IOOF WealthBuilder

Tax-effective, flexible and accessible

Important notice:Insignia Financial Ltd announced it has executed a Share Sale Agreement with Australian Unity Ltd to sell its friendly society investment bond business, including the IOOF WealthBuilder products, through the divestment of IOOF Ltd.

IOOF Ltd’s policy holders will benefit from joining the Australian Unity Group which is committed to growing and investing in the investment bond sector over the long term.

Completion of the transaction is subject to obtaining relevant regulatory approvals and is expected to occur by the end of calendar year 2023.

To ensure a smooth transition for clients, we are expecting a transition period of approximately 12 months, which means it’s business as usual - with no immediate changes.

View the fullASX announcement

For more information contact your financial adviser or our Investor Services Team1800 002 217.

With the IOOF WealthBuilder investment bond, you can have the tax-effectiveness you need together with the flexibility and accessibility that you want

Features and benefits

  • Tax effective
  • Suitable for a wide range of investment needs
  • 低投资分imums / flexibility
  • Access your money whenever you want it

A market-leading investment bond

The IOOF WealthBuilder investment bond is one of the leading investment bonds available today – and it has led the way since 1981.

Not only does it provide investors with a genuine solution for a wide range of investment needs, it also boasts a great range of investment options and product features together with competitive fees.

Why invest in IOOF WealthBuilder?

An investment bond is a ‘tax paid’ investment.

This means that the tax on investment earnings are paid by the bond issuer at the current company tax rate of 30 per cent and after ten years from the start date, the investment is free of personal income tax in the hands of the investor.1

  • It's tax paid while invested, so there is no personal assessable income.
  • Withdrawals made after the ten year tax period are free of personal income tax.
  • If the investment is withdrawn within the ten year tax period, investors get a rebate for the tax already paid within the investment bond.
  • Franked dividends reduce the amount of tax paid within the investment bond.
  • Benefit from no personal capital gains tax upon withdrawal, or when switching between investment options.

1 Ten year period is defined as the end of the tenth year from the start date for tax purposes. This may be different to the initial investment date.

It can be used for a wide range of investment strategies including tax management, wealth accumulation, early retirement and estate planning.

IOOF WealthBuilder offers investors a comprehensive range of investment options to cater for different needs.

These options give you access to leading fund managers.

IOOF WealthBuilder has low investment minimums, making it possible for you to set up different bonds to suit different investment strategies. You can choose to open an IOOF WealthBuilder account with either:

  • a one-off lump sum, or
  • a regular savings plan.

With a regular savings plan, you don't have to wait until you have a huge lump sum to start saving for that great family holiday, special occasion or for their kids.

Initial investment Initial investment with a regular savings plan Additional investment Additional investment with a regular savings plan Switch/
Regular withdrawal
Per Account $2,000 $500 $500 $100 $500 200美元
Per Fund $500 $500 $500 $100 $500 -

IOOF WealthBuilder’s features give you unparalleled flexibility when it comes to contributing or withdrawing your money. You can:

  • invest using BPAY®, cheque or through a regular savings plan
  • use the regular savings automatic increase facility – this increases the regular savings investment amount each year in line with the maximum investment you can make under the 125 per cent rule – to maximise your savings and the tax benefits
  • access your money whenever it’s needed – either through a one-off withdrawal request or through the regular withdrawal facility.

125 per cent rule

There are limits on the maximum additional investments that can be made to an investment bond, such as IOOF WealthBuilder, each year. After the first year, the maximum you can invest in any one year is 125 per cent of your investment in the previous year without restarting the ten year tax period.

This is commonly referred to as the ‘125 per cent rule’ and is based upon the bonds anniversary date. For more information please see theIOOF WealthBuilder PDS.

How to invest

If you would like to invest in IOOF WealthBuilder you must read the IOOF WealthBuilderProduct Disclosure Statementand complete the relevant application forms.

Before investing, we recommend you speak to your financial adviser. If you don’t have a financial adviser, we can help you find one.

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