About the special fee offer
All new investment bonds established by 31 March 2019 will qualify for a special tiered fee rate, with discounts available for investment balances above $50,000 (normally $500,000).
The benefit of the 10 year advantage
Investment bonds are tax paid investments, meaning that when earnings are received we pay tax at a rate of up to 30%. If your marginal tax rate is higher than 30%, this makes investment bonds a great tax effective long term investment.
If you invest in the bond for at least 10 years, your growth on the entire investment, including additional contributions, will be tax paid, and withdrawals after the 10th anniversary will be free of any personal tax in your hands - subject to the rules around the 125% opportunity. Also, you will not attract any capital gains tax on withdrawal or when switching between investment options.
Your investment bond is designed to be held for at least 10 years to be most tax effective and offers the continued flexibility to make additional contributions over the life of the investment bond.
While there is no limit on how much you can contribute in your first year, each year following, you can continue to add up to 125% of the previous year’s contributions, without extending your 10 year term for tax purposes. This means, the contributions you make along the way also receive full tax benefits.
It’s your money so it’s important to know you can access it at any time.
However, it’s worth remembering that if you do withdraw part or all of your investment before the 10 years is up, some of the earnings may be taxable, depending on when the withdrawal is made (although you will get a tax offset back).
If you don’t make a contribution to your investment bond for one year, any new contribution in the following years resets the 10 year period.
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