• long running

$2 Brokerage for Trades up to $1,000 on 7 Selected ETFs @ Commsec Pocket

2392

When you trade through the Commsec Pocket 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%)

Seems to be CHESS sponsored from with I'm reading.

Cons: Limited ETFs selection.

ETFs Available On Commsec Pocket:

  • IOZ iShares Core S&P/ASX 200 ETF
  • IOO iShares Global 100 ETF
  • IEM iShares MSCI Emerging Markets ETF
  • SYI SPDR MSCI Australia Select High Dividend Yield Fund
  • NDQ BetaShares NASDAQ 100 ETF
  • ETHI BetaShares Global Sustainability Leaders ETF
  • IXJ iShares Global Healthcare ETF

For me:

Use Commsec Pocket for trades < $4750
Use Selfwealth for trades > $4750

Related Stores

CommSec
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Comments

    • +2

      Self wealth
      CMC markets is good fee wise but maybe look into it and see how comfortable you feel

      I use interactive brokers but some here suggest to not recommend it to people who aren't too familiar

      Better to invest what you can, especially if overseas stocks

      Dollar cost averaging Aka invest fixed amount say 1k a month, or keep doing that with lump sums too when possible, say tax return or if you sell some other asset like gold or jewellery

      Investing only in au etfs IN AUD is not the safest option, since if AUS is hit your losing in currency devaluation, AND loss on share price etc.

      If you want to invest overall without taking into a country risk of one country, keeping in mind the US stocks have the highest weighting in it, invest into ACWI which is the all world index, with the bigger stocks and sectors from all around the world.

      Then there's the EEM which focuses on emerging markets and GLD or SLV (gold and silver), which hedges against the ACWI and the EEM since, usually from past history speaking, people buy resources when the markets tank out of fear, gold more than doubled in the GFC.

      There's also industries I would look into like ITA ETF, IBD50 (Investor business daily top 50 emerging stocks perform well) as well as MJ ETF for weed, and I forgot the AI ETF name

      For aud
      YMAX is OK and a few others I'll post when I'm home as I prefer using ETFs for US and actively trade sectors or single stocks in AUS, as I can watch them :)

      If you are negative about the market you can purchase BEAR, WHICH goes up when the market goes down, so I use that as a hedge when it's cheap or if I find it suitable.

      Also it is an etf (BEAR)

  • +4

    I wish they included:

    IWLD iShares Core MSCI World All Cap ETF (0.09% MER).

  • +3

    I changed from Commsec to IG since the fees are $19.95 vs $7.95 or so. But 0.2% sounds like it would be cheaper than IG for parcels below $4000.

    IG has a lot of ETFs though. Some that interest me -

    Australian Enhanced Income Fund
    iShares UK Dividend ETF
    EX20 - ASX200 without the top 20, so less bank exposure than the regular ASX200.
    Russell High Dividend Australian Shares - Lots of banks exposure, but pays lots of dividends.
    Vanguard Asia ex Japan - For when Asia (China) is looking low in the cycle.

    So thanks for the bargain. I didn't even know Commbank had any cheap offerings. And I'm waiting for Robin Hood, but I guess that'll pop up on OzBargain when it finally opens in Australia.

      • I noticed that a few months back, getting an email about a oddly high fee. I think I'll be able to do 3 trades per quarter, so not have to pay the fee, but it'll be annoying to remember to do so year-in-year-out…

  • great

  • +2

    I use CMC out of a long term as they used to be the cheapest, but self wealth is the way to go for cheapest brokerage

  • does self wealth allow you to trade without money like CommSec? As in, if settlement is T+2, you just need to make sure you have money at settlement. Or they all have to be pre-paid?

    • +1

      Funds in linked account for SelfWealth.

    • +1

      Has to be prepaid (ie you have to have money in your cash account before placing an order). One thing I missed about commsec. That being said…only commsec does that, but then again you pay a premium for it. Honestly, I think I t really doesn’t matter if you are a long-term investor that puts in money on a regular basis. Probably a bit inconvenient for day traders or if you happen to see something trading at a discount and FOMO. I keep a commsec account open just in case, but I do my main trading on selfwealth.

      Oh, one thing selfwealth does allow you to do is to use the money you sold your shares for immediately to buy other shares rather than having to wait for the settlement comes through.

  • If I have NDQ purchased via self wealth and then go and purchase more via CommSec does this mean my NDQ parcels are split between different HIN ?

    Is there any downsides to this ?

    • +2

      If you use multiple stockbrokers you will receive a different HIN from each stockbroker.

      Downsides… inconvenience?

