iRefund Structured Product / Capital Protected Investments

Structured Product Investments

iRefund offers the DIY investor the opportunity to invest in structured product investments and be refunded up to 100% of the entry fees and and trailing commissions.

Entry fees on structured product investments can be up to 4% of the investment amount. Trailing commissions (usually 0.75% pa), paid over the life of the investment, are usually paid on both the investment amount and on the loan used to finance the investment (ie - double trailing commissions).

Wouldn't you prefer these entry fees and trailing commissions in your pocket ?

What are Structured Product Investments ?

Structured product investments, put simply, are pre-packaged investments.

They often include features such as -

• Capital guarantee's on the maturity of the investment (meaning that the investor is assured that they will, at the very least, receive back their initial investment)
• 100% finance to purchase the investment. 

These features make these types of investments very attractive as investor's don't have to risk any of their own capital. If the investment doesn't work out, investor's can walk away not having lost any of their own money (other than finance costs). 

Some examples of structured product investments include -

• MQ Gateway
• Macquarie Reflections
• Macquarie Protected Share Portfolio's
• Comsec Protected Portfolio Loans
• Perpetual Protected Investments
• MAN OM-IP funds

How iRefund Can Help ?

New Investments in Structured Products

The DIY investor can take advantage of the iRefund's Cash Refund Service by investing through our Investment Supermarket. By investing this way the investor will be eligible for up to 100% refund on the initial and trailing commissions generated by their investment in a structured product.  

When you invest in a structured investment product through iRefund, your investment is automatically enrolled in our Cash Refund Service, thereby ensuring that all entry fees and trailing commissions are added to your cash refund account and are eligible to be refunded.

Existing Investments in Structured Products

It is easy to receive up to 100% refunds of the trailing commissions on your existing Structured Product Investments. Simply nominate iRefund as the broker on your investment and we will collect the trailing commissions on your behalf and refund them back to you.

Simply complete the Broker Nomination Form and fax to iRefund on 1300 305 938.

Alternatively you can post the completed Broker Nomination Form to -

C/- iRefund 
PO Box 3183
Melbourne Vic 3001 

iRefund will then take care of the rest including arranging for your cash refund cheque to be sent to you.

Nomination is simple and will take 2 minutes.

Broker Nomination Form

IT IS IMPORTANT TO NOTE THAT -

Nominating iRefund as the broker on your accounts and policies DOES NOT alter any of their details, in fact they will operate exactly as they do today - with you in total control and with 100% ownership. The only difference is that iRefund will now collect any trailing commissions and fees on your behalf, and refund them back to you annually.

Nomination of iRefund will also ensure you will never pay entry fees on any future contributions you make to your super or investment account. This will likely save you 4% - 5% on any new contributions you make to your fund.