Austock Life Imputation Bonds

 

Imputation Bonds innovatively combine the long established benefits of an insurance bond with a modern, re-engineered investment platform. They are:

 

  • long-term investments for accumulating "Tax-Paid lump sums - ideal for meeting "life-event" investment objectives, such as education funding, estate planning, home ownership, or as an accessible alternative to superannuation; and
  • growth accumulation investments - the Bonds do not annually distribute taxable income or taxable capital gains to you - instead, all investment gains (both income and capital) in the Bond's Investment Portfolios are automatically reinvested without personal tax impact.

Best Suited Investors

Imputation Bonds are suitable for investors seeking a tax-effective investment over a long-term time-frame. They are ideal for accumulating a Tax-Paid lump sum for a specific objective or to build an investment nest-egg to draw down over a future period. (See ‘Strategies and Uses’ section.)

 

They are especially helpful for investors with personal Marginal Tax Rates (MTRs) above 30%. It can often be overlooked that many investors have MTRs of over 40% applying to each incremental dollar of investment income.

 

Click here to find out more about the Investment and Taxation Structure Benefits.

Quick Facts
Plan Options
  • Lump Sum Plans and Savings Plans
Unit Pricing
  • Daily for the 25 Investment Portfolios
Investment Maturity Events

Two maturity events make Investment Benefits payable:

  • your selected investment term (1-99 years) ends, or
  • if the Bond's 'Life Insured" dies before the selected Investment Term ends
Withdrawals and Switching
  • At any time (usually processed within 14 business days)
Ownership Options
  • Individuals (joint) & children
  • Companies and trusts
Bond Transfers
  • At any time (usually without personal tax or CGT)
Estate Planning
  • Bond Nominations (individual & entities)
  • Life Insured feature
Children's Advancement Bonds
  • Set Bond ownership to vest in a child between ages 10 to 25 for education or endowment purposes
Borrowing & Gearing Facilities
  • Use a Bond's borrowing capacity as loan security

 

How to Invest

Applications to invest can only be made on the application form accompanying the Product Disclosure Statement (PDS) for the Austock Life Imputation Bond.

 

Download PDS

Please click here to download the PDS for the Austock Life Imputation Bond.