What are investment accounts and how can they make you money?

You've probably heard that investment accounts can help you grow your wealth, but with so many options, it can be hard to choose which one is right for you.

There are many different ways to invest your money; financial institutions tailor different accounts to suit different people.

In this guide, you'll read about the different types of investment accounts as well as the benefits and the risks associated with them.

What are investment accounts?

An investment account is a broad term applied to any account that holds cash or investments such as bonds, stocks, ETFs, cryptocurrency or mutual funds.

When you read about investment accounts, it usually means share trading accounts, self managed super fund accounts, term deposits, deeming accounts or retirement accounts.

It's important to note that various types of investment accounts present different risks and returns. Not all of them will be suitable for you, depending on your investment strategy.

What are the different types of investment accounts?

Investment accounts include a number of different financial products. Common types of investment accounts include the following:

• Share trading investment accounts. You trade securities by using a share trading account. This type of account has features that will appeal to traders, such as free brokerage. A share trading investment account can also be tailored to suit your needs, for example, an investment account can easily be made into an investment loan if you need more capital.
• SMSFs. An SMSF can include a number of accounts: an account for SMSF savings, an account for day-to-day expenses and an account for trading and investing. SMSF investment accounts are offered by most major financial institutions.
• Margin loans. A margin loan gives you a line of credit to use to invest. Margin loans can be secured by a property or some other asset, such as a share portfolio. Margin loans can only be used for certain investments, but you can use a margin loan to invest in common types of investment accounts. The downside with margin loans is that your shares can be used as collateral, so if the share price falls, then your shares could be taken by your creditor to cover the loan.
• Term deposits. This is one of the safest ways to invest your money. It gives a higher return when you lock your money away for longer periods. There's a penalty if you want to access your money before the term deposit matures and there are bonuses if you continue to invest your money once the first investment matures. Term deposit accounts are common and you can easily compare rates and fees using websites such as finder.com.au
• Cash management accounts. A cash management account is also called a high interest savings account. Like a term deposit, this investment account gives you a guaranteed return on your deposit. Unlike a term deposit, you can earn bonus interest for an introductory period or when you meet certain conditions, such as maintaining a minimum monthly deposit, and you can access your money when you want without penalty.
• Deeming account/retirement account. This type of investment account is aimed at Australians who are retired or claiming government benefits. Funds in a retirement account accrue interest at a rate tethered to the government's deeming rate — the investment rate of return used to calculate Centrelink benefits. Deeming accounts are offered by most registered deposit taking institutions.

Share Trading Account Offer

IG Share Trading

AUD 0

Standard brokerage - Australian shares

Share Trading Account Offer

Competitive broker fees on Australian shares, international shares, forex and CFD trading

• Monthly fee: $0.00
• Brokerage fee - standard trade: $8
• International: Yes
• Support - After hours: Yes

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Important: Share trading carries risk of capital loss.

Disclaimer: Trading CFDs and forex on leverage is high-risk and losses could exceed your deposits.

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• Share Trading
• SMSFs
• Term Deposits
• Cash Management
• Deeming

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Name	Product	Price per trade	Inactivity fee	Asset class	International
eToro Finder AwardExclusive		$0	US$10 per month if there’s been no log-in for 12 months	ASX shares, Global shares, US shares, ETFs	Yes	CFD service. Capital at risk. Finder exclusive: Get 12 months of investment tracking app Delta PRO for free when you fund your eToro account (T&Cs apply). Join the world’s biggest social trading network when you trade stocks, commodities and currencies from the one account.	Go to site More Info	Compare	loading Fetching your data...
CMC Invest Finder Award		$0	$0	ASX shares, Global shares, Options trading, US shares, mFunds, ETFs	Yes	$0 brokerage on global shares including US, UK and Japan markets. Trade up to 35,000 products, including shares, crypto, ETFs and managed funds, with access to 15 major global and Australian stock exchanges. Plus, buy Aussie shares for $0 brokerage up to $1,000. (Limited to one buy order per stock per trading day).	Go to site More Info	Compare	loading Fetching your data...
Moomoo Share Trading Exclusive		US$0.99	$0	ASX shares, Global shares, US shares, ETFs	Yes	Finder exclusive: Get an additional 30 days on top of the regular brokerage-free period for new accounts (see link for details). T&Cs apply. Trade shares on the ASX, the US markets and buy ETFs with Moomoo. Plus join a community over 18 million investors.	Go to site More Info	Compare	loading Fetching your data...
Tiger Brokers Exclusive		US$2	$0	ASX shares, Global shares, US shares, ETFs	Yes	Finder exclusive: Get 10 brokerage-free trades for the US or ASX market for the first 180 days and US$50 fractional shares when you deposit at least US$500. Plus, all new customers get 1 free trade per month for the first 12 months (T&Cs apply). Get one brokerage-free trade per month for the first 12 months for US or ASX markets. T&Cs apply.	Go to site More Info	Compare	loading Fetching your data...
Webull		US$0.25	$0	ASX shares, Options trading, US shares, ETFs	Yes	Earn US$100 in cash vouchers when you fund your new account and maintain a minimum balance of US$2,000 by Dec 29 until March 31, 2024. Plus, earn up to 5.3% p.a. interest on your US cash account (T&Cs apply). Trade ASX and US stocks and US options, plus gain access to inbuilt news platforms and educational resources. You can also start trading for less with fractional shares.	Go to site More Info	Compare	loading Fetching your data...
IG Share Trading Finder Award		US$0	$0	ASX shares, Global shares, US shares, UK shares, ETFs	Yes	$0 brokerage for US and global shares plus get an active trader discount of $5 commission on Australian shares. Enjoy some of the lowest brokerage fees on the market when trading Australian and international shares, plus get access to 24-hour customer support.	Go to site More Info	Compare	loading Fetching your data...

