the fee, worked out
the fee calculator.
inaam costs a flat $10 a month. Here is what that works out to at your balance, the point where it drops below a typical percentage fee, and every other cost in the PDS.
Illustrative only. No investment return is assumed anywhere on this page.
pricing
ten dollars a month. that's the fee.
The subscription is $10 a month, flat. That is $120 a year whether your balance is $5,000 or $200,000. A percentage fee takes a larger dollar amount every year your balance grows. Ten dollars doesn't.
A buy-sell spread of 0.1% applies when you enter or exit the fund. It stays in the fund to cover transaction costs.
Illustrative only. The 1.5% comparison is fund, platform and advice combined: ASIC Moneysmart, June 2026, the low end of REP 702's 1.45% to 2.3% range. Typical published ranges, not a quote from any named provider. The fund carries its own costs, set out in the PDS. The $10 subscription is separate from your investment. The minimum to invest in the fund is $100.
at $120 a year, the flat subscription works out to
10.0% of that balance each year, building the habit
of that balance, every year. The percentage falls as the balance grows.
after one year of contributions, about $1,200
Once you reach an $8,000 balance, our flat fee is the best value we offer. Add whenever you want and that value comes sooner.
Their 1.5% is fund, platform and advice combined. ASIC Moneysmart, June 2026, the low end of REP 702's 1.45% to 2.3% range. Comparison figures are typical published ranges, not a quote from any named provider. The fund carries its own costs, set out in the PDS. Nothing in this chart is a statement about returns.
at each balance
the same sums, in a table
The subscription is $120 a year at every balance. The share is what moves.
| inaam subscription, a year | as a share of your balance | a 1.5% fee, in dollars | |
|---|---|---|---|
| $500 | $120 | 24% | $7.50 |
| $1,000 | $120 | 12% | $15 |
| $2,500 | $120 | 4.8% | $37.50 |
| $5,000 | $120 | 2.4% | $75 |
| $8,000 (the break-even) | $120 | 1.5% | $120 |
| $10,000 | $120 | 1.2% | $150 |
| $25,000 | $120 | 0.5% | $375 |
| $50,000 | $120 | 0.2% | $750 |
| $100,000 | $120 | 0.1% | $1,500 |
The 1.5% comparison is fund, platform and advice combined: ASIC Moneysmart, June 2026, the low end of REP 702’s 1.45% to 2.3% range. Typical published ranges, not a quote from any named provider. The fund carries its own costs, set out in the PDS. The subscription is separate from your investment. The minimum to invest in the fund is $100.
$120 a year is 1.5% of $8,000. Below $8,000 the subscription is a larger share of your balance than a 1.5% fee would be. Above it the subscription is the smaller of the two, and the gap widens as the balance grows, because the $120 does not move.
The break-even depends on what you compare with. Against a 1% fee it is $12,000. Against a 0.5% fee it is $24,000.
on contributions alone
how long to reach $8,000
What you add each month, and how long that takes to pass the break-even. No return is assumed, so a rising or falling market would move the date either way.
| months of contributions | which is | |
|---|---|---|
| $100 a month | 80 months | 6 years and 8 months |
| $250 a month | 32 months | 2 years and 8 months |
| $500 a month | 16 months | 1 year and 4 months |
| $1,000 a month | 8 months | under a year |
the whole list
every cost, from the PDS
The subscription is the one you see each month. These are the rest, as section 7 of the PDS sets them out.
| what it is | who pays, and when | |
|---|---|---|
| the subscription | $10 a month, including GST. The PDS calls it the investment manager’s platform fee. | You, every month. |
| the buy-sell spreadA small difference between the price you buy units at and the price you sell them at. It stays in the fund to cover the cost of trading when money moves in or out. | 0.1% of what goes in, and 0.1% of what comes out. | It comes off the amount, and it stays in the fund. |
| fees to open, add, withdraw or close | $0 each. | Nobody. |
| brokerage and transaction costs | What it costs the fund to trade. The PDS’s example estimates $100 a year on a $50,000 balance. | The fund, as it trades. |
| responsible entity and administrator fees | Charged on the size of the fund. | inaam pays them. The PDS notes they would fall on the fund only if inaam failed to pay. |
| a performance fee | 20% of the amount by which the fund beats its benchmark in a quarter, subject to a high water markThe fund’s previous peak. A performance fee is only charged on gains above it, so the same gain is never charged twice.. | The fund, and only after it has first passed $10 million. |
On a balance of $50,000, with $5,000 added during the year, the PDS puts the cost for the year at $225 before any performance fee: the $120 subscription, $100 of brokerage and transaction costs, and $5 of spread on the $5,000 added.
The same example adds a performance fee of between $0 and $1,000, for a year in which a fund of $10 million beats its benchmark and high water mark by 10%.
That example is in section 7 of the PDS, with the assumptions behind it.
the fee, answered straight.
is $10 a month expensive on a small balance?
As a share of the balance, yes. $120 a year is 24% of $500 and 12% of $1,000. It is 1.5% of $8,000 and 0.2% of $50,000. A flat fee suits a balance that is growing. On a small balance that will stay small, a fee charged as a percentage costs less.
when does a flat fee cost less than a percentage fee?
When $120 is a smaller share of your balance than the percentage you would otherwise pay. Against a 1.5% fee that point is $8,000. Against a 1% fee it is $12,000, and against a 0.5% fee it is $24,000. Divide $120 by the percentage you are comparing with to find your own.
does the $10 a month come out of my investment?
No. The subscription is separate from the money you invest. The minimum to invest in the fund is $100, and that money buys units in the fund. The PDS lists the subscription as a fee paid every month by the investor.
what other costs are there?
A buy-sell spread of 0.1% applies when money goes into the fund and again when it comes out, and it stays in the fund to cover its trading costs. There is no establishment fee, no contribution fee, no withdrawal fee and no exit fee. The fund itself bears brokerage and transaction costs as it trades. The responsible entity and administrator fees are paid by inaam rather than deducted from your balance. There is a performance fee of 20% of the amount by which the fund beats its benchmark, subject to a high water mark, and it only starts once the fund has passed $10 million. All of it is in section 7 of the PDS.
what is the 1.5% you compare against?
It is the cost of a fund, a platform and an adviser together, from a worked example published by ASIC’s Moneysmart. If you invest without an adviser, compare against the fund and platform fees you would actually pay, which will be lower, and the break-even will be higher. Moneysmart’s managed funds fee calculator shows what a percentage fee adds up to at your own balance.
where to next
keep going
one price, written down.
$10 a month for the subscription and $100 to start in the fund. Sign-up happens in the app.
money with a mission.
The fund lives in the app. Download it, read it over a coffee, customise your themes.
General information only. Consider the PDS and TMD before investing.
