Trading Resources



'How-to Videos'

Account Origination - Trading & Cash

Part 1: Get Started

Part 2: Applicant Details

Part 3: Features & Preferences

Part 4: Manage Applications

The 'Manage Applications' feature enables advisers and assistants to track, retrieve or follow up on submitted or saved applications.

'Smart' PDF Application Form

The Smart PDF application form allows you to open a Trading, Cash and Investment Loan accounts or any combination of the three in a single application form.

Trading

Individual Trades

Single Stock - Multi Clients

Multi Stock - Single Client

Manage Orders

Website Education

eSubmit

You can now securely submit your clients’ applications, maintenance forms, supporting documentation and adviser forms online in a few easy steps.

Action Centre

In the Action Centre, you can view your client's online account application progress and manage maturing Term Deposits.

Dashboard

When logged into the CommSec Adviser Services website you’ll see your dashboard featuring a client and various news and market widgets.

Online Demonstration

Learn how our Multi-Stock and Multi-Client order functionality works with a simple demonstration of the order process.
Updated: 04/03/2013

Online Trading User Guide

Learn about all the great features of the CommSec Adviser Services online trading platform and how to use them with this easy-to-follow User Guide.
Updated: 03/06/2016

Strategy – Trailing Stop

There are a range of strategies that can be used to pre-define entry and exit points for a given security, including Falling Sell, Rising Buy, Falling Buy, Rising Sell, Trailing Buy and Trailing Sell.

Falling Sell (Stop Loss)

A Falling Sell may help you lock in gains or limit losses in a falling market. A Falling Sell order may help you to sell some or all of your client’s holdings in a company if the security price falls to the level you have set as your trigger.

Example

For example, you buy 1,000 units of XYZ Ltd at $10 per unit. You want to limit the losses of your investment, so you set a Falling Sell Trigger at $9.50, with a Falling Sell Limit Order to sell your units at no less than $9.43.

Example

 

In this example, the market price for XYZ Ltd reaches $9.50 and your limit order is submitted to the market* to sell XYZ Ltd at no less than $9.43 per unit. Your stock will be sold if there are sufficient buyers in the market willing to buy at a price of $9.43 or higher.

*Orders are placed subject to CommSec Adviser Service's vetting procedures.

Rising Sell (Take Profit)

A Rising Sell may help with taking a profit when a security price rises. A Rising Sell order may help you to sell some or all of your holdings in a company when the security price rises to the level you have set as your trigger.

Example

For example, you have been watching the price of XYZ Ltd, which has been trading at $4.00 per unit and appears to be rising. You could set a Rising Sell Trigger with a trigger price of $4.40 and a limit price of $4.33.

Example


In this example, the market price of XYZ Ltd reaches $4.40, your limit order will be submitted to the market* to sell XYZ Ltd at no less than $4.33. Your stock will be sold if there are sufficient buyers in the market willing to buy at a price of $4.33 or higher.

*Orders are placed subject to CommSec Adviser Service's vetting procedures.

Rising Buy

A Rising Buy may help you take advantage of a security that's on the rise. A Rising Buy order may help you to buy a security when the unit price rises to or above the level you have set as a trigger. You also set a limit price above the trigger price (setting the maximum price you are willing to pay for the security).

Example

For example, you are researching the security price of XYZ Ltd, which is currently trading at $9.10 per unit. Your charting analysis shows that if the price rises to $9.15, it is likely to continue to rise beyond that due to momentum in the security. You could set a Rising Buy Trigger at $9.15 along with a Rising Buy Limit Order at $9.19.

Example


In this example, if XYZ Ltd reaches a price of $9.15 or higher in the market, your limit order will be submitted to the market* to buy XYZ Ltd at no more than $9.19 per unit. Your order will be fulfilled if there are sufficient sellers in the market willing to sell at a price of $9.19 or lower.

*Orders are placed subject to CommSec Adviser Service's vetting procedures.

Falling Buy

A Falling Buy may help you invest in a company when its share price falls. A Falling Buy order may help you to buy a security when the unit price falls to or below the price you have set as a trigger. You also set a limit price above the trigger price, setting the maximum price you are willing to pay for the security.

