Australia’s wealthy are growing fast – and so are their tax bills. According to CoreData Research, High Net Worth (HNW) Australians, hold a record $3.3 trillion in investable assets¹. And by 2030, it’s estimated that over one million Australians could face the top marginal tax rate (MTR)². HNW investors are actively seeking smarter strategies to reduce tax and preserve their legacies across generations – and advisers are in a prime position to help.

Diversification is no longer just smart - it's essential

With rising tax complexity from ongoing policy uncertainty, advisers play a key role in guiding clients toward forward-thinking structures that can deliver resilience, flexibility, control and tax-effective wealth transfers.

Investment bonds: a future-focused alternative

Generation Life's Investment Bonds are a proven, tax-smart solution for HNW investors seeking long-term growth, estate planning efficiency, and effective intergenerational wealth transfers – outside of super and trust structures.

Key benefits for HNW investors

• Tax-effective growth: Long-term effective tax rates as low as 10–15% p.a.³ with Generation Life’s tax-optimised options
• Estate planning benefits: Can be structured appropriately to bypass probate to potentially minimise disputes
• No personal tax reporting: Simplifies administration, ideal for busy clients
• No super death benefit tax: Death benefits are paid tax-free to any beneficiary.

Help your clients build and transfer wealth with certainty

With super tax rules under review and trusts facing increased scrutiny, investment bonds can provide much-needed certainty – as a powerful tool for wealth transfers, intergenerational planning and long-term investing.

As Australia’s HNW segment continues to accelerate, advisers who help clients diversify beyond traditional investment structures will lead the next era of financial advice.