Frequently Asked Questions

A managed fund is an investment that combines a group of financial assets into one fund. The investment can include assets such as other managed funds, equities (shares), property trusts, infrastructure investments, bonds and cash. It's a ready-made portfolio which makes it simple to manage because you benefit from a diversified, well-researched portfolio in just one holding.

Building a diversified investment portfolio on your own can be complicated and time-consuming. You'll need to find the right assets and then combine them to manage risk and return. CPM brings together the expertise of specialists to research and manages the portfolio for you. This gives you more time to do the things in life that are important to you. Plus, it reduces the stress you may experience from following the markets and worrying about your investments.

A CPM portfolio can be used as a core part of your overall investment portfolio. Or it can be used as an entire solution, depending on your goals, timeframe, and how you feel about risk.

Our portfolios are suitable for individual and couples. You can use them as part of your superannuation, on top of super or as an investment for your children or grandchildren. Maybe you've just started out with investing. If that's the case, our portfolios are a great way to invest regularly and build a quality, long-term investment asset. 

At CPM, we offer two investment portfolios: 

• the DMG Diversified Portfolio (DMGDP) and 

• the Clearwater Dynamic Portfolio (CDP). 

Both portfolios are fully customised solutions with different asset allocations and approaches to managing risk and returns.

The DMGDP and CDP are both made up of high-quality, well-researched financial assets, with some distinct differences. 

The DMGDP has what is called a growth allocation, which limits losses when the financial markets experience a significant drop. This fund aims to deliver annual returns of 4% above the cash rate, after the deduction of fees. And it has already proven that it can significantly reduce risk.

The CDP is for you if you're ready to take on a higher level of risk because you're looking for higher returns. This means that the fund will experience levels of volatility closer to that of share markets. 

As our DMGDP provides a lower level of risk, it consists of 70% allocated to growth assets, and 30% to defensive assets. The CDP, in contrast, is focused on delivering higher returns at a higher risk level. Therefore, it targets holding 90% in growth assets and only 10% in defensive assets.

We invest in a wide variety of assets. There will always be a core that remains constant and other classes that we use from time-to-time and hold at different levels. 

Investment areas include:

• Australian large and small companies

• International large and small companies

• Healthcare property

• Companies in emerging markets

• Infrastructure assets

• Government bonds

• Company bonds

We believe in using the skills of investment managers who specialise in specific areas such as overseas shares, infrastructure or emerging markets. 

Getting direct exposure to these markets or investments is not always practical or cost-effective. That's why a specialist manager is a better option. They spend all of their time and resources in their area of specialisation, gaining a level of knowledge and expertise that an individual can't match. 

We research the best specialist managers. Then we allocate the part of the investment portfolio we believe is best to each manager so that we can achieve the best returns for our investors.

You can start investing in our portfolios with as little as $1,000 and contribute a regular monthly payment of anything more than $100 per month. 

You can either invest directly with us or through your financial planner. Feel free to ask them to get in touch.