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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.

How does 10Invest work?

When you deposit your money into 10Invest, we invest it in the option(s) you’ve selected.

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

Along the way we pay tax to the ATO on your investment earnings at 30% company tax rate within the bond, so you don’t have to include it in your personal tax return whilst you’re invested.

If you keep your investment bond for 10 years, you can withdraw with no personal income tax to pay.

This is what makes an investment bond special and one of the effective ways to save for your future.

How is my money invested?

You control how your money is invested. All investments have an element of risk, and with 10Invest there are five investment options to choose from. The value of your investment bond will rise or fall with the performance of the underlying investment option/s you’ve chosen, and your earnings are reinvested to further benefit from compounding interest. You can choose or switch between any of the five options at any time (without incurring personal income tax or CGT) to reflect any changing circumstances that can affect your tolerance for risk.

Below is a guide on the different risk profiles that may help you choose the right investment option for your circumstances.

For more information on investment bonds and your risk profile visit MoneySmart.


Your top priority is predictability and stability with your money. You’re willing to accept minimal risk and therefore a lower potential for returns.


You are happy for a moderate level of risk in exchange for relatively higher potential returns over the medium to long term, when compared to low risk options.


You are willing to accept relatively high levels of variability in returns, including periods of negative returns, in order to maximise potential over the medium to long term, when compared to moderate risk options.

A quality investment menu

Vanguard®
Conservative
Index Fund

The Conservative Fund is biased towards income assets, and is designed for investors with a low tolerance for risk.

risk level


Diversified

Asset class

Vanguard®
Balanced
Index Fund

The Balanced Fund is designed for investors seeking a balance between income and capital growth.

risk level


Diversified

Asset class

Vanguard®
Growth
Index Fund

The Growth Fund is biased towards growth assets, and is designed if you are seeking long-term capital growth.

risk level


Diversified

Asset class

Vanguard®
Australian Shares
Index Fund

The Fund provides low cost, broadly diversified exposure to Australian companies and property trusts listed on the Australian Securities Exchange.

risk level


Australian Shares

Asset class

Vanguard®
International Shares
Index Fund

The investment Fund provides exposure to many of the world’s largest companies listed in major developed countries.

risk level


International Shares

Asset class

View fund performance

Need more information?

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Not right for you?

Australian Unity has a range of investment bonds to help you achieve your savings goals.

Australian Unity Education Savings Fund

A specially designed savings and investment product which gives you more choice and flexibility to fund the education expenses of a child or student of any age.


Learn more

Lifeplan Investment Bond

A comprehensive, tax effective investment bond, designed to fulfil more than wealth accumulation goals, it goes a step further to enable flexibility in wealth transfer for tax effective estate planning, child advancement or supplementary retirement planning. All the features of 10Invest and more.

Learn more