Whether your dream is to retire in style, put your children through university or safeguard your future, we have a range of products and services to help meet your needs.
You can choose to make your own investment decision and invest directly or to seek advice from a financial adviser.
An unsecured, short-term debt instrument issued by a corporation, typically for the financing..full definition
Search the Jargon Buster for explanations of key industry terms and abbreviations:
These services are offered without investment advice and you will need to make your own investment decisions.*
* If you choose to make your own investment decision, the protection offered by the Financial Conduct Authority’s rules on assessing suitability will not apply. If you have any doubts about whether these services are suitable for your needs, you should seek advice from a Financial Adviser (you may be charged for any advice you receive).
If you have $50,000 or more in savings and investments, you may benefit from our advice service. Cloy Merchant Premier Financial Advice Service can help you start to build the future you’ve imagined (fees apply).
All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
Most investments should be considered medium to long-term commitment; this means you should be prepared to hold them for at least five years.
The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.
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