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Best investment accounts in Australia

7 popular investment accounts for the risk-adverse, risk-takers and everyone in between.

What is the best investing account in Australia?

When it comes to choosing an investment account, there's no single one that's best for everyone as all our needs are different – and what's best for you might not be best for someone else.

The "best" investment for you will be the one that best suits your risk profile, starting capital, time horizon and overall investment goals.

Also it's worth highlighting we don't compare every product in the market, but we hope that our tools and information will allow you to compare your options and find the best investment account for you.

How to choose an investment account

There are many ways that you can grow your money. Savings accounts, term deposits, superannuation, share trading and foreign exchange are all investment options that people use to increase their wealth.

Each type of investment comes with its own potential return and associated level of risk. As a general rule, the safest options offer the lowest returns, while the riskiest options have the potential for bigger returns.

For example, the stock market has historically had a better return than that offered on savings accounts, but it's also possible to lose money on stocks, while that isn't really possible with a savings account.

If you’re looking to earn more from your money, start by considering whether you’re comfortable taking a loss.

Other factors, such as investment size and horizon, also play a part, as does the current macroeconomic environment. When cash rates are low, keeping your money in a savings account may not represent the best risk and reward profile, while the opposite might be true when rates are high.

If you'd like to invest your money outside of super, you can find an analysis of other investment accounts below.

You may also want to consider diversifying your investments across a number of the investment types we've included in this guide.

We've divided your options into zero-risk investments (such as savings accounts and term deposits) and riskier investments (like stocks or forex) to give you an overview of your investing account options.

Are there any no-risk investment accounts?

Low- or zero-risk investments where your money is guaranteed include high-interest savings accounts and term deposits. With these kinds of investments, you'll make a small capital gain on your money with no real potential for loss.

In Australia, when it comes to savings accounts, your money is guaranteed by the government, up to the first $250,000 you have with a financial institution. This is a legacy from the global financial crisis but means today's savers' capital is secure regardless of what happens to the authorised deposit taking institution.

1. Savings accounts

Savings accounts are among the most widely used types of investment accounts by Australians because they're completely safe and your funds can be deposited or withdrawn at any time without hassle.

High-interest savings accounts offer the most competitive rates in the market.

Key features of a savings account

  • Has no minimum deposit requirements
  • Is an ongoing investment
  • Earns income from interest payments based on the size of your cash deposit
  • Sometimes pays bonus interest during an introductory period
  • Allows your money to remain available to withdraw when you want
  • Can be easily accessed online or at a bank branch
  • Generally low or no fees

What are the potential downsides of savings accounts?

One of the biggest risks of savings accounts is the opportunity cost of not investing your money in an account with the potential for higher returns.

In Australia, interest rates have remained relatively high throughout 2023 and 2024, but economists are predicting that rates will come down over the next 6-12 months. If rates come down, so too will the money you earn from leaving your cash in a savings account.

