How an Investment Bond can help supplement superannuation

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Investment Bonds have benefits and features which are worthwhile evaluating as a way to supplement superannuation or even as an alternative tax-effective vehicle. Tax effective structure of Investment Bonds Investment

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“Australia’s Death-Tax by Stealth” – can it be managed?

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The removal of anti-detriment payments, announced in the Federal Budget and effective from 1 July 2017, will have a profound effect on non-dependant beneficiaries receiving death benefit payments from un-taxed

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Smart estate planning must include alternatives to the Will

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Using an Investment Bond, financial advisers can put in place arrangements that are not only separate from their client’s Will, but can facilitate the Bond’s proceeds passing to intended beneficiaries

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Insurance bonds on the comeback trail as income streams

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Retirees are rediscovering insurance bonds as a way to supplement their retirement income from within a tax paid environment and still maintain access to their funds, says Richard Atkinson, AUSTOCK

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The secret bond option for grandparents

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Grandparents are increasingly utilising insurance bonds to leave bequests to their grandchildren that are beyond will disputes. Case study – Grandparents passing assets direct to grandchildren, bypassing their wills: Seventy-year

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Insurance bonds can avoid bequest trap

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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. An insurance on bond is

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A set and forget investment for investors

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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

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Social security and pension treatment of insurance bonds

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An insurance bond might help with meeting income-related thresholds for some government benefits. But Bond alone ownership cannot increase eligibility for the Age Pension. When a person directly owns insurance

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“Dear client: Is your Seniors Health Card at risk?”

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How can advisers help clients get or retain a Seniors Health Card in 2015? … by quarantining assets and thus income produced from pool of assessable assets Speaking yesterday at AUSTOCK Life’s

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Average Australian going into aged care will pay around $10,000 more

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The average Australian going into aged care will pay around $10,000 more after 1 July 2014 – harsher fee levels make aged care more expensive AUSTOCK Life has calculated that

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