We believe investors are using the share market wrong.

Sharer is here to fix that.

An idea…

It all started when Daniel Kelly (Founder & CEO) observed a distinct contrast between the financial habits of his wealthy clients and those of average investors.

Wealthy clients prioritise minimal cash balances for immediate needs, investing the majority in higher interest investments or well-diversified portfolios. When needed, these investors sell portions of their liquid holdings to fund larger purchases.

In contrast, less experienced investors often consider their investments as long-term in accessible holdings (10+ years) and may avoid using them for lifestyle purchases. This can cause an investor to hold more cash than they actually need. They also tend to focus on speculative single-company investments and may lack awareness or easy access to the now diverse range of investment options available beyond individual stocks on the market.

Daniel thought about a way he could help all investors manage their money the same way the worlds richest families do. How could he provide an experience that would encourage every day investors to hold more of their wealth in assets that grow, without hindering spending flexibility?

The stock market has changed.

Gone are the days when only shares in public companies are listed on the stock market. With the rise of ETFs (Exchange Traded Funds), any investor can now also gain access to entire indexes, baskets of shares, bonds, physical gold, high yield funds and even more exotic investments such as Bitcoin.

Despite this, very few investors are aware that the stock market can be used in many more ways than just purchasing shares in your favourite companies. There was a clear gap in the market.

Daniel realised that if he could provide an easy alternative for investors that has the potential to produce higher returns than cash, they might be encouraged to invest more for growth.

A platform would be needed that made these other options simple and easy to access, that also made investors feel as though they could still use that money when they needed it.

To do this a brand new investing experience would be needed.

Invest for tomorrow. Enjoy today.

Modern investing apps often push users to either speculate on stocks like a casino or adopt very long-term investment approaches that fail to promote positive shorter term use of funds.

We believe that its possible to invest for your future whilst also enjoying your money today.

When investors want some of their money back (so that they can fund lifestyle expenses such as a new guitar, a holiday or dog!), they face the challenge of determining the optimal time to sell and what to sell.

Its common for investors to struggle to know which companies they should keep and which companies they should sell. They also have to decide if they sell all of their shares in a company or just a portion of it.

Sounds all too hard doesn’t it?

Investors need the process of investing to be made easy. Investing more needs to be easy and when needed, selling needs to be easy. The same way it is when you move money into and out of a savings account.

Daniel came up with a process to provide this experience to users.

Sharer.

Invest for tomorrow. Enjoy today.

To help create an experience that allows its user to invest for their future, while enjoying the present, Sharer will provide each investor with a Sharer Debit Card. This card will be connected directly to their investment portfolio and can be used to spend on everyday items using the value in that portfolio.

This portfolio will be held on the Sharer app and is called our “Spending Portfolio”.

Under the spending portfolio, users can choose between 12 different broadly diversified ETFs in categories of Income, Balanced or Growth.

We understand that knowing what to invest in can be intimidating, so our goals based selections will make choosing the right investment for you simple and easy.

Sick of saving for a holiday with cash balances that hardly grow? No problem. Save and pay for that holiday to Vietnam using your NASDAQ ETF!

The Sharer Debit Card offers a seamless experience connecting users to their investments like never before.

It will enable investors to spend from their portfolio on a day to day basis, providing a straightforward and convenient alternative to cash.

With Sharer, you can invest for the long term, while still enjoying the present.

Sharer is here to revolutionize the payment and investment landscapes.

A revolutionary investing experience

  • Sharer Debit Card & Spending Portfolio

    Users will be provided with a Debit MasterCard linked directly to a “Spending Portfolio” that allows them to pay for goods and services using the value in that portfolio. In a world first, low yielding cash no longer needs to be your day to day currency.

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    Gift & Receive Shares

    Users will be able to send or receive “Equity Credits” to friends, family or employers that can be redeemed to purchase investments. Give your friends a gift that grows in value not shrinks. Imagine if you had have been given shares in Tesla back in 2018? For employers, reward staff with stock in your company rather than boring gift cards.

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    Online Share Trading

    Sharer will provide a low cost traditional online share trading services with access to US and Australian listed securities. Self-directed investing will be held under a separate “Investing Portfolio” on the app. This portfolio will not have debit card access.

FAQ - Sharer Debit Card & Spending Portfolio

  • The Spending Portfolio will offer 12, highly diversified ETFs for Income, Balanced and Growth objectives. Users can select only one ETF, and all investments and payments will be in the chosen ETF.

  • Yes. You can switch your spending portfolio to another option on the app, but this will involve selling your entire holding and reinvesting the proceeds. This may incur tax implications.

  • Yes. The Sharer Debit Card will function wherever Debit Mastercard is accepted, including physical stores, online, ATMs, and more.

  • Purchases with your Sharer Debit Card automatically prompt the app to sell the necessary units from your spending portfolio. Don’t worry, you wont have to wait the standard 3 day settlement period, your purchase on the card will go through immediately.

  • Sharer’s intelligent trading algorithms will automatically sell the oldest units in your spending portfolio. This takes advantage of the 12 month CGT discount to minimize taxes on sales.

  • Sharer charges 2 - 3% transaction fee on card purchases. For example, on a $100 purchase there will be a $2-3 fee from our end. Brokerage applies to the amount sold in the Spending Portfolio at standard market rates of 0.11% of the amount sold.

Our Mission

Sharer’s mission is to help investors use the share market more effectively to grow their wealth.

By changing how its users invest, interact and spend their investments, Sharer’s mission is to help all investors make more money and reduce the wealth gap.