Your goals. Planned.
If you want to turn ’one day’ into a real plan, an Investment Plan could be right for you.
Build freedom to retire on your terms. To say yes to big opportunities. Or simply to know your family will be cared for. Your plan grows steadily, adapts as life changes, and gives you confidence every step of the way.
For the first time, I feel confident easing into retirement on my own terms, knowing my investment can help support the life I want.
Andrew
For any moment or milestone
Life’s big moments
Plan ahead for weddings, new homes, holidays or milestones without stress.
Future security
Build a financial safety net for the unexpected, so you can face tomorrow with confidence.
Retirement and lifestyle
Give yourself choices later in life, whether that’s finishing work early, travelling more, or simply living with peace of mind.
Passing it on
Nominate who should receive the funds, or transfer the plan to the next generation, keeping your legacy simple and tax-smart.
Our Investment Plan, explained
Our Investment Plan is an investment bond - a long-term, secure savings investment with tax advantages.
You decide how much to contribute and when. Your money grows within the bond and you don’t pay any personal tax on it while you’re invested.
Hold your plan for 10 years, and if you follow the contribution rules, your withdrawals are generally tax-free. It’s one of the simplest ways to grow, protect, and pass on what matters most.
There are a number of investment options you can choose from, depending on your goals.
Investment options – returns versus risk
The chart above is illustrative and is not intended to show actual return and risk outcomes to scale. Past performance is not a reliable indicator of future returns.
Smart investing, designed for life
Tax-smart growth
Earnings are taxed within the bond at a flat 30%, not your marginal rate. Hold your plan for 10 years (and meet the contribution rules) and withdrawals are generally tax-free.
Your plan, your way
Add to your plan when it suits you or make withdrawals if needed, all while keeping your plan on track.
Choose your investment mix
Choose from multiple investment options from capital guaranteed to high growth and switch if your goals or comfort level change.
Effortless estate planning
Nominate beneficiaries so your plan bypasses probate and reaches the people you choose, simply and quickly.
Generational planning
Transfer ownership to children or heirs without resetting the 10-year clock, keeping your plan tax-smart for the next generation.
Transparency at every step
Track your progress with published performance and clear risk profiles so you always know where you stand.
For Australians like you
We’ve helped over 97,000 Australians bring their plans to life. We’d love to help you, too.
97,000+
active members
176+
years of planning with Australians
$450m
in funds managed with care
Start your Investment Plan today
As your life-planning partner, Foresters is here to help you grow and protect what matters most. Whether you’re just starting to save money or ready to put a long-term plan in place, we're here to help.
Your questions, answered
An investment bond is a long-term, tax-effective way to save and grow money. Your contributions are invested, and earnings are taxed inside the bond, not on your personal tax return. After 10 years (and if you’ve followed the 125% Contribution Rule), withdrawals are generally tax-free.
Yes. You can withdraw from your plan at any time. Just note that if you withdraw in the first 10 years, some of the earnings component may be taxed (with a 30% tax offset applied).
Foresters offers a range of investment options: sustainable, balanced, growth and high growth, so you can match your plan to your goals and comfort level. You can switch between options if your needs change.
Hold your bond for 10 years (and follow the 125% Contribution Rule) and your withdrawals are generally tax-free. This makes an investment bond one of the simplest ways to plan for the long term.
Because we’ve been helping Australians plan ahead for more than 176 years. As a member-owned organisation, we focus on people, not shareholders, keeping your plan clear and flexible.
No. You don’t need to report earnings accumulated in the bond while you’re invested. If you withdraw after 10 years (with the 125% rule met), the withdrawal isn’t treated as assessable income. Withdrawals made during the first 10 years may require you to declare part of the earnings.
This rule ensures you maintain the right to tax-free withdrawals. After your first year (which sets your benchmark), each year you can contribute up to 125% of the previous year’s amount. Staying within those limits helps you qualify for tax-free withdrawals after 10 years.
Yes. A child aged 10 to 15 can be the policy owner with parent/guardian consent. The child can’t make investment decisions (like switching or nominations), but is the life insured under the policy. From age 16, parental/guardian consent is not required.
Yes. If you change your mind within 30 days of receiving the certificate of membership, you can cancel your investment bond. Foresters will refund your contributions (minus fees or taxes) and any change in investment value.
We’re here to help. You can speak to one of our Australian-based consultants now on 1800 645 326.
Investment Bonds are issued by Foresters Financial Limited (AFSL: 241421).
This information is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness to your circumstances and seek advice from a licensed financial adviser.
We take care to ensure the information provided is accurate and complete, but we make no guarantees as to its reliability. Always refer to the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and other official documents before acquiring any financial product.