Investment-Growth-Bond

CommInsure

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Strategies for estate planning and wealth distribution

A CommInsure Investment Growth Bond can be used to provide simplicity and flexibility for estate planning purposes, particularly for clients wishing to leave an inheritance for a child or grandchild.

Key estate planning benefits for your client include:

  • Tax-free proceeds - the deceased estate or nominated beneficiary receive funds tax-free
  • Flexibility - clients can nominate more than one beneficiary and can allocate the percentage each will receive
  • Avoiding delays - distribution of proceeds won’t be subject to the granting of probate
  • Solutions for complex family situations, and
  • A range of investment options and competitive fees

Learn more about these benefits and how a CommInsure Investment Growth Bond can be a solution to your client’s estate planning needs.

More strategies to follow in the upcoming weeks.

Invest Smarter with Investment Growth Bonds

CommInsure’s award winning Investment Growth Bond offers simplicity and flexibility. They can provide safety and security during times of market volatility, and are suitable for a diverse range of clients across all ages and financial backgrounds. Additionally, our Death Benefit Guarantee provides certainty around the amount your beneficiaries will receive.

Watch the video for more information on the Investment Growth Bond’s unique estate planning features.

Past performance information is for illustrative purposes only and is not indicative of future performance.

 

Investment returns

Returns will vary depending on a number of factors, including the investment options in which your client invests and the length of the time they're invested in the Bond.

How to invest

How to invest

To apply for an Investment Growth Bond, your clients will need to:

Contact a dedicated Retirement BDM

NSW

Simon Felice

0416 037 066

simon.felice@colonialfirststate.com.au  

 

VIC/TAS

Stefanie Bond

0475 954 279

sbond@colonialfirststate.com.au 

 

QLD

Vijay Mathew

0475 955 323

vijay.mathew@colonialfirststate.com.au

 

WA/SA/NT

Jesse Rau

0414 083 444

jrau@colonialfirststate.com.au 

1 AFA Investment Bond of the Year Award winner from 2008 through to 2017. Benchmarked on scores for financial, market and product strength factors.

Things you should know:

CommInsure Investment Growth Bonds are issued by The Colonial Mutual Life Assurance Society Limited (CMLA), ABN 12 004 021 809, AFSL 235035 a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (Bank). CommInsure is a registered business name of the CMLA.

A Product Disclosure Statement (PDS) for the CommInsure Investment Growth Bond is available by clicking here. It can also be obtained from your Financial Adviser or by calling CommInsure on 1800 624 100. Please also view our Financial Services Guide.

The Bank and its subsidiaries (excluding CMLA) do not guarantee or in any way stand behind the CommInsure Investment Growth Bond or the repayment of capital or interest by CMLA. Investments in these products are not deposits or other liabilities of the Bank or its subsidiaries (excluding CMLA).

The offers made in this PDS are currently available only to persons receiving this document within Australia. Applications from outside Australia will not be accepted.

This information is general advice only. You should consider your personal circumstances, financial objectives and needs and the relevant product disclosure statement before making a decision to purchase or continue to hold a product

Taxation considerations are general and based on present taxation laws and may be subject to change. CMLA is not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on information in the case study to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.

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