Help & support
There are three managed funds, each with their own mix of growth and defensive assets.
Have your investments managed by professionals.
Invest with as little as $2 per investment, less than a cup of coffee.
Access your money in typically two business days.
In a managed fund, your money is pooled together with other investors. The investment manager then uses that money to invest on your behalf, giving you exposure to a range of assets such as shares, property and infrastructure. You’re allocated units in the fund, which are based on the unit price at the time you invest. The value of your investment can change if the value of the assets within the fund goes up or down. This will be reflected in the daily unit price.
Before you invest, we’ll ask you a few questions about your investment preferences. Your answers will determine whether you’re likely to be in the target market for any of the funds. You will only be able to invest in the funds your answers indicate you are likely to be in the target market for.
Suitable for investors with a medium to high risk tolerance for market ups and downs seeking medium to high potential growth over a five-year minimum suggested investment timeframe. This fund has a balanced mix of growth and defensive assets.
Suitable for investors with a high to very high risk tolerance for market ups and downs seeking high to very high potential growth over a seven-year minimum suggested investment timeframe. This fund has a higher allocation to growth assets than the Balanced Fund.
Suitable for investors with a high to very high risk tolerance for market ups and downs seeking high to very high potential growth over an eight-year minimum suggested investment timeframe. This fund has the highest allocation to growth assets.
This is charged to your Linked CommBank Account. $0 where the total account balance is less than $1,000. $2 where the total account balance is $1,000 or more.
This fee will be waived until 31 July 2025.
The fees and costs for managing your investment equals 0.35% p.a. which is calculated as a percentage of the total value of the fund. The fees are subject to change. Refer to the Product Disclosure Statement (PDS). They’re reflected in the daily unit price.
The costs incurred by the fund when buying or selling assets. 0.05% p.a. (estimated), which is also reflected in the daily unit price for the fund.
As an example, if you invested $1,000 across all three funds and assuming your balance remained at $1,000 throughout the year, you’d pay $24 ($2 monthly) in access fees, about $3.50 in management costs and $0.50 in transaction costs. That’s a total of $28 for the year.
You can open an Everyday Investing account if you:
We’ve teamed up with Colonial First State Investments Limited (CFS) and Commonwealth Private Limited (CPL) to bring you Everyday Investing. The managed funds are offered by CFS, who is the responsible entity of the funds and issuer of the financial products offered under Everyday Investing. CommBank is the distributor of the funds while CPL, a wholly owned but non-guaranteed subsidiary of CommBank, is the investment manager. This means you’re investing in CFS managed funds through Everyday Investing, not in CommBank products.
Take some time to read the following documents before opening an account. They outline important information such as fees, risks, the target market and terms and conditions.
Balanced Fund Target Market Determination (TMD)
Growth Fund Target Market Determination (TMD)
High Growth Fund Target Market Determination (TMD)
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). Where we mention ‘we’, ‘us’ or ‘our’, we mean 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 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 PDS and FSGs on Everyday Investing Important Documents or by calling 13 22 21.
Neither CommBank, CFS Group, nor any of their respective subsidiaries guarantee the performance of the financial products or the repayment of capital. An investment in any of the financial products is subject to risk, loss of income and capital invested. Everyday Investing is not an investment in, deposit with or other liability of CommBank or its subsidiaries. This information is based on current requirements and laws as at the date of publication.
