The Stockspot Topaz Income portfolio is a mixed asset portfolio that aims to deliver higher annual income while diversifying across countries, assets, and sectors. This strategy targets attractive long-term returns from a blend of regular income and capital growth and is aligned for those looking for retirement income from their investment.
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Sustain your purchasing power
With inflation and the rising cost of living, many investors want a portfolio that generates enough money to spend now and into the future. This portfolio aims to generate regular income to cover short-term expenses while maintaining the potential for capital growth over time.
Avoid concentration risk
While certain income options may promise attractive returns of 8% p.a. or more, it's important to be cautious about the added risks involved. High-yield investments can sometimes be ‘income traps’, offering high income returns that may not be sustainable because they rely on paying distributions out of your capital. Our approach is to prioritise investments that provide steady and reliable income without compromising your chances of long-term capital growth.
Our portfolio has been designed to target higher annual income compared to a typical high growth portfolio while also offering the potential for long-term capital growth.
Gain exposure to both Australian and international shares, including high dividend shares. Our portfolio invests in a broad range of assets, focusing on income generation.
Experience the benefits of low-cost ETFs, so you get to keep more of your returns.
The underlying ETFs within the Stockspot Topaz Income portfolio have historically produced similar returns to the Stockspot Topaz (High growth) portfolio however a higher proportion of the total return has come from income rather than capital growth.
Growth of $10,000
| TOPAZ INCOME | TOPAZ | |
|---|---|---|
| Total return including income and capital growth (3 year p.a.) | 6.7% | 6.7% |
| Trailing 12 month income return | 3.50% | 2.65% |
| Trailing 12 month income return (grossed up) | 4.29% | 3.36% |
| Income distribution | Quarterly | Quarterly |
Suggested investment horizon: 7+ years
Grossed up income is calculated for each ETF by summing the prior 12-months per unit distributions, adding any declared franking credits based on the most recent financial year, then dividing by the closing ETF price at the end of the relevant period.
The Stockspot Topaz Income portfolio returns are theoretical and based on the historical performance of the underlying index based ETFs after ETF fees and after Stockspot fees based on the Silver tier. These returns are provided for comparison purposes only. The Stockspot Topaz Income portfolio opened for investment from 1 October 2023. The Stockspot Topaz portfolio returns are after ETF fees and after Stockspot fees based on the Silver tier as at 30 September 2023. See how we calculate returns. Investing in financial products involves risk. Past performance of financial products is no guarantee of future performance.
You can create a new portfolio inside your existing web dashboard using the multi-account slide out menu.
It depends on the size of your portfolio and the amount of income distributions earned each quarter. Speak to our team to understand how best to manage income withdrawals that will meet your needs.
The Stockspot Topaz Income portfolio is a high growth strategy, best suited for those with a longer-term investment horizon of at least 7 years.
You can switch to this portfolio via your Stockspot dashboard in Your investments > Your Stockspot portfolio > Change investment strategy.
Income distributions will be paid quarterly. You can either choose to reinvest income or withdraw it. The minimum withdrawal amount is $2,000.