Example

For example, you have been watching the price of XYZ Ltd, which has been trading at $3.10 and appears to be declining. You could set a Falling Buy Trigger with a trigger price of $2.80 and a limit price of $2.85.

Example


In this example, if XYZ Ltd trades at $2.80 or lower, your limit order will be submitted to the market* to buy XYZ Ltd at no more than $2.85 per unit. Your order will be fulfilled if there are sufficient sellers in the market willing to sell at a price of $2.85 or lower.

*Orders are placed subject to CommSec Adviser Service's vetting procedures.

Trailing Buy

A Trailing Buy may help you maximise value when investing in a company. It may help you to buy a security when the unit price falls to or beyond a level you have set as your client’s trail start price and then experiences a rise equal to or greater than the trail stop value you have set. If the security price does continue to fall, your Trailing Buy monitors for new lows and will not trigger until a rise of at least the trail stop value from the lowest price since trailing started.

Example

For example, you have been watching the price of XYZ Ltd, which has been trading at $3.10 per unit and appears to be declining. You could create a Trailing Buy Trigger with a trail start price of $2.90 and trail stop value of $0.10.

Trailing Buy Example

 

In this example, the market price of XYZ Ltd falls to $2.90, and then experiences a rise of $0.05 to $2.95 before falling again. Because the trail stop was set at $0.10, the order did not fire. XYZ Ltd then falls to a low of $1.90 before rising by $0.10 to $2.00 which meant the market order fired at $2.00.

Please note that all market orders will be executed in accordance with our Best Execution Policy; however, as no limits can be set, a purchase price may be significantly higher than trigger value. If you would like to set a limit price please consider another of our conditional orders.

Trailing Sell

A Trailing Sell may help with maximising a profit when a security price is rising. It may help you to sell some or all of your clients’ holdings in a company when the security price rises to, or beyond a level you have set as the trail start price and then experiences a fall equal to, or greater than the trail stop value you have set. If the security price does continue to rise, your trailing sell monitors for new highs and will not trigger until a fall of at least the trail stop value from the highest price since trailing started.

Example

For example, you have been watching the price of XYZ Ltd, which has been trading at $4.00 per unit and appears to be rising. You could create a Trailing Sell Trigger with a trail start price of $4.20 and trail stop value of $0.10.

Trailing Sell Example


In this example, the market price of XYZ Ltd reaches $4.20, and then experiences a fall of $0.05 to $4.15 before rising again. Because the trail stop was set at $0.10, the order did not fire. XYZ Ltd then reached a high of $5.20 before falling $0.10 to $5.10 which meant the market order fired at $5.10.

Please note that all market orders will be executed in accordance with our Best Execution Policy; however, as no limits can be set, a sale price may be significantly lower than trigger value. If you would like to set a limit price please consider another of our conditional orders.

Risks: Conditional orders are subject to limitations and risks, please consider the Conditional Trading Terms and Conditions before making any decisions about conditional trading.

Note: The Conditional Order examples given are provided for illustrative purposes only. These examples have been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on the information in this article, consider the appropriateness of the information, having regard to the individual's objectives, financial situation and needs and, if necessary, seek professional advice. Brokerage costs apply.

Case Study - Conditional Trading

The key to successful investing is to decide on a strategy to reach your goals and then stick to it. Conditional Trading can help you keep your strategy locked in, even when your eye is off the market.

You select the share you want to watch, then set a trigger condition and order details. Our system monitors the market for you and when the share price rises or falls and your trigger conditions are met, the system submits a limit or market order on your behalf.

Example - Rising Sell

The Strategy

Declan bought 1,000 shares in ABC Ltd for $3.01 per share. His strategy was to sell when he could achieve a 20% capital gain.

The Process

Declan created a Rising Sell trigger with a trigger price of $3.65 and a limit price of $3.60. When the share price rose to $3.65, a sell order was automatically submitted for him, with a limit price of $3.60.

The Result

Declan's shares sold almost at the top of the market, at $3.63, giving him a gain of $0.62, or 21%, per share.

Example Rising Sell


Example - Trailing Sell

The Strategy

Declan bought 1,000 shares in ABC Ltd for $3.01 per share. His strategy was to sell when he could achieve a 20% or more capital gain.

