Typically managed funds, super, pension and insurance bond products have an Entry Fee, usually up to 5% of the amount invested.

Let's say you invest $10,000 in a fund which has an Entry Fee of 4% or $400.  Invest through DIY Investing Pty Ltd and we will rebate 100% of our Entry Fee commission as additional units in the fund.  In this case you save $400 by effectively not paying the Entry Fee.  Invest $100,000 and the saving will be $4,000.

Life Insurance

Should you take out stand alone life insurance through DIY Investing Pty Ltd and assuming the first year's  commission is $1,000, the commission rebate will be 50% of $1,000 which equals $500.  Please be aware that the rebate is paid in the form of reduced premiums.

Mortgages

DIY Investing Pty Ltd deals exclusively in mortgages provided by BMC Mortgage Corporation Pty Limited.  The net upfront commission payable on BMC's residential mortgages is 0.70% and DIY Investing rebates 50% of this commission.  If you take out a $200,000 residential mortgage the rebate you receive is $700.  Take out a $500,000 residential mortgage and the rebate is $1,750.  The rebate is payable after the commission has been received by DIY Investing Pty Ltd.

DIY Investing Pty Ltd also gives commission rebates on commercial mortgages.  The net upfront commission on BMC's commercial mortgages is 0.30% and DIY Investing rebates one third of this commission.  If you take out a $1,000,000 commercial mortgage the rebate you receive is $1,000.  The rebate is payable after the commission has been received by DIY Investing Pty Ltd.

Margin Loans

Margin Loans usually do not pay upfront commissions.  However, DIY Investing Pty Ltd will rebate a portion of it's ongoing commission for margin loans with a minimum loan size of $50,000 and provided the margin loan is in force at the end of the Financial Year.  The rebate is 50% of the ongoing commission as long as the loan balance is at least $50,000.  If your minimum loan amount is $500,000 the rebate you will receive is approximately $625 for a full Financial Year.  For margin loans of $1,000,000 the rebate is approximately $1,250 for a full Financial Year.  The rebate is paid at the end of the Financial Year.

Annuities

Let's say you purchase a complying annuity for $200,000 and the net upfront commission is 3% or $6,000.  DIY Investing Pty Ltd rebates 90% of this commission subject to retaining a minimum of $100.  The rebate you will receive is 90% of $6,000 which equals $5,400.  The commission on a $500,000 annuity would be $15,000 and the amount of the rebate is $13,500.

Term Investments

Let's say you purchase a 1 year term deposit for $200,000 and the net upfront commission is 0.25% or $500.  DIY Investing Pty Ltd rebates 90% of this commission subject to retaining a minimum of $100.  The rebate you will receive in this case is $500 less $100 which equals $400.  The commission on a $500,000 term deposit would be $1,250 and the amount of the rebate is $1,125.

Please note the above are only examples of possible rebates that you could benefit from when you invest through DIY Investing Pty Ltd.  Actual rebates depend on the commissions payable by the product providers and the type of financial product you purchase.  Should you have any questions regarding our rebates please do not hesitate to contact us.