Michael McQueen

For the last decade, equities (repackaged and otherwise) have reigned supreme. But in a market where everything might soon start to break, investors have to be more nimble.

Foresters is addressing the gap in responsible fixed income investment by offering a sustainability overlay across its funeral, investment and education bond products.

With the right application, education bonds can provide a long term savings plan for a child or grandchild’s education that is both flexible and tax-savvy.

The new $3 million superannuation cap is a reminder that the system will never stand still, and diversification options like investment bonds will always be highly valued.

There may be some caveats, but investment bonds can serve as a tax efficient investment vehicle. This is especially so when planning for life events like schooling, inheritances or property purchases.