An app so simple, it turns a non-investor into an investor

Investing might seem hard, and you may think you need a lot to get started. That’s why we made CommSec Pocket, a simple investing app that brings investing within your reach.

You can start investing with as little as $50, and gradually build a portfolio over time. Choose from 7 themed investment options and invest in something that appeals to you, like tech, sustainability leaders, or the biggest 200 companies on the Aussie market. We’ll help you along the way with bite-sized tips, videos, and articles to teach you all about the share market.

How it works

When you invest via CommSec Pocket, you’ll be buying units in an Exchange Traded Fund (ETF). ETFs are funds that trade on a stock exchange, just like shares – the difference is that an ETF represents an investment in a selection of companies and assets, while a share represents an investment in just one company. One ETF can give you exposure to a whole diverse portfolio.

Every ETF in CommSec Pocket has a theme. See below for all the options you can choose from, covering different industries, markets or countries.

To learn more about ETFs, check out the FAQs below.

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Investment options

Invest in something that matters to you, with 7 options to choose from:

 

Benefits

Simplified investing, anytime, anywhere.

 

Risks

All investments come with some degree of risk, so it’s important to do your research before you commit to anything.


Risk of capital loss

ETFs can go up or down in value. If you sell your investment when the price is lower than what you paid for it, you’ll lose money.


Currency risk

If you buy an ETF that invests in overseas companies or assets, a change in the value of the Australian Dollar might affect the value of your investment.


ETF-specific risks

Some ETFs will have their own specific risks, so always read the Product Disclosure Statement (PDS), also available via the app, before you invest.

Rates and fees

When you trade through the app, you’ll pay $2 each time you invest or sell up to $1,000.

Trades over $1,000 are charged at 0.20% of the trade value. For example, a $1,100 trade will cost you $2.20 ($1,100 x 0.20%)

It costs nothing to have an account. Ever.

Cash is debited from your account 2 business days after your trade is done. This is when your trade settles. If there are insufficient funds when we debit, you’ll be charged a $10 Late Settlement Fee.

Each ETF provider charges a management fee for providing the ETF to investors. The fee ranges from 0.09% to 0.67% of your investment per year depending on the ETF. It’s not an out-of-pocket fee. Rather, it’s deducted from the ETF’s unit price. The fee is shown when you browse the investments. The fee is charged by the ETF provider, not by CommSec.

Fees apply for supplementary services. For more info, see our Financial Services Guide.

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Search 'CommSec Pocket' in the App Store or Google Play to download the app and start investing today.

Your questions answered

CommSec Pocket is an investing app for people who are new to the share market and want a simpler investing experience.

With just 7 investment options to pick from, CommSec Pocket makes it easier to decide what to invest in. You can choose to invest in one, some, or all of the options.

CommSec Pocket allows you to build a discipline in investing through the option of automated fortnightly or monthly investments. And it makes investing more affordable, allowing you to invest as little as $50 with a transparent pay-as-you-trade fee. Zero account fees, ever.

The ETFs are issued and managed by leading ETF fund managers. They are not issued or managed by CommSec.

You’re investing in an Exchange Traded Fund (ETF). ETFs are traded on a stock exchange like listed shares. 

Exchange Traded Funds (ETFs) are traded on a stock exchange like listed shares. What makes an ETF different from shares is that an ETF is a basket of companies and assets, while a share represents an investment in just one company.

The composition of the basket is normally based on an “index”, which is a benchmark of companies that have the same characteristics. For instance, they could belong to the same market (think the ASX or US exchange), industry (like healthcare), theme (like sustainability), or the same strategy (like high-dividend companies).

You will own units in the ETF, while the ETF owns the underlying investment in the companies and assets. The ETFs are issued and managed by leading ETF fund managers. They are not issued or managed by CommSec.

With CommSec Pocket you can start investing with as little as $50 at a time. You can make a one-off investment, or set up regular investments to build your portfolio steadily over time.

There is no need to maintain a certain investment balance.

When you trade through the app, you'll pay $2 each time you invest or sell up to $1,000.

Trades over $1,000 are charged at 0.20% of the trade value. For example, a $1,100 trade will cost you $2.20 ($1,100 x 0.20%).

We don’t charge any ongoing account keeping fees, but we might charge other fees in some situations. For example, we debit your account 2 days after you buy – this is known as T+2 settlement. If you have insufficient funds when we try to debit, we may charge a late settlement fee of $10.

For more info, check our Financial Services Guide.

 

It costs nothing to have an account. Ever. Even if you don’t have any money invested.

When the market is open on business days, your order to invest will be fulfilled that day. Outside of those times, your order will be fulfilled when the market next opens. The details are in our Best Execution Policy.

We then debit your bank account two business days after your order is fulfilled. This is the standard process for investing in the share market: trade now and settle two business days later.

You can set up an automatic investment in an ETF every fortnight or month. Just decide how much you want to invest, the frequency and the start date, and the app will do the rest.

You’ll always be in control of the regular investment. The day before every investment cycle, the app will remind you of what’s about to happen. You can easily cancel it. And every six months, we’ll check in with you to see if you want to continue.

When you invest, you are buying an investment in ETFs. You can place an order to sell part or all of your investment at any time. The sale will occur when the share market is open on business days. You’ll receive the proceeds into your bank account two business days after the sale.

Yes. In NetBank and the CommBank app, you’ll be able to see how much you’ve invested with CommSec Pocket alongside your CommBank accounts.

You’ll need to apply online for a CommBank transaction account – this normally takes about 5 minutes. Sign up now. Once you’ve received your NetBank ID, you can use it to open an account with CommSec Pocket. The reason you need a CommBank transaction account is because this is where we’ll debit or deposit funds when you buy or sell investments.

Commonwealth Securities Limited ABN 60 067 254 399, AFSL 238814 (CommSec) is a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945. This information is not advice and has been prepared without taking into account your objectives, financial situation or needs. You should consider its appropriateness for your circumstances. Investing carries risks. The value of your investment may go down as well as up. Brokerage is charged at $2 per trade, for trades up to $1,000 and 0.20% for trades above $1,000. Please consider the Financial Services Guide for fees and charges. To operate a CommSec Pocket account, you’ll need an eligible CommBank transaction account. Please consider the full terms and conditions which are available on request.

 

Disclaimer

This site is directed and available to and for the benefit of Australian residents only. © Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 ("CommSec") is a wholly owned, but non guaranteed, subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 and both entities are incorporated in Australia with limited liability.

By clicking on the "Download the CommSec App" buttons above, you will be directed to itunes.apple.com or play.google.com. These sites are not affiliated with CommSec and may offer a different Privacy Policy and level of security.

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