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What is an investment bond?
Investment bonds, also called insurance bonds, combine the features of a managed fund and a life insurance policy, offering security and tax effective investing. One of the main tax benefits of investment bonds is that tax on earnings is paid by us at the company tax rate of 30%. Investment earnings generally don't have to be declared in your tax return, unless you make a withdrawal within the first 10 years of holding the policy. No personal tax is payable on the investment bond once you've held it for 10 years and continue to satisfy the 125% rule. If you withdraw before 10 years, you may be able to take advantage of the 30% tax offset. You can also benefit from no personal capital gains tax on investment switches, withdrawals and change of beneficial ownership, plus you can select from a range of investment options. Investment bonds are generally suitable for families looking to save for a child's future, retirees looking for tax-effective income, investors looking for certainty in estate planning and alternatives to super.
Key benefits of our bond
- If held for more than 10 years and complying with 125% rule, it is considered a “tax-paid” investment, as tax paid by us at the company tax rate of 30%. Plus no annual tax reporting unless you make a withdrawal.
- If you withdraw in the first 10 years a 30% tax offset applies.
- No personal capital gains tax on investment switches, withdrawals and change of beneficial ownership.
- Select from a range of investment options investing in assets such as Australian and global shares, property, fixed income and cash.
- Receive a one-off rebate on initial investment amounts of $100,000 or greater.
What does it provide?
Death benefit guarantee
The Death Benefit guarantee provides certainty around the minimum amount that will be paid on the death of the last surviving Life Insured, which can be particularly important during times of market uncertainty*.
Investment option guarantee
Offered on four of our nine investment options which are designed to provide certainty around the minimum value of the investment. The nature of the guarantee differs across the Cash, Global Fixed Income, Diversified and Conservative investment options*.
*Terms and conditions apply. Refer to the PDS for more details.
Who is this suitable for?
Our investment bond suits a variety of investor needs.
High income earners
Earnings are taxed at 30% instead of your marginal tax rate. With the 125% rule, not all contributions have to be invested for 10 years to acquire the tax-paid status.
Saving for children and grandchildren
Setup a Child Advancement Policy and (within limits) nominate when ownership transfers to a child. Alternatively children from 10 years of age can invest with parental or guardian consent.
Retirees
Can offer a tax-effective income stream outside of super.
Estate planning and wealth transfer
Our guarantees help protect your capital. No restrictions on who you can nominate and beneficiaries receive the proceeds tax-paid.
Alternative to super
No work test applies to contributions and nor do any contribution or lifetime caps apply. Access your money at any time.
For further information on how a Resolution Life Investment Growth Bond can help you with any of the below please refer to our PDS.
Resolution Life has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced at Target Market Determinations
Investment information and performance
Returns will vary depending on a number of factors, including the investment options in which your client invests and the length of the time they're invested in the investment bond.
Investment option performance
Download and keep track of the quarterly performance for each of our nine investment options. Past performance information is for illustrative purposes only and is not indicative of future performance.
Cash
To invest in predominantly short-term money market securities in order to provide both income and the highest level of security.
Global property securities
To invest in a portfolio of global listed property securities in order to seek total return through a combination of current income and long-term capital appreciation. The portfolio aims to hedge currency risk. This option may have a high level of short to medium-term volatility.
Global share
To invest in a diversified portfolio of global listed company shares in order to provide long-term capital growth. The portfolio aims to leave currency risk unhedged. This option may have a high level of short to medium term volatility.
Diversified
To invest in a diversified portfolio of with a balance between growth and defensive assets expected to generate a mix of long-term capital growth and income with a moderate level of security and relatively stable returns.
Important documents
Product Disclosure Statement
To invest in a Resolution Life Investment Growth Bond you will need to:
- Read the Product Disclosure Statement (PDS)
- Complete an application form
- Invest a minimum of $1,000
How to invest
STEP 1:
Read this PDS
We recommend that you read this PDS carefully before investing in an Investment Growth Bond.
STEP 2:
Send us your completed application form/s
To apply for an Investment Growth Bond, you need to provide:
- a completed and signed application form
- identification and verification documents
- the investment amount via cheque, direct deposit or super rollover
The effective date of your Investment Growth Bond is the date all application requirements, including your investment, are received and accepted by us.
For more information
Contact your financial adviser, or call us on 133 731 between 9am and 5pm (AEST/AEDT), Monday to Friday, excluding public holidays.
Forms and documents
Awards
We're proud winners of the Association of Financial Advisers (AFA) Investment Bond Award 15 years running (2008 through to 2022)*. We're also proud winners of the 2020, 2021 and 2022 AFA Investment Bond Excellence Award.
*Plan for Life/AFA Investment Bond of the Year winner from 2008 through to 2022. Benchmarked on scores for financial, market and product strength factors.
What you need to know
Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life) is the issuer of the Investment Growth Bond
Any advice on this website is provided by Resolution Life, and is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the Investment Growth Bond Product Disclosure Statement and Policy document, available from Resolution Life at resolutionlife.com.au/igb or by calling 133 731, before making a decision on whether to acquire, or continue to hold, the product.
Any guarantee offered in this product is only provided by Resolution Life.
The Target Market Determinations (TMDs) for our financial products (where applicable) can be found at Target Market Determinations - Resolution Life. The TMDs describe the key features and attributes of an applicable product that affect whether it is likely to be consistent with the objectives, financial situation and needs of consumers in the target market.
Resolution Life is part of the Resolution Life Group and can be contacted via contact-us or by calling the phone number mentioned above.