      • +1

        None really.

    • +1

      Main downsides of having holdings in a share/ETF split across two HINs:
      1) For dividend reinvestment plans you are left with two separate balances.
      2) Twice as much paperwork, dividend statements and annual tax statements etc.
      3) AMIT cost base adjustments become even more of a pain to work out because you'll get a separate figure to apply to each HIN (e.g. you might have to reduce your cost base by 14c/unit for one HIN and 22c/unit for another HIN).

  • +15

    The management costs are way too high for my liking on all but IOZ. The MER is pretty much all you can control.

    Best off just Sticking with VAS/VGS (or VTS and VEU combo) or even just VDHG

    Purchase through self wealth

    IOZ - IShares S&P/ASX 200 ETF
    Management Costs:0.09%

    IOO - IShares Global 100 ETF
    Management Costs:0.40%

    IEM - IShares MSCI Emerging Markets ETF
    Management Costs:0.68%

    SYI - SPDR MSCI Australia Select High Dividend Yield Fund
    Management Costs:0.35%

    NDQ - Betashares NASDAQ 100
    Management Costs:0.48%

    ETHI - BetaShares Global Sustainability Leaders ETF
    Management Costs:0.59%

    IXJ - IShares Global Healthcare ETF
    Management Costs:0.47%

    • +1

      Thanks for listing the expense ratios - dont know why you got negged, I upvoted you

    • +2

      Neggers, could you explain please? This comment is 100% accurate.

      These figures are almost as expensive as managed funds!
      VGS is 0.18% vs this pathetic IOO ETF at 0.4%.
      VGE (vs IEM) is 0.56%
      IOO is the only decent one, and the sector funds are just garbage.

      Get 5 free trades with selfwealth here, and just buy the equivilent ETFs: https://www.ozbargain.com.au/api/referral/125

  • +1

    how would this compare to raiz investing?

    • new to investing, would like to know as well if someone would be so kind to share :)

      • +1

        Account fees for raiz are quite high in comparison, $2.50/month if you have less than $10,000 - no brokerage fees though. I would recommend something like this instead of raiz, personally

      • Raiz's fees are ridiculous.

        Spaceship is a far better value proposition (free up to $5k), or even this.

    • Vastly better, and I think that's the target market.

  • +4

    If you want to do share trading, wait for NAB to offer the 100 free trades promotion.

  • +1

    It pushed me towards opening a transaction account when I clicked through,at $4 dollars per month( free for…yada yada yada).
    Prob a good deal if one is investing heaps,not worth changing to COMM Bank for it though for me

    • +1

      Just open a commsec account and it comes with a free Cash account. Then you can sign up for this if you really want.

      • Thanks,I will have a look and see . Have a great day!

  • Interactive Brokers offers $6 min commission. (or 0.08% aka $8 for $10,000 trade)

    Never used selfwealth. Does it have good stop loss options?

    • What do you mean about good stop loss options? It's got stop loss.

      • options for max stop loss and trailing stop loss by percent and points.
        Stop loss should not expire for at least 1 month. (Some places only allow orders to last for 24 hours)

        • Only standard stop loss with a trigger, no other conditional order types at the moment.

    • IB has an account maintenance fee (unless you trade frequently), something to consider.

  • -1

    This is for ETFs only

    You can't buy kick ass stocks like ECX who has been killing it for the last 2 months

    • +3

      lol this isn't hotcopper - nobody cares about your stock pumps ;)

  • +1

    The pros and those in the know use Interactive Brokers. $1 trades on US stocks. Generally competitive on a global basis, but AU stocks are $6 still I think. Robin Hood will be here at some point for free trading. CBA are doing this to match low cost Gen Y and Z investing in ETFs via apps on their phones. Warren Buffet and many other greats have said that if you don't have the time and inclination to study the market and individual companies with rigour, you should just buy a low cost S&P 500 index fund. For those who do know what they are doing and do invest directly, diversification is regarded as "deworsification", per Peter Lynch, arguably the greatest fund manager in history. Studies have shown that once you own more than 12 stocks, your chances of outperforming the market diminish considerably, so you should really focus on the ones which you understand and have confidence in. Most fund managers' main picks do quite well but their picks lower down the list in a fund of say 50-100 stocks tend to do poorly and erode any gains made. It is the same with individuals too when talking about this number of stocks.

    I'm long FAANG (less the N for Netflix) and bought some FB at the 1 year lows a few months ago around $130-140 (approx $200 now). Been a fantastic year for investing so far but not so much in the average Aussie stock, as Australia is quite a costly place to do business in these days. The next congressional hearing into anti-trust in the US could be a great buying opportunity in the tech sector for those who are interested.

