More advisers are considering the use of investment bonds for a larger range of clients and a broader range of investment strategies.
Investment Growth Bond Strategy Papers
Estate Planning and Wealth Distribution
Investment bonds are being increasingly deployed as a strategic investment tool for estate planning.
Why? Investment bond proceeds are tax-free upon death and can be paid to a broad range of nominated beneficiaries such as extended family, unrelated individuals or charities.
Additionally, CommInsure offers a Death Benefit Guarantee that provides certainty on the minimum amount that will be paid on the death of the last surviving life insured.
Tax solutions for high income individuals
Investment bonds can be used to provide high income individuals with a means to increase their wealth in a tax-effective manner.
At their simplest, investment bonds combine features of a managed fund and a life insurance policy, with the added benefit of the investment bond provider paying 30 per cent tax on any earnings in the bond, rather than an individual paying tax on earnings at their marginal tax rate.
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:
- Invest a minimum of $1,000
- Read the Product Disclosure Statement (PDS)
- Complete the Application form
- Be at least 10 years of age or older.
Forms and documents
Contact a dedicated Retirement BDM
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.