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Exchange-traded funds, or ETFs, have boomed in the past decade and spread each dollar among every member of a sharemarket index such as the ASX Investment bonds are the old guard, tax-paid investments that must be owned for 10 years to get the full benefit. Robo adviser Stockspot, which creates ETF portfolios for clients, has had a per cent rise in its fee-free accounts for children since interest rates started dropping mid-year.
Some parents tell their kids about investments, while others keep it secret. He said investment bonds were previously popular for their tax benefits, but their lower investment returns and higher fees had offset tax gains. An investment bond can be transferred to a child when they reach a nominated age without triggering capital gains tax. Originally published as Best ways to invest money for children. Log in Sign up.
Log out. News Corp Australia Network September 28, am. It does not get you around the punitive children's tax rates because the trustee will be assessed at 66 per cent and there is a major difficulty in that the parent must at all times act as a bona fide trustee and not intermingle trust money with their own.
For example, in a leading tax case a couple accumulated a substantial sum in a trustee bank account and then withdrew it to buy a unit for the use of their children while they were at university. The parents decided to put the unit in their own name and not the children's name — the Tax Office successfully claimed the money was, in fact, the parents' money and assessed them for five years' back interest. A better strategy in most cases is to invest in the name of the lowest-earning parent.
It also reduces the possibility of the Tax Office disputing the ownership because parents are free to give money to their children whenever they wish. The only disadvantage is that capital gains tax will apply if the parent transfers the asset to the child at a later date. Insurance bonds are one of the simplest and most tax-effective investments available.
All you have to do is make an investment into the bond and sit back and watch it grow. Then, after you have owned the bond for 10 years, you can withdraw all or part of the proceeds free of tax. However, there is no obligation to withdraw your money and you can leave it in the low tax bond area for as long as you wish. In many ways, investment bonds are like superannuation. The fund itself pays tax on behalf of the investor, which means there is no need to include any income in the investor's yearly tax return.
However, there are certain critical differences. Superannuation funds pay tax on your behalf at 15 per cent, investment bond funds pay 30 per cent. The amount you can place in superannuation is limited and your money is tied up until you reach your preservation age, which is at least There is no loss of access when you place your money in investment bonds, and the amount you can place in them is limitless.
The ability to access the investment at any time is a major feature. Your money is not tied up for 10 years and you can withdraw all or part of the balance whenever you wish. If you do withdraw your money early, the profits will be fully taxable, but you will be entitled to a 30 per cent rebate to compensate for the tax already paid by the fund.
Noel Whittaker is the author of Making Money Made Simple and numerous other books on personal finance.