New Investors: 

Rebate Financial Services will rebate 100% of all upfront commissions, where an ongoing commission is payable, when you invest in Challenger using Rebate Financial Services as your nominated adviser.  Where there is not any ongoing commission payable, Rebate Financial Services will rebate 80% of any upfront commission payable on your investment.

We will instruct  Challenger to rebate 100% of all upfront commission as additional units in your investment.  This means you will have more of your investment dollar working for you right from the start.  We will also instruct Challenger to rebate 100% of all commission generated by future additional investments and regular contributions, again as additional units in your investment.   Many investment products have entry fees of around 5%, this upfront saving has the potential to significantly increase your returns over the life of the investment.  Where Challenger pays an upfront commission directly to Rebate Financial Services, we can directly credit your nominated bank account or send you a cheque, once the commission has been received.  Where ongoing commissions are not payable to the nominated advisers, Rebate Financial Services will rebate 80% of the upfront commission payable as additional units in your investment or, if this method is not available, by direct credit or cheque to the investor once the commission has been received.

Where your investment does not generate ongoing commission or there is a set time period for the investment or where commission rebates vary there will be full disclosure of what is received by Rebate Financial Services.

Rebate Financial Services will also rebate 50% of the ongoing commission payable on your investment where we receive in excess of $20 per month, per fund manager.

Existing Challenger Investors: 

If you already have an investment in Challenger, or any other financial product, either directly or through a financial planner, you may be paying entry fees on any additional or regular investments.  There may also be trailing commissions being paid on your Challenge investment.  

Download and complete the Nomination Form below to receive up to 100% rebate or cancellation of future entry fees and up to 50% of any trailing commissions that are currently being paid to a financial advisor or being kept by the product issuer. Trailing commissions paid by financial institutions generally range from 0.20-0.60% p.a. 

These commissions are generally paid for out of the management fees levied against your investment are not an additional charge to you.

Listed on the Australian Securities Exchange, Challenger is a diversified financial services organisation that is committed to providing a broad range of investments and financial products and services to institutional and retail clients. 

Challenger is the largest provider of retail annuities in Australia, with its Life business growing substantially as a result of recent acquisitions.  

The company is well-positioned to serve the retirement income market, with investor interest in guaranteed, long-term income streams growing as a result of sharemarket volatility and greater awareness of the mounting pressure on public age pension schemes.

Challenger is one of Australia's largest non-bank lenders with a mortgage book of $19.8 billion^, funding commercial loans as well as a range of residential mortgage products offered by a network of preferred lenders under their own brands. The company's more recent acquisition of interests in the distribution and aggregation segment of the market have made it one of the largest mortgage industry participants, with a network of 5,500 brokers and more than $71 billion^ in mortgages under administration.

As one of Australia's largest fund managers, Challenger offers a wide range of investment choices across a variety of asset classes and investment styles. The firm is a quality investment manager in its own right, has acquired early interests in number of leading boutique funds and also acts as a gateway to other expert investment managers.

With operations in Sydney, Melbourne, Brisbane, Adelaide, Perth and London, Challenger also benefits from strategic relationships with key international partners Colony Capital LLC, The Bank of Tokyo-Mitsubishi UFJ and Mitsubishi UFJ Securities.

^At 31 December 2008