We offer a choice of funds, tailored to suit different investment styles.
New to investing? Let's break down investment styles.
Understanding what investing means to you will help determine the right fund for your goal. To make this easy, we've broken down investment styles into three types.
Not sure what your investment style is? Our Investment Style Selector can assist with this.
The Managed Fund product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited.
A defensive/conservative investment style aims to achieve capital stability that provides regular income.
A balanced/moderate investment style aims to achieve capital growth but with less volatility.
- Starting a new business
- Buying an investment property
- Children's education
60% growth assets
A growth/high growth investment style looks to achieve capital growth over the long-term.
- Children's education
- Building wealth outside of super
80% growth assets
Investing in a managed fund can be a great way to build wealth and you don’t need a fortune to get started.
So, what is a managed fund?
Put simply, it’s a professional managed investment portfolio where your money is pooled together with other investors to buy and sell assets on your behalf.
It allows you to invest in different types of financial assets that may not be available to individual investors.
Each investor will buy into a fund at a particular unit price.
This means that if Tom has 10,000 dollars to invest in a managed fund and the application price at the time was 2 dollars per unit, Tom would receive 5,000 units within the fund.
Although the number of units he owns will remain constant the unit price will change according to changes in the market value of the portfolio or the total number of units issued for the fund.
After taking fees and costs into account, in this example, Tom and all other investors, would see an increase in their investment capital and will also receive the benefit of any income earned in the fund.
This income is paid to them in the form of a distribution.
With this in mind, managed funds come in many shapes and sizes, and each will have a unique investment strategy.
This means that you can choose a fund that suits you and your financial goals.
For example, you can choose funds that invest in only one type of investment, or funds that invest across a range of assets.
Different funds will also carry different levels of risk, which means you can choose a fund depending on the level of risk you’re comfortable with.
Lower risk investments will usually focus on generating income, and medium to high risk investments will focus on capital growth as well as income.
In most cases you can also add to your investment at any time, and reinvest any income earned back into the fund.
The choice is yours, but how do you know what type of managed fund to choose?
The right type for you will always depend on your financial objectives, time frame and your appetite for risk.
If you have questions or would like to learn more about managed funds why not speak with a financial planner. They can take you through your options and point you in the right direction to securing your financial future and achieving your goals.
To find out more, head to bendigobank.com.au/personal/financial-advice.
Issued by Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst), a subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 (the Bank). Both these companies receive remuneration on the issue of these products or the service they provide, full details of which are contained in the relevant Product Disclosure Statement (PDS). Investments in these products are not deposits with, guaranteed by, or liabilities of the Bank or any of its related entities. This video contains general advice only. You should consider your situation and read the relevant PDS, available at bendigobank.com.au/personal/investing/managed-funds before making an investment decision.
You've got a goal? A managed fund can help you reach it.
Cash and Income funds
Funds that invest across a range of asset classes but with a significant portion in defensive assets such as fixed interest investments and cash. These types of funds aim to provide regular income.
Risk - Low - Med
Income - Moderate
Minimum initial investment amount - $1,000 - $2,000
A diversified fund provides a diversified investment across varying market sectors including shares, property and fixed interest. It lowers overall risk because generally some asset classes will perform relatively better than others in varying market conditions.
Risk - Low - High
Income - Moderate with capital growth
Minimum initial investment amount - $500 - $5,000
An Australian share fund provides an investor access to the Australian share market by investing in a portfolio of ASX listed shares actively managed by a team of expert investment managers.
Risk - High
Income - High
Minimum initial investment amount - $2,000 - $50,000
Socially responsible funds
Socially responsible investing is about considering factors that are important to you when deciding where to invest your money. These might be environmental, social, corporate governance and/or ethical factors, in addition to financial return.
Risk - Med - High
Income - High
Minimum initial investment amount - $5,000
Investing over $50,000
Investing over $50,000 gives you access to Funds with lower management costs.
Not sure where to start?
Our Education HUB has information on where to start with Managed Funds, explaining risk vs return and other investing fundamentals. If you're not sure where to start, start here.
Need to talk to us?
Things you should know
Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Sandhurst is the responsible entity and issuer of the managed funds available on this website. Additionally, Sandhurst is the issuer of commercial lending products and the provider of traditional trustee services available on this website. Each of these companies receives remuneration on the issue of the product or service they provide. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank nor any of its related entities, and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested.
Information on the website is jointly prepared by Sandhurst and Bendigo and Adelaide Bank and subject to change without notice. Advice in relation to managed funds and commercial lending products is provided by Sandhurst. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.
The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.
Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products and services offered by the site owner.
*Based on new applications received between 1July 22 – Aug 23.