The Simplest, Smartest Way To Invest

Your future self will thank you.

The Age
The Sydney Morning Herald
Financial Review
What Is Clover?

Personal investing, made awesome.

Investing can be intimidating and complex. We’re fixing that.

With Clover, you get a personal risk profile, custom portfolio, and super low-fee management. We invest your money in a globally diversified portfolio of ETFs based on your unique circumstances (that’s the best way to do it).

Goal Performance

We get to know you

Tell us about yourself, your risk appetite and your financial goals.


We give you the right advice

We'll advise you on the best path and your optimal investment portfolio.


Relax while we work hard

Sit back, relax and we’ll do all the hard work so you don’t have to.


Make your savings work harder

Lose the confusion! Investing is easy using our simple, hassle-free online service.

We invest your money in a globally diversified portfolio of ETFs based on your unique circumstances.

If you invest


High interest savings account


at 3.1% p.a. after 20 years

Balanced portfolio


at 5.7% p.a. after 20 years

Over 20 years you would pocket

+ $23,777

The above results are by nature illustrative only, and do not represent actual or expected returns that any particular investor might experience. The return assumptions for Cash and the Balanced Portfolio are based on data contained in the Russell Investments/ASX 2016 Long-term Investing Report, calculated on a pre-tax and post-fee basis for the 10 years to 31 December 2015. The above comparison in no way constitutes advice to invest in any particular portfolio managed by Pty Ltd. Should you wish to receive a portfolio recommendation, you can do so by entering the Clover advice portal and receiving a personalised Investment Program.


Get ahead of the pack with Clover

We have automated algorithms monitoring your portfolio around the clock so we can rebalance your portfolio whenever needed to make sure your portfolio is on track.



No meetings, no office visits. Start investing today with as little as $5,000.



We create, monitor, and automatically optimise your portfolio. Sit back and watch your nest grow.

Low Fees

Evidence Based

Invest with confidence; we use a disciplined, Nobel Prize winning approach to managing your money.


Historically better returns

Clover uses a diversified, low-cost, passive investment approach, which has historically shown to be the best way to build wealth over time.

Explore returns
Our Experts

A world-renowned team, working for you

Our investment team has advised on and managed billions of dollars for some of the world's largest investment funds. Now they're working for you.

Dr. Jack Gray

Dr. Jack Gray

Chair, Investment Committee

Jack was voted one of the world's top 10 investment academics.

Neil Detering

Neil Detering

Strategy Advisor

Neil founded a billion dollar ASX-listed financial services company.

Sahil Kaura

Sahil Kaura

Head of Investment

Sahil has over 10 years of experience in the financial services industry.

Free until 30 June 2017

Create your personalised investment plan