Our journey, and the innovation of Tanggram began back in 2016, as the first Australia's smart wealth creating app. We dedicate our mission towards helping everyday people make money through investing.
With Tanggram, everyone can experience and enjoy our fun rewards schemes, endless investment opportunities, attractive target returns, and steady monthly income. We provide you with easy access to Aussie investment options that were historically available to institutional investors.
In 2020, we launched the Tanggram App, with two investment options: "Seed" and "Spark". These two options offer everyone a potential steady income stream.
Within just one year, over 70,000 people have joined us on our journey and we're only just getting started.
We’re teaching everyone that investing can be simple, easy, and fun. The way it always should be.
We think and act from our user’s perspective. We are dedicated to offer investment opportunities with more transparency, less complicated processes and lower access fees. We would like to lead our generations to build and grow their wealth easily.
Tanggram is committed to give back to our community. It is our core value and we strive to uphold it throughout our company. A portion of our profits will go to charities.
By using the Tanggram Platform, you can build your own investment portfolio by investing into the thing that matters to you the most. You will also receive rewards in the form of T-Points via in-app spendings and shopping from partnered merchant stores. Together, by making regular investment contributions and boosting your investment portfolio using T-Points, we help you to reach your goal in a smarter fashion without breaking a sweat. You can also invite your family and friends on board to grow wealth together and receive more bonuses.
Simply register with your phone number, then enter the activation code we sent to you, your email address and your password. Your registration is done!
Please confirm you entered your mobile number correctly and make sure it is a valid Australian mobile number. You can always contact us via email or call us for help.
Just click “Forgot Password?” at the login page. We will send a security code to your email address to reset your password. If you didn't receive the security code, please contact us via email or call us for help.
The Tanggram Platform is free for all users. Tanggram aims to minimize any service charges to all of our customers and merchant partners. We are committed to transparency, and all fees associated with an investment in the Tanggram Investment fund(s) are set out in the fund’s Product Disclosure Statement (PDS) and Target Market Determination. The indicative targeted returns of the investment options are all AFTER FEES.
You will receive shopping rewards in the form of T-Points (1 T-Point = AU$ 1), from in-app spendings and other events/campaigns.
You can use your shopping rewards (T-Points) to boost your chosen Tanggram investment option once you have accumulated 50 T-Points. You can combine it with your initial investment or add it into your existing investments directly!
For example, if you’d like to invest $2,000 into the Seed investment option, you can combine 50 T-Points with $1,950 from your own pocket.This also applies to other Tanggram investment options, subject to terms and conditions.
You can earn T-Points through shopping in-app, once your order has been fulfilled, you should be receiving the rewards (T-Points) after 5 business days. Alternatively, you can earn it by referring friends to download the Tanggram app, you will receive up to 10 T-Points subject to terms and conditions.
Currently we will reward you the T-Points with the exchange rate of: 1 T-Point = AU$ 1.
It is so simple and easy to invest in the Tanggram app. Just a few clicks and you are done!
1. Choose from Tanggram Seed or Tanggram Spark.
2. Set your initial investment amount.
3. Provide you financial info such as bank account and TFN.
4. Complete your ID check.
The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act 2006) obliges financial institutions to collect and verify certain ‘information about a customers’ identity when providing financial products and services. If you invest in the fund we will ask for some basic information so that we can confirm your identity. Your money will not be invested until your identity is verified.
You can be sure that we will take care of any information you provide and that our procedures will be in keeping with Privacy Act 1998.
We require your bank account details to pay you any income distributions and satisfy your withdrawal requests. If you would like to change your nominated bank account, please contact our customer support team via email or livechat. We may require further verification before your change is processed in accordance with our anti-fraud procedure.
You are not required to provide your tax file number (TFN) during the initial application to the fund. However, if you do not provide your TFN, any distributions from the fund may be withheld tax at the top marginal rate, currently 49%.
The application process is all digital through the app. It is simple and straightforward by following the instructions. Read the PDS of the fund before you decide to invest in the fund. Feel free to contact us via email or livechat for any further assistance.
Yes. Currently the minimum investment amount required is $1,000 for Tanggram Seed and $5,000 for Tanggram Spark. Please refer to the relevant supplementary PDS (SPDS) for your preferred Investment Option.
Yes. Currently, the minimum investment period is 3 months for Tanggram Seed and 6 months for Tanggram Spark. Please refer to the relevant SPDS for your preferred Investment Option.
Both partial and full withdrawal options are available in the App with a simple tap.
Information about how to make a withdrawal from the fund is set out in the relevant SPDS for your preferred Investment Option. Check out the SPDS here.
You can close your account on the Tanggram App anytime by sending a written notice to firstname.lastname@example.org, quote your Tanggram ID and our support team will assist you on that.
There are no withdrawal fees unless you request to withdraw it before satisfying the minimum investment period. Please refer to the PDS for the fund and the SPDS for your preferred Investment Option for more information. Check out the PDS and SPDS here.
A product disclosure statement is a document that contains information about a financial product. The PDS for the Tanggram Investment fund contains relevant to an investment in the fund, including any significant benefits and significant risks, the costs associated with an investment in the fund and the fees and charges that Tanggram may receive. It is available on our website and through the Tanggram App. You should read the PDS carefully before deciding to invest into Tanggram Investment fund.
The fund provides investors the opportunity to select from different Investment Options, each offering investors exposure to a different portfolio of underlying managed funds selected by Tanggram. Each Investment Option may also have a different target return, risk profile and withdrawal rights.
A supplemental product disclosure statement (SPDS) will be issued in respect of each Investment Option which will set out its specific details.
Yes, and we are encouraging you to do so to create your own personalized investment portfolio.
Yes. Every investment comes with the risk. The investment returns are variable and paid monthly. The rates of return are not guaranteed and are determined by the future revenue of the underlying credit fund portfolios. For more information about our investment strategy and risks please refer to the relevant sections of the PDS which is available on our website.
You can either choose to reinvest your distribution into the underlying investment option, or to have them paid into your nominated bank account monthly.
Distributions of income will be paid on a monthly basis. Please refer to PDS and SPDSs for more details.
You may need to pay tax on any distributions earned through an investment in the fund, as well as upon your exit from the fund. Your taxation position will depend on your individual circumstances and you should seek your own taxation advice in relation to the taxation of any income distributed by the fund.
The Administration Manager for the fund will provide you a taxation statement at the end of each financial year.
No. There are no fees payable on $0 balances.
Refer your friends to join Tanggram and receive T-Points rewards for both of you.
You can make a referral by letting your friends scan your unique QR code, sending them an invitation link or an invitation code. Check out the referral options in the ‘My Account’ tab under ‘Refer Friends’.
The responsible entity (RE) of the Tanggram Investment fund takes complaints seriously and aims to resolve them as quickly as possible.
The Constitution sets out the procedure by which the RE is to receive, consider, investigate and respond to complaints by investors who are dissatisfied with the management or administration of the fund. Applicants and Unitholders who wish to make a complaint about the fund should contact the RE by telephone on +613 8352 7120, by email to email@example.com or in writing addressed to:
The Complaints Officer
Vasco Trustees Limited
Level 4, 99 William Street
Melbourne VIC 3000
The RE will acknowledge a complaint as soon as practicable after receiving it and will notify the complainant of its decision, remedies and other information within 45 days of the complaint being made.
The RE is also a member of the Australian Financial Complaints Authority (AFCA) which provides an external complaints resolution scheme. Complaints that cannot be resolved by the RE to your satisfaction can be taken to AFCA. You can contact AFCA:
1800 931 678 (within Australia)