Things you should know:
Commonwealth Financial Planners are Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 (the Bank).
Colonial First State Investments Limited ABN 98 002 348 352, AFS License 232468 (Colonial First State) is the Trustee of Commonwealth Essential Super ABN 56 601 925 435 (Fund) and the issuer of interests in Essential Super which is a product of the Fund. A Product Disclosure Statement (PDS) for Essential Super is available from commbank.com.au/super or by calling 13 4074. You should read the PDS and assess whether the information is appropriate for you before making an investment decision. Colonial First State is a wholly owned subsidiary of the Bank. The Bank provides certain distribution and administrative services to the Trustee. The Bank and its subsidiaries do not guarantee the performance of Essential Super or the repayment of capital by Essential Super. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with, or other liability of the Bank or its subsidiaries. An investment in Essential Super is subject to risk, loss of income and capital invested.
Loan Protection is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). CMLA also issues Life Insurance products, although financial planners may recommend life insurance issued by other financial institutions. Home Insurance is issued by Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CMLA and CIL are wholly owned but non-guaranteed subsidiaries of the Bank. CommInsure is a registered business name of CMLA and CIL. Product Disclosure Statements for these products and Key Fact Sheet for Home Insurance are available at commbank.com.au or from any branch.
Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. If you have a complaint, the Commonwealth Bank’s dispute resolution service can be accessed on 13 2221.