Investing Money

Income variations due to seasonality can make the principles of investing money in your agribusiness quite different from those in other businesses.

Our Business Bankers understand this and look beyond the short term cycles to work with you on long term success.

Dealing with surplus cash
When income is received by your business, you may want to place it into a flexible investment that earns interest but provides easy access to your money.

For flexibility and competitive returns, you may like to consider a Farm Management Deposit Account. This is a tax-effective investment facility that allows primary producers to help manage risk by setting aside pre-tax income in good years to establish cash reserves and help meet costs in other years.

Some of the benefits include:

• the opportunity to shift pre-tax income from years when you need it least to years when it is most needed
• the ability to deduct the amount of deposits from your assessable income, with competitive interest paid on 100 per cent of eligible deposits
• flexibility and choice through fixed term and at call options

You may also like to take a look at the Cash Deposit Account or a Commonwealth Cash Management Trust Account both offering easy access and attractive terms.

Security Investments (Negotiable Certificates of Deposit or Bills of Exchange accepted or endorsed by Australian banks) can be an attractive alternative investment to cash accounts. They offer competitive rates that are fixed until the investment matures.

Saving for a dry day
If you have a lump sum which you don’t need for a while, you might like to consider investing it. Take a look at our Term Deposits.

Building an alternative source of income
In farming and agribusiness, you need to take time out to think about your future and your long-term financial security. Whether you're thinking of retirement, planning for your family's education, diversifying your investment portfolio, or seeing your farm or agribusiness transferred to the next generation, AgriOptions has a range of solutions to help you gain your well-deserved financial security.

Diversification is an important part of any investment strategy.

A range of options are available to help you diversify your asset base including Home and Investment Home Loans, Security Investments, Cash Deposit Account, and Term Deposits.

Retirement planning
To plan for a secure income when you retire from the farm or hand over control to the next generation, it’s essential to put some retirement planning strategies in place.

Investing for retirement can take many forms. As well as superannuation, the Commonwealth Bank Group offers Term Deposits and investing in shares through CommSec#.

Important information about advice
As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances.

Farm Management Deposit Accounts, Cash Deposit Account, Term Deposit, Security Deposits - Negotiable Certificates of Deposit (issued by the Commonwealth Bank of Australia) and Security Deposits - Negotiable Certificates of Deposit (issued by a bank other than the Commonwealth Bank of Australia) are offered by the Commonwealth Bank of Australia, view the Bank's Financial Services Guide (PDF 59kb). View disclosure documents for Farm Management Deposit Account General Information and Terms & Conditions (PDF 2.53mb), Cash Deposit Account (PDF 567kb), Term Deposit (PDF 92kb),  Security Deposits - Negotiable Certificates of Deposit (issued by the Commonwealth Bank of Australia) (PDF 429kb) and  Security Deposits - Negotiable Certificates of Deposit (issued by a bank other than the Commonwealth Bank of Australia) (PDF 393kb) and consider them before making any decision about these products.

Commonwealth Cash Management Trust (CCMT) is issued by Commonwealth Managed Investments Limited ABN 33 084 098 180 AFSL 235384, a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia (the Bank). The advice on this page in respect of CCMT is from Commonwealth Managed Investments Limited. View the  Financial Services Guide of Commonwealth Financial Services (PDF 66kb), which is a part of Commonwealth and Colonial Products, a division of the Commonwealth Bank of Australia. View the Product Disclosure Statement (PDS) for  CCMT (PDF 215kb) and consider it before making any decision about this product.

The Bank and its subsidiaries do not guarantee or in any way stand behind the performance of CCMT or the repayment of capital in CCMT. Investments in CCMT are not deposits or other liabilities of the Bank or its subsidiaries and investment-type products are subject to investment risk including possible delays in repayment and loss of income and principal invested.

Other important information
#Commonwealth Securities Limited ABN 60 067 254 399 (CommSec) is a wholly-owned but not guaranteed subsidiary of the Commonwealth Bank of Australia and a Participating Organisation of the Australian Stock Exchange.