The Process

Declan created a Trailing Sell trigger with a trigger start price of $3.65 and a trail value of $0.10. When the share price rose to $3.65, trailing commenced.

The share price then experienced many fluctuations without falling by more than$0.10 until it reached $4.20 and then dropped to $4.09. At this point, an automated market sell order was submitted on his behalf with no limit price.

The result

Declan's shares sold almost at the top of the market at $4.07. The result was a gain of $1.06 per share - a capital gain of over 35%.

Example Trailing Sell


In this case study Declan was approximately 15% better off using a Trailing Sell instead of a Rising Sell however, the fired order was a market order and has a higher level of risk. Please consider a non-trailing conditional order if you would like the security of a limit price.

Risks: Conditional orders are subject to limitations and risks, please consider the Conditional Trading Terms and Conditions before making any decisions about conditional trading.

These examples are for illustrative purposes only. The name and identifying features do not reflect any particular person; any resemblance to a real person is coincidental.

The information on this site has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on the information on this site, consider the appropriateness of the information, having regards to the individual's objectives, financial situation and needs, and, if necessary, seek appropriate professional advice. Brokerage costs apply.

The presence of the stock mentioned should not be construed as a recommendation. No representation is given, warranty made or responsibility taken as to the appropriateness or performance of this stock.

ASX Booklets

ASX Understanding Options Trading Booklet

A simple guide to understanding options trading.
Updated: 11/03/2015

ASX Understanding Trading and Investment Warrants Booklet

A simple guide to understanding trading and investment warrants from the ASX.
Updated: 11/04/2013

Guide to Investment Services

Learn about our full range of products and services to help determine which one is right for you when investing on behalf of your clients.
Updated: 28/08/2017

Guide to Transition Services

Learn how our dedicated transition team can manage the whole transition process from start to finish.
Updated: 16/01/2017

Statement of Advice Guidance Wording

Use this wording as a guide when creating your own SOAs.
Updated: 01/08/2014

Data Feed Matrix

The Data Feed Matrix provides a list of all available data providers.
Updated: 21/07/2016

Client Resources

Client Information Sheet

Help your clients understand how share trading works, along with the associated benefits with this easy to follow brochure.
Updated: 01/08/2014

Your Guide to Shares

Explains what shares are, their key features, and how shares are registered.
Updated: 27/06/2017

Gearing into Property or Shares

Updated: 16/10/2015

The General Cycle of Market Emotions

Updated: 16/10/2015

What is an IPO?

Your clients may be unsure of what an Initial Public Offering (IPO) is and the different types of IPOs available - so, to help you explain this, we have created an animated video you can share with them.

Cash Management Resources



'How-to Videos'

Account Origination

Part 1: Get Started

Part 2: Features & Preferences

Part 3: Manage Applications

The 'Manage Applications' feature enables advisers and assistants to track, retrieve or follow up on submitted or saved applications.

'Smart' PDF Application Form

The Smart PDF application form allows you to open a Cash, Trading and Investment Loan account or any combination of the three in a single application form.

Website Education

eSubmit

You can now securely submit your clients’ applications, maintenance forms, supporting documentation and adviser forms online in a few easy steps.

Action Centre

In the Action Centre, you can view your client's online account application progress and manage maturing Term Deposits.

Dashboard

When logged into the CommSec Adviser Services website you’ll see your dashboard featuring a client and various news and market widgets.

Online Demonstration

Learn how the Commonwealth Bank Cash Management Service Works and how it can help you and your clients work together to effectively manage investment cash flow.
Updated: 19/11/2012

Cash Portal Quick Guide Brochure

Quick guide for CBA Accelerator Cash Account and Term Deposit Portal
Updated: 03/06/2016

Cash Flow Planner

Work with your clients to help them map out their cash flows with our handy Cash Flow Planner tool.
Updated: 30/05/2017

Interest Rate Sheet

This PDF contains the latest interest rates for the Commonwealth Bank Accelerator Cash Account.
Updated: 11/12/2015

Switching to us

Once your client’s new Commonwealth Bank Accelerator Cash Account is open they may need to update their regular direct debits (e.g. insurance premiums) and direct credits (e.g. salary).