    • Also long FAANG minus N. Good results for facebook and google this week, Apple next.
      I use selfwealth for aussie shares and nabtrade for international, I have opened an account with stake but am yet to use, its free brokerage with some money made on the spread (as with all brokers). Am going to open an account with saxo bank to be able to buy other international shares.
      Also heard good things about interactive brokers but I think it is more for professional investors/traders.

      • Love all the hero’s here long the FAANG minus N.

        Sheet would have been REAL hero’s stating prior to N results lol .

        • Oh mate I only wish I was long Netflix a couple of years ago, thought it was expensive back then. I still think all the others offer good value but as of today I would rather put my “N” money on Disney.

  • I think it's crazy they have come out with this product and this convenience app has cheaper brokerage fees than Commsec for a lot of trade amounts. Why…..

  • +1

    Good initiative by commonwealth to get more people investing, I get asked a lot from people who wants to start investing in the sharemarker but have less than 5k to start, this would be a good starting point.. just not sure why only those 7 ETFs options

  • -1

    Can I amass money using this app? Like, increase my money fourfold?

    • +4

      Yes sure is! Fourfold growth is likely to be achieved somewhere between 10 years and 150 years.

    • +1

      lol not on ETFs no

      ETFs can range from 5% - 20% growth annually

      • +1

        5%-20% is that a hard fact?
        LOL whoever's reading that please don't take that as true, as it isn't.

        • +2

          nothing is "Hard fact" when it comes to sharemarket

          but if you take a look at the 7 ETFS that been listed in the description, thats the growth range YOY.

          • @Homr: Lol, "ETFs can range from 5% - 20% growth annually" is not fact.

              • @Homr: Better.

                • @footyboy: is the DYOR statement an obligatory thing whenever a financial comment is made???

  • +1

    OR! Just pay $0 with Stake! (Stake.com.au) The Australian version of Robin Hood.

    • Great product but US shares only. No ASX

      • You can buy Australian Index Funds on there & the Aussie Dollar.

    • on paper yes, but you do pay fees in the form of slightly worse exchange rate (still very reasonable tho)

      • +2

        They use ofx for exchange rate and looks decent and ofx is better than bank rates.

        They dont convert your funds everytime you buy/sell unlike other brokers.

      • +1

        Keen on seeing better exchange rates on any platform I couldn't find any (in Australia - other countries where there is more competition yes).

    • +1

      I use eTrade before for buying US stocks but difficult/expensive transferring funds.

      Now. I use Stake, much simpler to transfer funds but not instant. Also have an option to create sub accounts for your kids.

      Only disappointing is aud-usd exchange rate is low and seems to stay low if not low-er

    • They only charge you a hefty sum when you deposit the money, making all your gains roughly worthless.

      • It's literally the lowest exchange rate you can get putting money into a trading account (when in Australia).
        If you gave me an example of how you could possibly come to the conclusion your gains are worthless that would be helpful?
        You do realise when you buy intentional shares from anywhere (based on the assumption you are starting with AUD) your money is converted at some point right?

  • +3

    With too many apps/platform and offering..

    We need an app to manage all invesent platform as it becomes confusing mamaging different apps/provider.

  • I'm totally against this offer…

    What kind of a broker gives a discount for 7 select shares (okay… ETFs) … at minimal values… (seriously… capped $1000).

    Yes it's great to invest and long run etc, this is not the right way to do it.

    And I TOTALLY agree, Vanguard ETF's Fees, yield and consistency FTW…

    • +2

      It's not a discount though, is it? It's a capped fee for small investments.

      You can invest over $1000 and it's 0.2%.

      In percentage terms, those small investments under $1000 are paying more than 0.2% per trade.

      • I think the $ gain in ETFS are realised in substantial quantities and dividend reinvestment… Fund allocations less than $10k in ETFS (eg $1k) would see a better potential (gamble) in a company you have good faith in at a quality price. $10k = $22 fee… Seems on par with most broker rates.

        In percentage terms, those small investments under $1000 are paying more than 0.2% per trade.

        Nobody can guarantee that… Especially short term which I think a lot of these 1k punters might do.

        End of the day everything up to the individual, as someone mentioned earlier, if you want a good deal on low stock trading, wait for a free trade offer (100 free NAB) and have a WIDER choice of the ETFS and stocks you can invest in.

        • +1

          Yes it's great to invest and long run etc, this is not the right way to do it.

          Why? The ETFs listed here seem fine.

