Disclaimer:
Generation Life Limited AFSL 225408 ABN 68 092 843 902 (Generation Life) is the product issuer, provides general financial product advice and other services related to investment life insurance products and life risk insurance products. Any superannuation general financial product advice provided is by Generation Development Services Pty Limited ABN 14 093 660 523 (GDS) as Corporate Authorised Representative, No. 001317211 of Evidentia Financial Services Pty Ltd AFSL 546217 ABN 97 664 546 525 (Evidentia). The information provided is general in nature and does not consider the investment objectives, financial situation or needs of any person and is not intended to constitute personal financial advice. The product’s Product Disclosure Statement (PDS) and Target Market Determination (TMD) are available at www.genlife.com.au and should be considered in deciding whether to acquire, hold or dispose of the product. Superannuation products’ PDSs, offer documents and TMDs are available from the websites of their product issuers. Professional financial advice is recommended. The offer made in the PDS is only available to persons receiving the PDS in Australia. Generation Life, GDS and Evidentia exclude, to the maximum extent permitted by law, any liability (including negligence) that might arise from this information or any reliance on it. Generation Life, GDS and Evidentia do not make any guarantee or representation as to any particular level of investment returns. Generation Life does not accept any responsibility or liability for superannuation general financial product advice provided by GDS. Generation Life’s investment bonds can provide certainty as they are governed by legislation that has changed infrequently and can be appropriately structured to bypass an estate and be protected in case of bankruptcy of the life insured. Investments carry risks. Awards are only one factor to may be consider in reaching an investment decision. Past performance is not an indication of future performance. Investment bonds are ‘tax paid’ if held for at least 10 years without any withdrawals and that 10-year period has not been reset.
1 Plan for Life Actuaries and Researchers – December 2021
2 Bloomberg Finance L.P. and its affiliates (collectively, ‘Bloomberg’) do not approve or endorse this material and disclaim all liability for any loss or damage of any kind arising out of the use of all or any part of this material.
3 Maximum aggregate exposure to high yield assets will not exceed 50%.
4 The level of the effective tax rate estimated over the long term is based on the existing legislative tax framework that applies to investment bonds. Represents the estimated average level of tax to be paid by the Fund on its annual earnings based on the Fund’s stated investment strategy, investment profile, current tax legislation and assumes the historical investment and transacting profile will continue. The estimated level of tax paid is assumed over a long term and through a full market cycle. The actual level of tax incurred by the Fund may vary and will be dependent on the Fund’s actual level of earnings and investment and transacting profile. Past performance is not indicative of future performance.
5 ClearBridge Australian Equities Investment Team has been appointed as the investment manager for the Fund. ClearBridge Investments is a division of Franklin Templeton Australia Limited (part of Franklin Resources, Inc).
^ Past performance is not indicative of future performance. Performance quoted is net of all portfolio taxes, management fees, and fund expenses but does not take into account any stamp duty, transaction costs and management fee rebates.