1 - 12 of 183
Name Maximum Variable Rate p.a. Standard Variable Rate p.a. Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Suncorp Bank Growth Saver Account
Suncorp Bank logo
Maximum Variable Rate p.a.
5.05%
Standard Variable Rate p.a.
0.35%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance by $200 each month (excl. interest)
  • Only 1 withdrawal
  • No balance limit on earning interest
Go to siteView details
Ubank High Interest Save Account
Ubank logo
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $500
  • Savings up to $100,000
Go to siteView details
ING Savings Accelerator ($150,000 - $500,000)
ING logo
Maximum Variable Rate p.a.
5.40%
Standard Variable Rate p.a.
4.70%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Welcome rate applies up to $500K
Go to siteView details
Rabobank PremiumSaver
Rabobank logo
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
1.45%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow your balance by $200+ each month
  • Balances up to $250,000
Go to siteView details
Macquarie Savings Account
Macquarie Bank logo
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
5.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Go to siteView details
Newcastle Permanent Smart Saver Account
Newcastle Permanent logo
Maximum Variable Rate p.a.
4.50%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance
  • No more than 2 withdrawals
Go to siteView details
ING Savings Maximiser
ING logo
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.55%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1,000
  • 5 transactions
  • Grow your balance
  • Balances up to $100,000
Go to siteView details
Get 6 months free delivery and $50 Menulog credit with a new Orange Everyday & Savings Maximiser account. New ING customers only. Use code INGMENU1 and activate accounts by 24 Nov 2024. T&Cs apply.
IMB Reward Saver Account
IMB logo
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $50
  • No withdrawals
  • Balances up to $1,000,000
Go to siteView details
Earn up to 3.25% p.a. after the introductory period ends.
First Option Bank Savings+Bonus Account
First Option Bank logo
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
2.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $100
  • No withdrawals
  • Balances up to $249,999
Go to siteView details
Newcastle Permanent Online Savings Account
Newcastle Permanent logo
Maximum Variable Rate p.a.
5.20%
Standard Variable Rate p.a.
1.00%
Intro/Ongoing
3 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
Bankwest Easy Saver
Bankwest logo
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
4.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000.99
Go to siteView details
BCU Bonus Saver
BCU logo
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
1.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Go to siteView details
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Showing 12 of 12 results

2. Notice saver accounts

A notice saver is a relatively new product in Australia and a hybrid between a term deposit and a savings account. While your interest rate is variable as with a savings account, you can't access your funds immediately. Instead, you need to give notice of a month or more to withdraw your money. Notice periods are usually 30, 60 or 90 days.

Key features of a notice saver

  • No term date, but requires that you give notice to withdraw funds, typically 30, 60 or 90 days
  • Has a variable rate of interest which may benefit you
  • Is an ongoing investment; funds are withdrawn to a linked transaction or savings account
  • No minimum deposit usually required

What are the potential downsides of notice savers?

Notice Savers may potentially offer slightly higher rates than regular savings accounts, but come with the caveat that you can't access your money without seeing out the notice period.

While some investors may see this as a worthwhile trade off, for others it means they're giving up the flexibility of a savings account for potentially little in return.

Compare notice saver accounts

3. Term deposits

A term deposit is a set and forget investment. You agree to deposit your money for a fixed term and get paid a fixed amount of interest over the life of the investment. As a banking product, there is no risk that you will lose your funds. On the other hand, if interest rates go up and you're locked into a lower rate account, you risk being stuck in an underperforming investment.