The quickest and easiest way to do this is for your client to contact the organisations directly to update their account details. This can usually be done over the phone or online. However, the Commonwealth Bank does offer a number of different options to assist your clients with the process:

  • DIY letter templates (PDF) – Allows your client to complete and print a letter to update various payment instructions:

Instruction Sheet
Updated: 30/10/2015

Change of Direct Debit
Updated: 19/11/2012

Change of Direct Credit
Updated: 19/11/2012

Change of Salary Crediting
Updated: 19/11/2012

Dividend Payment Re-direction
Updated: 19/11/2012

  • A DIY online switching tool
Your client can head to the CommBank website where they will find templates and information to help them switch their Direct Debits and Credits to their new Accelerator Cash account.
  • Our assisted switching service
Clients can visit our Switching Service page for information on how to use the assisted switching service. (Note: This service is for individual or joint accounts only and is not suitable for Trust, Company or SMSF accounts).
Guide to Investment Services

Learn about our full range of products and services to help determine which one is right for you when investing on behalf of your clients.
Updated: 16/08/2017

Guide to Transition Services

Learn how our dedicated transition team can manage the whole transition process from start to finish.
Updated: 16/01/2017

Statement of Advice Guidance Wording

Use this wording as a guide when creating your own SOAs.
Updated: 26/06/2017

Data Feed Matrix

The Data Feed Matrix provides a list of all available data providers.
Updated: 21/07/2016

Client Resources

Manage your cash, Manage your life

A simple guide to effective cash flow management.
Updated: 18/08/2015

Client Brochure - Accelerator Cash Account

Help your clients understand the benefits of the CommBank Accelerator Cash Account and how it works with this easy to understand flyer.
Updated: 14/11/2014

Client Information Sheet

Updated: 17/10/2015

Your Guide to Cash Flow Management

Updated: 16/06/2014

Cash flow management

Good cash flow management is a powerful ingredient in the recipe for financial success. We have created an animated video you can share with your clients to help you explain the principles of good cash flow and the important role you can play in helping them achieve their financial goals.

Investment Loan Resources



'How-to Videos'

Account Origination

'Smart' PDF Application Form

The Smart PDF application form allows you to open an Investment Loan, Trading and Cash account or any combination of the three in a single application form.

New Investment Management Experience

Overview

Part 1: Logging In

Part 2: Locating your Clients

Part 3: Smart Search & Sort

Part 4: Loan Warnings & Visual Cues

Part 5: Loan Feature Identification

Investment Lending Website Integration Webinar Recording

Website Education

eSubmit

You can now securely submit your clients’ applications, maintenance forms, supporting documentation and adviser forms online in a few easy steps.

Action Centre

In the Action Centre, you can view your client's online account application progress and manage maturing Term Deposits.

Dashboard

When logged into the CommSec Adviser Services website you’ll see your dashboard featuring a client and various news and market widgets.

Online Demonstration

Learn how our investment loan offers the flexibility to help meet investor needs and potentially accelerate their investment returns.
Updated: 13/01/2016

Interest Rate Sheet

This PDF contains the latest interest rates for the CommSec Adviser Services Investment Loan.
Updated: 30/08/2016

Tools & Calculators

What-if Calculator

Allows you to test a combination of cash and security transactions and determine their effect on the current position of an investment loan. Also assists with the resolution of margin calls by providing the amounts required for each possible transaction option to clear the margin call.
Updated: 22/03/2017

Fixed vs Variable Interest Calculator

This calculator allows you to determine your potential interest savings between a fixed and variable interest rate on your loan balance over different terms.

Geared vs Non-geared Break-even Calculator

Have you ever wondered what investment returns are required before a geared investment strategy will outperform and non-geared one? We’ve taken the guess work out and have developed a simple calculator that will determine the minimum capital growth rate or income yield that will result in a geared investment strategy outperforming the non-geared equivalent.
Updated: 22/03/2017

Cash Flow Neutral Gearing Calculator

This calculator helps you develop a cash flow neutral gearing strategy for your clients by establishing the minimum income yield required or maximum gearing level that will allow your clients to achieve a cash flow neutral to positively geared investment strategy.
Updated: 22/03/2017

