IOOF WealthBuilder Capital Guaranteed Fund

About this Fund

Fund Detail

FUND MANAGER IOOF Investment Management
ASX Code
INVESTMENT STYLE The Fund invests in a range of Government and semi-Government bonds, bank securities, debt issued by corporations and asset-backed securities.
INVESTMENT PROFILE The Fund seeks to achieve security of capital including accrued annual bonuses and returns that exceed inflation over the medium to long-term.
FUND SIZE UBSA Bank Bill Index
FEES 1.50% p.a.



Benefits of investing in IOOF WealthBuilder investment bonds

WealthBuilder provides a number of benefitsto help build, manage and grow your savings.

A tax paid investment

  • IOOF pays the tax on your investment earnings on your behalf at the current company tax rate of 30% rather than your marginal tax rate.
  • This means you don't have to report WealthBuilder investment income to the Australian Taxation Office (ATO) while your money remains invested.

A great range of investment options

  • There are 16 investment options for you to choose from with a range of profiles including 4 diversified Funds and 12 sector options.
  • These provide you access to quality investment managers and a mix of different asset classes to help you meet your individual investment needs.

Switching is easy

  • If you change your mind, or your circumstances change over time, you can easily switch between Funds within your account without incurring any capital gains tax (CGT).

You can start with as little as $500

  • With our Regular Savings Plan, you can start a WealthBuilder account with as little as $500 (or $2,000 without a Regular Savings Plan).
  • Having a low minimum balance to start investing means you can easily access the benefits of WealthBuilder and start planning for your future today.

Flexible contribution options

You can easily invest in WealthBuilder by:

  • Direct Debit
  • BPay
  • Regular Savings Plan
  • Cheque.

You can also choose our optional Regular Savings Plan Automatic Increase facility.

Access your money at any time

WealthBuilder allows you to save with the freedom to access your money whenever you need it through either:

  1. one-off withdrawal requests
  2. the Regular Withdrawal Facility.

Grow your wealth through borrowing

  • WealthBuilder provides access to a Loan Facility that allows you to borrow money using your WealthBuilder investment as security.
  • There are currently no loan fees (establishment or ongoing) or stamp duty applicable.

Great savings options for children

  • WealthBuilder provides easy options to save for your children.
  • Children who are at least 10 years of age can invest, with earnings taxed at 30% rather than any penalty tax rate for minors.
  • Alternatively, a Child's Advancement Policy, allows you to invest on behalf of a child, and have the ownership automatically transferred to that child when they reach a nominated age.

A simple way to provide for your family when you pass away

  • WealthBuilder allows you to nominate beneficiaries so that when you (as the life insured) pass away, the proceeds go straight to your beneficiaries rather than going through the estate.
  • This means your loved ones don't need to pay tax on the amount they receive.

Risk level


Investor suitability

The Fund may be suitable for investors:

  • who require security for their capital
  • with a low level of risk tolerance
  • who are seeking positive real rates of return.




Key Features

About IOOF WealthBuilder investment bonds

The IOOF WealthBuilder investment bond is one of the leading investment bonds available today - and it has led the way since 1981.

Not only does it provide investors with a genuine solution for a wide range of investment needs, it also boasts a great range of investment options and product features together with competitive fees.

With the IOOF WealthBuilder investment bond, you can have the tax-effectiveness you need together with the flexibility and accessibility that you want.

What is IOOF WealthBuilder?

WealthBuilder is an investment bond for people looking to save or invest for the medium to long-term and provides a unique and simple solution for investment, tax planning and estate planning needs.

WealthBuilder provides access to a range of investment options1, but unlike traditional investment products, such as unit trusts, earnings from the investment bond are taxed in the hands of IOOF, rather than the investor. As a life insurance investment product, WealthBuilder also provides investors with the ability to nominate beneficiaries to receive investment proceeds in the event of death.

Depending on your needs and lifestyle goals, you can use WealthBuilder for a number of purposes, such as:

  • saving for your child's education or for a property purchase
  • planning for that big overseas holiday when you retire or a new car
  • giving your children or grandchildren a financial head start with an investment
  • managing and protecting your finances when you pass away
  • managing your tax more effectively.

Whatever your needs and lifestyle goals, WealthBuilder can help you get there. It can meet the different needs of different people at varying stages of their life - we call it our multi-generational wealth solution.

You can select from a range of investment options, accessing quality investment managers and a mix of asset classes, providing you with flexibility and investment choice.

Who can invest?

WealthBuilder is open to a wide range of investors including:

  • individuals (aged 10 years or more)
  • joint owners (up to three people can jointly own a single WealthBuilder account)
  • organisations, companies and trusts.

If you would like further information about the policy owner and types of investors, please refer to page 7 of the PDS.


How we invest your money

The Fund invests in a range of Government and semi-Government bonds, bank securities, debt issued by corporations and asset-backedsecurities. A small percentage of the Fund's investments may be held in international fixed interest securities.

The maturity structure of the Fund will be actively managed based on assessment of the prevailing macro-economic environment and the anticipated movement in interest rates.

The Fund is authorised to utilise approved derivative instruments, subject to the specific restriction that derivative instruments cannot be used to gear portfolio exposure.

It offers the highest level of security because of the secure nature of its investments and reserving requirements.

Your original capital plus all allocated bonuses, less fees, are guaranteed by IOOF Ltd.