Compare term deposit accounts

1 - 10 of 173
Name 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 11 Mths p.a. 12 Mths p.a. 24 Mths p.a.
Newcastle Permanent Term Deposit
Newcastle Permanent logo
$1,000 min. deposit
3 Mths p.a.
4.00%
4 Mths p.a.
4.00%
5 Mths p.a.
4.00%
6 Mths p.a.
4.75%
7 Mths p.a.
3.80%
11 Mths p.a.
-
12 Mths p.a.
4.55%
24 Mths p.a.
4.00%
Go to siteMore Info
Judo Bank Term Deposit
Judo Bank logo
Finder Award$1,000 min. deposit
3 Mths p.a.
5.00%
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
5.15%
7 Mths p.a.
-
11 Mths p.a.
-
12 Mths p.a.
5.00%
24 Mths p.a.
4.75%
Go to siteMore Info
Rabobank Term Deposit
Rabobank logo
$1,000 min. deposit$2,000,000 max. deposit
3 Mths p.a.
4.85%
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
4.90%
7 Mths p.a.
-
11 Mths p.a.
-
12 Mths p.a.
4.55%
24 Mths p.a.
4.00%
Go to siteMore Info
BCU Term Deposit
BCU logo
$1,000 min. deposit$999,999 max. deposit
3 Mths p.a.
4.30%
4 Mths p.a.
4.90%
5 Mths p.a.
4.00%
6 Mths p.a.
4.95%
7 Mths p.a.
4.00%
11 Mths p.a.
-
12 Mths p.a.
3.80%
24 Mths p.a.
3.80%
Go to siteMore Info
Bankwest Term Deposit
Bankwest logo
$1,000 min. deposit$10,000,000 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%
11 Mths p.a.
-
12 Mths p.a.
4.70%
24 Mths p.a.
3.90%
Go to siteMore Info
Judo Bank Business Term Deposit
Judo Bank logo
$1,000 min. deposit
3 Mths p.a.
5.00%
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
5.15%
7 Mths p.a.
-
11 Mths p.a.
-
12 Mths p.a.
5.00%
24 Mths p.a.
4.75%
Go to siteMore Info
Rabobank Term Deposit (SMSF)
Rabobank logo
$1,000 min. deposit$2,000,000 max. deposit
3 Mths p.a.
4.85%
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
4.90%
7 Mths p.a.
-
11 Mths p.a.
-
12 Mths p.a.
4.55%
24 Mths p.a.
4.00%
Go to siteMore Info
Australian Unity Term Deposit
Australian Unity logo
$5,000 min. deposit
3 Mths p.a.
4.65%
4 Mths p.a.
1.15%
5 Mths p.a.
1.15%
6 Mths p.a.
4.70%
7 Mths p.a.
1.50%
11 Mths p.a.
1.75%
12 Mths p.a.
4.55%
24 Mths p.a.
3.95%
More Info
ING Term Deposit
ING logo
$10,000 min. 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.
4.65%
11 Mths p.a.
-
12 Mths p.a.
4.95%
24 Mths p.a.
4.40%
More Info
Great Southern Bank Platinum Plus 55+
Great Southern Bank logo
$5,000 min. deposit$1,000,000 max. deposit
3 Mths p.a.
-
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
-
7 Mths p.a.
-
11 Mths p.a.
-
12 Mths p.a.
4.45%
24 Mths p.a.
4.10%
More Info
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Showing 10 of 173 results

Key features of a term deposit

  • Has a minimum deposit requirement higher than a savings account
  • Requires you to lock your money away for a term ranging from 1 month to several years
  • Pays a fixed rate of interest over the life of the investment
  • Is a fee-free investment, though break fees apply for withdrawing funds before the end of the term
  • Is available to both personal and institutional investors
  • Is not an ongoing investment, but funds can be rolled over to another term deposit at maturity

What are the potential downsides of term deposits?

Like savings accounts and notice savers, the return you'll get from a term deposit is directly impacted by current interest rates. While term deposits offer a guaranteed return over an agreed period of time, they won't necessarily be the most effective way to invest your cash.

If you put your money in a term deposit and then interest rates continue to rise, chances are you would have been better off leaving your money in a standard savings account with a variable interest rate.

Back to top

Riskier investment options

Any investment held outside of a bank account will carry some kind of risk because funds aren't guaranteed by the government if a company collapse occurs. At the same time, there's an opportunity to make higher returns and the risk of a company collapse is low for many well established organisations – it's all about doing your research.

Non-banking investments include exchange-traded funds (ETFs), P2P funds, share trading, managed funds and portfolios offered by robo-advisors. The following investments offer varying levels of risk and won't be suitable for everyone. Click through to their respective guides for more information.

4. Peer-to-peer investing accounts

Peer to peer (P2P) lending investment accounts appear like a mash between bonds and savings accounts. They'll have the same face value as a term deposit but because they're non-bank investments, you don't have the same safety guarantee.

They offer a fixed rate – typically much higher than those of savings accounts or term deposits – and your funds are locked down for a specified term.

