Investment Services

Invest with Clime

How we manage your money

Clime applies a consistent objective-based approach to identifying attractive investment opportunities to deliver strong risk-adjusted total returns. Our investment objectives are aligned with our client’s goals and centred on helping everyday Australians achieve security in their retirement.

In managing our clients’ investments, our goals are to;

• Grow your retirement savings;
• Guard your retirement savings along the way; and
• Generate meaningful retirement income.

We are firm believers in the old adage that “the best way to make money, is to not lose it in the first place”.

In developing our investment solutions, Clime considers multiple asset classes including Australian equities, global equities, fixed income, property, hybrid securities, debt and cash to focus on the best ideas and opportunities for our clients. Our objective is to deliver a smooth profile of returns over a five to seven-year investment horizon.

Flexible Investment Solutions

Individually Managed Accounts (IMAs)

An IMA is an individually tailored investment service that can invest in a range of asset classes. Each investment portfolio is constructed specific to each client’s needs. Major benefits of IMAs include ease of set up and management, beneficial ownership of underlying assets and online reporting providing 24/7 access to portfolio performance.

Clime offers three IMAs: Growth, Income and International. Each IMA is designed to achieve a specific objective for clients. With proven, professional portfolio management, risk management and stock market research, you can rest assured that your money is in expert hands.

Listed Investment Companies (LICs)

Listed investment companies (LICs) are a way for investors to gain exposure to a broader range of assets in a single transaction. LICs are bought and sold on the ASX, providing significant flexibility.

Clime is the investment manager for two Listed Investment Companies, Clime Capital (ASX: CAM) and CBG Capital (ASX: CBC). CBG Capital is an Australian equities investor and Clime Capital invests in Australian equities, direct property and fixed income asset classes.

Separately Managed Accounts (SMAs)

SMAs offer a way for investors to access the benefits of direct share ownership combined with the oversight of a professional investment manager. The benefit of SMAs is that the investor retains beneficial ownership of the underlying securities and often has better transparency with regards to those securities.

Clime manages SMAs for third parties, providing flexibility in investment solutions.

Managed Funds

Managed Funds provide investors with the ability to gain exposure to different asset classes and market sectors: particularly for assets that can be hard to access for individual investors due to scale or lack of information. This can assist with constructing a diversified portfolio made up of different asset classes and industry sectors.

Clime manages a number of funds including the Clime Smaller Companies Fund, Clime International Fund, Clime Australian Income Fund, Clime Australian Value Fund and Clime CBG Australian Equities Fund (Wholesale).

Features and benefits of Clime’s investment products

Feature	Managed Funds	LICs	SMAs	IMAs
Tax Efficiency	Poor	Moderate	Good	Excellent
Portability	None	None	Good	Excellent
Managed to Particular Tax Outcome	No	Sometimes	No	Yes
Transparency	Poor-moderate	Moderate	No	Yes
Direct Ownership	No	No	Yes	Yes
Embedded Tax Liability	Often	Often	No	No
Capital Losses can be applied to:	Future gains within structure	Future gains within structure	Any current or future gains	Any current or future gains
Variety of Investment Options	Excellent	Good	Moderate	Moderate
Portfolio Construction	Manager's discretion	Manager's discretion	Model Portfolio	Manager's discretion
Tailored Management	No	No	No	Yes
Management Fee Tax Deductibility	No	No	No	Yes

To learn more about different investment structures, speak with your Private Wealth Adviser or contact Clime directly on 1300 788 568.

The information provided on this webpage and the rest of clime.com.au is intended for general use only. The information presented does not take into account the investment objectives, financial situation and advisory needs of any particular person nor does the information provided constitute investment advice. Under no circumstances should investments be based solely on the information herein. Please consider our Information Memorandum, Product Disclosure Statement and Financial Services Guide before investing in one of our products. Past performance is no guarantee of future returns.

Clime Asset Management

Invest with Clime

How we manage your money

Flexible Investment Solutions

Individually Managed Accounts (IMAs)

Listed Investment Companies (LICs)

Separately Managed Accounts (SMAs)

Managed Funds

Features and benefits of Clime’s investment products

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