Individuals

Investment Growth Bond

What is an Investment Bond?

Investment bonds, also called insurance bonds combine the features of a managed fund and a life insurance policy, offering security and tax effective investing to suit a wide range of investors.

Key benefits of our Bond

KEY BENEFITS OF AIA INVESTMENT GROWTH BONDS

If held for more than 10 years and complying with 125% rule, it is considered a “tax-paid” investment, as tax paid by us at the company tax rate of 30 per cent. Plus no annual tax reporting unless you make a withdrawal.
If you withdraw in the first 10 years a 30 per cent tax offset applies.
No personal capital gains tax on investment switches, withdrawals and change of beneficial ownership.

Select from a range of investment options investing in assets such as Australian and global shares, property, fixed income and cash.
Receive a one-off rebate on initial investment amounts of $100,000 or greater.

What does it provide?

DEATH BENEFIT GUARANTEE

The Death Benefit guarantee provides certainty around the minimum amount that will be paid on the death of the last surviving Life Insured, which can be particularly important during times of market uncertainty*.
INVESTMENT OPTION GUARANTEE

Offered on four of our nine investment options which are designed to provide certainty around the minimum value of the investment. The nature of the guarantee differs across the NC-Cash, NC-Global Fixed Income, NC-Diversified and NC-Conservative investment options*.

*Terms and conditions apply. Refer to the PDS for more details.

Who is this suitable for?

Our investment bond suits a variety of investor needs.

High income earners
Earnings are taxed at 30 per cent instead of your marginal tax rate. With the 125% rule not all contributions have to be invested for 10 years to acquire the tax-paid status.

Saving for children and grandchildren
Setup a Child Advancement Policy and within limits nominate when ownership transfers to a child. Alternatively children from 10 years of age can invest with parental or guardian consent.

Retirees
Can offer a tax-effective income stream outside of super.

Estate planning and wealth transfer
Our guarantees help protect your capital. No restrictions on who you can nominate and beneficiaries receive the proceeds tax-paid.

Alternative to super
No work test applies to contributions and nor do any contribution or lifetime caps apply. Access your money at any time.

For further information on how an AIA Investment Growth Bond can help you with any of the below please refer to our PDS.

AIA Australia has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced at aia.com.au/tmds

Investment Information and performance

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.

Performance report

View this month’s performance.

Investment Managers

View the current list of investment managers, managing the investment within our bond.

Investment Option Performance

Download and keep track of the quarterly performance for each of our nine investment options. Past performance information is for illustrative purposes only and is not indicative of future performance.

NC – CASH

To invest in predominantly short-term money market securities in order to provide both income and the highest level of security.

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NC – AUSTRALIAN SHARE

To invest in a diversified portfolio of predominantly Australian listed company shares in order to provide long term capital growth. This option may have a high level of short to medium-term volatility.

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NC - DIVERSIFIED

To invest in a diversified portfolio of with a balance between growth and defensive assets expected to generate a mix of long-term capital growth and income with a moderate level of security and relatively stable returns.

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NC – GLOBAL FIXED INCOME

To invest in a diversified portfolio of Australian and global fixed income securities in order to provide relatively stable returns. The portfolio aims to hedge currency risk.

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NC – GLOBAL SHARE

To invest in a diversified portfolio of global listed company shares in order to provide long-term capital growth. The portfolio aims to leave currency risk unhedged. This option may have a high level of short to medium term volatility.

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NC – MANAGED

To invest in a diversified portfolio with an emphasis on growth assets expected to generate a mix of long-term capital growth and income, but which may be volatile in the short to-medium term.

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NC – GLOBAL PROPERTY SECURITIES

To invest in a portfolio of global listed property securities in order to seek total return through a combination of current income and long-term capital appreciation. The portfolio aims to hedge currency risk. This option may have a high level of short to medium-term volatility.

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NC – CONSERVATIVE

To invest in a diversified portfolio of defensive oriented assets with a moderate allocation to growth assets expected to generate a mix of income and long-term capital growth with an emphasis on stable returns and a reasonably high level of security.

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NC – GROWTH

To invest in a diversified portfolio of predominantly growth assets expected to generate a mix of long-term capital growth and income but which may be quite volatile in the short-to medium term.

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Important Documents

Product Disclosure Statement

To invest in an AIA Investment Growth Bond you will need to:

Read the Product Disclosure Statement (PDS)
Complete an application form
Invest a minimum of $1,000

Product Brochure

Discover why AIA’s Investment Growth Bond is a smart way to achieve financial growth with an award winning and tax effective investment.

How to invest

STEP 1: READ THIS PDS

We recommend that you read this PDS carefully before investing in an Investment Growth Bond.

STEP 2: SEND US YOUR COMPLETED APPLICATION FORM/S

To apply for an Investment Growth Bond, you need to provide:

a completed and signed application form
identification and verification documents
the investment amount via cheque, direct deposit or super rollover

The effective date of your Investment Growth Bond is the date all application requirements, including your investment, are received and accepted by us.

FOR MORE INFORMATION

Contact your financial adviser, or call us on 1800 624 100 between 8:30am and 6pm (AEST/AEDT), Monday to Friday, excluding public holidays.

Forms and Documents

Product Updates

Important forms

Identification and verification forms

Awards

We’re proud winners of the Association of Financial Advisers (AFA) Investment Bond Award 14 years running (2008 through to 2021)*. We’re also proud winners of the 2020 and 2021 AFA Investment Bond Excellence Award.

*Plan for Life/AFA Investment Bond of the Year winner from 2008 through to 2021. Benchmarked on scores for financial, market and product strength factors.

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Investment Growth Bond

What is an Investment Bond?

Key benefits of our Bond

What does it provide?

DEATH BENEFIT GUARANTEE

INVESTMENT OPTION GUARANTEE

Who is this suitable for?

Investment Information and performance

Performance report

Investment Managers

Investment Option Performance

NC – CASH

NC – AUSTRALIAN SHARE

NC - DIVERSIFIED

NC – GLOBAL FIXED INCOME

NC – GLOBAL SHARE

NC – MANAGED

NC – GLOBAL PROPERTY SECURITIES

NC – CONSERVATIVE

NC – GROWTH

Important Documents

Product Disclosure Statement

Product Brochure

How to invest

STEP 1: READ THIS PDS

STEP 2: SEND US YOUR COMPLETED APPLICATION FORM/S

FOR MORE INFORMATION

Forms and Documents

Awards