The next best thing to super

Insurance bonds beat family trusts and with DIY funds facing possible new limits it's time to take a serious look.

Summary: It’s clear that changes are looming for SMSFs, family trusts can be complex and expensive and private companies can also have limitations for investors. In this context, insurance bonds combine the best aspects of private companies with an extra tax benefit. Insurance bonds can be used for tax planning, financial planning, estate planning, supplements to an SMSF, child advancement and investment gearing.

Key take-out: Tax rates within an insurance bond are capped at 30 per cent pa and if the bond is held for more than 10 years there is no additional tax payable on withdrawals.

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