Centuria Investment Bonds

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Tax paid investing at
a max tax rate of 30% over 10 years

Choice of
investment options

Named beneficiaries
Paid tax-free

Centuria investment bonds give investors with medium- to long-term goals the capacity to make tax-effective investment decisions outside superannuation.

Are you seeking more from your investments?

Are you wanting to build wealth, save for a property, or set aside an education fund? Do you want to complement your superannuation strategy with a more flexible investment or look for an efficient way to transfer wealth?

Tax paid for you

The growth and earnings of Centuria Investment Bonds are taxed at a maximum rate of 30%, paid by Centuria from the earnings of each bond.

Tax-paid after 10 years

You pay no personal income tax on your investment during the term, and if you hold your investment for more than 10 years, you pay no tax on withdrawals.

You can make once-only, or regular contributions and benefit from the advantages of compound growth to create long-term wealth.

We do not distribute any income until you withdraw your investment. Each bond’s net investment earnings are automatically reinvested, which means you benefit from compounding returns.

No annual tax reporting

As long as your money remains invested, we will pay tax on investment earnings and there is no requirement to declare those earnings in your annual tax reporting.


Establish your investment bond. We pay the tax and report to you annually. No tax declarations, and no additional paperwork.

Growing wealth

There are no limits on contributions in the first year and you can contribute up to 125% of the previous year’s contributions after that without changing the original start date of your investment bond for tax purposes. There are no limits on withdrawals. You can make once-only or regular contributions and withdrawals whenever you like. You can use your bond to build wealth for the future, supplement your income or save for that big expense.

Transferring wealth

You can nominate beneficiaries who will receive the proceeds of the investment bond without reference to your will. This provides peace of mind knowing your intended beneficiaries will be looked after.

Fees and expenses

The table below shows fees and other costs that you may be charged. These fees and costs may be deducted from your money, from the returns on your investment or from the Bond’s assets as a whole. You should read all the information about fees and costs because it is important to understand their impact on your investment.

Type of fee or costAmountHow and when paid
 Fees when your money moves in or out of the fund
 Establishment Fee
The fee to set up your initial investment
NilNot applicable
 Contribution Fee
The fee on each amount contributed to your investment
NilNot applicable
 Withdrawal Fee
This is the fee for each withdrawal you make
NilNot applicable
 Termination Fee
The fee when you finally close your account
NilNot applicable

Management costs

The following table shows the fees and costs for managing your investment.

 Management Fee
The fee for managing
your investment
Australian Shares Bond Fund
Balanced Bond Fund
Capital Guaranteed Bond Fund
Cash Plus Bond Fund
Growth Bond Fund
1.20% p.a.
1.875% p.a.
1.50% p.a.
0.90% p.a.
1.5% p.a.
Management fees are accrued on a daily basis, based on each Bond’s gross asset value, and paid monthly in arrears out of the assets of the relevant Bond.
Centuria’s Management Fees are inclusive of the management fee charged by underlying investment managers and is the total fee paid.
As such the actual fee received by Centuria will be reduced where a management fee is charged by an underlying investment manager, with the effect that the management fee charged does not exceed the Management Fee detailed in this PDS.
Please refer to the ‘Management costs’ and ‘Example of annual fees and costs’ sections on the following pages for further details.
 Estimated ongoing expenses NilWhilst Centuria is entitled to reimbursement of expenses out of the Bond’s assets as incurred in certain circumstances, based on historical data, expense recoveries are expected to be nil.

Centuria’s Investment Bonds offer a tax effective investment vehicle outside of superannuation. They have features that investors should consider if they wish to invest outside of superannuation. Suitability of an investment in a Centuria Investment Bond will depend on a person’s circumstances, financial objectives and needs, none of which have been taken into consideration in this advertisement. Prospective investors should obtain and read a copy of the Product Disclosure Statement (PDS) and consider the information in the PDS in light of their circumstances, objectives and needs before making a decision to invest. We recommend that prospective investors consult with their financial adviser. This website is not an offer to invest in any of Centuria’s Investment Bonds. Investment in Centuria’s Investment Bonds are subject to risk as detailed in the PDS. Centuria will receive fees in relation to an investment in its Investment Bonds. Issued by Centuria Life Limited ABN 79 087 649 054 AFSL 230867.