Benefits and features

Flexible investment solutions

  • Generate returns from market movements of shares which you don’t own.

  • Earn enhanced income from an existing share portfolio or cash allocated for investment into shares.

  • Easily manage price risks associated with your existing holdings.

  • Lock in a price for shares that you intend to buy or sell.

Simple financing solutions

  • Borrow to invest in shares with no margin calls.

  • Fund the exercise of your employee options with no margin calls.

  • Prepay interest on your loan used to purchase shares.

Equity options facility

  • We provide access to put options, call options, collar options, and gearing over a wide range of ASX listed shares enabling you to:

    • Tailor investment solutions specifically designed to meet your requirements 
    • Manage risk without changing your existing portfolio allocation 
    • Generate income from an existing portfolio 
    • Potential to benefit from a rising, falling or flat market 
    • Borrow up to 100% against protected amounts with no margin calls.

    Who can apply?

    Applications for equity options are open to individuals, companies, trustees, partnerships, and superannuation funds that qualify as "wholesale clients" under section 761G of the Corporations Act 2001 (Cth).

    Application for approved options with loans are open to individuals, companies, trustees, and partnerships that qualify as “wholesale clients” under section 761G of the Corporations Act 2001 (Cth).

  • Equity options

    • Minimum amount $50,000
    • Terms from 30 days to 5 years

    Approved Options with Loans

    • Minimum loan amount $50,000
    • Terms from 6 months to 5 years

    • Borrowing to invest may magnify any losses.
    • Security price growth may not be sufficient to cover any option premium or interest paid to NAB.
    • When entering Approved Options with Loans you are required to mortgage the underlying securities to NAB.
    • Corporate actions or market disruption events may lead to an amendment to or early termination of the facility by NAB.
    • NAB is your counterparty. You take credit risk to NAB on the Equity Options facility.

    Please refer to Section 5 of the Equity Options and Approved Options with Loans PDS dated 24 January 2024 for further details on the key risks of Equity Options and Approved Options with Loans.

  • Please refer to the Equity Options and Approved Options with Loans Product Disclosure Statement (PDF, 1MB), opens in new window and the Equity Options and Approved Options with Loans Financial Services Guide (PDF, 116KB), opens in new window, both dated 24 January 2024, for more information.

NAB Equity Referenced Term Investments

  • NAB Equity Referenced Term Investments (NERTIs) are short term investment products that provide a simple way to earn enhanced income without the need to buy and hold shares. 

    You can tailor your NERTI by choosing: 

    • The amount you want to invest.
    • Your preferred investment term.
    • A wide range of ASX listed shares you want to reference.
    • How much exposure you want to the market price of your chosen shares (up to 100%).
    • Your settlement style –  shares or cash.

    The income rate for your NERTI is then pre-determined by us and set for your NERTI. 

    Applications are open to: Individuals, companies, trustees, partnerships, and Superannuation Funds that qualify as "wholesale clients" under section 761G of the Corporations Act 2001 (Cth).

    • Invest from A$50,000.
    • Investment term from 30 to 364 days.
    • Pre-determined income amount.

    • Unbreakable except in the case of hardship or at NAB’s discretion.
    • No participation in any increase in the price of your reference security over the term.
    • You will not receive any dividends paid by your reference security over the term.
    • You may lose some or all of your investment amount.
    • Early termination, corporate actions, market disruption events or NAB hedging events may have a negative impact on your NERTI.

    Please refer to Section 5 of the NERTI Product Disclosure Statement dated 8 December 2023 for a full set of risks.

    It is important that you consider your individual financial circumstances in relation to these risks before investing in a NERTI.

  • Please refer to the NERTI Product Disclosure Statement (PDF, 790KB), opens in new window and the NERTI Financial Services Guide (PDF, 74KB), opens in new window, both dated 8 December 2023, for more information.

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Research and insights

Get in touch

Email us

Email our Investment Hub team today.

InvestmentHub@nab.com.au

Important information

Please click here, opens in new window to view our website disclaimer and terms of use.

This information has been prepared by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (NAB). The information on this webpage is for wholesale investors only and is not intended for retail clients. The information provided on this webpage is intended to be of a general nature only and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information on this webpage, NAB recommends that you consider whether it is appropriate for your objectives, financial situation and needs. Before acting on any information on this webpage, NAB recommends that you consider whether it is appropriate for your objectives, financial situation and needs. This webpage has been prepared for information purposes only and is not to be construed as solicitation, recommendation or an offer to buy or sell any financial product or securities, and should not be treated as providing advice. NAB recommends you consider the relevant Product Disclosure Statement or other disclosure document (as applicable), available from NAB, and seek independent professional advice before acting on any of the information you read on this webpage or any of the linked webpages, including whether to acquire or use or continue to hold or use any product or service mentioned (as applicable). Please consider our Financial Services Guide. NAB is the product issuer, unless otherwise specified. Please refer to the Important Information below for further information.

Important information – Equity Options and Approved Loans: The information on this webpage provides a brief summary of the key features of equity put, call and collar options and approved loans (the Products) which you may enter into with NAB under an Equity Options Master Agreement. It is not a complete description of the Products available and reading it is not a substitute for reading the NAB Equity Options and Approved Options with Loans Product Disclosure Statement dated 24 January 2024. This Information is not a product disclosure statement and it does not contain all of the information that such a product disclosure statement is required to contain. The Information contained on this webpage is for information purposes only. NAB does not intend to provide legal or tax advice through the webpage and does not represent that any securities or services discussed are suitable for you or anyone. NAB voluntarily subscribes to the Banking Code of Practice (Banking Code) which lays down standards of good banking practice for dealing with small businesses and individuals. A copy of the Banking Code is available on our website at www.nab.com.au. Options are not deposits, are not protected accounts for the purposes of the Financial Claims Scheme and are not guaranteed or insured by any government, government agency or compensation scheme of Australian or any government of another jurisdiction. A copy of the PDS can be obtained free of charge by speaking to your advisor, your NAB Markets or NAB Private Investments representative, or by contacting us on 1800 343 070.

Important Information – NERTI: The information on this webpage provides a brief summary of the key features of the NAB Equity Referenced Term Investments (NERTI) which you may enter into with NAB under a NERTI Master Agreement. It is not a complete description of the features of the NERTI available and reading it is not a substitute for reading the NERTI Product Disclosure Statement (PDF, 790KB), opens in new window dated 8 December 2023. This Information is not a product disclosure statement and it does not contain all of the information that such a product disclosure statement is required to contain. The Information contained on this webpage is for information purposes only. NAB does not intend to provide legal or tax advice through the webpage and does not represent that any securities or services discussed are suitable for you or anyone. NAB voluntarily subscribes to the Banking Code of Practice (Banking Code) which lays down standards of good banking practice for dealing with small businesses and individuals. A copy of the Banking Code is available on our website at www.nab.com.au. NERTIs are not deposits, are not protected accounts for the purposes of the Financial Claims Scheme and are not guaranteed or insured by any government, government agency or compensation scheme of Australian or any government of another jurisdiction. A copy of the PDS can be obtained free of charge by speaking to your advisor, your NAB Markets or NAB Private Investments representative, or by contacting us on 1800 343 070.