Investment risks

The return on your ANZ Online Investment account is linked to the performance of the Australian share market. This generally has a higher risk than fixed interest investments, term deposits, and traditional savings accounts.

Risks associated with the ANZ Online Investment Account

• Your investment value may fall as well as rise.
• Your investment may make less money than you expect or need.
• You may make a loss, leaving you with less money than you started with.
• Your investment may be performing poorly at a time when you need to withdraw your funds.

How can diversification help to reduce investment risk?

The ANZ Online Investment Account takes advantage of a very simple yet powerful investing technique called diversification, where an investment is spread across the shares of numerous companies, helping to reduce the risk of the under-performance of any one company affecting your return. Essentially, it's safety in numbers.

With the ANZ Online Investment Account, your investment is spread across the biggest 200 publicly listed companies in Australia, helping to reduce the investment risk.

Where can I find more information about the risks that may apply to this account?

The ANZ Online Investment Account Product Disclosure Statement sets out the risks involved with investing in this account in greater detail. View the Product Disclosure Statement (PDF 896kB).

Please note that the risks described above are not an exhaustive list, there are other important risks to consider before you decide to open an ANZ Online Investment Account. ANZ strongly recommends you carefully review the risks disclosed in the Product Disclosure Statement before opening an account.

Learn more about investment risks

To learn more about investment risks, refer to the ASIC website.

• Learn more about Australia's top 200 companies

Important Information

This product is jointly issued by ANZ (for the deposit account) and OnePath Funds Management Limited (for the Fund). The performance of an investment in the Online Investment Account is not guaranteed and can be volatile, particularly in the short term. Once the money that you have deposited is invested in the Fund, it is no longer held on deposit by ANZ or subject to any depositor protection under the Banking Act 1959.
Neither ANZ, OnePath Funds Management nor any other company in the ANZ Group guarantees your investment in the Online Investment Account or the performance of the product or its investments. Your investment in the product is subject to a range of investment risks. They include possible delays in the repayment of withdrawals from your investment and loss of income and principal invested.
ANZ and OnePath Funds Management recommend you read the Product Disclosure Statement (PDF 896kB) before deciding to acquire or hold the product.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.