Read more Get Started Apply for a margin loan today and make the most of investment opportunities.
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Invest tax effectively Obtain potential tax deductions by claiming interest expenses. Liquidity If at any time you need to access the capital in your loan security, you can sell assets and transfer available funds online - effectively having cash on call when you need it.
CommSec's Margin Loan is award winning, and comes with a range of tools and support to help you effectively manage your loan. Through constant innovation and a continued focus on customer service, we're also committed to maintaining our five-star Canstar rating for outstanding value.
What-if calculator — simulate the impact of trades and market movements on your Portfolio. Risk management — automated SMS notifications to help you manage your loan and avoid a margin call. Self-service — top up cash or make transfers on your loan anytime and view your loan position and share performance on the go with the CommSec Mobile App.
Easily monitor the market — set up free, unlimited share alerts sent straight to your mobile. Access to the CommSec Platform As a CommSec Margin Loan customer, you'll also have access to our market-leading integrated trading platform across desktop, tablet and mobile — so, you'll always have access to real-time stock information, research and up-to-date loan details in the same place.
You can also use our website to transfer funds, update your personal details and access a detailed transaction history, at any time. We're also on hand with the support you need to help you make the most of your margin loan. Talk to our experienced Account Managers between 8am and 6pm Sydney time for assistance with your loan. Learn More Why borrow to invest? One of the ways investors can potentially grow their portfolio faster is by borrowing to invest.
Read more What is a Margin Loan? Read more How to manage margin loan risks Using a margin loan to invest can amplify potential losses as well as gains. Find out what investors can do to reduce their chance of losses or margin calls. Read more Get Started Apply for a margin loan today and make the most of investment opportunities. You can easily manage any risks and avoid margin calls by considering these 10 tips: Stay disciplined A disciplined approach can help you make better investment decisions.
Before you start, determine how much you can borrow; the amount of capital you are willing to commit; your trading strategy; which industry and assets you will invest in; and entry and exit prices.
Research When you purchase stock, you become a part-owner of a business. Research the financial health of these businesses and any inherant risks using our comprehensive research tools and analyst reports. Stagger your entry into the market You can reduce the risk of incorrectly timing the market by using dollar cost averaging—investing the same dollar amount on a regular basis. You can automate this with a regular gearing plan managed funds or conditional orders and price alerts shares.
Diversify Reduce the risk of individual stock price movements or LVR changes by spreading your investment across different companies, assets and industries. This means if one investment falls in value, it may be offset by a rise in the value of another. When you have five or more accepted securities, you can also take advantage of CommSec Portfolio LVR to create an additional buffer and access bonus stocks.
Borrow less Only using part of your total borrowing capacity to invest will help protect you against margin calls triggered by a price drop. Watch your cash flow Make sure you can cover any interest repayments and consider reinvesting income from dividends back into your margin loan, to offset interest costs and reduce the principal loan.
Pay your interest through a bank account rather than capitalising to the loan — capitalised interest will increase your loan and result in higher interest expenses over time. Fix your interest rate Transfer part or your entire loan to a fixed rate for a selected term, to eliminate the risk of rising interest expenses. Monitor your investments CommSec offers a suite of tools to help you monitor your portfolio and loan status.
You can use price alerts to notify you when a stock has reached a pre-determined price, or set conditional orders to create an automated stop-loss order instructions. Protect yourself with Options Exchange Traded Options can allow you to keep your existing shares over periods of market uncertainty, while protecting you against losses from falling share prices. Take action early If you notice your gearing is getting too high and has approached or reached your buffer, take action before a margin call is triggered.
Once your CommSec Margin Loan is established, a new account number starting with '7' will appear on your account summary page. Follow these steps to get started: Transfer existing shares or managed funds into your margin loan, or use our online funds transfer request to transfer cash from your nominated bank account.
Flexible investing Choose from a range of interest rate and repayment options - with no minimum loan balance requirements - to create the Margin Loan that suits you best.
Liquidity If at any time you need to access the capital in your loan security, you can sell assets and transfer available funds online - effectively having cash on call when you need it. Online tools CommSec gives you all the tools you need to monitor your portfolio's performance, including online summaries, gearing ratios, loan statements, notifications and research.
Advanced strategies Combine Exchange Traded Options with your Margin Loan to access strategies that can generate additional income or protect the value of your shares. Risks Market movements A drop in the lending value of your portfolio if the value of your stocks and funds falls may mean you need to reduce your gearing level at short notice - also known as a margin call.
Interest rate movements If interest rates rise, the overall costs of your investment may increase, potentially reducing your profits. Fixing your interest rate can help you avoid this risk. Increased losses A geared strategy can multiply your investment returns, but it can also increase your losses if the market moves against you. Reduced lending ratios Lending ratios are reviewed regularly and may be reduced even for securities you have purchased in the past - this may trigger a margin call.
Once you have established a CommSec Margin Loan, you transfer your existing shares, managed funds or cash into it as collateral. We calculate the lending value, which determines how much you can borrow.
CommSec Margin Lending facilities are provided by the Commonwealth Bank of Australia ABN 48 , AFSL (the Bank) and administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 , AFSL (CommSec), a Participant of the ASX Group and Chi-X Australia. Investment Loans are administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited (CommSec) ABN 60 AFSL , a participant of the ASX Group and Chi-X Australia.
CommSec Margin Loan is a product of Commonwealth Bank of Australia ABN 48 AFSL (the Bank) administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 AFSL ("CommSec"), a Participant of the ASX Group. Margin Loans involve risk—see the CommSec Margin Lending Risk Disclosure Statement CommSec Margin Lending facilities are provided by the Commonwealth Bank of Australia ABN 48 AFSL (the Bank) and administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 .
commsec margin lending fixed interest rate request CommSec Margin Loan is a product of the Commonwealth Bank of Australia ABN 48 administered by its wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 (‘CommSec’). Canstar caught up with Niven Cattanach, Senior Product Manager, Commsec Product and Development, for some insight into the current state of margin lending play. Despite the current volatility on Australia’s sharemarket, margin lending continues to be a valuable way for many investors to increase their long-term wealth.