Help & support
It can be tough knowing where to start your investment journey – from how much you need to start investing, to what you need to think about. The good news is you’ve taken the first step by starting to research.
Keep reading for some investment options and resources to help you along the way.
Saving is a way to store money for when you need it in the near term, whereas investing is about acquiring growth assets or assets that generate income, with the aim of building your wealth over the long term. The key differences between both are defined by risk tolerance, investment timeline and personal financial goal(s). So, what does that mean?
Saving is a process of putting aside money for use in the near future which pays you an amount of interest over that period.
Investing is a process of creating wealth in the future with long-term goals.
To understand the difference between investing and savings, here is a graph of how $10,000 has performed if invested in the Australian share market compared to earning interest in cash deposits over 25 years from 1996 to 20221. This covers periods of share market volatility such as the Asian market crash (1997), DotCom Bubble (2000), Global Financial Crisis (2008), and the COVID-19 Market down-turn (2020) to name a few.
You can choose from a range of different investment options suitable for budgets as little as $2 to large-scale portfolios.
Everyday Investing
Everyday Investing allows you to invest in a range of professionally designed funds with as little as $2 per investment. Each fund is designed to suit different risk profiles and investment goals.3
Minimum investment: $2
Fees: Monthly access fee is $0 where total account balance is less than $1,000. A $2 fee applies for total account balance of $1,000 or more.
Management fee is 0.035% p.a.
Transaction cost of 0.05% p.a.
OFFER
$0 monthly access fee for a limited time
Available to new and existing Everyday Investing customers. T&Cs apply+
CommSec Pocket ETFs
ETFs (Exchange Traded Funds) are a cost-effective way to invest in a group of companies within a specific theme, industry or index. CommSec Pocket ETFs gives you affordable access to 10 specially selected ETFs.
Minimum investment: $50
Fees: Brokerage fee from $2 for transactions up to and including $1,000 or 0.20% for transactions over $1,000.
Late settlement fee is $10.
OFFER
Pay $0 brokerage on ETFs
Available to new and existing Pocket customers. Limited time offer. T&Cs apply~
CommSec Aussie Shares
CommSec Australian Shares offer you access to over 2,000 Australian shares, listed property and a wide range of ETFs. This gives you the choice to build your share portfolio as you like.
Minimum investment: $500
Fees: Brokerage fee from $5 for transactions up to and including $1,000 to 0.12% for transactions over $25,0002 for trades settled using a CDIA.
Click here for full schedule of fees
OFFER
Get started with $0 brokerage
New to CommSec customers can enjoy $0 brokerage on up to 30 trades. T&Cs apply*
Some important considerations include your personal goals, investment timeline and risk appetite.
These should align with your choice of investment, the fund’s investment objectives, and risk profile.
Additional considerations include:
It’s always important to learn as much about what you are investing in so that you can understand what are potential factors that can affect the performance of that investment.
As always, remember that investing carries risk. Past performance is not an indicator of future performance, and you should consider all reasonable factors when making an investment decision.
To help you learn more about investing, head to ‘Learn’ on Investing hub, available to all CommBank app users.
Simran Kaur, the founder of Friends That Invest, breaks down investing education and money mindset into easy-to-understand knowledge bites.
Check in on the weekly snapshot of the share market news and insights available every Monday in Investing hub insights.
Host Jamila Rizvi explores how it all works, gaining confidence in what you are buying, and what to do once you’ve bought your first shares, this podcast will continue guiding you through the whole process to help you become a confident share market investor.
You can invest directly from your CommBank app.
Simply log in, tap the ‘Investing hub’ tile from your app dashboard or Library.
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+ The Access Fee waiver offer is available to eligible new and existing Everyday Investing customers.
To be eligible, you must open or hold an Everyday Investing Account between 1 April 2026 and 30 September 2026.
As part of the offer, the Access Fee on your Everyday Investing Account will be waived from 1 April 2026 to 30 September 2026 (Offer Period).
Outside this Offer Period, the usual Access Fee applies where the total balance in your Everyday Investing Account is $1,000 or more.
For reference, the Access Fee is a monthly $2 fee and will be charged where the total balance in your Everyday Investing Account is $1,000 or more. The balance will be assessed on the last calendar day of the month and charged within the first 7 business days of the following month. The Access Fee will only be charged from the second month following the establishment of an Everyday Investing Account. The Access Fee is debited from your Linked CommBank Account.
Everyday Investing Terms and Conditions and other standard fees and charges apply, refer to Everyday Investing Terms and Conditions and Product Disclosure Statement. This offer is not redeemable for cash, is not transferable, and may be withdrawn, amended or extended by CommBank at any time.
~ "$0 brokerage on CommSec Pocket trades" offer available to all CommSec Pocket customers during the offer period defined as 20th April 2026 to 17th July 2026 (inclusive) ("Offer Period").
Offer eligibility: This offer applies to all eligible trades executed during the Offer Period through the CommSec Pocket App or CommBank App.
For one-time trade orders: Zero brokerage applies to trades executed during the Offer Period.
For recurring investment orders: Zero brokerage applies to each trade execution that occurs during the Offer Period. Trade executions outside the Offer Period will incur standard brokerage charges.
Important: Any trade executed outside the Offer Period will incur standard CommSec Pocket brokerage charges, regardless of when the original order was placed or scheduled.
This offer applies only to ETFs available on CommSec Pocket and does not apply to CommSec Share Trading Account trades, International Share trades, Exchange Traded Options or Margin Lending.
