InvestSMART

Building wealth for your kids x.com/i/broadcasts/1…

💳 Card surcharges are being banned from October. Good news for shoppers — but there may be hidden trade-offs. Businesses could lift prices, and reward credit cards may become less generous or more expensive. 📖 Read more: bit.ly/3RIrVId General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

Think ETFs are only about the ASX 200 or US shares? Think again. Today, you can invest in everything from 🎮 video games and 🔋 lithium to 🤖 robotics, 🔐 cybersecurity and AI chips through ETFs. Thematic ETFs can offer exposure to long-term trends and emerging industries — though they can also be more volatile than diversified broad-market funds. Here are 5 surprising areas investors can now access through ETFs. Read more: bit.ly/4wKhvIg General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

Saving for your first home? Our free guide explores strategies to save smarter and grow your deposit. Inside, we cover: ✓ Investment options including shares, ETFs and super ✓ Government grants and support schemes ✓ Hidden costs buyers often overlook ✓ Practical tips to stay on track Download your copy today: bit.ly/4uUbHdg This information is general only and doesn’t take your personal objectives, financial situation or needs into account. Consider the PDS and TMD at bit.ly/49Z5qoH before making any investment decision. Past performance is not indicative of future performance. Promoted by InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435. InvestSMART Funds Management Ltd ABN 62 067 751 759 AFSL # 246441 is the product issuer of InvestSMART Professionally Managed Accounts.

📊 Looking for a diversified portfolio designed for medium to long-term goals? The InvestSMART Balanced Portfolio combines shares, bonds, property, infrastructure and cash in a professionally managed ETF portfolio built to balance growth and stability. 💡 Since launching in 2014, the portfolio has returned 5.45% p.a. and outperformed the majority of its peers over the long term. ✔ Diversified across growth and defensive assets ✔ Medium to high risk profile ✔ Competitive capped fees ✔ Designed for investors with a 3–5 year timeframe Find out how the portfolio works and what’s inside 👇 bit.ly/4dvpMHh General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

Could AI make retirement easier? In the latest entry of his *Diary of a Self-Funded Retiree*, Alastair Davidson explores how he’s using AI for everything from planning holidays and understanding blood test results to double-checking investment strategies. His takeaway? AI can be a useful second opinion and a helpful tool for everyday life — but not a replacement for professional advice. Read more: bit.ly/42q9DOj General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

🟡 ETF Spotlight: Gold miners in focus Looking to add a different kind of exposure to your portfolio? The VanEck Gold Miners ETF (ASX: GDX) offers access to over 100 global gold mining companies — all in a single ASX-listed ETF. 📈 With strong recent performance driven by the gold rally, GDX has delivered impressive returns — but it’s not without risk. This is a high-volatility, high-risk ETF, best used as a satellite allocation, not a core holding. 💡 Key highlights: ✔ Exposure to global gold mining giants ✔ 0.53% management fee ✔ Unhedged (includes currency exposure) ✔ Designed for long-term investors (5+ years) Curious whether gold miners deserve a place in your portfolio? 👉 Read the full ETF Spotlight: bit.ly/4d1LHFw General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

📈 InvestSMART Performance Update – March 2026 March was a reminder that volatility is part of investing. Geopolitical tensions and rate concerns weighed on markets, though recent rebounds show how quickly sentiment can shift. Over the past year, InvestSMART’s diversified portfolios returned between 3.6% and 8.2%, while continuing to outperform peers over five years. A timely reminder that diversification and a long-term view matter. 📖 Read the full update: bit.ly/4d7N4Uu General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

Trying to pick the perfect time to invest is one of the hardest things to do. The truth is, there is no perfect time. What matters is getting started and staying consistent. If you’ve been thinking about investing, now could be a good time to take the first step. 🎁 Open and fund an InvestSMART account before 30 April 2026 and get a $100 bonus.* 👉 Get started today: bit.ly/4tysKRZ InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435. This is general financial advice and has not considered your objectives, financial situation or needs. InvestSMART Funds Management Limited ACN 067 751 759 AFSL 246441 is the issuer of the PMA. Read the PDS and TMD or seek professional advice before making an investment decision. April Offer is only available to investors who open and fund a new PMA in April 2026 (Eligible PMA). Offer is not available in conjunction with any other offer. InvestSMART will deposit AU$100 into your Eligible PMA within 14 days of receiving your investment funds into your Eligible PMA. If you have a Fundlater loan, the $100 will be invested and not used to reduce your loan balance. Minimum investment amounts and eligibility criteria apply depending on your chosen investment portfolio.

