We believe money fuels dreams, including passing wealth to future generations thoughtfully.

Investment bonds help to offer control when gifting early to adult children or grandchildren, bypassing risks of misuse.

Here are three ways we leverage investment bonds to create secure and flexible legacies.

1. Provide Structure for Adult Children
We recommend investment bonds for gifting to adult kids when you want oversight.

For a $150,000 gift tied to a future date, we suggest an investment bond where you retain control as owner.

Funds then grow tax-paid at 30% and because you retain the control it means you can withdraw if needed if for example the financial situation of your adult child has deteriorated.

2. Skip Generations for Grandchildren
We use specialised investment bonds to bypass adult children and directly benefit grandkids.

An education bond, for instance, names grandchildren as beneficiaries, with parents managing investments but not withdrawing personally.

For $50,000 per grandchild, funds cover schooling—tuition or books—with great tax advantages when used for education. 

3. Ensure Estate Protection and Flexibility
We integrate investment bonds into legacy plans for non-estate assets, avoiding probate delays.

With a $100,000 investment bond you can nominate specific beneficiaries, transferring the benefits directly upon your passing which then sidesteps wills that could be at risk or get caught up in probate.

Investment bonds allow outstanding flexibility, lets you reclaim funds if circumstances shift and provides tax-efficient wealth creation for the beneficiary of your choice.

Investment bonds add control to early gifting and you can start by defining goals and consulting on tax rules.

At CommonCents Financial Planning, we’re here to help you build and protect your legacy.

Contact us to explore how investment bonds can secure your family’s future!