Create and grow an education legacy for your family

    An innovative new Education Bond that works like your own special purpose ‘education’ family trust.

    You have discretion to appoint up to ten Education Beneficiaries from the Family or Friends beneficiary classes to cater for the education needs of multiple generations of your family and/or philanthropic giving.

    The flexible structure gives you full control and access to your funds at any time, both for making Education Benefit Claims and withdrawals for any purpose. Importantly, when you make Education Benefit Claims for any or all of your Education Beneficiaries, these claims have particularly attractive tax outcomes. This is because Futurity automatically adds an Education Tax Benefit of $30 for every $70 claimed from your Education Bond’s earnings component as Education Benefits.

    Contributions to your bond can be made via a regular savings plan or lump sum contributions. You can then choose how your funds are invested via our expansive investment menu with options to build your own portfolio or use a custom blended option.

      Read more

      Save and invest for your child’s future

        An Individual Education Bond allows you to nominate a single Education Beneficiary who will be the sole recipient of the Bond’s benefits.

        This structure enables you to plan, save and invest to ensure that future education expenses for your nominated Education Beneficiary will be met.

        The flexible structure gives you full control and access to your funds at any time, both for making Education Benefit Claims and withdrawals for any purpose. Importantly, when you make Education Benefit Claims for your Education Beneficiary, these claims have particularly attractive tax outcomes. This is because Futurity automatically adds an Education Tax Benefit of $30 for every $70 claimed from your Education Bond’s earnings component as Education Benefits.

        Contributions to your bond can be made via a regular savings plan or lump sum contributions. You can then choose how your funds are invested via our expansive investment menu with options to build your own portfolio or use a custom blended option.


          Read more
          One of the Education Bonds features is its range of special taxation benefits available to investors over its lifecycle.

          Superior tax-effective investing

          Our Education Bonds have a range of special taxation benefits that can produce superior after-tax outcomes compared to other investment types.

          

          As a ‘tax-paid’ investment, we pay tax on the Bond’s ongoing investment earnings so while the Bond accumulates in its tax paid environment, you don’t have to be concerned with tax reporting and paying tax on these earnings.

          

          When accessing earnings for education purposes, you will receive an Education Tax Benefit. This benefit, being an additional $30 for every $70 withdrawn from earnings, represents a refund of the tax already paid by us on the earnings.

          

          If you require funds for other purposes, you may still receive beneficial tax outcomes under Investment Bond Tax Rules, and importantly, some funds will be paid to you tax-free.

          Read more
          Futurity Education Bonds has flexible Estate and intergenerational planning tools and the ability to appoint Bond Guardians

          Secure peace of mind by establishing your education legacy

          Utilise our estate planning features to ensure your investment will be treated in line with your wishes and future education funding plans.

          

          Our Education Bonds enable you to make ‘Will-like’ tax-effective inheritances so your Bond’s proceeds are distributed to your chosen nominees on a tax-free basis and in line your wishes.

          

          You may also appoint a Bond Guardian to carry out your wishes should you die or become incapacitated.

          

          Our future activated transfer feature allows you to achieve intergenerational wealth transfers.

          Read more

          Unlock your family’s education journey

          Start today

          Our Bonds can help you save and invest for a lifetime of education goals

          Download PDS