Name Product AUFST-P2P Minimum deposit Target return Investment term Available to everyday customers?
Plenti (Investing)
$10
up to 8.0% p.a.
1 month to 7 years
Yes
Plenti is a peer-to-peer lender that connects investors with borrowers.
SocietyOne
SocietyOne
$100,000
Up to 6% p.a.
1 to 7 years
No
Marketlend
Marketlend
$1,000
Up to 13.3% p.a.
1 year
No
Thin Cats
Thin Cats
$1,000
Up to 16% p.a.
2 to 5 years
No
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Key features of P2P investing accounts

  • Competitive return on investment typically higher than savings accounts or term deposits
  • Investors take on a higher level of risk than with term deposits and there's no guarantee of a return
  • Funds are locked away for a set period of time
  • Your funds are being loaned to borrowers
  • It's not an ongoing investment, but funds can be rolled over

Important stats to consider in 2024

Peer-to-peer (P2P) investing has become an increasingly significant part of investment portfolios in 2024, with several analyses and market reports highlighting its growth and strategic importance. Here are some key points and statistics around P2P investing in 20241:

  • Market growth. The P2P lending market has seen substantial growth. From 2023 to 2024, the market is expected to grow from $143.54 billion to $190.22 billion, a compound annual growth rate (CAGR) of 32.5%. This growth can be attributed to factors like market disruption, regulatory changes, and investor appetite.
  • Future market projections. Looking ahead, the P2P lending market is projected to continue its growth trajectory, reaching an estimated $559.73 billion by 2028, with a CAGR of 31.0%. This anticipated growth is likely due to a maturing regulatory environment and innovations in risk management.
  • Driving factors. Key factors driving the growth of P2P lending include the surge in digitisation within the banking industry and the provision of low-interest rates by P2P lending platforms. These platforms are becoming increasingly attractive to borrowers and investors due to their competitive rates compared to traditional banks.
  • Innovations in the market. In 2024, the P2P market has seen remarkable innovations, particularly in the integration of blockchain technology for enhanced security and transparency. Another significant development is the advent of AI-driven platforms that offer personalised lending and borrowing experiences, making it easier for users to find matches that suit their financial profiles.

These points highlight the significant role P2P lending is playing in the financial landscape of 2024, offering both growth opportunities and a viable option for diversifying investment portfolios.

What are the potential downsides of peer-to-peer investing?

P2P investing is still a relatively new sector and doesn't have the same level of government protection that a savings account would. While the return will likely be higher than a savings account, peer-to-peer investing has a different risk profile and it's possible to lose your money if the borrower fails to repay their loan.

5. Share trading accounts

Share trading accounts allow you to buy and sell stocks and other listed financial instruments – such as exchange-traded funds – by acting as an intermediary to the stock market.

With an online share trading platform you can buy and sell shares on your computer or mobile with lower fees than you'd normally get when you go through a personal full-service stock broker.

Compare share trading platforms

Name Product AUFST Price per trade Inactivity fee Asset class International
eToro
Exclusive
eToro
US$2
US$10 per month if there’s been no log-in for 12 months
ASX shares, Global shares, US shares, ETFs
Yes
Exclusive: Get 12 months of investment tracking app Delta PRO for free when you fund your eToro account. T&Cs apply.
Trade stocks, commodities and currencies from the one account and get access to social trading.
CMC Invest
Finder Award
CMC Invest
$0
$0
ASX shares, Global shares, Options trading, US shares, ETFs
Yes
$0 brokerage on US, UK, Canadian and Japanese markets (FX spreads apply).
Trade over 45,000 shares and ETFs from Australia and 15 major global markets. Plus, buy Aussie shares or ETFs for $0 brokerage up to $1,000 (First buy order of each security, each day - excludes margin loan settled trades).
Tiger Brokers
Finder AwardExclusive
Tiger Brokers
US$1.99
$0
ASX shares, Global shares, Options trading, US shares, ETFs
Yes
Finder exclusive: Get 10 no-brokerage US or ASX trades in the first 180 days, plus US$30 NVDA shares (+US$30 TSLA shares ) when you deposit AU$2000 or more. Get 7% p.a. on uninvested cash for 30 days. T&Cs apply.
Trade US, Asian and CHESS-sponsored ASX stocks and US options.
Moomoo Share Trading
US$0.99
$0
ASX shares, Global shares, Options trading, US shares, ETFs
Yes
Finder exclusive: Unlock up to AUD$4,000 AND US$4,000 in $0 brokerage over 60 days. T&Cs apply.
Trade US, Asian and CHESS-sponsored ASX stocks and get access to social trading
Superhero share trading
$2
$0
ASX shares, US shares, ETFs
Yes
Sign up with code ‘finder24’ and get US$10 of Nvidia stock when you fund your account with $100 or more within 30 days. T&Cs apply.
Enjoy US$2 brokerage (other fees may apply) on US stocks and buying ETFs as well as $2 fee to trade Australian shares up to $20,000.
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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.

