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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.

Why should I invest?

Whether it’s saving to buy a home, working towards paying off the mortgage, funding the trip of a lifetime, investing for children or for your retirement, 10Invest can help you on your way. In the blink of an eye what may start small may grow to something significant.

10Invest is a tax effective alternative to traditional savings or investment products and a great way to save - whether you are a seasoned investor or new to the world of investing.

With no onerous paperwork, five quality index investment options, low costs and the ability to setup a regular savings plan, 10Invest is designed to be straightforward.

Tax smart investing

This is what sets 10Invest apart. Unlike traditional savings or investment products, we pay the tax on your earnings as a tax paid investment at the current life insurance tax rate of 30% – which means you don’t need to include it at tax time.

The longer you invest, the more you benefit.

You can withdraw your money after 10 years free of personal income tax free. Or you can access it at any time and still be eligible for a 30% tax offset for the tax already paid within the investment bond to help reduce your personal tax liability.

How do savings strategies compare

We are here to help Australians with their financial wellbeing. 10Invest has been specially designed for long term performance, low cost and ease, so that you can thrive.

Adnan Glinac
Executive General Manager, Life & Super

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Why invest with Australian Unity?

Market leading

As the leading provider of investment bonds, we have over 35 years’ experience, over $2.3 billion in funds under management and 140,000 policy holders. We know our stuff and know how to make your money work hard for you.


Established in 1840, we’re Australia’s first mutual wellbeing company. With over 175 years helping one million Australian’s with their health and financial wellbeing, we exist to help you thrive.

A rich community heritage

As a mutual, Australian Unity invests profits directly back into our businesses, innovation and growth to help us continuously improve the services and support we provide to our members, customers and the community.

We operate with commercial principles and with a strong social purpose to create community value. Our products and services are designed to provide peace of mind and support for members and customers at important times in their lives.

A mutual understanding

Values are important to us, that’s why we selected Vanguard® a global mutual company, who are also focused on helping their investors thrive.

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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