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Important: The standard brokerage fee displayed is the trade cost for new customers to purchase $1,000 of either Australian or US shares. Where a platform charges different fees for both US and Australian shares we show the lower of the two. Where both CHESS sponsored and custodian shares are offered, we display the cheapest option.

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Name	Maximum Variable Rate p.a.	Standard Variable Rate p.a.	Intro Period	Government Guarantee	Monthly Max Rate Conditions
AMP SuperEdge Saver Account	Maximum Variable Rate p.a. 4.65%	Standard Variable Rate p.a. 3.20%	Intro Period 6 months	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
ANZ SMSF Cash Hub	Maximum Variable Rate p.a. 2.05%	Standard Variable Rate p.a. 2.05%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
AMP SuperEdge Cash Account	Maximum Variable Rate p.a. 1.00%	Standard Variable Rate p.a. 1.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Commonwealth Bank SMSF Direct Investment Account	Maximum Variable Rate p.a. 3.20%	Standard Variable Rate p.a. 3.20%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Rabobank Notice Saver SMSF (90 days)	Maximum Variable Rate p.a. 4.45%	Standard Variable Rate p.a. 4.45%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Australian Military Bank DIY Super Saver Account	Maximum Variable Rate p.a. 4.15%	Standard Variable Rate p.a. 4.15%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Bank of Queensland Superannuation Savings Account	Maximum Variable Rate p.a. 3.50%	Standard Variable Rate p.a. 1.60%	Intro Period 4 months	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
G&C Mutual Bank Bonus Saver Account	Maximum Variable Rate p.a. 4.65%	Standard Variable Rate p.a. 0.10%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Geelong Bank Achieve Saver Account	Maximum Variable Rate p.a. 2.71%	Standard Variable Rate p.a. 1.31%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Geelong Bank Superfund Maximiser Account	Maximum Variable Rate p.a. 4.20%	Standard Variable Rate p.a. 4.20%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Heritage Bank Online Saver	Maximum Variable Rate p.a. 4.90%	Standard Variable Rate p.a. 3.45%	Intro Period 4 months	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
IMB DIY Super	Maximum Variable Rate p.a. 2.40%	Standard Variable Rate p.a. 2.40%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
ING Business Optimiser	Maximum Variable Rate p.a. 1.00%	Standard Variable Rate p.a. 0.60%	Intro Period 6 months	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Macquarie Credit Union Online Savings Account	Maximum Variable Rate p.a. 3.50%	Standard Variable Rate p.a. 0.50%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
ME Business Online Savings Account	Maximum Variable Rate p.a. 1.00%	Standard Variable Rate p.a. 1.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Qudos Bank DIY super saver	Maximum Variable Rate p.a. 4.70%	Standard Variable Rate p.a. 0.35%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Bank of us Super Advantage	Maximum Variable Rate p.a. 1.50%	Standard Variable Rate p.a. 1.50%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
BankWAW SMSF Saver	Maximum Variable Rate p.a. 2.05%	Standard Variable Rate p.a. 2.05%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Police Credit Union Super MyWay	Maximum Variable Rate p.a. 4.10%	Standard Variable Rate p.a. 4.10%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...

