stockspot.com.au

Stockspot states on its homepage that its model portfolios outperformed 100% of similar diversified funds over 10 years. That claim is the headline answer to the performance question, but it is a marketing statement rather than a full picture. To judge whether the performance is reliable, you need to look at the specific portfolio returns, the comparison methodology, and the fees that sit between gross performance and what you actually keep.

What Stockspot claims about performance

The site's key performance message is direct: "Our model portfolios outperformed 100% of similar diversified funds over 10 years." This is a strong claim, and it is worth understanding what it does and does not tell you.

• It refers to model portfolios, not necessarily the returns of every individual client account. Actual client returns can differ based on when money was invested, cash flows, and the specific portfolio chosen.
• "Similar diversified funds" is a defined comparison group. The value of the claim depends on how that group is constructed and which time period is measured.
• Past performance is not a guarantee of future results. A 10-year record is useful context, but it does not predict the next 10 years.

Where to check the actual numbers

Stockspot provides dedicated pages for portfolio returns and performance comparison. These are the places to go for specifics rather than relying on the homepage headline.

The site's navigation lists "Portfolios — Learn more about our portfolios including returns and investments," "Performance — Compare the Stockspot portfolio returns," and "Pricing — See what's included in our pricing tiers." These are the primary sources for verifying the performance claim.

How to evaluate the comparison fairly

A performance comparison is only useful if you check the basis on which it is made. When reviewing Stockspot's numbers, consider:

1. Time period — The 10-year claim covers a specific window. Check whether shorter or longer periods tell a different story.
2. Comparison group — "Similar diversified funds" should be genuinely comparable in asset mix and risk level. A high-growth portfolio compared against conservative funds would not be a fair test.
3. Fees — Stockspot's pricing tiers (including Platinum at $200,000+ in assets and Diamond at $2M+ in assets) affect net returns. Compare returns after fees, not before.
4. Model vs. actual — Model portfolio returns assume a static investment. Your actual return depends on when you invested and any withdrawals or deposits.
5. Risk — Higher returns often come with higher risk. Check whether the comparison accounts for volatility, not just final return.

What this means for your decision

The performance claim is a starting point, not a conclusion. If Stockspot's model portfolios genuinely outperformed 100% of similar diversified funds over 10 years, that is a meaningful data point in favour of the service. But you should verify it against the specific portfolios and time periods relevant to you.

A practical approach:

• Go to the Portfolios and Performance pages and look at the returns for the portfolio that matches your risk tolerance and goals.
• Check the pricing page to understand the fee that applies at your investment level.
• Compare the net return (after fees) against other diversified funds or robo-advisers you are considering.
• Remember that the 10-year claim is historical. Your own outcome will depend on future market conditions and how long you stay invested.

Stockspot's own site provides the returns and comparison data you need to make this assessment. The claim is prominent, but the supporting detail is what should drive your decision.

Stockspot is an Australian robo-adviser that builds and manages a personalised investment portfolio for you, using exchange-traded funds (ETFs) and a set of rules-based investment strategies. You answer questions about your goals and situation, the platform maps you to a portfolio, and it then handles the buying, rebalancing and monitoring on your behalf. It suits people who want a managed, diversified portfolio without picking individual stocks or placing trades themselves. It is not a stock-picking service, and it is not a human adviser reviewing every decision with you.

What "personalised" means here

Personalisation at Stockspot works at the level of portfolio construction, not individual security selection. The platform matches you to a portfolio based on factors such as your investment goal, time horizon and comfort with risk, then adjusts the mix of assets inside that portfolio.

The site describes the output as "a smart, personalised portfolio using proven investment strategies," and positions the whole service as "sharemarket investing done for you" — you get a managed portfolio rather than a brokerage account you operate yourself.

How the portfolio is built

The building blocks are ETFs. Stockspot describes itself as running Australia's first ETF-only super fund, which tells you the construction philosophy: instead of holding direct shares, the portfolio holds ETFs that give exposure across markets.

In practice the process looks like this:

1. You set a goal and profile. The platform offers different account types for different goals and life stages, so the portfolio starts from what you are investing for.
2. You are matched to a model portfolio. Stockspot publishes model portfolios with returns and underlying investments, and these are the templates your personalised allocation is drawn from.
3. Your allocation is set. The mix of assets reflects your goal and risk profile rather than a single default fund.
4. The portfolio is implemented with ETFs. Diversification comes from the funds held, not from you assembling a list of shares.

