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Investment Growth Bond

What is this product about?

Also known as an insurance bond, investment bonds combine many of the 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.

Key benefits of our bond

 

Tax-effective investing

  • If held for more than 10 years and complying with 125% rule, it is considered a “tax-paid” investment, as tax is 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.

Estate planning

  • Nominate multiple beneficiaries (stipulating percentage of benefit) with no restrictions on who is nominated and beneficiaries receive the proceeds tax-paid.

Savings options for children

  • Children as young as 10 can invest with parental or guardian consent.
  • Setup a Child Advancement Policy and within limits nominate when ownership transfers to the child, without any capital gains tax implications.

Rebate Offer

  • Clients with an initial investment amount of $100,000 or greater will receive a one-off rebate as additional units in your chosen investment option

Resolution Life 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 resolutionlife.com.au/aia/tmds

Investment Growth Bond PDS

Our difference

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

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

Our investment advantage

This flyer provides an insight into our investment approach and the strategies we use to reduce risk and increase risk-adjusted returns.

Investment approach flyer

Investment option performance

Download and keep track of the quarterly performance for each of our nine investment options.

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 – 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 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 – 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 - 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 – 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 - 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 - 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 – 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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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.

Performance report

Investment managers

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

List of investment managers

Technical strategies

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

Saving for children and grandchildren

When investing for a child or grandchild the investment bond can be structured in four key ways.

Download strategy

Tax-effective investing

When compared to superannuation at 15 per cent contributions tax and a marginal tax rate of up to 47 per cent, tax on earnings in an investment bond sits firmly in the middle at 30 per cent.

 

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Estate Planning and wealth distribution

With a Bond, clients can nominate more than one beneficiary and stipulate the percentage of the benefit that each beneficiary will receive.

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Benefit of guarantees

Discover how our Investment Option Guarantee and Death Benefit Guarantee can fit into your clients’ investment strategy.

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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.

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How to invest

STEP 1:

Read this PDS

We recommend that you read this PDS carefully and contact your dedicated Retirement BDM if you have any questions.

DOWNLOAD PDS

STEP 2:

Complete application form

Please send your Application Form, cheque or direct deposit receipt (if applicable), and certified ID, to:

Resolution Life
Investment Growth Bond
GPO Box 3306
Sydney NSW 2001

Adviser use only
Scan and email forms to:
Au.NewBusinessIGB@aia.com

STEP 3:

Application acceptance

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

For more information

Contact your dedicated Retirement BDM.

Awards

We're proud winners of the Association of Financial Advisers (AFA) Investment Bond Award 15 years running (2008 through to 2022)*. We're also proud winners of the 2020, 2021 and 2022 AFA Investment Bond Excellence Award.

*Plan for Life/AFA Investment Bond of the Year winner from 2008 through to 2022. Benchmarked on scores for financial, market and product strength factors.

Contact your dedicated Retirement BDM

QLD/VIC/TAS

Vijay Mathew
0475 955 323
vijay.mathew@aia.com

NSW/ACT/SA/WA/NT

Simon Felice
0416 037 066
simon.felice@aia.com

Important information

Any advice and information on this website is general in nature and is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), which is part of the Resolution Life Group. Resolution Life can be contacted via the Contact us page. The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to those matters as well as the relevant Product Disclosure Statement (PDS) or Policy Document, available here or via the Contact us page. Before making a decision about the product, consider speaking to a financial adviser if you have any concerns.

If you decide to purchase or vary a financial product, Resolution Life and/or other companies within the Resolution Life Group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium they pay or the value of their investments. You can ask us for more details.

These products are not issued by the AIA Group. The AIA Group has sold to the Resolution Life Group that part of the business that previously provided or administered these products. The Resolution Life Group and its products and services are not affiliated with, or guaranteed by, the AIA Group. The Resolution Life Group uses AIA's trademarks under licence.