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IOOF Supersaver Options (Supersaver) offers a simple way to build your savings and wealth in a tax effective, flexible investment. Supersaver is ideal for investors of all ages and particularly attractive for those seeking competitive returns and prefer the convenience of a tax paid investment.
Insurance bonds (bonds) can be tax-effective for many investors because bond earnings are taxed in the hands of the life company at the company tax rate of 30 per cent. This rate may be lower than some investors' marginal tax rate (up to 47 per cent) which would be applicable to earnings from other investment options, such as managed funds.
Due to the tax effectiveness of bonds, they can be particularly useful for investors who are trying to minimise their tax liabilities whilst continuing to grow their wealth. For example, bonds can be ideal for saving for children's or grandchildren's education, as the bond owner is not required to include bond earnings as part of their assessable income for tax purposes while the investment is retained in the bond, and neither the bond owner nor the child/grandchild is subject to personal tax on withdrawals if the bond is held by the bond owner for at least 10 years.
You can split your IOOF Supersaver Options investment across the following funds to suit your preferred investment objectives. Seek professional financial advice if you are not sure about which fund(s) are most appropriate for you.
The Balanced Fund: To achieve capital growth over the medium to long term and provide a total return higher than the return of its benchmark by investing in a range of investments across major asset classes.
The Capital Stable Fund: To achieve a high level of capital stability and moderate capital growth over the medium to long term and provide a total return higher than the return of its benchmark by investing in a range of investments across the major asset classes.
The Australian Equities Fund: To achieve a high level of capital growth over the long term with returns that outperform its benchmark, measured on a rolling three-year basis, by investing in a diversified portfolio of Australian industrial and resource shares.
The Fixed Interest Fund: To achieve a higher level of capital protection with competitive returns superior to its benchmark that over the medium term should outpace inflation and exceed those available from the Capital Guaranteed Fund.
The Capital Guaranteed Fund: To achieve security of capital including accrued annual bonuses and returns that outpace inflation over the medium to long term. It offers the highest level of security because of the secure nature of its investments and reserving requirements. Your original capital plus all allocated bonuses, less fees and taxes, are 100% guaranteed.
Loan facility
IOOF Supersaver Options also provides you with access to an attractive loan facility secured against your Supersaver investment. There are currently no loan fees, establishment fees or stamp duty.
| Fee Disclosure | | 2020 DIRECTINVEST will rebate 100% of the 3.0% entry fee on investments in the IOOF Supersaver Options as additional units. 2020 DIRECTINVEST may receive a trailing commission of up to 0.39% pa. This trailing commission is paid by the fund manager and is NOT an additional charge to the investor.
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