Westpac Self-Funding Instalments

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Product overview

Westpac Self-Funding Instalments (SFI) are a listed geared investment package that may provide enhanced returns on an equity portfolio.

With a "built-in" loan, SFI allow investors to purchase leading Australian shares and units (underlying securities) in two payments or "instalments". After making the first payment investors obtain many of the benefits of share ownership and potentially advantages of gearing.

SFI make borrowing to invest relatively simple as, after the initial investment, further payments during the investment term are generally not required. Due to the convenient 'self funding' feature, investment cashflows are automatically managed. In other words, interest which is calculated annually is automatically added to the Loan or "Completion Payment" on June 30 each year. The Completion Payment will be automatically reduced by all cash dividends paid and a reimbursement of the pre-paid interest from the ex-dividend date to 30 June

What's more, on each Annual Interest Date investors can choose to take delivery of the underlying securities by making the Completion Payment - although there is no obligation to do this.

Details
Self-Funding Instalments	Go to Computershare to check registry holdings

Who should consider investing?

Westpac Self-Funding Instalments may suit you if you:

Have a Self Managed Super Fund and are looking to enhance capital growth, increase dividend yields and earn excess franking credits which can help reduce earnings and contributions tax paid by the fund
Want to to build a share portfolio or diversify a current share holding but lack the necessary funds
Are looking to spend less upfront and get greater exposure to share price increases, dividends and franking credits which can help to accelerate your wealth and reach your investment goals sooner
Want to unlock the value of your existing shareholdings and receive cash back to purchase other shares or Instalments
Want to access the potential benefits of gearing without the inconvenience of margin calls

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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

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Taxation Note
The tax implications of investing in these products will vary depending on the Investor's particular circumstances. Westpac does not provide any tax advice (expressly or implied) in relation to the tax implications of investing in these products nor promote that these products will provide beneficial tax outcomes for all investors. Accordingly, Investors should seek professional tax advice in order to determine the tax implications for them when investing in these products. For more information on the broad tax implications of these products, Investors should read the Taxation note in the Product Disclosure Statement for the Westpac Self-Funding Instalments.