Starlight Smart Invest Investing Simplified, Returns Maximised

Starlight Smart Invest. Investing Simplified, Returns Maximised.

Directly invest in tax efficient diversified Model Portfolios designed to reflect global indices such as the S&P 500, NASDAQ 100 and more.

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// ABOUT STARLIGHT SMART INVEST

Equity Investment Simplified: Curated Model Equity Portfolios eligible for CGT Treatment, with seamless reporting and 24/7 control

Directly invest in tax-efficient model equity portfolios, designed to reflect major global equity indices such as the S&P 500, NASDAQ 100 and Eurostoxx 50, all professionally curated by the experts at Starlight
Simply complete our digital investment questionnaire and let the experts at Starlight recommend the specific Smart Invest Model Portfolios most suitable for your needs
Select the Starlight Model Portfolio mix suggested by Starlight's risk profiling algorithm or do it your own way, the choice is yours
Either way, unlike funds that are subject to 38% exit tax on gains which cannot be offset against capital losses, Smart Invest Model Portfolios:
are subject to standard capital gains tax (CGT) treatment, currently 33%
allow investment gains to be offset against capital losses made/carried forward from your other capital investments
are not subject to the 'deemed distribution' exit tax that applies to ETFs after 8 years

Streamlined monthly reporting straight to your inbox and 24-hour portfolio access via Client Portal

Available to Individuals, Companies, self-invested and designated broker advised pensions (ARFs, PRBs and PRSAs)

// STARLIGHT SMART INVEST

The Starlight Smart Invest Portfolios

SMART INVEST PORTFOLIO

Bellwether

A curated portfolio of equites designed for investors seeking exposure to only blue-chip companies of major industry sectors

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SMART INVEST PORTFOLIO

Big Tech

A curated portfolio of equites designed for investors seeking exposure to a portfolio that reflects the profile of an 'equally-weighted' NASDAQ 100 Index.

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SMART INVEST PORTFOLIO

Euroscape

A curated portfolio of equites designed for investors seeking exposure to a portfolio that reflects the profile of the Eurostoxx 50 Index.

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SMART INVEST PORTFOLIO

Stars & Stripes

A curated portfolio of equites designed for investors seeking exposure to a portfolio that reflects the profile of an 'equally-weighted' S&P 500 Index.

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// HOW IT WORKS

Smart Investing at Your Fingertips: Grow Your Capital with Model Equity Portfolios tailored to your Risk Appetite and Long Term Financial Goals

Diversification - Let's Spread the Eggs!

Starlight Smart Invest offers Model Portfolios that diversify your investments across multiple sectors and regions, reducing the risk associated with 'stock picking' or concentrating your assets in a single market.

Investing Simplified - Global Expertise at Your Fingertips!

Leveraging 30+ years of global investment experience, the Starlight Smart Invest Model Portfolios take the guesswork and hassle out of day-to-day stock market investing. Select the Starlight Model Portfolio mix suggested by Starlight's risk profiling algorithm or do it your own way, the choice is yours.

Returns Maximized - You Take the Risk, You Keep the Returns!

Starlight Smart Invest seeks to provide superior returns compared to the typical Irish investment account. We don't levy upfront fees, contribution fees, allocation fees, bid-offer spreads, or other charges that erode your capital at various points of the investment cycle, and our executing broker 'fixed cost' commissions are some of the lowest in the industry. Your investments benefit from the most favourable tax treatment, providing significant benefits as you grow and compound your capital and returns over time. More of your money, in your pocket!

// MODEL EQUITY PORTFOLIOS

Model Portfolios are tailored, diversified investment portfolios that allocate investor capital across various sectors and regions, optimising returns while managing risk

Developed to provide systematic and research-driven investment solutions, model portfolios are now widely used by global investment institutions and financial advisors. Their popularity has grown due to their ability to offer curated investment strategies that align with client specific risk profiles and financial goals, leveraging advanced asset allocation techniques to enhance performance and reduce volatility.

$486

Billion

Global Investor Capital in Model Portfolios (YE 2023)

$125

Billion

Increase in Global Investor Capital in Model Portfolios (YE 2024)

19.27%

Annual Return of Bellwether Starlight's Low Volatility Model Portfolio (YE 2024)

+9.49%

Outperformance of Bellwether v. S&P500 Starlight's Low Volatility Model Portfolio (April 2025 - 'Tariff Tantrums')

Your questions, answered

Can’t find the answers you were looking for?
Reach out to us at StarlightAdvisor@starlightadvisors.ie

Is Starlight regulated?

Future Wealth Limited, trading as Starlight Advisors, is regulated by the Central Bank of Ireland as an Investment Intermediary under the Investments Intermediaries Act, 1995 and is registered as an Insurance Intermediary under the European Union (Insurance Distribution) Regulations, 2018 under institution authorisation code C496326.

Is my money safe and secure?

Starlight Smart Reserve and Starlight Smart Invest are provided via the Starlight Smart Account, a self-directed advisory investment account opened in your name with our investment broker, Interactive Brokers Ireland Limited (Interactive Brokers Ireland).