Key features of share trading accounts

  • Give you access to a wide range of investments including shares, ETFs and listed investment companies (LITs)
  • Charge a brokerage fee when you trade shares
  • Share trading has the potential for very high capital gains
  • There is the potential to lose money if your investments perform poorly
  • Is available for personal and institutional investors
  • Can deposit and withdraw funds easily online

What are the potential downsides of share trading?

Investing in the stock market remains one of the most popular ways for people to their invest their money but it's not without its risks. The price of stocks can go up and down and it's possible to lose money.

For example, the S&P 500 stock index, which tracks 500 of the largest companies on the US stock market, returned an impressive 24.23% in 2023. In 2022, it returned a worrying -19.44%.2

If you're planning to invest in stocks, it's recommended that you take a longer term outlook and make sure you do your due diligence before investing.

ETFs (exchange-traded funds) can be a good, low-cost way to invest in the stock market because they give you exposure to a group of companies with a single investment.

6. Robo-advisors

Robo-advisors are a relatively new service to Australia that let you invest in pre-built or professionaly curated portfolios based on your financial goals and risk profile. They offer competitively low fees compared to standard investment advisers and competitive high rates of return.

Most robo-advisors are app-based, so they make it easy to deposit your funds into and monitor the performance of your portfolio from your smartphone. They also tend to offer a broad range of investment portfolio choices, from aggressive to conservative and across a wider range of assets.

Compare robo-advisors

Name Product AUFST-RBO Fees Minimum Investment Investment product Number of Portfolios
Spaceship Voyager
$3 a month (on accounts over $100)
$0
Stocks, Cash, ETFs
5
Invest in Australian shares, global shares and cash markets.
More Info
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Key features of robo-advisors

  • Low fee investment funds
  • Matched to an investment fund based on your profile
  • Easy to access and monitor online or on your mobile
  • Broad range of investment fund options
  • Can access Australian and international theme investments

What are the potential downsides of robo-advisors?

Robo-advisors can be handy for beginner investors looking to get started but they lack the flexibility of other investment accounts. For example, you generally can't invest in individual stocks via a robo-advisor, and are instead limited to the handful of prebuilt portfolios that may not match your investing goals.

The performance of these portfolios can also vary, especially those geared towards riskier investments like stocks.

While robo-advisors also offer low fees, they won't necessarily be the most cost-effective method for intermediate and experienced investors.

7. Forex trading accounts

Forex trading has the potential for both high gains and big losses. This is all due to leverage – when it goes well you can make money quickly, but equally you can lose your capital fast. In fact, up to 86% of forex traders lose money, according to analysis of data released by European forex brokers.3

Rather than buying shares for capital growth or investing into a high interest fund, forex traders speculate on the future price movements of international currency pairs. For this reason, forex is not "investing" in the traditional sense – rather it is trading.

Online forex accounts allow you to trade currencies from around the world from your computer or mobile. In exchange, you typically pay a commission or FX fee, known as the spread.

