How it Works

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If you've ever looked at your financial statements closely, you'll notice there are a range of fees and commissions that are charged, with no clear explanation of what these charges are.

These are often compulsory fees and commissions that are paid to financial advisers, brokers and agents that may have originally signed you up to that product and are still getting paid by the fees and commission that generate from your account, every year!

Even if you set up your account directly with a Bank, Financial Institution or Insurer, they have simply been keeping the fees and commissions themselves.

YourShare is here to help

YourShare provides the service that checks to see if there are fees or trailing commissions being charged on your accounts, collects it all on your behalf and writes you the Cash-Back cheque - every year!

Industry Average Fees and Commissions

Financial Product	Industry Average Fees and Commissions
Managed Investment Funds	0.5%*
Super/Pensions	0.5%
Home Loans	0.2%
Insurance	11%#

*These commissions can range from 0.25-1.25% # These commissions can range from 7-30%

How much do I get back?

We refund 50% of the commissions collected until your refund amounts to $295, then you get 100% of the commissions refunded above that amount EVERY YEAR. So, the most YourShare will retain is $295.

So for example, if your account/s generate $1400 a year in fees and commissions, you'll be getting a cheque from us for $1105 each year!

The amount you'll get back each year depends on:

•  How many products you register with us
• The types of products you register
• The value of your investment, fund policy or product/s
• The amount of fees and commissions being charged by your financial institutions

How long does it take?

Once you've registered your products with YourShare, we will confirm your accounts with your Fund Manager and have you set up within 2-12 weeks.

You'll be provided a secure website login, so you can see the fees and commissions being paid to your unique YourShare account number.

At the end of the first year, we collect those fees and commissions and send your Cash-Back cheque to you, not just once, but every year that you have YourShare as your broker.

Many financial products pay commissions that we can collect for you and there are others that are structured in a way that they do not pay out commissions or allow a 3rd party brokers to collect commissions such as:

• Industry Super Funds - Low fees and no commissions paid to brokers or advisers.
• Corporate Super Funds - Your employer controls how those commissions are paid out - please talk to your HR Department.