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Investing / Investment Growth Bond

Grow your investment with confidence

Investment options

Offers a choice of nine investment options including four multi-sector options and five single-sector options.

Investment option guarantees

Offered on four of our nine investment options. Designed to provide certainty as to the minimum value of your holdings in an investment option.

Death Benefit Guarantee

Provides certainty as to the minimum amount that will be paid on the death of the last Life Insured.1

Award-winning

Winner of AFA’s Investment Bond of the Year Award, 10 years running (2008 through to 2017).2

What's an investment bond?

  • Also known as an insurance bond, it combines 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
  • You can select from investment options that invest in assets such as shares, property, fixed interest and cash
  • It is flexible enough to suit a wide range of needs and different situations
Mother daughter swing

Tax-effective investing

  • Investment bond earnings are taxed at 30 per cent
  • Withdrawals don’t attract personal income tax if you have held the bond for at least 10 years, subject to satisfying the 125% rule (where each year’s contributions don’t exceed 125% of the previous year’s contributions)
  • No capital gains tax if you switch between investment options or transfer ownership of the investment bond
  • You don’t need to include any investment bond earnings in your annual tax return while your money remains invested

They may be suitable for:

  • High-income earners looking to maximise tax efficiencies
  • Retirees in need of a tax-paid income stream
  • Families wanting to save for young children through a Child Advancement Policy
  • Anyone looking for alternatives to super, certainty in estate planning and wealth distribution with little or no tax reporting

How to invest

To invest in a CommInsure Investment Growth Bond you will need to:

  1. Read the Product Product Disclosure Statement (PDS)
  2. Complete an application form
  3. Invest a minimum of $1,000

To discuss your options, make an appointment with a Commonwealth Financial Planner.

Request an appointment

Investment information & forms

Investment information

Important forms

Identification and verification instructions

Need more information to help plan for your retirement?

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Things you should know

1 To qualify for the Death Benefit Guarantee, the younger Life Insured on the policy must be less than 85 years of age at the policy commencement. While the policy remains in force, the Death Benefit Guarantee will continue to apply until the 99th birthday of the last surviving Life Insured.

2 AFA Investment Bond of the Year Award winner from 2008 through to 2017. Benchmarked on scores for financial, market and product strength factors.

The information contained on this web page is of a factual nature only and is not intended to constitute financial product advice. It has been prepared without considering your individual objectives, financial situation or needs. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information. Please view our Financial Services Guide.

CommInsure Investment Growth Bonds are issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA), a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“CBA”). CommInsure is a registered business name of CMLA.

View the Product Disclosure Statement (PDS) for the CommInsure Investment Growth Bond. The information provided is general advice only. You should consider the PDS and your personal situation, needs and objectives before making a decision to buy or continue to hold a product.

Commonwealth Financial Planners are Representatives or Authorised Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.

The offers made in the CommInsure Investment Growth Bond PDS are currently available only to persons receiving the documents within Australia. Applications from outside Australia will not be accepted.

Taxation considerations are general and based on present taxation laws and may be subject to change. CMLA is not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek independent, professional tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.