The superannuation reforms have now passed the Senate and will be in place from July 2017. Post July 2017 high income/high net worth clients and indeed some before then who have already triggered their bring forward contributions, will look for alternative, tax efficient and flexible structures to invest in. Like superannuation, Imputation Bonds are a tax-paid […]
imputation bonds
Personal planning strategies that suit imputation bonds
The taxation and other features of the modern Insurance Bond favourably positions it as an alternative vehicle to using a family or discretionary trust for some personal planning strategies. Insurance Bonds (like the Imputation Bond) are the next best investment vehicle to superannuation and are experiencing a rebirth as a finance, tax and estate planning […]
Austock Life expands popular Vanguard Tax-Paid Range
Austock Life announces the expansion of its Imputation Bond’s popular Vanguard Indexed range by adding three new investment menu options.
Imputation bonds and superannuation
Insurance Bonds are the next best sheltered tax vehicle to super and can deliver personal tax arbitrage benefits for higher taxed investors. They also open a multitude of financial planning strategies and solutions. Ross Higgins from AUSTOCK Life is seeing more clients and their advisers using Imputation Bonds in ‘strategy-based’ and/or ‘alternative structuring’ applications that […]
Insurance Bonds avoid bequest trap
An often overlooked investment can give parents in blended families certainty that their nominated beneficiaries will receive their bequest without challenges from disgruntled family members.
A set and forget investment
Investors who like the idea of investing in a vehicle that allows them to forget about their tax obligations every year, might find the concept of using insurance bonds as a “set and forget” investment quite appealing. In the case of Imputation bonds, investors can set them up as “set and forget” investments. During the […]
Insurance bonds that act like annuities
An Imputation Bond can be set to generate a tax-effective and regular “annuity-like” payment stream. Unlike ordinary annuities, there is total flexibility to vary at any time the stream’s payment amounts and/or their frequency of drawing them against the insurance bond’s value. “But it is important to understand that an Imputation Bond regular payment stream […]
Imputation bonds add up for paying off student loans
An investment-linked insurance bond could be the salvation for students or their families that want to avoid the potentially crippling impact of student debt. Annually, Australia’s Higher Education Loan Payment (HELP) program makes student loans totalling more than $6 billion. [1] Eligible students under the 2015 FEE-HELP limits can borrow from the Federal Government up […]