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A flexible tax-effective investment
The Investment Growth Bond is an insurance bond that combines the benefits of a managed fund with the security and tax benefits of a life insurance policy.
The Bond provides a range of investment options in a simple tax-effective package. You can also take advantage of estate planning features such as the ability to nominate beneficiaries, or use the Bond as a savings vehicle for a child’s future financial needs.
The Bond is simple because investment earnings do not have to be declared in your tax return unless you make a withdrawal within the first 10 years. Investors are free to switch (without personal tax consequences) between a range of seven investment options.
Using an Investment Growth Bond
Investment Growth Bond may be suitable for investors:
- Looking to invest tax-effectively over the longer term;
- In higher marginal tax brackets and looking to minimise taxable income;
- Looking to defer personal tax on investment growth to future years;
- Saving for the future financial needs of a child (eg. education expenses, deposit for first home, etc);
- Seeking certainty in estate planning and wealth transfer;
- Looking for an investment with little or no annual tax reporting and paperwork.
Performance report
Click here for the latest monthly performance report.
To find out more about the Investment Growth Bond
- Ask your financial adviser about the Investment Growth Bond
- Download the Product Disclosure Statement
- Download the Investment Growth Bond Simple Guide or Investors Guide
- If you do not have an Adviser, you can contact us on 1800 624 100 between 8 am and 6 pm (Sydney time), Monday to Friday and ask us to arrange for a Commonwealth Financial Adviser to call you to make an appointment.
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