Investment Loan Gearing Simulator

Our Investment Loan Gearing Simulator is designed to allow advisors to quickly and easily demonstrate the advantages of utilising a geared investment strategy over a non-geared investment strategy. It outputs the expected outcome of each strategy over the specified term, offers many special features and also allows for regular gearing plans.
Updated: 23/05/2017

Debt Strategy Simulator

The Debt Strategy Simulator allows advisers to compare the wealth outcomes of traditional debt elimination strategies to a debt optimisation (debt recycling) strategy. The simulator requires the input of various assumptions and provides the outcomes of these strategies over a 30 year period using graphs and tables which can be printed or copied and pasted into documents such as SOAs and emails.
Updated: 22/03/2017

Case Studies

Creating a Portfolio with Gearing

Borrowing to invest (often referred to as gearing) offers the potential to grow wealth at a faster rate when compared to not gearing. Using an Investment Loan your clients can invest into listed securities or managed funds and potentially accelerate their returns.
Updated: 09/12/2013

Starting Out

Even with the best intentions and a good income, building wealth can be a slow process - especially if you want to enjoy a little bit of life at the same time. But with some savings, a budget and the right financial advice, you can create an investment portfolio and reach your goals sooner.
Updated: 25/10/2013

Using Your Business to Accumulate Wealth

Owning a business can be a challenging yet rewarding experience. Aside from the day-to-day issues of managing the business, it's also important to plan for the future and invest any profits wisely. Should you pay off debt, expand the business, or diversify into other income producing assets? With the right advice you can develop a strategy that will maximise your wealth and generate additional income.
Updated: 26/10/2015

Using Investment Income to Build a Larger Portfolio

For many Australians the idea of borrowing money to create a larger investment portfolio seems out of reach. With income allocated to rent or a mortgage, living expenses and the occasional holiday, finding the extra cash to meet interest costs seems almost impossible. But with the right financial advice many Australians can build a larger investment portfolio, by using investment income to meet interest costs.
Updated: 25/10/2013

Using Your Shares to Build Wealth

Most successful investors would agree that the hardest part was getting started. Having a goal in mind, setting a budget and picking what to invest in are all parts of the typical plan ... but is it possible to start investing sooner rather than later and achieve your goals even earlier?
Updated: 25/10/2013

Strategy – Lump sum gearing

This strategy involves an investor combining a single equity contribution with a borrowed amount for investment. The total amount may be invested in managed funds, ASX listed securities or a combination of the two. This strategy puts your money to work immediately and provides full exposure to movements in share and unit prices. The flexibility of the facility also allows you to increase or decrease your investment exposure at any time.

Strategy – Regular gearing

This strategy combines the power of an investment loan with all the benefits of a disciplined savings plan. A regular gearing strategy automatically combines your monthly cash contributions with a borrowed amount for investment. Regular gearing is suitable to investors who don’t have a large amount to invest, wish to use a more conservative entry strategy or want to adopt a ‘dollar cost averaging’ strategy.

Guide to Investment Services

Learn about our full range of products and services to help determine which one is right for you when investing on behalf of your clients.
Updated: 17/08/2016

Guide to Transition Services

Learn how our dedicated transition team can manage the whole transition process from start to finish.
Updated: 16/01/2017

Statement of Advice Guidance Wording

Use this wording as a guide when creating your own SOAs.
Updated: 12/07/2017

Client Brochures

Investment Lending Explained Booklet

Updated: 01/08/2014

Client Information Sheet

Updated: 17/08/2014

Geared vs Non-geared Break-even Analysis

Updated: 11/09/2014

Gearing into Property or Shares

Updated: 19/10/2015

A Timely Fix: Interest Rate Options For Your Investment Loan

Updated: 19/10/2015

Fall Before Call

Updated: 19/10/2015

The General Cycle of Market Emotions

Updated: 19/10/2015

How to use the Buy and Write Options Strategy

Updated: 13/10/2015

Exercise your Company Options

Updated: 19/10/2015

This information was prepared by CommSec Adviser Services, a brand of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945, administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 80 067 254 399 AFSL 238614, a Participant of the ASX Group and Chi-X Australia. Only investors who fully understand the risks associated with gearing into investments should apply. Applications are subject to credit approval. Fees and charges apply. Please consider the Product Disclosure Statement (PDS) and Terms and Conditions, issued by the Bank before making any decision about the product.

