Investments

Superannuation

Call 13 1998

Medium term investments

Whatever your medium term requirements, we have a range of solutions to help you meet your investment goals.

Equity-linked investments
These investments offer a 100 percent capital guarantee at maturity and the opportunity for investors to earn a return in excess of traditional deposit or short-term money market rates.
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Capital series
This is a suite of investments offering diversified exposure to global markets and various asset classes, including equities, currencies, commodities and emerging markets.
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Term deposits
If you don’t need instant access to your money, our term deposits guarantee a fixed interest rate, with a range of terms and rate options.

Cash deposit account
Our cash deposit account offers a range of investment alternatives to help build your investment portfolio. You can select the term that best suits you, from overnight up to five years.

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 (e.g. 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 investment advisers, 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.

Floating rate notes
Floating rate notes are generally for investors with $500,000 or more to invest. They are a medium-term bond that achieves returns at a fixed margin above a floating benchmark, generally the 90-day bank bill swap rate.

Mortgage-backed securities
Mortgage-backed securities are generally for investors with $500,000 or more to invest. Investors receive payments of principal and interest in increments over the life of the security.

Farm Management Deposit Account
Our Farm Management Deposit Account's a tax-effective investment that allows primary producers to set aside pre-tax income in good years, to establish cash reserves to help meet costs in other years.

Flexi Bill Solutions for investors
These solutions allow you to actively manage interest rate risk by purchasing a series of securities. They are available for those with more than $100,000 to invest and include:

Flexi Bill Solution – Investment Boost
This facility allows you to earn enhanced returns equal to or above the 90-day bill rate up to an agreed maximum.
Flexi Bill Solution – Investment Guarantee
This facility allows you to take advantage of increases in the bill rate while protecting you against falls below an income level you wish to protect.
Flexi Bill Solution – Investment Range
This facility allows you to take advantage of small increases in bill rates up to a pre-determined maximum rate while guaranteeing you a minimum return on your investment.
Flexi Bill Solution – Investment Reset
This facility protects you from any downward movements in bill rates over the term. On an agreed date you may reset your fixed investment rate to take advantage of any increases in bill rates.
Flexi Bill Solution – Investor Step
This facility provides you with the flexibility to determine when your interest income is earned by having the interest rate ‘stepped up’ or ‘stepped down’ at each quarterly roll.
Flexi Bill Solution – Future Start Investment
This facility allows you to set your interest rate in advance, with the flexibility to reset the rate on the specified lodgement date should investment rates be higher.