Investment Growth Bond

What's an investment bond?


Also known as an insurance bond, it combines many of the features of a managed fund and a life insurance policy, with the added benefit of the investment bond provider paying 30% tax on any earnings in the bond, rather than an individual paying tax on earnings at their marginal tax rate.

Tax-effective investing

They’re easy to establish and if the client has satisfied the 125% rule (where each year’s contributions do not exceed 125% of the previous year’s contributions) and held the investment for 10 years, any withdrawals made will not attract personal income tax.

In addition, there are no capital gains tax implications if clients switch between investments or transfer ownership of the bond.

The CommInsure difference

Safety and security are important considerations for many people, especially when the market is volatile. Which is why the CommInsure Investment Growth Bond offers two key features that help protect capital from market risk.

Death Benefit Guarantee

Provides certainty as to the minimum amount that will be paid on the death of the last life insured, subject to certain requirements.

Investment option guarantees

Offered on four of our nine investment options. It’s designed to provide certainty as to the minimum value of your holdings in that investment option.

An award winning product

CommInsure’s Investment Growth Bond has won the AFA Investment Bond of the Year award 11 years running from 2008 through to 20181.


Investment Growth Bond strategy papers

CommInsure has produced a range of Strategy Papers that illustrate how investment bonds can form part of a number of strategies for a clients’ portfolio.

These strategies range from ways to increase wealth in a tax effective manner, to estate planning tools to giving children a financial start in life.

Investment option performance

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

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

Contact a dedicated Retirement BDM


Simon Felice

0416 037 066


Vijay Mathew

0475 955 323


Jesse Rau

0414 083 444

1 AFA Investment Bond of the Year Award winner from 2008 through to 2018. 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).

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.