📈 Spotlight: InvestSMART High Growth Portfolio Built for long-term investors, the InvestSMART High Growth Portfolio has returned 8.88% p.a. since inception and 9.84% over the past year to 28 February 2026. Launched in October 2014, it invests mainly in growth assets, with 49.5% in international shares and 35% in Australian shares. Over five years, it returned 10.63% p.a., outperforming peer funds, while fees remain competitive at 0.44% p.a., capped at $880. 📖 Read more: bit.ly/4tY46Kn General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

📖 Diary of a Self-Funded Retiree – Entry 10 What happens when full-time work becomes part-time? In this latest entry, Alastair Davidson shares what the transition has really been like — from keeping structure in the week to staying mentally active and finding the balance between personal time, family and life with a partner. It’s a practical reminder that cutting back work doesn’t always mean having more spare time — just a different kind of routine. 📖 Read the full entry: bit.ly/4sYDhVL General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

When markets are volatile, cash can feel like the safest option. But over time, cash often struggles to keep up with inflation, which can quietly erode your purchasing power. That’s why long-term portfolios usually combine growth assets with defensive assets like cash and bonds. InvestSMART portfolios are built to strike that balance while helping you stay focused through market cycles. 🎁 Open and fund a new InvestSMART account before 30 April 2026 and get a $100 bonus.* 👉 bit.ly/41yIx77 InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435. This is general financial advice and has not considered your objectives, financial situation or needs. InvestSMART Funds Management Limited ACN 067 751 759 AFSL 246441 is the issuer of the PMA. Read the PDS and TMD or seek professional advice before making an investment decision. April Offer is only available to investors who open and fund a new PMA in April 2026 (Eligible PMA). Offer is not available in conjunction with any other offer. InvestSMART will deposit AU$100 into your Eligible PMA within 14 days of receiving your investment funds into your Eligible PMA. If you have a Fundlater loan, the $100 will be invested and not used to reduce your loan balance. Minimum investment amounts and eligibility criteria apply depending on your chosen investment portfolio.

🆕 More choice with InvestSMART Custom We’ve added 7 new ETFs to the approved list — including exposure to copper, semiconductors, emerging markets, bonds and gold. All meet our minimum 3-star rating, giving you more ways to personalise your portfolio while staying diversified. 📖 See what’s new: bit.ly/4sTxCkm General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

ASX Investor Update published our take on volatility, with InvestSMART CEO Ron Hodge. Volatility is normal. The costly part is what investors do in response: panic-selling, switching strategies, or trying to time the “all clear”. Full article on ASX: bit.ly/4cw01qR General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

🌍 What does the Middle East crisis mean for investors? In this latest article, Paul Clitheroe explains how geopolitical tensions can spark market volatility — and why reacting to headlines is rarely the right move. It’s a timely reminder to stay diversified, avoid knee-jerk decisions and keep a long-term perspective. 📖 Read Paul Clitheroe’s guide: bit.ly/3OqBJp0 General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

Markets feel uncertain again. But here’s what experienced investors know… Some of the best long-term opportunities appear when headlines look the worst. We saw it in 2025. Markets fell fast after the “Liberation Day” tariffs, then recovered within months and ended the year higher. That’s why disciplined investors don’t panic. They stay invested. 🎁 Get started with a $100 bonus* Open and fund an InvestSMART account before 30 April 2026 and we’ll add $100*. 👉 Explore our portfolios: bit.ly/4sNCzLy InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435. This is general financial advice and has not considered your objectives, financial situation or needs. InvestSMART Funds Management Limited ACN 067 751 759 AFSL 246441 is the issuer of the PMA. Read the PDS and TMD or seek professional advice before making an investment decision. April Offer is only available to investors who open and fund a new PMA in April 2026 (Eligible PMA). Offer is not available in conjunction with any other offer. InvestSMART will deposit AU$100 into your Eligible PMA within 14 days of receiving your investment funds into your Eligible PMA. If you have a Fundlater loan, the $100 will be invested and not used to reduce your loan balance. Minimum investment amounts and eligibility criteria apply depending on your chosen investment portfolio.

