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Target Market Determinations

What is a Target Market Determination?

A Target Market Determination (TMD) describes:

  • the class of client that comprise the target market for the product
  • any conditions or restrictions on how the product is distributed to retail clients
  • events or circumstances where we will review the TMD for the product.

Why does BOQ Specialist need to make this TMD publicly available?

We are required to produce these TMDs to meet BOQ’s Design and Distribution obligations. The Design and Distribution obligations are intended to help consumers obtain appropriate financial products by requiring issuers and distributors to have a consumer centric approach to the design and distribution of products.

These documents are not a substitute for the product’s terms and conditions or other disclosure documents. Clients should refer to the product’s terms and conditions or other disclosure documents when making a decision about this product. The TMDs, and further information on our products, can be found via the links below or by contacting us.

If you would like a copy of a past version of a TMD that does not appear on this page, please contact us on 1300 160 160.


  • Important Information

      Any information is of a general nature only. We have not taken into account your objectives, financial situation, or needs when preparing it. Before acting on this information you should consider if it is appropriate for your situation. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.