Frequently asked investment questions

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Where can I find out more about the basics of investing?

You can increase your understanding of key investment topics via L-earn online. L-earn is a simple and easy to navigate web site that can be of assistance to everyone, with information on savings tips and strategies to key themes of financial investment. The site also contains a range of tools and calculators that can assist you to model scenarios based on your own or hypothetical situations. The site can be accessed by clicking on the L-earn link in the right hand navigation box.

Leading fund managers

 Click here to view a list of leading fund managers

What is Margin Lending?

Through the OneAnswer Investment Portfolio, you have access to a convenient margin lending facility which allows you to add borrowed money to your own funds, increasing the total amount of money working for you to help you potentially earn higher returns. This facility is called ANZ Margin Lending, and is a product of the ANZ Group. ANZ has provided the following information about margin lending.

How does ANZ Margin Lending work?

The ANZ margin loan is built around the Loan to Value Ratio (LVR) given to each investment in your investment portfolio. This ratio is the minimum amount of money you need to contribute compared to the amount you borrow. The ANZ Group has set a maximum LVR for each investment fund.

 Click here to view the latest LVRs. For example, if you have an investment portfolio of $100,000 of which $50,000 is your own money and $50,000 is borrowed, the LVR would be 50%.

ANZ Margin Lending key features and benefits

• Choice of variable or fixed interest options available
• Greater scope to diversify your investment portfolio by providing a larger pool of money to invest
• Simple, convenient and fast application and approval process
• High LVR of up to 70% for most investment funds
• A convenient 5% buffer is provided to allow for market fluctuations
• Tax advantages – depending on individual circumstances
• A convenient regular geared savings plan is available
• Applications for an ANZ margin loan can be made with initial investment or at a later date 
• No repayments on either the borrowed amount or the interest is necessary if the LVR is maintained
• Choice of flexible repayment options
• Competitive interest rates.

The minimum initial loan advance is $10,000 or $2,500 using the regular geared investment plan.

Please note that, while margin lending can increase the potential return on investments, it is important to recognise that it can also potentially increase losses as well as the associated risks.

Contribute to your investment via BPAY and Direct Credit

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