CALIA+ Resources



'How-to Videos'

Website Education

eSubmit

You can now securely submit your clients’ applications, maintenance forms, supporting documentation and adviser forms online in a few easy steps.

Action Centre

In the Action Centre, you can view your client's online account application progress and manage maturing Term Deposits.

Dashboard

When logged into the CommSec Adviser Services website you’ll see your dashboard featuring a client and various news and market widgets.

Online Demonstration

Learn how CALIA+ can help your clients manage debt and investment in a single solution.
Updated: 13/01/2016

Interest Rate Sheet

This PDF contains the latest interest rates for CALIA+.
Updated: 30/08/2016

Tools & Calculators

What-if Calculator

Allows you to test a combination of cash and security transactions and determine their effect on the current position of an investment loan. Also assists with the resolution of margin calls by providing the amounts required for each possible transaction option to clear the margin call.
Updated: 22/03/2017

Debt Strategy Simulator

The Debt Strategy Simulator allows advisers to compare the wealth outcomes of traditional debt elimination strategies to a debt optimisation (debt recycling) strategy. The simulator requires the input of various assumptions and provides the outcomes of these strategies over a 30 year period using graphs and tables which can be printed or copied and pasted into documents such as SOAs and emails.
Updated: 22/03/2017

Structuring a CALIA+ Facility

The flexibility that CALIA+ offers can allow you structure your facility to suit your individual needs. It permits up to 12 separate sub-accounts, allowing you to create and individually manage loans that have been established for different purposes. For example, you may wish to establish sub-accounts for your home loan, investment property loan, personal loans and your share/managed fund investment loan. Creating various loans based on their purpose will allow you to separate your tax-deductible loans from your non-deductible loans. This makes managing your tax affairs simple and it will also allow you to monitor the repayment and progress of each loan.

What makes CALIA+ truly unique is that each sub-account you establish within the Bundle will share the same common security being your home and/or investment properties. We can lend up to 80% of the value of a residential, rural or vacant property, however the amount we will lend you is subject to our normal credit assessment criteria. You then have the flexibility to nominate the credit limit for each sub-account you establish up to the amount you have been approved for (the Bundle Limit).


Typical Structure of CALIA+

Typical Structure of CALIA+
Property Valuation Centre

Our Property Valuation Centre allows an adviser or client to request a Property Valuation before submitting a formal request for finance.

The report is paid for directly by the adviser/client and is distributed as instructed generally within 7 days. Should this Property Valuation report be presented to Commsec Adviser Services within 90 days of issuance, the report can be accepted and speed up the overall finance process.

For more information regarding this unique offering, please contact your Commsec Adviser Services Relationship manager today on 1800 252 351 (Option 7).
Updated: 14/12/2012

Case Study – Optimising debt to build your family's wealth

For many Australians owning a family home is only possible with the financial challenge of a large home loan. With a focus on reducing it as quickly as possible, wealth creation plans are often left until later in life, leaving little time to benefit from the compounding nature of investing. But with the right advice you can continue to focus on repaying your home loan while also investing to build wealth.
Updated: 11/09/2014

Strategy – Debt Optimisation

 

For many Australians, owning a family home is only possible with the financial challenge of repaying a large home loan. With a focus on reducing their loan as quickly as possible, wealth creation plans are often left until later in life, leaving little time to benefit from the compounding nature of investing. But with the right advice they can continue to focus on repaying their home loan while also investing to build their wealth.

This strategy is referred to as ‘debt optimisation’ (also known as ‘debt recycling’) and works by reducing non-tax-deductible ‘bad’ debt (for example your home, car and personal loans) and replacing it with tax-deductible ‘good’ debt (investment loan) which is used to invest.

A Case Study:

Brad and Angela have a $400,000 home loan secured by the family home. They wish to retire in around 20 years and in order to pay off their home loan within this timeframe, they are currently paying $37,000 a year (approximately $27,000 in interest and $10,000 off their loan). Following a personal review of their finances they realise they have around $20,000 of surplus income each year.

They decide to visit their financial adviser to find the best use for their surplus income. During their appointment they discuss a number of strategies which include:

  1. Adding their surplus income to their existing home loan repayments to repay it as quickly as possible. Once repaid they would start investing.
  2. Invest their surplus income of $20,000 while continuing to make their current home repayments over 20 years.

