Long term investments

We offer a range of attractive long term investments to help you meet your future business or personal needs or prepare for retirement.

Term deposits
If you don’t need instant access to your money, our term deposits provide a fixed interest rate with a range of terms and interest payment options.

Cash deposit account
Our cash deposit account has a range of investment alternatives to help build your portfolio. It offers competitive interest rates, so you can select the term that best suits you, up to five years.

Bonds (government, semi-government and corporate)
Bonds are financial securities issued by government and semi-government authorities and corporations as a means of raising medium to long term funding. These securities are generally fixed term investments with a fixed rate of interest. Bonds can provide a fixed income stream and enable you to diversify your investment portfolio in terms of risk profile and investment type.

Managed investments
Managed funds pool the money of many individual investors. This money is then invested by a professional fund manager in different asset classes (eg shares, property and bonds) in line with the fund’s stated investment objectives.  For some investors, managed funds provide the right amount of control without the time consuming hands-on management required by direct investing. The Commonwealth Bank offers a range of managed funds through Colonial First State’s FirstChoice platform. 

Financial advice
Keeping up with constant changes in laws and regulations about tax and superannuation, understanding market movements and keeping track of various investments can be a minefield. Most people just don’t have the time to stay up to date with all these issues, but it’s something financial planners do every day.

Whether you’re just starting out in your career, mid-way through, or retired, a well structured financial plan could help you achieve your financial goals faster. If you already have a financial plan, it’s wise to review it with your financial planner at least once a year. This will ensure your investment strategies remain appropriate to your current needs and that you are on track to meet your goals. Even slight adjustments can make a big difference to your savings over the long term.

The Commonwealth Bank Group has access to a range of advisory services for individual and business clients through its vast network of financial planners, insurance specialists and brokers. We specialise in advice relating to:

• Retirement planning
• Transition to retirement strategies
• Managed funds, direct shares, derivatives, IPOs and other investment vehicles
• Tax-effective investments
• Borrowing to invest
• Debt management
• Personal insurance
• Business insurance including buy/sell and key person insurance
• Superannuation including self managed super funds
• Centrelink entitlements

• Important information. This document contains financial product advice of a general nature only and is not intended to constitute personal advice. It does not take into account your particular investment objectives, financial situation or needs and accordingly, you should consider the appropriateness of this information in light of your own circumstances. We recommend that you obtain professional advice.
• Commonwealth Bank of Australia and its subsidiaries do not guarantee the performance or the repayment of capital or earnings by the Fund. Investments in Colonial First State are not deposits or liabilities of Commonwealth Bank of Australia or its subsidiaries and investment-type products are subject to investment risk including loss of income.