Steve James. head of adviser distribution Commonwealth Bank of Australia
The CommBank Deposit Plus Money Masters course with Steve James will explore how this deposit series works to allow advisers to find tune their clients’ interest rate exposure based on the group’s view of interest rates over the medium to long term. It will also delve into the rules and requirements of the series as well as the range of options it affords investors.
Remember to log-in to view the whole course and earn CPD hours.
The CommBank Deposit Plus masterclass with Steve James will give you insights into:
Steve James /
head of adviser distribution Commonwealth Bank of Australia
Steve has worked in the financial services industry for over 25 years. His experience spans foreign exchange trading, financial planning and online stockbroking, and he played a key role in developing online broking services for the independent financial adviser market. He now works closely with advisers to help manage their clients’ interest rate exposures by creating innovative fixed interest solutions.
About the product
Unlike regular term deposits, the CommBank Deposit Plus series allows advisers to choose both a fixed and floating rate of interest over the period of the deposit to better manage the client’s interest rate exposure.01.
The CommBank’s innovation in term deposit products will ensure the CommBank Deposit Plus drives demand from advisers and their clients.02.
Aims and objectives
The CommBank Deposit Plus allows advisers to better manage client’s interest rate exposure and manage their practice more efficiently.03.
There are a number of rules and requirements associated with the CommBank Deposit Plus regarding minimum parcel size, investor type and the holding period.04.
Historically, floating rate deposits are usually only offered to wholesale or institutional investors, the CommBank Deposit Plus has a new approach.05.
The ideal client
The CommBank Deposit Plus is typically suited to clients that have larger SMSF balances and longer term interest rate horizons.06.
What clients want
The CommBank Deposit Plus is designed to meet the growing needs of advisers and clients looking for something more from standard term deposits.07.
Test yourself /
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Investment bonds are long-term investment vehicles which may offer tax efficiency to some investors. The IOOF WealthBuilder is intended for investors who are looking to save over the medium to long-term by providing a simple solution for investments, tax planning and estate planning needs. This Money Masters course with Sue Herrald will explain what investment bonds are, how they are commonly used and how they could help your clients to achieve their life goals.
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As our world becomes more divergent it’s essential to be able to identify and invest in companies which have the ability to flourish in a low growth environment. In this Thought Leaders series, Will Low, head of global equity with Nikko Asset Management, speaks with Vanessa Stoykov about the role of free-thinking and pragmatism in investing, and why active investing will triumph in a low-growth world.
In this four-part Thought Leaders conversation with Vanessa Stoykov, Tanya Sale, chief executive of outsource financial explores the key issues currently impacting Australia’s credit broking industry and what affect these are having on the sector. Tanya discusses the ethical concerns around the mentoring of new entrants; how offering debt solutions can grow your business; what the true impact of self-managed superannuation fund (SMSF) lending has been on the industry; and why she believes the ownership of aggregators needs to be fully disclosed.
Statistics show the majority of Australian women are retiring with just over half the superannuation savings of their male peers. This presents a huge issue for Australians, advisers, and the economy. In a two-part conversation, Anne Fuchs of Sunsuper speaks with Vanessa Stoykov about why women have traditionally been disadvantaged when it comes to super and what steps advisers can take to help improve this for future generations.
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