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Hi! We'd like to get some quick info so we can better serve you:

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Simply select your preferred strategy and leave the rest to us

We appreciate that your time and money are valuable and that, for many, frequently managing a portfolio is neither feasible nor desirable. But a busy lifestyle shouldn't exclude you from a fully transparent and high-performing investment experience.

That's where our Separately Managed Accounts (SMA) service can help you achieve your investment goals.

What is a Separately Managed Account and how does it work?

An SMA is an account opened in a client's name where they hold beneficial ownership of all securities within the investment strategy / strategies available which they choose to follow.

The investment manager (Rivkin) then takes care of all trading and other account management necessary to follow the strategies selected – making it easy for investors to follow strategies without the risk of missing a trade or otherwise making a mistake when following our advice.

Using our investment expertise, we have partnered with Mainstream to provide their SMA service with a range of 4 investment strategies to follow with each strategy designed for different investment goals.

Why a Separately Managed Account?

All portfolio management
is taken care of by Rivkin

Save money on brokerage with 
our institutional brokerage rates

No upfront cost management
fees deducted monthly

Separately Managed Account Portfolios

We've constructed 4 different portfolios all designed to achieve different investment goals.

Australian focused growth portfolio

Ideal for investors with a long time horizon looking to invest in Australian stocks and achieve capital growth with a minimal focus on dividends

Smart Growth aims to achieve capital growth with stocks that tend to reinvest earnings back into their businesses rather than paying them out as dividends. 

The strategy is likely to outperform the market during bull markets but may underperform in bear markets. A multi-year time horizon is recommended for this portfolio.

 

Performance Notes: 
1 Based on 15 years of back-testing
2 Net of management and performance fees
3 This is the Beta (β) of the portfolio and measures how volatile the portfolio is relative to the broader market

Defensive portfolio with high dividend yield

Ideal for investors looking to achieve
high dividend yield from Australian stocks

Defensive Income focuses on securities that pay dividends and generally produces an investing outcome that has lower volatility but with a lower return than the growth models.

Much of the dividend income is franked2 which will be available to the investor to offset eligible tax liabilities.

 

Performance Notes: 
1 Based on 15 years of back-testing
2 Net of management and performance fees
3 This is the Beta (β) of the portfolio and measures how volatile the portfolio is relative to the broader market

Growth portfolio holding both Australian & US shares

Ideal for investors looking to invest in Global stocks and achieve capital growth in the portfolio with a minimal focus on dividends.

Global Growth is a blend of both ASX and US growth strategies. The portfolio allows investors to gain exposure to international companies while still retaining an allocation to ASX stocks.

Holding international securities provides diversification4 benefits compared to owning only Australian stocks.

 

Performance Notes: 
1 Based on 15 years of back-testing
2 Net of management and performance fees
3 This is the Beta (β) of the portfolio and measures how volatile the portfolio is relative to the broader market

Low volatility portfolio for preservation of capital

Ideal for investors looking for modest returns with lower risk than the broader stock market 

Capital Stable is a low volatility portfolio that aims to achieve a return of 4% above the Reserve Bank cash rate. 

 

 

Performance Notes: 
1 Based on 15 years of back-testing
2 Net of management and performance fees
3 This is the Beta (β) of the portfolio and measures how volatile the portfolio is relative to the broader market

Perpetual is the Responsible Entity

This means Perpetual has overall responsibility for compliance of the SMA structure

Rivkin has been appointed Investment Manager by Perpetual

This means Rivkin is responsible for all investing related decisions and trading.

Mainstream has been appointed administrator and custodian of the scheme

This means Mainstream is responsible for holding the assets and tracking investor transactions.

Get in touch with us today to discuss your needs

For a free, exploratory consultation, simply enter your details and we'll be in touch within one business day. Our team of dedicated professionals are on standby and ready to help.

Frequently Asked Questions

The minimum investment into this product is $50,000 which can be split across more than one portfolio.
Although we recommend following for the long term to reduce the impact of short term market fluctuations, there is no restriction on when you can redeem your investment.
All fees will automatically be debited from the SMA account. The manager will maintain a sufficient cash balance in the account to cover any necessary fees and charges.
The SMA operates with a custodial arrangement whereby Mainstream holds the securities under its HIN but the investor has beneficial ownership. This means the investor retains most of the rights that a direct holder would have, such as rights to dividends and franking credits5. The main difference is that company correspondence for corporate actions or other events would come through the custodian.
Dividends will be paid automatically into the SMA account. These will be automatically reinvested into the portfolio in the weeks following receipt.
All clients have access to an online portal which will show all relevant information about their investment including portfolio holdings, cash balance and trading activity. Performance over any selected time period can also be viewed.
Mainstream is the administrator and custodian of the SMA product. This means it performs all of the trade reconciliation and other admin tasks necessary to keep track of client accounts. Perpetual is the Responsible Entity of this product which essentially means it is responsible for the overall governance of the product.

Additional resources

Product Disclosure Statement

Please download the product disclosure statement to decide if this product is right for you

Portfolio Whitepaper

Download important information about the SMA product

Application Form

Please fill out and return the application form to start using our SMA service.


Perpetual is the issuer of this product while Mainstream is the administrator and custodian.

1 Based on 15 years of back-testing
2 Net of management and performance fees
3 This is the Beta (β) of the portfolio and measures how volatile the portfolio is relative to the broader market

Footnotes

  1. Franking credits are a type of tax credit that allows Australian companies to pass on tax paid on the company level to share holders. This can enable investors to reduce income tax paid on dividends as the taxes have already been paid at the company level.
  2. Franking credits are a type of tax credit that allows Australian companies to pass on tax paid on the company level to share holders. This can enable investors to reduce income tax paid on dividends as the taxes have already been paid at the company level.
  3. Spreading your investments across multiple industries, instruments and indices in order to reduce portfolio volatility.
  4. Spreading your investments across multiple industries, instruments and indices in order to reduce portfolio volatility.
  5. Franking credits are a type of tax credit that allows Australian companies to pass on tax paid on the company level to share holders. This can enable investors to reduce income tax paid on dividends as the taxes have already been paid at the company level.