian Shares
International Shares
Australian Property
International Property
Australian Fixed Interest
International Fixed Interest
Alternatives
Other
Minimum
0%
35%
15%
0%
0%
10%
10%
0%
0%
Maximum
5%
45%
25%
10%
0%
20%
20%
0%
0%
Management Fee (per annum)
Indirect Cost (per annum)
0.85%
0.21%
Total 1.06%

AP Moderately Conservative

Investment Objective
The portfolio provides a mixed exposure between income and capital growth opportunities but is more weighted towards consistent income distribution.

Typical Investor
The portfolio is designed for investors with a medium-term investment time horizon of at least 3 to 5 years, seeking moderate levels of income and capital growth, and prepared to accept short to moderate volatility, and who wish to outsource the construction and management of their underlying portfolio holdings.

Investment Strategy and Approach
The investment strategy centres on a strategic asset allocation approach, built on low-cost ETF’s designed to capture market returns in a broadly diversified manner, with specific tilts incorporated to target higher levels of income. The portfolio will be diversified across Australian Equities, International Equities, Property, High Yield Income Securities, Income Securities and Cash.

The portfolio targets a 10-year annualised gross return of 6.4% with an expected negative return occurring on average once every 7 years. Alman Partners investment committee monitors the portfolio within set tolerance bands for each underlying investment and it may rebalance the portfolio from time to time.

Recommended minimum investment $5,000
Indicative number of holdings 6 to 10
Asset allocation ranges (%)
Asset type
Cash
Australian Shares
International Shares
Australian Property
International Property
Australian Fixed Interest
International Fixed Interest
Alternatives
Other
Minimum
0%
25%
10%
0%
0%
35%
5%
0%
0%
Maximum
5%
35%
20%
10%
0%
45%
15%
0%
0%
Management Fee (per annum)
Indirect Cost (per annum)
0.85%
0.21%
Total 1.06%

AP ESG High Growth

Investment Objective
The portfolio seeks to maximise long term capital growth opportunities with income distributions being of secondary consequence. The investment managers seek to eliminate exposure to controversial business activities and prioritise investing in companies that embrace high environmental, social and governance (ESG) standards.

Typical Investors
In general, this portfolio is designed for investor seeking high levels of capital growth, prepared to accept short to medium-term volatility, and who wish to combine traditional investment approaches with environmental, social and governance insights. The portfolio has a long-term investment time horizon of at least 7 years.

Investment Strategy and Approach
The investment strategy centres on a strategic asset allocation approach, built on low-cost ETF’s designed to capture market returns in a broadly diversified manner. The portfolio will include limited holdings in cash and listed Australian property with the majority of exposures focused on equities, both Australian and international. Exposure is adjusted to take into account certain environmental and sustainability impacts and social considerations.

The portfolio targets a 10-year annualised gross return of 9% with an expected negative return occurring on average once every 5 years. Alman Partners investment committee monitors the portfolio within set tolerance bands for each underlying investment and it may rebalance the portfolio from time to time.

Recommended minimum investment $5,000
Indicative number of holdings 5 to 10
Asset allocation ranges (%)
Asset type
Cash
Australian Shares
International Shares
Australian Property
International Property
Australian Fixed Interest
International Fixed Interest
Alternatives
Other
Minimum
0%
30%
50%
0%
0%
0%
0%
0%
0%
Maximum
5%
50%
60%
0%
0%
0%
0%
0%
0%
Management Fee (per annum)
Indirect Cost (per annum)
0.85%
0.32%
Total 1.17%

AP ESG Balanced

Investment Objective
The portfolio seeks to maximise medium to long term capital growth opportunities by investing in growth assets with a moderate allocation to defensive cash/fixed interest assets. The investment managers seek to eliminate exposure to controversial business activities and prioritise investing in companies that embrace high environmental, social and governance (ESG) standards.

Typical Investors
In general, this portfolio is designed for investor with a investment time horizon of at least 7 years, are seeking moderate levels of capital growth with some income assets, are prepared to accept moderately high short to medium- term volatility, who wish to combine traditional investment approaches with environmental, social and governance insights and outsource the construction and management of their underlying portfolio holdings.

Investment Strategy and Approach
The investment strategy centres on a strategic asset allocation approach, built on low-cost ETF’s designed to capture market returns in a broadly diversified manner. The portfolio will include moderate holdings in cash/fixed interest and listed Australian property with the majority of exposures focused on equities, both Australian and international. Exposure is adjusted to take into account certain environmental and sustainability impacts and social considerations.

The portfolio targets a 10-year annualised gross return of 8.2% with an expected negative return occurring on average once every 5 to 7 years. Alman Partners investment committee monitors the portfolio within set tolerance bands for each underlying investment and it may rebalance the portfolio from time to time.

Recommended minimum investment $5,000
Indicative number of holdings 6 to 10
Asset allocation ranges (%)
Asset type
Cash
Australian Shares
International Shares
Australian Property
International Property
Australian Fixed Interest
International Fixed Interest
Alternatives
Other
Minimum
0%
25%
30%
0%
0%
0%
25%
0%
0%
Maximum
5%
35%
45%
0%
0%
0%
35%
0%
0%
Management Fee (per annum)
Indirect Cost (per annum)
0.85%
0.29%
Total 1.14%

The AP Direct Invest platform is designed for self-directed investors and does not include any personalised advice.

If you feel your circumstances need full-service financial planning and ongoing support, head to Alman Partners’ Service Overview to learn more about our available offerings.

AP Direct Invest Pty Ltd: Financial Services Guide (FSG)

AP Direct Invest Pty Ltd is a Corporate Authorised Representative (001295396) of Alman Partners Pty Ltd (AFSL: 222107)

Disclaimer:
OpenInvest Limited (ACN 614 587 183 AFSL 504 155) has appointed Alman Partners Pty Ltd (AFSL 222107) as the portfolio manager for various model portfolios it is the responsible entity for. Alman Partners Pty Ltd has prepared this website for general information purposes only. It does not contain investment recommendations nor provide investment advice as to the suitability of the financial product to meet your needs or objectives. We strongly encourage you to obtain professional advice from an accredited financial adviser authorised to provide you with personal financial advice to determine the suitability of the financial product for you.

A Product Disclosure Statement (PDS) issued by OpenInvest Limited can be obtained via the OpenWealth service by clicking on the Start Investing link that appears above. You should read the PDS prior to investing as it contains information that will assist you in deciding whether the service is suitable for you and which of the model portfolios is suitable for you. A summary of the six portfolios that are available is provided above. You should refer to the PDS to decide which option may be suitable to your needs and objectives.

To find out more information about Alman Partners Pty Ltd, see above links.
Please see our Privacy Policy that describes how we collect and deal with information on persons visiting this website.

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