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CD Portfolio Pty Ltd manages the capital of one family from Camberwell, Melbourne.

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CD Portfolio Pty Ltd was established on 1 January 2023 to manage the capital of one family. The office is at Level 3 / 685 Burke Road, Camberwell VIC 3124. It does not accept external capital.

Family office ledger on a walnut desk

Why the office was established

Before 2023 the family's affairs were handled by external advisers and brokers across several accounts. Consolidating them onto one balance sheet brought reporting, fees and decision rights into a single document.

How the office operates

  • One balance sheet and one Investment Policy Statement, reviewed annually.
  • Capital allocation decided by the family; day-to-day execution by the office.
Boardroom detail
Selected Work

Portfolio

Two of the six positions on the balance sheet.

Melbourne Inner-East Office Portfolio
Real Assets

Melbourne Inner-East Office Portfolio

Four commercial properties across Camberwell, Hawthorn and Kew, anchored by long-standing professional services tenants.

Acquired 2023–2024View →
Family-Business Partnership
Private

Family-Business Partnership

A direct partnership with a Melbourne family manufacturer, structured for continuity rather than for exit.

Established 2024View →
Since 2023

Milestones

From external adviser relationships to a single documented balance sheet.

2023

The office is established

CD Portfolio Pty Ltd was incorporated on 1 January 2023. Multiple accounts held by external advisers and brokers are replaced by a single balance sheet.

2023

The first Investment Policy Statement

The family adopts its first written policy: asset class ranges, a 3% cap on any single position, no leverage, and a twelve-month liquidity reserve.

2024

Real assets and private partnerships

Direct property in Melbourne's inner east and the first family-business partnership are added. Income from these sleeves covers operating costs.

2026

Reporting on a fixed calendar

Reporting, custody and external manager reviews run to a fixed annual calendar.

Structure

What changed

Every position is visible on one balance sheet instead of across several adviser-held accounts.

One written policy sets asset class ranges, position limits and required liquidity, reviewed annually by the family.

Costs are disclosed line by line. Soft commissions, referral fees and product rebates are not accepted.

The custodian holding the assets is separate from the entities that provide advice.

The office holds no external capital and charges no management fee to outside parties.

FAQ

About the office

Questions advisers and researchers ask about the structure, the licensing position and the use of external providers.

Reporting was spread across several institutions, recommendations arrived attached to products, and no single document recorded what the family wanted the capital to do. Consolidating onto one balance sheet addressed all three.

Reporting consolidated from several institutions into a single quarterly record. Fees became visible line by line, with external managers paid on assets under management only.

Decision rights were written down: the family sets policy and signs off on material deviations, while the office implements within the agreed ranges.

There is no sales function and no investor relations team. Audit, custody, specialist tax and legal advice are engaged from external firms.

Yes. The majority of the book is Australian, where franking credits apply to the family's tax position. A smaller international sleeve provides currency diversification and exposure to cash flows not available on the ASX.

The office manages its own capital and does not provide financial services to the public, so it does not hold an Australian financial services licence for that activity.

Tax structuring, superannuation, insurance and estate planning are referred to licensed external professionals.

An external manager is paid on assets under management only, accepts no soft commissions, referral fees or product rebates, and is reviewed against the family's objectives.

Custody sits with an independent custodian, separate from the entities that advise the office.

Structural arrangements are reviewed as part of the annual Investment Policy Statement process. Nothing here is an offer of financial services to the public.

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  • Commercial information is treated as confidential.