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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 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.
Investments 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.
Other ways you can manage your policy online
What you need to know
Any advice on this website is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (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 relevant product disclosure statement and/or policy document, available from Resolution Life at resolutionlife.com.au or by calling 133 731, before making a decision on whether to acquire, or continue to hold, the product.
The Target Market Determinations (TMDs) for our financial products (where applicable) can be found at Target Market Determinations (TMDs). 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.