Compare forex accounts

Disclaimer: General information only. All forms of investments (and in particular, trading CFDs, commodities and forex) carry significant risk, including the risk of losing more than the invested amounts, market volatility and liquidity risks. Past performance is no guarantee of future results. Such activities are not suitable for most investors.
Name Product AUFST-FX Minimum Opening Deposit Minimum Spreads for Major Currencies Commission Minimum Trade Size Platforms
Pepperstone Forex Trading (Razor Account)
$0
0.0 pips
US$0.04 per $1k traded (varies by platform)
0.01 lots
MetaTrader 4
MetaTrader 5
cTrader
TradingView
Pepperstone Trading Platform
Disclaimer: CFD Service. Your capital is at risk.
Choose from a range of fee-free funding methods, plus multiple trading tools including Smart Trader Tools for MetaTrader and cTrader platforms.
Vantage Forex Trading
$50
0.0 pips - 1.0 pips
$0
0.01 lots
MetaTrader 4
MetaTrader 5
TradingView
Disclaimer: CFD Service. Your capital is at risk.
Spreads start from 0.0 on major currency pairs like AUD/USD, EUR/USD, GBP/USD and more. Plus you can places trades and find global trends through the TradingView charts platform. Trade with our RAW account with just $1 per lot each side
IC Markets Forex Trading (Raw Spread account)
US$200
From 0.0-0.1 pips
AU$3.50 per 100k traded
0.01 lots
MetaTrader 4
MetaTrader 5
TradingView
cTrader
Disclaimer: CFD Service. Your capital is at risk.
Trade forex with tight spreads as low as 0.0 pips and fast execution of under 40 milliseconds on average.
ACY Securities Forex Trading
$50
0.0 pip
$0
0.01 Lot
MetaTrader 4
MetaTrader 5
Disclaimer: CFD Service. Your capital is at risk.
Trade over 2,200 instruments across CFDs on forex, shares, indices, commodities, precious metal, ETFs and crypto.
CMC Markets
Finder Award
CMC Markets
$0
0.60 - 1.80 pips
$0
0.01 lots
Next Generation,
MetaTrader 4
Disclaimer: CFD Service. Your capital is at risk.
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Trading CFDs and forex on leverage is high-risk and you could lose more than your initial investment. It may not be suitable for every investor. Refer to the provider’s PDS and consider the risks before trading.

Forex trading account key features

  • Forex trading requires specialist knowledge
  • Can be opened by both personal and institutional investors
  • You need to pay fees to the forex platform provider in the form of spread
  • Typically gives you access to other investments such as commodities and CFDs
  • Can leverage investments, which allows you to trade with more capital than you actually have. This can magnify both profits and losses

What are the potential downsides of forex trading?

Forex trading is a complex and fast-paced industry that is only suitable to experienced traders.

With forex trading, it's possible to lose all your money, especially if you use leverage or other advanced trading options.

Foreign exchange markets can be extremely volatile and even professional traders may struggle to beat the market.

Frequently asked questions

Important information: Powered by Finder.com.au. This information is general in nature and is no substitute for professional advice. It does not take into account your personal situation. This information should not be interpreted as an endorsement of futures, stocks, ETFs, CFDs, options or any specific provider, service or offering. It should not be relied upon as investment advice or construed as providing recommendations of any kind. Futures, stocks, ETFs and options trading involves substantial risk of loss and therefore are not appropriate for most investors. You do not own or have any interest in the underlying asset. Capital is at risk, including the risk of losing more than the amount originally put in, market volatility and liquidity risks. Past performance is no guarantee of future results. Tax on profits may apply. Consider the Product Disclosure Statement and Target Market Determination for the product on the provider's website. Consider your own circumstances, including whether you can afford to take the high risk of losing your money and possess the relevant experience and knowledge. We recommend that you obtain independent advice from a suitably licensed financial advisor before making any trades.
To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.
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Written by

Investments analyst

Kylie Purcell is the senior investments editor and analyst at Finder. She has completed a Certificate of Securities and Managed Investments (RG146) and specialises in investment products including online brokers, robo-advisors, stocks and ETFs. See full bio

Kylie's expertise
Kylie has written 134 Finder guides across topics including:
  • Investment strategies
  • Financial platforms
  • Stockbrokers
  • Robo advisors
  • Exchange traded funds (ETFs)
  • Ethical investing
  • ASX stocks
  • Stock and forex markets

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