Investing

We understand that the amount of money you have available for investment in your business will not only fluctuate year to year but will be highly dependent on your seasonal income.

Our short and long-term investment options are tailored to your circumstances, ensuring there is a solution for every stage of your life.

Flexible investment options
A flexible investment option allows you to earn interest while ensuring easy access to your money.

A Farm Management Deposit Account offers competitive returns and helps you manage risk. It is a tax-effective investment facility that allows primary producers to set aside pre-tax income in good years to establish cash reserves and help meet costs in more difficult times.

Our Cash Deposit Account offers easy access and attractive terms.

Security investments (such as negotiable certificates of deposit or bills of exchange accepted or endorsed by Australian banks) are alternatives to cash accounts. They offer competitive rates that are fixed until the investment matures.

Term deposits
If you have a lump sum that you do not need for a while, you might like to invest it in a term deposit.

Building an alternative source of income
Whether you are thinking of retirement, planning for your family’s education, diversifying your investment portfolio or arranging for your farm or agribusiness to be transferred to the next generation, AgriAdvantage packages can help you gain financial security.

Diversification is an important part of any investment strategy. To help you diversify your asset base, we offer home and investment home loans, security investments, cash deposit accounts and term deposits.

Retirement planning
Investing for retirement can take many forms. As well as superannuation, we offer term deposits and investing in shares through CommSec.

• Important information about advice
  As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances.
  
  Farm Management Deposit Accounts, cash deposit account, term deposit, security deposits – negotiable certificates of deposit (issued by the Commonwealth Bank of Australia (the Bank)) and security deposits – negotiable certificates of deposit (issued by a bank other than the Bank) are offered by the Bank. View the Bank's Financial Services Guide (PDF 59kb).
  
  View disclosure documents for Farm Management Deposit Account General Information and Terms & Conditions (PDF 2.53mb), Cash Deposit Account (PDF 567kb), term deposit (PDF 92kb), security deposits – negotiable certificates of deposit (issued by the Bank) (PDF 429kb) and security deposits –  negotiable certificates of deposit (issued by a bank other than the Bank) (PDF 393kb) and consider them before making any decision about these products.
  
  
  Other important information
  Commonwealth Securities Limited ABN 60 067 254 399 (CommSec) is a wholly owned but non-guaranteed subsidiary of the Bank and a Participating Organisation of the Australian Stock Exchange.