The claim the site makes about this approach is that its model portfolios "outperformed 100% of similar diversified funds over 10 years." Treat that as the platform's own performance statement, and check the current performance page for the period and methodology behind it before relying on it.

What Stockspot does for you after setup

The management side is the part that replaces your ongoing effort. According to the site, Stockspot manages your investments so "you can get on with life," and the service is pitched as having "no paperwork, no stress."

That covers the operational work you would otherwise do yourself: keeping the portfolio aligned to its target allocation, reinvesting, and handling the underlying ETF transactions. You are not placing the trades or monitoring drift.

Customising beyond the default portfolio

If a standard model portfolio does not reflect what you want, Stockspot Themes lets you customise your portfolio with specific theme options. This is the layer to look at if you have a preference the default allocation does not capture — for example, a sustainability or income tilt, both of which appear as distinct investing options on the site.

Account types, because they shape the portfolio

The account you open determines the goal the portfolio is built around. Stockspot lists:

Alongside these, the product range separates short-term investing (Stockspot Savings), medium-to-long-term investing, income-focused portfolios, inflation-defence portfolios and sustainable investing. Super is handled separately through Stockspot Super.

Is it the right fit?

Choose Stockspot if you want a diversified, ETF-based portfolio built and managed for you, and you would rather not run the trades yourself. The range of account types and themes means it can accommodate different goals and structures, including SMSFs and companies.

Look elsewhere if you want to pick individual stocks, want to trade actively, or want a human adviser making discretionary calls on your specific circumstances. And before committing, check the current pricing tiers — the site separates standard pricing, Super pricing, and higher-asset tiers (Platinum at $200,000+ in assets and Diamond at $2M+ in assets) — since the fee structure is what determines whether the managed approach is worth it at your balance.

Stockspot publishes its fees on dedicated pricing pages rather than a single flat rate, and the tier you fall into depends on how much you invest. The site lists separate pricing pages for its standard investing service, its Platinum and Diamond tiers, and Stockspot Super. Platinum is described as applying at $200,000+ in assets and Diamond at $2M+ in assets, with each tier unlocking a higher level of service. Because the pages themselves are the source of the actual numbers, check the linked pricing pages for current figures before you commit.

How Stockspot's pricing is structured

Stockspot separates pricing into a few distinct areas:

• Standard investing pricing — the main "Pricing" page, which the site describes as showing "what's included in our pricing tiers."
• Platinum tier — listed as $200,000+ in assets, with "priority access to an adviser."
• Diamond tier — listed as $2M+ in assets, described as the "highest level of service."
• Stockspot Super — has its own separate pricing page where you can "view and estimate your Stockspot Super fees."

This means your cost isn't a single published number — it depends on which product you use (investing vs. super) and which asset tier you qualify for.

The tiers at a glance

The thresholds and service descriptions above come directly from the site's pricing links. The exact fee percentages are not reproduced here because they live on the pricing pages themselves — treat those pages as the authoritative source.

Stockspot Super is priced separately

If you're looking at Stockspot Super rather than the standard investing product, note that it has its own pricing page with a fee estimator. This is a distinct calculation from the investing tiers, so don't assume the Platinum or Diamond thresholds apply the same way to super.

What to check before deciding

1. Confirm your asset level. The tier you're in depends on total assets — $200,000+ moves you toward Platinum, $2M+ toward Diamond.
2. Open the specific pricing page for the product you want (investing, Platinum, Diamond, or Super), since each has its own breakdown.
3. Use the Super fee estimator if super is your focus, rather than reading across from the investing tiers.

The site's own framing is that pricing tiers determine "what's included," so the tier isn't just about cost — it also changes the level of service and access you receive.

Stockspot offers account types for individuals, couples, children, companies, trusts, self-managed super funds (SMSFs), and not-for-profits, plus a dedicated super fund and a service for professional advisers. You start by choosing the account that matches who is investing and what the money is for, then going through the "Get started" flow. If you already hold investments elsewhere, the "Switch to Stockspot" tool is designed to compare and move existing funds across.

