Investment Bond - Foresters Financial

The astute way to grow, protect, and transfer wealth

Uniquely designed for discerning investors, the Foresters Financial Investment Bond supports long-term financial strategy.

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1.

Leverage tax-free earnings and withdrawals

Pay no personal tax on investment earnings while your money is in the fund. Additionally, withdrawals from the fund after 10 years are tax-free, subject to the 125% Contribution Rule.
2.

Financially protect loved ones and safeguard your estate

You can nominate a beneficiary anytime to receive the proceeds of the Investment Bond in the event of your death—tax free—without the inconvenience of a probate, Will or trust. No yearly renewal is required, and you can update the nominated beneficiary at any time.
3.

Simple, secure wealth transfer to the next generation

When a nominated child—or children—reaches an age of your choosing, there is no capital gains tax paid on the transfer of the policy. Additionally, the start date of the 10-year rule retains from the start of your policy, so the child is closer to tax-free withdrawals from the fund.

A wealth of investment options

The Foresters Financial Investment Bond offers four options designed to align with your distinct financial objectives.

Each option has a unique risk profile and investment strategy. You have the flexibility to choose one option, or a combination of options.

Investment options and asset allocations:

View this extract from the Product Disclosure Statement.

*Please note, we recommend seeking professional advice regarding your individual circumstances and whether the investment option(s) are appropriate for you.

Unit pricing

View daily unit pricing. Prices are updated regularly

Alternatively, view historical weekly unit pricing.

Understanding your investment risk

The chance of your investments rising or falling in value is related to the option you chose, and how that option invests your money. Capital Guaranteed has the lowest risk and provides security in the value of your investment. High Growth, on the other hand, has the highest risk because it has a higher weighting to growth assets such as shares and property.

Risk profile of investment options (for illustrative purposes)

Measuring your risk

Risk can be hard to interpret because it can be measured in different ways. The good news is there are ways to help you understand and quantify the level of risk you are comfortable with. A common method is the twenty-year principle. This method calculates how many years of negative yearly returns you can expect over a twenty-year period. A higher number represents higher risk because there will be more years with a negative result, and vice versa.

Likelihood of negative annual returns over 20 years

Investment Options
Capital Guaranteed	Sustainable	Balanced	Growth	High Growth
0	3 to 4	3 to 4	4 to 5	5 to 6

Performance | Investment Bond Market Linked Options

Net Returns 30 November 2024
Investment Options	Inception date	FYTD	1 year	2 years p.a.	3 years p.a.
High Growth	31 December 2020	5.58%	14.48%	9.84%	4.62%
Growth	31 December 2020	4.86%	11.70%	8.04%	3.95%
Sustainable	7 January 2022	3.81%	9.71%	6.61%	N/A
Balanced	31 December 2020	3.56%	9.15%	5.86%	1.90%

Past performance is not a reliable indicator of future performance. The value of investments can rise or fall, and investment returns can be positive or negative. The Figures shown are net investment returns, that is, after fees, costs and taxes have been paid over the set periods of time shown and may not reflect the actual returns experienced by investors due to timing of contribution receipts.

Benchmark long-term CPI+ investment objectives:

CPI +4% pa for High Growth;
CPI +3% pa for Growth: and
CPI +2% pa for Sustainable & Balanced

Fees and costs

View the fees and costs extract from our Product Disclosure Statement.

Further details and information

Grow your wealth,
consolidate your legacy

The Foresters Financial Investment Bond