Financial Advice StrAtegies

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The information we provide on this website is General Advice only. What that means is that we don't take into account your personal investment objectives, financial situation or needs, so getting expert financial and legal advice is well worth it. If you don't have a financial adviser then you can contact us to point you to where you can find one.

As well as the strategies that have already been covered in our website, the KeyInvest Life Events Bond can be used for more complex situations such as:

Aged Care

By using a Discretionary Trust to own a Life Events Bond, assessable income can be reduced for Aged Care means tested care fee calculations and Age Pension. This can result in higher Age Pension and lower means tested fees in Home or Residential Aged Care.

For more information contact your Financial Adviser.

Qualifying for government benefits

Some government benefits are based on an adjusted taxable income calculation. A KeyInvest Life Events Bond may reduce your taxable income assisting you to access benefits such as:

  • Commonwealth Seniors Health Card
  • Seniors Tax Offset

For more information contact your Financial Adviser.

Business Succession Planning

The Life Events Bond can be used as an investment vehicle for a business owner and employee to co-contribute funds as part of a Buy-Sell agreement. 

Annual agreed bonus payments and after tax agreed amounts from the employee's salary are paid into the Bond (owned by the existing owner with the employee as beneficiary) over an agreed term until the purchase price is reached.

This strategy can incentivise a valued employee to stay on during a transition of ownership,  and creditor protection of the funds can apply for the business owner in case of Bankruptcy.

For the employee, if the owner passes away the Funds will come to him as beneficiary and according to the terms of the Buy-Sell agreement.

It's complex, so legal and financial advice is critical to ensure it is the right option for you.

Contact Us

Speak to our friendly staff about our Retirement Villages and Investment Bonds today - KeyInvest is your best choice to secure your future.

Call us today on 1300 658 904 or complete the form below and we'll get in touch!

Speak to our friendly staff about our Investment Bonds & Retirement Villages

KeyInvest is your best choice to secure your future.

Click Here or Call Us Today on 1300 658 904
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Head Office Address

Level 5, 49 Gawler Place Adelaide SA 5000
PO Box 3340 Rundle Mall SA 5000

Phone:  1300 658 904
Fax:  08 8231 4079
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