Structured investments
What we offer
The Bank offers a range of protected lending, gearing and yield-enhancing investments. Whether you’re a wholesale or retail investor, we can help tailor solutions to meet your specific investment needs.
The range of innovative products and solutions currently available for you to take advantage of include:
What are structured products?
Structured products come in many forms and are a combination of standard financial instruments to form a single investment solution. Created to meet the specific needs of investors, structured products are inherently flexible – a solution can be found to match just about every investment objective.
Structured products can be used as an alternative to a direct investment, as part of the asset allocation process to reduce the risk profile of a portfolio or to capitalise on a current market trend.
Benefits of Structured Products
Depending on the structure, benefits of structured products may include:
| Benefit | Description |
|---|---|
| Protection | A "capital protection" feature may offer principal protection, usually up to an agreed level if the investment is held to maturity, giving the investor peace of mind in times of high volatility. |
| Capital growth | Investment returns can be generated in rising, falling or ‘range-bound’ markets and based on the price performance of numerous asset classes including equities, interest rates, currencies, precious metals, managed funds, hedge funds, real estate, loans and commodities. |
| Income | Fixed or variable income may be payable for some structures during the investment term and based on the performance of the underlying asset. |
| Risk control | Investors have the ability to control the degree of investment risk they are willing to accept, from leveraged products (generally higher risk) to capital-protected products (generally lower risk). |
| Tax efficiency | Some structured products may allow you to borrow to invest, thereby offering potential tax benefits. |
Like to know more?
Retail investors can call 13 15 20 from 8am to 5pm (AEST), Monday to Friday or email directfundsphoneteam@cba.com.au
Wholesale investors and Financial Advisers can call 1300 786
039 from 8am to 6pm (AEST), Monday to Friday or email structuredproductsdirect@cba.com.au
Standard & Poor's Fund Awards 2010
Commonwealth Bank were nominated as a finalist in the newly created structured products category of the Standard and Poor’s (S&P) Fund Awards for 2010.
- *Capital Protection will generally only apply at the Maturity Date and is subject to risks, limitations and conditions. Please refer to the Product Disclosure Statement for more information.
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Important information
As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this information, consider its appropriateness to your circumstances.
Structured products are sophisticated financial products which may also involve dealing in derivatives. Unless you are familiar with derivative dealings and such products and the risks and costs involved, these products may not be suitable for you.
This information is provided by Commonwealth Bank of Australia ABN 48 123 123 124. Where the relevant product is offered to retail clients, a Product Disclosure Statement (PDS) is available on this website and should be considered before making any decision about the relevant product. Where the relevant product is not offered to retail clients relevant transaction documents are available by contacting 1300 786 039. For financial advisers and clients who are wholesale clients or sophisticated investors (as defined in the Corporations Act 2001).
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