Your cash and investments in your account are ‘client assets’ and are fully segregated from the assets of Interactive Brokers Ireland in accordance with Central Bank of Ireland regulatory rules. In the unlikely event of Interactive Brokers Ireland's failure or insolvency, your assets are not available or accessible to Interactive Brokers Ireland's creditors and would be returned to you.

Starlight Advisors does not accept, hold, or have any access to your cash or investments and so in the unlikely event of our failure, your cash and investments are are not available or accessible to our creditors.

About Interactive Brokers

Interactive Brokers Ireland Limited is a MiFID investment firm regulated by the Central Bank of Ireland (Reg.C423427) and is a wholly owned group subsidiary of Interactive Brokers Group LLC, an A- publicly rated and listed global investment firm.

The firm provides trade execution and clearing services in respect of your client account. Interactive Brokers Ireland does not provide investment advice and does not, as a matter of policy, endorse or recommend any introducing brokers, third-party financial advisors or hedge funds. None of the information contained herein constitutes a recommendation, offer, or solicitation of an offer by Interactive Brokers Ireland to buy, sell or hold any security, financial product, or instrument or to engage in any specific investment strategy.

What happens if Starlight Advisors goes out of business?

Starlight Advisors does not accept, hold or have any access to your cash or investments and so in the unlikely event of our failure your cash and investments are are not available or accessible to our creditors, or impaired in any way. You have full access to your account at all times to both deposit and withdraw funds as necessary.

Is my account covered by the Ireland Deposit Guarantee Scheme?

No, as Starlight Smart Reserve and Starlight Smart Invest are investment accounts and not deposit accounts with an Irish bank they are not covered by this guarantee.

Your cash in Starlight Smart Reserve is allocated to Short-Term AAA and Sovereign Money Market Funds holding large diversified portfolios of overnight and short-term deposits of highly rated banks, short-term rated bank and corporate commercial paper, and sovereign state bonds issued and backed by France, Germany, the European Union among others. The risk of these investments compares favourably to the risk of the Irish State, the guarantor under the deposit guarantee scheme. Ireland is currently rated AA- (or equivalent) by the major range agencies.

Further, by curating a select portfolio of MMFs in Starlight Smart Reserve, your funds are spread across a number of MMFs rather than being concentrated in just a single MMF, giving you unrivalled, market leading diversification benefits in the management of your cash reserves.

What are your fees and charges?

We charge a simple transparent fee of 0.75% p.a. of the value of your assets in your Starlight Smart Account. This fee is accrued daily and charged monthly in arrears.

We do not charge any upfront fees, contribution fees, account set-up fees, fees to administer your account, fees to execute trade orders on your behalf, or if you ever decide to leave, exit fees.

As we want to do our very best for you as our client, we do not accept or retain any upfront or ongoing third-party payments or commissions from product producers such as life companies or fund managers with respect to the Starlight Smart Account, including Starlight Smart Reserve and Starlight Smart Invest.

Are there any transaction costs or commissions I need to pay?

Interactive Brokers Ireland Limited, our investment broker, charges fixed cost trading commissions on the purchase and sale of shares. These are some of the lowest in the industry.

For example with respect to the Starlight Smart Reserve model portfolio, as of January 2024, these commissions totalled €14.85 on each investment made into the Starlight Smart Reserve model portfolio regardless of the size of the investment you make. If you sell all, or some, of your investment in Starlight Smart Reserve you can expect to be charged aproximately the same trading commission on exit.

Your questions, answered

Can’t find the answers you were looking for?
Reach out to us at StarlightAdvisor@starlightadvisors.ie

Is Starlight regulated?

Is my money safe and secure?

About Interactive Brokers

What happens if Starlight Advisors goes out of business?

Is my account covered by the Ireland Deposit Guarantee Scheme?

No, as Starlight Smart Reserve and Starlight Smart Invest are investment accounts and not deposit accounts with an Irish bank they are not covered by this guarantee.

What are your fees and charges?

We charge a simple transparent fee of 0.75% p.a. of the value of your assets in your Starlight Smart Account. This fee is accrued daily and charged monthly in arrears.

We do not charge any upfront fees, contribution fees, account set-up fees, fees to administer your account, fees to execute trade orders on your behalf, or if you ever decide to leave, exit fees.

Are there any transaction costs or commissions I need to pay?

Interactive Brokers Ireland Limited, our investment broker, charges fixed cost trading commissions on the purchase and sale of shares. These are some of the lowest in the industry.

Smart Invest Portfolios

Global Expertise
Curated Portfolios
CGT Eligible
Full Allocation
No Penalties
Investing Simplified
Returns Maximized

Global Expertise
Curated Portfolios
CGT Eligible
Full Allocation
No Penalties
Investing Simplified
Returns Maximized

Global Expertise at Your Fingertips. Reach Out to Get the Ball Rolling.

At Starlight Advisors, we combine expert guidance with world-class resources creating better financial outcomes for our clients.

Let’s Start the Conversation

Global Expertise at Your Fingertips. Reach Out to Get the Ball Rolling.

At Starlight Advisors, we combine expert guidance with world-class resources creating better financial outcomes for our clients.

Let’s Start the Conversation