Protected Loan

Commonwealth Bank offers a fixed-term Protected Loan that allows you to borrow money to build a share portfolio for yourself or your self-managed super fund (SMSF).  Now available under The Options and Lending Facility, the Protected Loan could help you to:

1. invest with a level of protection at maturity*
2. diversify an existing share holding and manage risk
3. borrow to invest tax-effectively
4. gear without margin calls
5. receive dividends and franking credits
6. gear within your SMSF

The Protected Loan also gives you the flexibility you need to create a geared portfolio tailored to your investment strategy.  For example, you can choose the gearing and protection level; investment term; frequency of interest payments; and, of course, the shares in your portfolio, to ensure that it meets your individual investment objectives. 

To find out more, view our latest video series: Protected Loans – Everything You Need to Know

Product Information

• Protected Loan flyer
• Options flyer
• Product Disclosure Statement
• Approved Shares
• Tax effective gearing for SMSFs fact sheet
• Taxation Guide

Case Studies

• Transitioning to retirement strategy for SMSFs
• Mitigating risk for SMSFs in uncertain markets
• Maximise your deductions this financial year
• Creating long term wealth within super
• Mitigating the risk of margin calls in times of volatility
• Extracting cash and creating wealth through protected lending
• Reducing the interest rate on your Protected Loan
• Exercising company options and purchasing shares with protection
• Writing call options within a Protected Loan to generate income

For more information, 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.

 
*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.

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.
 

• Risk Disclosure
  The Options and Lending facility provides sophisticated financial products which may involve gearing and dealing in derivatives. Unless you are familiar with the effects of gearing and derivative dealings and such products and the risks involved, these products may not be suitable for you. Potential investors should read the Product Disclosure Statement for a full disclosure of the main risks and costs involved.
  
• 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.
  
  The Protected Loan is offered under The Options and Lending Facility, a product of Commonwealth Bank of Australia ABN 48 123 123 124 and is administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 (CommSec), a Participant of the ASX Group. A Product Disclosure Statement is available for The Options and Lending Facility and should be considered before making any investment decision about this product. Bank and Government charges apply. Applications for Protected Loans and Interest in Advance Loans are subject to Commonwealth Bank’s normal credit approval. The Options and Lending Facility provides sophisticated financial products which may involve dealing in derivatives. Unless you are familiar with derivative dealings and such products, these products may not be suitable for you.