Brad and Angela’s adviser suggests a third strategy called debt optimisation. Similar to the first strategy, he recommends that on top of their standard home loan repayments, they should use their surplus income to pay off as much of their home loan as possible. The strategy then requires Brad and Angela to re-borrow the equity in their home created by their total home loan repayments and invest it in managed funds.

Brad and Angela agree to a debt optimisation strategy. In the first year they managed to pay $57,000 ($37,000 current repayment + $20,000 surplus income) off their home loan — $27,000 in interest and $30,000 off their loan. Using a separate investment sub-account they redraw the principal amount that they have paid off their home loan and invest it into managed funds.

Debt Optimisation – An example^:

Debt Optimisation

One year on

By adopting this strategy Brad and Angela’s total amount of debt has remained the same, however a portion of it ($30,000) is now tax-deductible ‘good debt’ — as this borrowing has been invested into managed funds, an income-producing asset. Brad and Angela are now entitled to claim the interest costs on this $30,000 borrowing as a tax deduction. As their investments also provide them with an additional source of income as well as franking credits, their strategy will become even more tax-effective*. The additional source of income allows them to increase the rate at which they reduce their home loan (‘bad’ debt) which in turn allows them to increase the size of their investment loan (‘good’ debt) and investment portfolio over time.

Find out more

To find out more about how debt optimisation might be able to help you, please contact your financial adviser.

Strategy – Regular Savings Plans

Regular savings plans provide an easy and disciplined way to invest in managed funds on a monthly basis.

CALIA+ is suitable to clients who wish to borrow against the equity in their property to make monthly investments into managed funds. All CALIA+ variable loans are established as transactional accounts with a BSB and account number. It can therefore provide a simple and automated approach to investing in managed funds by allowing the fund manager to directly debit your investment sub-account.

Strategy – Debt Consolidation

CALIA+ can be cost effective as it allows you to consolidate unsecured or personal debts that generally attract a higher interest rate than property secured loans. Consolidating all your debts within a CALIA+ facility is simple and could significantly reduce interest costs.

Example

Debt Consolidation
Guide to Investment Services

Learn about our full range of products and services to help determine which one is right for you when investing on behalf of your clients.
Updated: 17/08/2016

Statement of Advice Guidance Wording

Use this wording as a guide when creating your own SOAs.
Updated: 26/06/2017

Client Brochures
Help your clients understand how The CALIA+ facility works, along with the associated benefits with these easy to follow brochures.

CALIA Explained Booklet

Updated: 03/04/2014

Client Information Sheet

Updated: 17/05/2013

^ It is assumed that the value of investments, investment income and salary will increase over the long term. If they do not, the investment outcome may differ.

* Taxation outcomes can vary according to individual circumstances and are subject to changes in legislation.

CALIA+ is one of the products available under the CommSec Adviser Services brand, and is provided by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (‘Bank’). The Bank’s wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814, a Participant of the ASX Group and Chi-X Australia, only administers the Investment Loan Subaccounts within CALIA+. Applications are subject to credit approval. Fees and charges apply.

This website notes some features of a CommSec Adviser Services Investment Loan. Please obtain and consider the product disclosure statement (PDS), available from the Commonwealth Bank of Australia (ABN 48 123 123 124 AFSL 234945) as the product issuer, at www.CommSecAdviserServices.com.au before making any decision about the product.

Please consider the full terms and conditions available on application. Only investors who fully understand the risks associated with gearing into investments should apply.

Portfolio Service Resources


'How-to Videos'

Introduction to Portfolio Service

'Introducing our new Portfolio Service' webinar recording

This webinar provides an overview of Portfolio Service, explains how it works and highlights its features and benefits.

Account Origination

Part 1: Get Started/Application Details

Part 2: Applicant Identification

Part 3: Account Preferences

Part 4: Investment Preferences

Part 5: Fee Preferences

Part 6: Transfer of Listed Securities

Part 7: Review and Submit

Managed Investments Account Education

Corporate Actions Management

You have the ability to manage corporate actions for all clients that use Portfolio Service. This video will show you how.

