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HEARTLAND CALL AND TERM DEPOSIT PIE - MARAC Finance

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The document is an application form for investing in the Heartland PIE Fund, detailing investor information, tax details, investment options, income preferences, and identification requirements. It outlines the process for both new and existing investors to invest in either a term deposit or call deposit with specific instructions on how to submit the application.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Are pie investments worth it?

Pies give you the tools to invest safer - they discourage spontaneous behaviour and speculation, while promoting planning, diversification and help you stay consistent. In this context - yes, they are safer. To an extent, they protect your investments from your own irrational behaviour.

What is the interest rate for Heartland direct call account?

Is the 3.10 % p.a. rate correct? Yes, you read it right and there are no fees or penalties either. Are there penalties applied to the Direct Call Account if I withdraw funds? There are no penalties and no fees for withdrawing funds from your Direct Call Account.

What is the difference between a term deposit and a pie term deposit?

A PIE term deposit is a type of term deposit that is taxed differently from a regular term deposit. With a regular term deposit, the interest you earn is subject to your marginal tax rate, which can be as high as 39%. With a PIE term deposit, your earnings are taxed at a maximum rate of 28%.

What was Heartland Bank previously called?

Heartland Bank (previously known as Challenger Bank) is a digital specialist bank in Australia offering competitive savings products and is the only bank to offer both reverse mortgages and specialist livestock finance.

What does pie mean in banking?

A portfolio investment entity or PIE is a type of managed fund that invests in different kinds of passive investment. For example, KiwiSaver providers are sometimes PIEs. Companies, trusts, superannuation schemes or managed funds can choose to become PIEs.

What is the difference between a pie deposit and a term deposit?

And just like a term deposit, there are usually no joining or management fees. But there is one important point of difference between a PIE and a term deposit: any interest you earn from a PIE is taxed at your prescribed investor rate (PIR), instead of your personal income tax rate.

What is a term deposit at Heartland?

A Heartland Term Deposit is designed for individuals, businesses and trusts with $1,000 or more to invest. A minimum of $1,000 and maximum of $5,000,000 applies to each deposit. With a Heartland Term Deposit, you invest your money for a fixed term at a fixed interest rate.

What are the two types of term deposits?

There are two types of Term Deposits: Recurring Deposits. Fixed Deposits.

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