Investment bonds, also called insurance bonds, are one of the most misunderstood tax effective investment structures in Australia. This in depth guide explains how Australian investment bonds work, who they may suit, tax rules such as the 10 year rule and 125 percent contribution rule, and how they can help fund education costs, future home deposits or intergenerational wealth outside superannuation. You will learn about the parties to a bond, child advancement conditions, available investment options, risks and what to consider before starting a strategy.
Personal Insurance Explained | Life, TPD, Trauma & Income Protection
This comprehensive guide explains how personal insurance works in Australia – including life insurance, total and permanent disability (TPD), trauma cover and income protection. In plain English, we walk through why insurance matters, the risks to consider, how different policies are structured and owned, and the potential tax implications. You’ll also learn the pros and cons of holding cover inside super versus in your personal name, and what to look for in definitions, waiting periods and benefit periods. Whether you’re protecting your family, your income or your lifestyle, this guide will help you make more confident, informed decisions about the cover you choose.
Comprehensive Guide to Superannuation | Types of Funds, Contributions, Taxation of Super and More
Everything you need to know to gain an understanding of superannuation
Downsizer Contributions
Educational guide to downsizer contributions
Superannuation Death Benefits
A guide to superannuation death benefits, who they can be paid to, how nominations work and the tax on benefits paid.
Concessional Contributions Guide
Learn about concessional contributions for superannuation.
Carry Forward Concessional Contributions Guide
A guide to how the superannuation carry forward concessional contributions work.
Capital Gains Taxes Explained
Learn about capital gains taxes (CGT), how they are calculated, exemptions and how capital losses work.
Managed Funds Explained
Learn about how managed funds work, what they are, the benefits of managed funds, disadvantages and risks.
How to Construct Portfolios
A guide to building investment portfolios, understanding asset classes, diversification, value and growth investing, risk profile and structuring.
Guaranteed Income Streams Explained
An in-depth explanation of how guaranteed income streams like annuities work, what to consider and the various features.
Transition to Retirement Explained
Learn about Transition to Retirement (TTR) strategies and Transition to Retirement Income Stream (TRIS) opportunities.
Age pension and CSHC Explained
Aged pension entitlements and Commonwealth Seniors Health Card explained.
Account Based Pensions Explained
Information on retirement income streams from superannuation. Convert to a tax-effective retirement income stream.
Key Person Insurance Advisers | Dumont Wealth
Safeguard Your Business with Key Person Insurance
Business Guarantor Debt Protection
How the right protection can help directors manage their risk if something happens to them.
Buy/Sell Business Insurance Explained
How to manage your business risk and plan your succession using insurance.
Business Expense Insurance Explained
How to protect your business and cover expenses if something happens