          (eg $1k) would see a better potential (gamble) in a company you have good faith in at a quality price

          You might like a short term and higher volatility "gamble", but the smarter trade is a long term index ETF.

          wait for a free trade offer (100 free NAB) and have a WIDER choice of the ETFS and stocks you can invest in.

          Why? That offer only offers free trades for 3 months. Not very useful if you'll be investing for decades where nab fees are more expensive unless you investing over $20k at a time.

  • +1

    I like the idea, but don't like how you can't just link it up with your existing Commsec HIN. It set up a new HIN for me when I signed up.

    • I believe that you can transfer it over to your commsec account after you've bought them on the pocket app, but that's a bit of a hassle.

    • are you sure mine just shows a new account but there is no indication its using a different HIN

  • +1

    I would never recommend commsec. I'm currently trying to get out of them and over to selfWealth.

    Their systems are out of control:
    1) For the entire time I've used them (~11 years), they have never been able to sort out an issue where I don't receive their IPO alerts.
    2) Their website is dodgy as. It shows my password when I type it!!?? I've had heaps of other trouble with the logon page, I can't recall the details.
    3) I went to do a trade recently, and it failed with error "account suspended". No email or text telling me they were suspending the account. I rang to be told that my joint account holders needed to go to a CBA branch and identify themselves. (After ~11 years and hundreds of trades they decide we're not setup right!!??) The joint holders do that and get totally different results: One is told "well thanks for calling in, you should be good now", the other is given a new account ID!!?? It didn't fix the account suspension issue.

    I can't imagine the mess their systems must be in. I wonder what dodgy stuff goes on with trades!

    • Probably suspended for something related to AML hence the suspension as it forces you to contact them to find out what is going on AND the fact that wanted you or your partner to go to a branch (show physical ID).

      I suspect they would have tried to contact you about this too.

      • I have no idea what AML is, but they have my email and phone number and address if they wanted to contact me, and even when I rang there was no mention that they had made any attempt, nor gave any reason, and even the supposed solution produced no result. It was just like the ongoing IPO notification problem: too hard to fix so just send me on an errand to end the phone call.

        I've dealt with companies with poor systems and poor service before, but none come close to commsec.

        • Anti Money Laundering legislation. Requirements have tightened over time with respect to information and ID on file, sometimes it's not triggered until you want to update something.

  • whats my best/cheapest way to buy US shares? I only have commsec at the moment

    • Schwab is decent.

      • Minimum to open an Individual/Joint account: US$25,000.!

        • Unofficially they don't enforce this requirement.

    • Stake

      • +1

        Stake charges $0.70USD for every $100AUD deposited, that is $7 USD (EACH WAY) for each $1k AUD you put in. (Basically 2.03%)

        If you plan to day trade like a maniac, it's alright.

        If you want to buy and sit, you're throwing a good amount away right there. (By comparison, this charges you 0.2% per trade instead.)

        • damn is there a cheaper way if I want to sit on a US stock for a long time

          • @boostpak: Just buy an ETF via the ASX that is US market.

            • @YaCono: im after a specific share from the US though

        • They only charge when you deposit. And no fees when you trade.
          It stays in usd even after you trade and you can specifically buy individual US stock.

          Downside in buying US stock is aud exchange rate. Best time was when it is one is to one with usd.

  • +1

    @mcfintech thanks for all your helpful tips and commentary in this thread. Just came here to say thank you!

  • +1

    To bad for all the people who brought ASX shares recently.

  • I have to say I love this; as a non professional small investor - i am buying 200 bucks in IOT and another 200 bucks in NDQ shares per month. At a total fo $4 dollars - its a great way to get into the market.

    Well done CBA. Although, I'm still angry at the way you treated me as when I used to have much more business with you previously.

  • If you consider the commission of $2 then it is the most expensive commission for a minimum of $50.

    Also, consider that they limit your investment to 7 ETF's

    ETF Name in pocket
    Aussie Top 200
    Aussie Dividends
    Global 100
    Emerging Markets
    Health Wise
    Sustainability Leaders
    Tech Savvy

    and not to mention the underlying management fee.

    On your research, if the ETF you want to invest is in the listed 7 and you are investing a minimum of $1000, then it's worth considering or else I feel it's not worth it.

    There are a lot of other alternatives for investing, I feel the commission is a bit too high comparing to other micro-investing apps like Raiz and Stockspot

    https://piggywise.com/commsec-pocket-review-why-its-not-wort…

  • -1

    Did anyone here contact mcfintech? Or have their contact details?

    I'm revisiting this thread and am interested in hearing what he has to say.

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