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Austock Life Imputation Bonds

Imputation Bonds innovatively combine the long established benefits of an insurance bond with a modern, re-engineered investment platform. They are:

• long-term investments for accumulating "Tax-Paid lump sums - ideal for meeting "life-event" investment objectives, such as education funding, estate planning, home ownership, or as an accessible alternative to superannuation; and
• growth accumulation investments - the Bonds do not annually distribute taxable income or taxable capital gains to investors - instead, all investment gains (both income and capital) in the Bond's Investment Portfolios are automatically reinvested without personal tax impact.

Our Core Proposition to Investors

The true test of an investment is whether it increases wealth after taxation, after inflation and after fees - it's what it delivers in your client's hands that really counts.

If you have clients that are higher taxed investors and their investment strategy involves using Managed Funds, then you should consider the product structure that can yield your clients the best "after-tax" investment performance.

Best Suited Investors

Imputation Bonds are suitable for investors seeking a tax-effective investment over a long-term time-frame. They are ideal for accumulating a Tax-Paid lump sum for a specific objective or to build an investment nest-egg to draw down over a future period. (See ‘Strategies and Uses’ section.)

They are especially helpful for investors with personal Marginal Tax Rates (MTRs) above 30%. It can often be overlooked that many investors have MTRs of over 40% applying to each incremental dollar of investment income.

Click here to find out more about the Investment and Taxation Structure Benefits.