What is a Target Market Determination?
A Target Market Determination (TMD) describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also sets out who can distribute our products, how they can do this, and situations when we may need to review our products and the target market.
A Target Market Determination does not replace disclosure documents. You should continue to refer to the relevant disclosure documents before deciding whether or not to acquire a product.
Why do we have Target Market Determinations?
The Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019 requires us to have Target Market Determinations to ensure that we’re ‘getting it right for customers’ – putting you at the centre of how we design and distribute our products.
Target Market Determinations
You can view and download our current Target Market Determination documents below.
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WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $416.