Adviser & Client Reporting

You can access a number of reports for Portfolio Service including reports specific to your business such as outstanding transactions, and also client reporting for individual Portfolio Service accounts.

Linking a Model Portfolio

A Model Portfolio is a group of investments selected by a dealer group or adviser. Portfolio Service allows you to link your clients to a Model Portfolio.

Purchasing Managed Funds

Choose from a wide range of Managed Funds, from a number of professional managers, for easy portfolio diversification. Comprehensive research is supplied by Morningstar.

Applying for a Term Deposit

You have the ability to purchase a new Term Deposit online for a client’s Portfolio Service account. You can also manage the Term Deposit at maturity via eSubmit.

Website Education

eSubmit

You can now securely submit your clients’ applications, maintenance forms, supporting documentation and adviser forms online in a few easy steps.

Action Centre

In the Action Centre, you can view your client's online account application progress and manage maturing Term Deposits.

Dashboard

When logged into the CommSec Adviser Services website you’ll see your dashboard featuring a client and various news and market widgets.

Quick Start Guide

This guide is designed to give advisers an introduction to the key features available through Portfolio Service and how to access them.

Investment News

Update of certain events and their effects on investments within the Portfolio Service.

Portfolio Service At a glance

Provides an overview of Portfolio Service and summarises its key features, the potential benefits to your business and the fee structure.
Updated: 26/08/2017

Taking your investment advice to the next level with Portfolio Service

No matter how you structure your investment advice model, Portfolio Service has a solution for managing your clients’ investments flexibly and efficiently.
Updated: 26/08/2017

Guide to Transition Services

We understand that your time is valuable, which is why we have dedicated teams to support you and your staff. This brochure explains how we will assist you with your onboarding to Portfolio Service.
Updated: 19/09/2017

Client Brochures
Help your clients understand the features and benefits of Portfolio Service.

Bring it all together with Portfolio Service

Provides an overview of Portfolio Service and summarises the key benefits and features of this comprehensive administration solution.
Updated: 26/08/2017

Investment Management Resources



'How-to Videos'

Website Education

eSubmit

You can now securely submit your clients’ applications, maintenance forms, supporting documentation and adviser forms online in a few easy steps.

Action Centre

In the Action Centre, you can view your client's online account application progress and manage maturing Term Deposits.

Dashboard

When logged into the CommSec Adviser Services website you’ll see your dashboard featuring a client and various news and market widgets.

Online Demonstration

Learn how our experienced advisers can work in partnership with your business to create wholesale equity and ETF investment solutions for your clients.
Updated: 13/01/2016

Guide to Managed Accounts

Guide to the CommSec Investment Management Team
Updated: 29/09/2017

Introduction to Managed Accounts
Updated: 29/09/2017

Guide to Dynamic Model Portfolios

View our Guide to Dynamic Model Portfolios and learn how the service can help you strengthen your offering and add more value to your clients.
Updated: 13/03/2017

Sample Model Portfolio Report

View a sample report for the Balanced Model Portfolio to learn more about the service and the quality of the models.
Updated: 14/06/2014

SMSF Resources


Online Demonstration

Help your clients understand the benefits of a cash flow management system and how it works with your clients' SMSFs.
Updated: 28/02/2015

Adviser Brochures

Adviser Brochure - Accelerator Cash Account

Give your SMSF clients a simple and powerful cash solution.
Updated: 11/12/2015

Client Brochures

Client Brochure - Accelerator Cash Account

Help your clients understand the benefits of the CommBank Accelerator Cash Account and how it works with this easy to understand flyer.
Updated: 28/02/2015

Guide to Investment Services

Learn about our full range of products and services to help determine which one is right for you when investing on behalf of your clients.
Updated: 17/08/2016

SMSF Adviser Guide

An adviser guide to everything you need to know about Self Managed Super Funds.

SMSF Strategy articles
Our strategy articles keep you up-to-date with what’s happening in the current financial landscape and how it may impact you and your clients.

SMSF TTR Commutations Clarified

Updated: 28/02/2015

SMSFs, non-arm’s length income and nil interest loans – is the related party over?

Updated: 28/02/2015

Insurance inside super post 30 June 2014

Updated: 28/02/2015

Residential property – business real property and an active asset?

Updated: 28/02/2015