Delivering better customer outcomes
We are required to make Target Market Determinations available under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act (Cth) 2019.
This is to ensure that the right products end up in the hands of the right customer by focusing on our customers in the design and distribution of our financial products.
What is a Target Market Determination (TMD)?
A TMD is a document which describes:
- the persons for which the product has been designed,
- the conditions around the product’s distribution,
- when this TMD will be reviewed, and
- record keeping and reporting obligations of distributors.
Please note a TMD is not intended to provide financial advice. When making a decision about a product always make sure you refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.
This page includes the Target Market Determinations for financial products issued and/or distributed by Bendigo Bank.
Products for personal customers
Products are issued by our insurance provider, Insurance Australia Limited, trading as CGU. The links for each of the insurance TMD’s will open a PDF document on the Insurance Australia Limited website.
Products are issued by our Life insurance provider, AIA Australia. AIA Australia has prepared TMDs which describe the class of consumers that comprise the target market for this product. The TMDs will open on AIA Australia’s website.
Products are issued by Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.
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Adelaide Cash Management Trustpdf, 160 KB
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Bendigo Balanced Index Fundpdf, 195 KB
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Bendigo Balanced Wholesale Fundpdf, 195 KB
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Bendigo Conservative Index Fundpdf, 167 KB
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Bendigo Conservative Wholesale Fundpdf, 195 KB
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Bendigo Defensive Index Fundpdf, 196 KB
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Bendigo Defensive Wholesale Fundpdf, 209 KB
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Bendigo Growth Index Fundpdf, 205 KB
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Bendigo High Growth Index Fundpdf, 195 KB
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Instructions and Key Definitionspdf, 180 KB
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Sandhurst Cash Common Fundpdf, 194 KB
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Sandhurst IML Industrial Share Fundpdf, 199 KB
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Sandhurst Industrial Share Fundpdf, 195 KB
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Sandhurst Investment Term Fundpdf, 193 KB
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Sandhurst Select 90 Fundpdf, 193 KB
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Sandhurst Strategic Income Fundpdf, 193 KB
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Secured Green Personal Loanpdf, 146 KB
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Unsecured Green Personal Loanpdf, 166 KB
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Secured Natural Disaster Personal Loanpdf, 50 KB
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Unsecured Natural Disaster Personal Loanpdf, 49 KB
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Secured Personal Loanpdf, 48 KB
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Unsecured Personal Loanpdf, 48 KB
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Secured Student Personal Loanpdf, 135 KB
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Unsecured Student Personal Loanpdf, 49 KB
Products for business customers
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Foreign Exchange Call Optionspdf, 209 KB
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Foreign Exchange Collar Optionspdf, 204 KB
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Foreign Exchange Forwardspdf, 186 KB
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Foreign Exchange PUT optionspdf, 208 KB
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Foreign Exchange Savings Accountpdf, 196 KB
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Foreign Exchange Spotpdf, 203 KB
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Foreign Exchange Swapspdf, 228 KB
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Foreign Exchange Term Depositpdf, 225 KB
Products are issued by Sandhurst Trustees Limited, a subsidiary of Bendigo and Adelaide Bank Limited.
