An investment bond is a unique tax-effective alternative to traditional savings and investment products.
With an investment bond, we pay the tax on your earnings to the ATO at the 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 all the funds plus interest, with no personal income tax to pay.
Or you can access your money 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.
The longer you invest, the more you benefit, and these benefits pass to your nominated beneficiary.
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Investment bonds can be used as an alternative estate planning tool with unique advantages not available through other investment and wealth transfer products.
Investment bonds are particularly useful if you are concerned about possible challenges to your estate, as they are held outside of your estate and cannot be challenged if you have a binding nomination in place.
In most cases, investment bonds can also be transferred to your nominated beneficiary more quickly and efficiently than other financial products.
Benefits of an investment bond:
