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10Invest

A lot can happen in 10 years

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Tax effective

Withdraw after 10 years, with no personal tax to pay.

Low cost

Start with $1,000 or more and enjoy low annual fees.

Savings plan

Add a regular direct debit and watch your investment grow.

What is 10Invest?

10Invest is a simple, online, low cost investment bond that offers tax effectiveness not available through traditional savings and investment products.

10Invest is all about establishing a long-term plan.

With regular contributions, you could benefit from compounding interest to create powerful opportunities for your future, in a tax effective way.

Use time to your advantage

Start planning now – imagine where you want to be in 10 years and let 10Invest help you get there.

Features

Tax effective

You can access your money at any time, or maximise your tax effectiveness by withdrawing after 10 years, with no personal tax to pay.

Regular savings plan

Set up a regular direct debit with as little as $50.

Simple and specialised option menu

Five reputable investment options to suit your personal risk profile.

Low cost

Start with $1,000 or more and enjoy low annual fees.

Self-service

With access to your policy in our online portal you can update details, switch and more.

No limit in the first year

You can contribute as much as you like in the first year, then maximise your savings using the 125% advantage thereafter.

The power of 10 years

By just getting started and saving often, a little can go a long way.

With 10Invest you can start with $1,000 or more and contribute as little as $50 per investment option through a regular savings plan.

A regular savings plan will not only help grow your investment, you will also benefit from the compounding effect of your earnings being reinvested.

After 10 years, you can withdraw your money and any investment earnings will not need to be declared on your personal tax return, or you can continue to save. The choice is yours.

If you need your money sooner you can access it at any time within the first 10 years and claim a 30% tax offset for tax already paid within the investment bond, to reduce your personal income tax.



Case studies

Emma

Wants to start her own business within 10 years

Emma is just starting out in her career but her long term goal is to start her own graphic design business. Emma invests an initial $10,000 and each year after, uses her annual tax return to top up her investment, which is around $2,000 per year.

At the 10 year mark, her savings have grown to $38,939! And because she invested for 10 years, she is able to withdraw her money as a lump sum, or a regular income stream, with no personal income tax to pay.

Setting up a new business

Assumes 5% average annual return after fees and tax, plus the effects of compounding earnings. The balance in first year includes investment earnings.

Rachel & Scott

Providing Lucy an amazing life experience – 16 years invested

Rachel and Scott want to save for three year old daughter Lucy’s future. They both value the life experiences gained by backpacking across Europe when they were younger and want to give the same opportunity to Lucy. They invest $5,000 in 10Invest and setup a regular savings plan of $50 a month.

By the time Lucy is 19 and ready to strap on her backpack, Rachel and Scott’s 10Invest has just over $25,491 available to help her on her journey. And, because they invested for over 10 years, Lucy can withdraw her money as a lump sum, or a regular income stream, with no personal income tax to pay.

A once in a lifetime trip

Assumes 5% average annual return after fees and tax, plus the effects of compounding earnings. The balance in first year includes investment earnings.


Lewis

Inherits money and saves for his son’s future – 20 years invested

Lewis recently inherited a sum of money from his grandmother. He values having his own “bricks and mortar” home and understands that it could be tough for his son Zack to own his first home.

At age 25 when Zack is ready to set out on his own, Lewis can provide the help he promised with $173,412. And because he invested for over 10 years, Zack can withdraw his money as a lump sum, or a regular income stream, with no personal income tax to pay.

A home deposit for a child

Assumes 5% average annual return after fees and tax, plus the effects of compounding earnings. The balance in first year includes investment earnings.


Jenni

Wants to retire prior to her superannuation preservation age

Jenni is 45, single and has recently sold her investment property. She is now looking ahead and wants to save her money in a way that is tax effective, gives her plenty of flexibility and offers low fees.

She has no mortgage and would like to transition from full time to part time employment. Jenni decides to open 10Invest with $300,000 from the proceeds of her property sale. 

A decade fly’s by, Jenni turns 55 and decides she wants to start winding down and go part time so that she can focus on her volunteer work and over the past 10 years her policy has grown to $489,000.

Jenni uses her 10Invest to regularly withdraw $25,000 p.a. to help with living expenses. As her policy has been held for 10 years, Jenni does not have to pay any tax on her 10Invest withdrawals. Her balance will continue to earn an investment return and benefit from compounding interest.

By the time Jenni reaches her superannuation preservation age of 60, she will have received $125,000 income from her 10Invest over the past five years. 

At the same time, Jenni will still have in excess of $485,000 available for her to either leave invested for further growth or withdraw with no additional tax to pay.

Retiring right

Assumes 5% average annual return after fees and tax, plus the effects of compounding earnings. The balance in first year includes investment earnings.

How do I get started?

Apply in minutes with our online application form.

Step 1

Step 2

Apply online

Step 3

We invest your initial deposit, you sign up to the portal & you’re good to go

Need more information?

Visit our FAQs

Not right for you?

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