📊 How have InvestSMART portfolios performed? Over the past 12 months, our diversified ETF portfolios returned between 5.3% and 9.8%, and over five years, they’ve outperformed comparable funds by up to 1.9% p.a. Markets will always move—February was strong, but recent geopolitical tensions and rate hikes are a reminder of how quickly sentiment can shift. That’s why our approach doesn’t change. We focus on diversification, discipline and regular rebalancing—not reacting to headlines. 👉 See the full performance update and what’s driving results: bit.ly/47dTz54 General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

📊 A smarter way to invest in uncertain markets When headlines are dominated by war, rate hikes and market noise, it’s easy to feel like you need to act. But according to InvestSMART CEO Ron Hodge, the better approach is often to do less — and stay disciplined. In his latest article, Ron explains how a “set-and-forget” ETF portfolio can help investors cut through the noise by focusing on what really matters: • Diversification across markets and asset classes • Automating regular investments • Rebalancing once a year • Ignoring short-term headlines Because long-term investing isn’t about reacting — it’s about building a system that keeps you on track. 📖 Read the full article: moneymag.com.au/set-and-forget… General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

📖 Diary of a Self-Funded Retiree – Entry 9 Retirement planning doesn’t stop once you’ve built a portfolio. It’s about regularly reviewing where you stand and making adjustments along the way. In the latest entry, Alastair Davidson shares how he and his wife are taking stock of their retirement portfolio, recent changes to their SMSF asset allocation, and why they’re still tilted towards growth assets. He also explores an often-overlooked opportunity: applying for a UK state pension after years of National Insurance contributions. From portfolio tweaks to international pension eligibility, it’s a practical look at the real decisions retirees face. 📖 Read the latest diary entry: bit.ly/418LzP6 General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.

💰 Over $28 million returned to members — could you be next? So far, 26,482 members have received $28,107,951 in cashback from commissions built into insurance premiums and other financial products. Here’s one example: Toni, 60 (WA) Premium: $464.43 per month Cashback received in 2025: $169.86 She kept her insurer. She kept her cover. If you have life insurance, income protection, trauma or TPD cover, part of your premium may include ongoing commission — and you may be able to receive a portion of future commissions back each year. Every policy is different, but it may be worth checking. 👉 Start the cashback process today: bit.ly/4lrrb51 Questions? Call 1300 880 160 or email cashback@investsmart.com.au. InvestSMART Cashback Pty Ltd ACN 122 332 503 is a Corporate Authorised Representatives (CAR 309028) of InvestSMART Advice Pty Limited ACN 119 670 334 AFSL 334107. Information is general in nature and is not personal specific advice. Not all products are eligible for Cashback. Find out more here: bit.ly/413jUPw.

If you had invested $10,000 in the InvestSMART Growth Portfolio when it launched in 2014, it would have grown to $22,197 by January 2026. The InvestSMART Growth Portfolio, launched in 2014, invests in a mix of ETFs covering Australian and international shares, property, infrastructure, bonds and cash. Designed for investors with a five-year+ timeframe, it aims to build wealth over the long term while keeping fees competitive. 📊 Since inception: 7.33% p.a. average return 📊 5-year return: 8.02% p.a. Take a closer look at how the portfolio works, the ETFs it holds and how it compares with its peers. Read more: bit.ly/4stbexI General advice only. Does not take your personal objectives, financial situation or needs into account. Consider the relevant PDS and TMD before investing. InvestSMART Financial Services Pty Limited ACN 089 038 531 AFSL 226435.