Wealth outside
superannuation

Managed investments

Managed investments allow investors to pool their money with other investors, with the funds then invested across a range of assets such as shares, property and fixed interest depending on your risk profile. They can provide diversification and professional investment management without requiring you to select and manage each investment individually.

Education bonds

Education bonds are investment products designed to help families save for future education expenses. They can provide a structured way to invest over time, with the potential for tax benefits when certain conditions are met. They may be used to help fund expenses such as school fees, university costs and other eligible education expenses.

Investment bonds

Investment bonds are long-term investments with an internal tax structure, meaning investment earnings are generally taxed within the bond and are not included in your personal tax return each year.

They can also offer useful estate planning features, including the ability to nominate beneficiaries and, depending on the structure, provide for the distribution of proceeds outside of a Will. This can be particularly useful for blended families and broader estate planning. Investment bonds can be invested alongside your appetite to risk.

Social security

The Age Pension is a government payment designed to provide income support to eligible Australians who have reached Age Pension age. Eligibility and the amount payable are generally determined by factors including your age, income, assets and residency circumstances.

Understanding how these requirements apply can help you plan for your retirement and consider how your other financial resources may interact with the Age Pension.