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.

Clime Individually Managed Accounts
Clime Listed Investment Companies

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.

Clime Private Wealth - Investments
Clime Private Wealth - Investments

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

FeatureManaged FundsLICsSMAsIMAs
Tax EfficiencyPoorModerateGoodExcellent
Managed to Particular Tax OutcomeNoSometimesNoYes
Direct OwnershipNoNoYesYes
Embedded Tax LiabilityOftenOftenNoNo
Capital Losses can be applied to:Future gains within structureFuture gains within structureAny current or future gainsAny current or future gains
Variety of Investment OptionsExcellentGoodModerateModerate
Portfolio ConstructionManager's discretionManager's discretionModel PortfolioManager's discretion
Tailored ManagementNoNoNoYes
Management Fee Tax DeductibilityNoNoNoYes

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

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The information provided on this webpage and the rest of 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.
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