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Name	3 Mths p.a.	4 Mths p.a.	5 Mths p.a.	6 Mths p.a.	7 Mths p.a.	12 Mths p.a.	24 Mths p.a.
Judo Bank Term Deposit Finder Award$1,000 min. deposit	3 Mths p.a. 4.90%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 5.05%	7 Mths p.a. -	12 Mths p.a. 5.35%	24 Mths p.a. 5.35%	Go to siteMore Info Compare
Bankwest Online Term Deposit $1,000 min. deposit$5,000,000 max. deposit	3 Mths p.a. 3.75%	4 Mths p.a. 3.00%	5 Mths p.a. 3.00%	6 Mths p.a. 4.25%	7 Mths p.a. 4.00%	12 Mths p.a. 4.90%	24 Mths p.a. 4.85%	Go to siteMore Info Compare
BCU Term Deposit $1,000 min. deposit$999,999 max. deposit	3 Mths p.a. 4.35%	4 Mths p.a. 3.70%	5 Mths p.a. 3.40%	6 Mths p.a. 4.60%	7 Mths p.a. 4.55%	12 Mths p.a. 4.75%	24 Mths p.a. 4.40%	Go to siteMore Info Compare
Community First Bank Term Deposit $1,000,000 max. deposit	3 Mths p.a. 4.20%	4 Mths p.a. 4.20%	5 Mths p.a. 4.20%	6 Mths p.a. 4.25%	7 Mths p.a. 4.25%	12 Mths p.a. 5.25%	24 Mths p.a. 5.00%	Go to siteMore Info Compare
Newcastle Permanent Term Deposit $1,000 min. deposit	3 Mths p.a. 4.00%	4 Mths p.a. 3.00%	5 Mths p.a. 3.00%	6 Mths p.a. 4.10%	7 Mths p.a. 3.60%	12 Mths p.a. 5.10%	24 Mths p.a. 4.75%	More Info Compare
Macquarie Bank Term Deposit $5,000 min. deposit$1,000,000 max. deposit	3 Mths p.a. 4.85%	4 Mths p.a. 4.85%	5 Mths p.a. -	6 Mths p.a. 4.95%	7 Mths p.a. -	12 Mths p.a. 5.05%	24 Mths p.a. 5.00%	More Info Compare
Rabobank Term Deposit $1,000 min. deposit$2,000,000 max. deposit	3 Mths p.a. 4.80%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 4.90%	7 Mths p.a. -	12 Mths p.a. 5.10%	24 Mths p.a. 5.00%	More Info Compare
Australian Unity Term Deposit $5,000 min. deposit	3 Mths p.a. 4.55%	4 Mths p.a. 1.15%	5 Mths p.a. 1.15%	6 Mths p.a. 4.75%	7 Mths p.a. 1.50%	12 Mths p.a. 5.10%	24 Mths p.a. 4.20%	More Info Compare
Great Southern Bank Term Deposit Account $5,000 min. deposit$1,000,000 max. deposit	3 Mths p.a. 4.20%	4 Mths p.a. 2.95%	5 Mths p.a. 2.95%	6 Mths p.a. 4.60%	7 Mths p.a. 3.05%	12 Mths p.a. 4.85%	24 Mths p.a. 4.70%	More Info Compare

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Name	Maximum Variable Rate p.a.	Standard Variable Rate p.a.	Intro Period	Government Guarantee	Monthly Max Rate Conditions
AMP Cash Manager	Maximum Variable Rate p.a. 4.80%	Standard Variable Rate p.a. 0.60%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
NAB Cash Manager	Maximum Variable Rate p.a. 0.55%	Standard Variable Rate p.a. 0.55%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
BankSA Investment Cash Account	Maximum Variable Rate p.a. 1.00%	Standard Variable Rate p.a. 1.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Hume Bank Professional Cash Management Account	Maximum Variable Rate p.a. 0.01%	Standard Variable Rate p.a. 0.01%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
First Option Bank Cash Management Account	Maximum Variable Rate p.a. 3.00%	Standard Variable Rate p.a. 3.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Northern Inland Credit Union Cash Management Account	Maximum Variable Rate p.a. 1.50%	Standard Variable Rate p.a. 1.50%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Central West Credit Union Cash Management	Maximum Variable Rate p.a. 1.85%	Standard Variable Rate p.a. 1.85%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...