Account types and who they suit

The account you pick depends on the legal owner of the money and the goal, not on how much you invest.

Alongside these, Stockspot separates accounts by goal and time horizon:

• Stockspot Savings — for short-term financial goals.
• Investing — personalised portfolios for medium to long-term wealth growth.
• Income — a portfolio targeting higher annual income.
• Sustainable investing — a portfolio aligned with personal goals and values.
• Inflation — a portfolio designed to defend against the impact of inflation.
• Stockspot Super — described as Australia's first ETF-only super fund.
• Stockspot for Professionals — an all-inclusive solution for professional advisers and their clients.

How to get started

1. Decide on the account type. Match it to the legal owner (you, you and a partner, a child, a company, a trust, an SMSF, or an NFP).
2. Decide on the goal. Short-term savings, medium to long-term investing, income, sustainable investing, or inflation defence.
3. Use the "Get started" entry point on the site to begin the sign-up flow.
4. If you already invest elsewhere, use "Switch to Stockspot" to compare and switch your existing funds.

Stockspot's own framing is that it builds a smart, personalised portfolio using proven investment strategies, with no paperwork and no stress — and that it manages your investments so you can get on with life.

What to check before you commit

• Pricing tiers. The site links to a pricing page and separate super pricing, plus Platinum ($200,000+ in assets) and Diamond ($2M+ in assets) tiers. Fees are not stated in the material here, so check the pricing pages for current numbers.
• Performance claims. Stockspot states its model portfolios outperformed 100% of similar diversified funds over 10 years. Treat this as the provider's own claim and review the performance page for the underlying detail.
• Portfolio customisation. "Stockspot Themes" lets you customise a portfolio with theme options if you want exposure beyond the standard model portfolios.

If your situation is straightforward — one person, one goal — an individual account under the relevant goal type is the simplest path. If the money is held by a structure (company, trust, SMSF) or for someone else (kids, NFP), choose the matching account type first, because that determines the paperwork and the tax treatment.

Stockspot is an Australian online investment adviser (robo-advice) that builds and manages a personalised portfolio for you using ETF-based strategies. You use it if you want your sharemarket investing handled for you — no paperwork, no need to pick individual stocks — across goals like short-term savings, long-term growth, income, sustainable investing, or inflation defence, and through account types including individual, joint, kids, company, trust, SMSF, and Stockspot Super.

How it works

Stockspot describes its service as "sharemarket investing done for you" and says it manages your investments so you can get on with life. In practice:

• You get a personalised portfolio built from proven investment strategies rather than a single off-the-shelf fund.
• Stockspot manages it for you, which is the core of the "no paperwork, no stress" positioning on its site.
• The portfolios are ETF-based, and the site states its model portfolios outperformed 100% of similar diversified funds over 10 years.

The site also offers Stockspot Themes, which let you customise your portfolio with specific theme options if you want more control than a standard model portfolio.

What you can invest for

Stockspot organises its products around the goal or time horizon you have in mind:

Account types available

Beyond the goal-based products, Stockspot supports a range of account structures:

• Individual — investing in your own name
• Joint — investing with someone else
• Kids — investing for children or grandchildren under 18
• SMSF — investing as a self-managed super fund
• Company — investing as a registered company or business
• Trust — investing for a family, discretionary, or testamentary trust
• Not-for-profit — investing as a charity or NFP

Super and professional use

• Stockspot Super is described as Australia's first ETF-only super fund.
• Stockspot for Professionals is an all-inclusive solution aimed at professional advisers managing clients.

Other things worth knowing

• Pricing is tiered. The site links to a pricing page ("See what's included in our pricing tiers") and separate Super pricing, with named tiers including Platinum ($200,000+ in assets) and Diamond ($2M+ in assets). Check the pricing pages for current fees, since the site presents them by tier rather than as a single flat rate.
• Switching is supported. There's a "Switch to Stockspot" option to compare and move existing funds across.
• Performance is published. Stockspot provides a performance page so you can compare portfolio returns before deciding.

If you want a managed, ETF-based portfolio without choosing investments yourself, Stockspot is built for that. If you want to trade individual shares or control every holding, it isn't — its model is delegated management across a defined set of products and account types.