*With the Cash option, we guarantee that the unit price will never fall. This means that any rise in the unit price since the units were purchased is also guaranteed. For the Global Fixed Interest, Conservative and Diversified options, we guarantee that when you withdraw or switch units out of these investment options, the unit price applied to units you purchased with your initial investment, or any additional contributions, that have been held for a minimum period (which is 2 or 3 years depending on the option), will be at least equal to the unit price at the time of purchase. Withdrawals or switches before the relevant minimum period will use the unit price for the day on which the withdrawal or switch occurs.
Things you should know:
This information is general advice only. You should consider your personal circumstances, financial objectives and needs and the relevant product disclosure statement before making a decision to purchase or continue to hold a product. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information. Please view our Financial Services Guide.
Lifestream Guaranteed Income annuity and CommInsure Investment Growth Bond are issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA), a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“CBA”). CommInsure is a registered business name of CMLA.
A Product Disclosure Statement (PDS) for the Lifestream Guaranteed Income annuity is available by clicking here and the CommInsure Investment Growth Bond PDS is available by clicking here, from your financial planner or by calling 1800 624 100 and should be considered before making any decision about the products.
Commonwealth Financial Planners are Representatives or Authorised Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.
The offers made in the Lifestream Guaranteed Income annuity PDS and the CommInsure Investment Growth Bond PDS are currently available only to persons receiving the documents within Australia. Applications from outside Australia will not be accepted.
Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information.
CMLA is not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.