TBS Partners

Clover: Now new investors needn’t depend on beginner’s luck

Your first foray into the world of finance is a daunting one. With Clover, you know exactly where to step.



Taking risks in the complex world of finance can be a daunting prospect for inexperienced investors.

The challenge of entering the share market can be like contemplating a swim in the Alligator River and these days so it seems you take a fiscal risk just by visiting a bank or a financial advisor.

The challenge for investment debutants is finding the assured way of building the capital they need to fund the lifestyle they aspire to.

You’re not taught about such things at school and unless there’s a relation or mate who can point you down the right track, feelings of inadequacy can easily take hold. It’s difficult to know where to start, who you can trust and how to minimise the risk of losing your hard-earned.

Is it better to accept more risk for the prospect of more gain or aim lower and risk less? Are there sufficient funds for a worthwhile investment and where on earth is it possible to get advice from leading experts you can trust when you’re only a modest investor?

Clover has proven to be the answer for many new and inexperienced investors. It has become the leader in the burgeoning robo financial advice sector.

It takes on investor clients who have as little as $2,500 to invest and fees begin at a mere $5 a month.

The investment strategies they apply to their investors’ funds are developed by world-ranked experts in the field.

New investors enjoy the assurance that their capital growth prospects are in the hands of experts rather than being subject to the fickle fate of beginner’s luck.

Clover minimises investment risk for investors and maximises their return through a diversified investment strategy encompassing the Australian sharemarket, developed global sharemarkets, emerging global sharemarkets, listed real estate, bonds and enhanced cash – similar to term deposits but offering much greater liquidity.

They have an innovative way of balancing decisions on risk and return between investors and investment experts. An investor simply completes an online questionnaire that determines his or her risk tolerance. Clover’s experts then select the optimum investing portfolio based on the investor’s answers. The entire process is typically completed in less then five minutes.

Investors can choose to include Socially Responsible Investments in any package portfolio regardless of the amount invested, an option exclusive to Clover in the robo investment sector.

Clover is very aware of the imperative to create investor trust. All investor assets are held permanently in a Macquarie Bank account opened in the investor’s own name.

Potential investors can either approach Clover direct through www.clover.com.au or they can check with independent financial advisors to ascertain whether they have adopted the Clover for Advisers programme. This empowers financial advisors to offer Clover robo investment services to investors through an advanced digital platform.

Case histories abound of investors who have realised major personal goals like buying a first home, doing something extra for retirement or funding their kids’ education through placing their trust in Clover.

They will certainly attest to Clover’s claim to be the state-of-the-art pathway to realising personal financial goals.

New investors enjoy the assurance that their capital growth prospects are in the hands of experts rather than being subject to the fickle fate of beginner’s luck.

If you start off in Clover there’s a good chance you’ll end up in clover.


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