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.Contact us
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:
Estate planning is far more than just having an up-to-date will. It specifies how your assets will be distributed, protects beneficiaries, and ensures your final wishes are observed.
An executor is responsible for fulfilling the terms of a will. We can be appointed as your executor in your will or assist an executor with the administration of the estate in its entirety or with specific tasks.
If appointed as your financial attorney (via an enduring power of attorney), we can help protect and manage your assets in the event you lose capacity. We can also provide assistance to other nominated attorneys.
We can help you protect your assets by establishing a trust, for example, which may provide wealth creation and other benefits for you and your family.
We can help you create a meaningful and ongoing legacy, that can start during your lifetime or on your passing and will continue to benefit future generations or causes close to your heart through charitable giving.
We provide taxation advice to executors administering an estate; we aim to minimise any taxation liability of the estate and seek to prevent an executor becoming personally liable for any taxation consequences. We also provide business, Self-Managed superannuation fund and personal taxation advice including the preparation of tax returns
Investment bonds are a way to save for the future and can be used as an alternative tool in estate planning. Investment bonds have unique benefits including tax-free death benefit payments for beneficiaries and increased protection against estate challenges
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Nothing on this site represents an offer or solicitation by Australian Unity Trustees in relation to securities or investments in any jurisdiction. Where a particular financial product is mentioned, you should consider the Product Disclosure Statement before making any decisions in relation to the product and Australian Unity Trustees makes no guarantees regarding future performance or in relation to any particular outcome. Whilst every care has been taken in the preparation of this information, it may not remain current after the date on which it is published, and Australian Unity Trustees and its related bodies corporate make no representation as to its accuracy or completeness.