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Name	Maximum Variable Rate p.a.	Standard Variable Rate p.a.	Intro Period	Government Guarantee	Monthly Max Rate Conditions
IMB Wisdom Saver	Maximum Variable Rate p.a. 2.55%	Standard Variable Rate p.a. 2.55%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Bank Australia Pension Access Account Green Company	Maximum Variable Rate p.a. 1.70%	Standard Variable Rate p.a. 1.70%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
AMP SuperEdge Pension Account	Maximum Variable Rate p.a. 0.60%	Standard Variable Rate p.a. 0.60%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Bank First Pension Account	Maximum Variable Rate p.a. 3.40%	Standard Variable Rate p.a. 3.40%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Greater Bank Retirement Plus	Maximum Variable Rate p.a. 2.40%	Standard Variable Rate p.a. 2.40%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
NAB Retirement Account	Maximum Variable Rate p.a. 2.15%	Standard Variable Rate p.a. 2.15%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
AWA Alliance Bank Pensioner Account	Maximum Variable Rate p.a. 2.50%	Standard Variable Rate p.a. 2.50%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Westpac 55+ and Retired	Maximum Variable Rate p.a. 2.30%	Standard Variable Rate p.a. 2.30%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Defence Bank Retirement Savings Account	Maximum Variable Rate p.a. 1.70%	Standard Variable Rate p.a. 1.70%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
G&C Mutual Bank Pensioner Plus Account	Maximum Variable Rate p.a. 4.00%	Standard Variable Rate p.a. 4.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Police Bank Retirement Plus	Maximum Variable Rate p.a. 2.00%	Standard Variable Rate p.a. 2.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Australian Military Bank Capital Guaranteed Pension	Maximum Variable Rate p.a. 0.25%	Standard Variable Rate p.a. 0.25%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Nova Alliance Bank Pensioner Account ( S54 ) - Discontinued	Maximum Variable Rate p.a. 2.15%	Standard Variable Rate p.a. 1.90%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Queensland Country Bank Pension Plus Account	Maximum Variable Rate p.a. 3.20%	Standard Variable Rate p.a. 3.20%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Northern Inland Credit Union Pension Plus Account	Maximum Variable Rate p.a. 2.30%	Standard Variable Rate p.a. 2.30%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Horizon Bank Advantage 55	Maximum Variable Rate p.a. 2.50%	Standard Variable Rate p.a. 2.50%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Central Murray Credit Union Pensioner Account	Maximum Variable Rate p.a. 2.30%	Standard Variable Rate p.a. 2.30%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
The Mutual Bank Retirement Account	Maximum Variable Rate p.a. 2.00%	Standard Variable Rate p.a. 2.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Police Credit Union Master Club	Maximum Variable Rate p.a. 4.00%	Standard Variable Rate p.a. 4.00%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...
Cairns Bank Pensioner	Maximum Variable Rate p.a. 2.75%	Standard Variable Rate p.a. 2.75%	Intro Period Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	View details Compare	loading Fetching your data...

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How do I compare investment accounts?

Consider these points when you compare investment accounts.

• Risk profile. In investing, you'll face a trade-off – the higher the risk, the higher the return. Savings accounts and term deposits are among the safest types of investments, whereas share trading has the potential for big gains and losses. Everyone has a different risk appetite. There is a relationship between your risk appetite and your investment goals.
• Your investment goals. Why are you investing? What is your time horizon? Is it to grow your retirement nest egg, are you saving for a deposit for a home or are you looking for a quick dollar? Access to capital and risk appetite are 2 important factors in deciding your investment goals and subsequently which investment account is right for you. For example, a high interest saving account is a better investment account for someone saving for their first home than a share trading account. Share trading can lead to big gains, but the chance of losing everything probably won’t appeal to someone saving for their first home. Your investment goals dictate your investment strategy, which is a must-have for anyone comparing investment accounts.
• Your investment strategy. Considering your investment goals, which investment account or investment account mix is suited to your needs? You can hedge your bets by choosing the right mix of investments. Your investment strategy also needs a time frame.
• The length of the investment. Are your investment goals short, medium or long term? Different investments have different investment cycles. You can invest in a term deposit for a set time. Your goals and time frame to realise those goals should help you make a decision about the best investment account for you.
• Liquidity. Also compare different investment accounts based on how easily you can access your money. Savings accounts are among the most liquid type of investment account, you can get your money when you want it. Securities only become a liquid asset if you can find a buyer.

What are the pros and cons of using an investment account?

What are the risks?

• How risky are you? The investment risk varies depending on the investment type. Term deposit and high interest savings accounts are basically no-risk investment accounts, but the returns are low compared to the potential for capital gains from trading shares.
• Margin lending. A margin loan investment account can be a great way to get capital to invest; however, this is a risky way to access cash. If you suffer a loss, the lender can claim the asset you use as security for the margin loan.

Frequently asked questions

• How do I open an investment account?

  You can apply for an investment account if you’re over 18 and if you’re applying in your own name or in the name of a trust. Each type of investment account has its own application requirements. Before you can open an investment account, you may need to have an account with the financial institution, like a transaction account and a credit card or a home loan for example. Some investment accounts have a minimum opening balance, you need to provide your address, your tax file number (you can supply this information after you apply) and information about any accounts you hold with the financial institution.

• Can I open a joint investment account?

  You can jointly open some investment accounts but it depends on the provider and type of account.

• Can I have more than one investment account?

  By holding a diverse spread of investments, you’re reducing your risk. You can have multiple savings accounts, share trading accounts and term deposits from the same or different financial institution at a time.

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Commonwealth Bank of Australia (CBA) share price climbs following the bank's latest earnings report. Discover what this means for Australia's largest bank and its investors.

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Shariah-compliant ETFs are now on the ASX: Here’s what to know

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Investors gain access to Australia’s first-ever Sukuk active exchange-traded fund.

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