Investment bonds

A flexible, tax-effective way to grow, protect and pass on wealth – on your terms.

Planning for future needs

Whether planning for the next stage of life, family needs or thinking about what you’ll leave behind, certainty and control matter.

Investment bonds can be used as a simple way to invest and manage financial plans in the background – tax-effectively, flexibly and on your terms – whether you’re planning for retirement, your children or future generations.

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Designed to grow with you

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Early in your career

You might be focused on growing savings efficiently, investing regularly, or keeping your options open. An investment bond can help you grow long-term wealth, without needing to lock it away.

When family life gets busier

You might be thinking about education costs, life milestones, helping your children without giving up control. You can invest for someone else and choose when and how they receive the money.

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Later in life and in retirement

Your focus may shift to protecting what you’ve built, financially supporting your loved ones, keeping inheritance plans clear and simple. Investment bonds can help transfer wealth smoothly, confidentially and with fewer potential hurdles.

Supporting you through life’s changes

Investment bonds are designed to support Australian families through all stages of life.

Like superannuation, they’re designed to help you invest for the future but generally offer greater flexibility and control over how and when money can be accessed, who receives it, and when it’s passed on.

They’re most often used to support dependents, support inheritance plans, and help you stay in control should life circumstances change.

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Long term compound growth

Investment bonds can be used as a simple, consistent way to invest, compounding contributions and earnings over time.

You can choose from a broad range of investment options provided by leading Australian and global fund managers, to align to your goals and risk appetite. As life circumstances change, you have the flexibility to switch between investment options at any time.

Simple, tax-advantaged investing

Investment bonds are designed to be simple and tax-effective over the long-term:

Tax on earnings is paid within the bond (up to a maximum of 30%)

As tax is paid within the bond, you don’t need to include earnings in your personal tax return while the money remains invested.

You can switch or transfer investments without incurring personal capital gains tax

If you hold a Bond for 10 years or more, withdrawals are free of personal tax subject to meeting the 125% rule.

Long term compound growth

Annual caps apply to the amount of contribution to your superannuation, exceeding them may result in additional tax. This isn’t the case with investment bonds. If you’re reaching your superannuation contribution cap for the year, a bond can be used as a complementary investment vehicle.

Additionally, unlike superannuation, investment bonds do not carry restrictions on withdrawals based on conditions such as preservation age. You can draw down on your investment at any time. If you hold on to the bond for 10 years, withdrawals can be free of personal tax.

Pass on wealth with certainty

Investment bonds can form part of your estate planning. They can be set up to have proceeds paid to your estate, or directly to chosen beneficiaries.

This can help reduce delays, support blended or complex families and minimise conflict where sensitivity matters.

Support children and future generations

Investment bonds provide a simple way to invest on behalf of dependants and loved ones.

They can be used by parents, grandparents, family members or friends to invest and create future income streams for their choice of beneficiary.

Important information

The Lifeplan Investment Bond, Lifeplan Education Bond, FuneralPlan Bond, 10Invest and IOOF Wealthbuilder are issued by Lifeplan Australia Friendly Society Limited ABN 78 087 649 492 AFS Licence number 237989 ('Lifeplan'), a wholly owned subsidiary of Australian Unity Limited ABN 23 087 648 888. Funeral Plan Management Pty Ltd ABN 30 003 769 640 is a wholly owned subsidiary of Lifeplan. This information is general information only and is current at the time of publication. It does not take into account your objectives, financial situation or needs. Before acting on this information, please consider its appropriateness, having regard to your objectives, financial situation and needs. Before making investment decisions, you should read the applicable Product Disclosure Statements (PDS). The applicable PDS and the Target Market Determination (TMD) is available on our website. Past performance is not a reliable indicator of future performance.

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Investment bonds

A flexible, tax-effective way to grow, protect and pass on wealth – on your terms.

Planning for future needs

Designed to grow with you

Early in your career

When family life gets busier

Later in life and in retirement

Supporting you through life’s changes

Our products

10Invest

Lifeplan Investment Bond

Lifeplan Education Bond

FuneralPlan Bond

IOOF WealthBuilder

Features

Long term compound growth

Simple, tax-advantaged investing

Long term compound growth

Pass on wealth with certainty

Support children and future generations

Important information