No brokerage fee will be shown on the CommSec Confirmation Contract Note issued for applicable trades. This offer is not redeemable for cash and is not transferable. Standard CommSec Pocket Terms and Conditions apply. We reserve the right to withdraw or modify this offer at any time. For any queries on this offer, please contact us on 13 15 19.
The information has been prepared without taking into account your objectives, financial situation or needs. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regards to their objectives, financial situation or needs, and, if necessary, seek appropriate professional advice. You can view the CommSec Pocket, Financial Services Guide and the Best Execution Statement.
Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited.
* $0 brokerage on your first 30 trades offer is available exclusively for eligible new to CommSec customers.
To be eligible, new customers must:
Open either an Australian Shares, International Shares, or Exchange Traded Options trading account between 1 April 2026 and 30 April 2026; and
Settle their new trading account through either a CommSec Margin Loan or a Commonwealth Direct Investment Account (CDIA)
The offer will be applied to your new trading account from 1 May 2026 if you have met the above eligibility criteria on 30 April 2026.
As part of the offer, you will receive $0 brokerage on up to 30 trades with a maximum trade value of $50,000 each for orders placed between 1 May 2026 and 31 October 2026. Trades must be placed online via the CommSec website or app platforms.
Trades above $50,000 will incur standard brokerage charges. Taxes and fees including FX will apply to International trades. Standard CommSec brokerage charges apply for orders placed or amended outside the period 1 May 2026 to 31 October 2026. For CommSec standard brokerage charges, view the CommSec Financial Service Guide. No brokerage fee will be shown on the CommSec trade confirmations issued for applicable trades under this offer. For eligible International accounts, the offer will be applied to the account type selected at the time of application (International Standard or International Plus). Changes to the International account type during the campaign period will result in loss of the offer. This offer is not redeemable for cash and is not transferable.
The offer is not valid in conjunction with any other offer and not open to existing CommSec customers. This offer does not apply to CommSec Pocket trades. You are not eligible for this offer if you have closed a pre-existing trading account (either Australian Shares, International Shares or Exchange Traded Options) on or after 1 April 2026.
Applicants must be 18 years or over. We reserve the right to terminate this offer or amend these terms and conditions at any time without notice. For any queries on this offer, please contact us on 13 15 19.
1 Past performance is not an indicator of future performance. Sourced from Reuters, Real Estate Institute of Australia, CoreLogic and IRESS. Data from: 1996-2022 – to 30 June.
2 Brokerage fees applied for trades placed online (via website, mobile apps or other platforms) and settled via a CDIA or CommSec Margin Loan. Different brokerage fees apply if settled using a non-CDIA bank account, traded over the phone, deceased estates and if a third party is required. View full list of fees and charges.
The Commonwealth Direct Investment Account (CDIA) is issued by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. This product is administered by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec), a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia. CommSec is a Market Participant of ASX Limited and Cboe Australia Pty Limited, a Clearing Participant of ASX Clear Pty Limited and a Settlement Participant of ASX Settlement Pty Limited. The target market for the CDIA can be found within the product’s Target Market Determination, available at commbank.com.au/tmd.
The information has been prepared without taking into account your objectives, financial situation or needs. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regards to their objectives, financial situation or needs, and, if necessary, seek appropriate professional advice.
You can view the CommBank Transaction Savings and Investment Account Terms and Conditions, CommSec Share Trading Terms and Conditions, CommSec Pocket Terms and Conditions, Best Execution Statement , International Shares, Exchange Traded Options and CommSec Margin Loan T&Cs and PDS and Financial Services Guide, and should consider them before making any decision about these products and services. Consider the PDS for each ETF prior to making an investment decision. Past performance is not indicative of future performance.
To operate a CommSec Pocket account, you’ll need an eligible CommBank transaction account. Please consider the full terms and conditions which are available on request. CommSec Pocket is free to download however your mobile network provider may charge you for accessing data on your phone. Investing carries risks. The value of your investment may go down as well as up. The minimum allowable size of your investment is subject to fluctuations in ETF unit prices. Brokerage is charged at $2 per trade, for trades up to $1,000 and 0.20% for trades above $1,000. Consider the PDS for each ETF prior to making an investment decision. Past performance is not an indicator of future performance.
3 Colonial First State Investments Limited (CFS) ABN 98 002 348 352, AFSL 232468 is the responsible entity of the managed funds and issuer of the financial products offered under Everyday Investing. The Everyday Investing suite of financial products are distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CommBank). Commonwealth Private Limited (CPL) ABN 30 125 238 039, AFSL 314018, a wholly-owned non-guaranteed subsidiary of CommBank has been appointed as the Investment Manager by CFS for the managed funds. The CFS Group consists of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (HoldCo) and its subsidiaries, which includes CFS. CommBank holds an interest in the CFS Group through its significant minority interest in HoldCo.
This information may include general advice but does not take into account your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it.
The Target Market Determination (TMD) for the financial products can be found on Everyday Investing Important Documents and includes a description of who the product is appropriate for and any conditions on how the product can be distributed to customers. You should read the Terms and Conditions (T&Cs), Product Disclosure Statement (PDS) and Financial Services Guides (FSGs) carefully before making a decision about acquiring or continuing to hold these products and consider talking to a financial adviser before making an investment decision. You can get the T&Cs, PDS and FSGs on Everyday Investing Important Documents or by calling 13 22 21.
The CommBank app is free to download, however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available on the app.
