fixed TERM or lifetime guaranteed income

Our Guaranteed Income products provide regular, tax-free payments in exchange for an initial investment. They offer more protection from market volatility and inflation than our Account-Based Pension, with less potential for growth.

How it works 

  • You make an initial capital investment
  • You receive guaranteed regular payments in return
  • The payments are fixed, regardless of market movements
  • The payments are tax-free
  • Money can be invested for a fixed term (from 1-40 years) or for the rest of your life (or the lifetime of you and one other person)
  • Some of the capital can be repaid at the end of the investment term and the value at maturity is known (fixed term only)
  • You can make full or partial withdrawals at any time. 

Our Guaranteed Income products offer peace of mind because everything is known up front. You get to choose the term of your investment – lock in a term from 1 to 40 years or invest it for the rest of your life. You receive a fixed monthly return based on an initial capital investment, regardless of market movements. You can set the payment frequency and use it like an income stream. Plus, you pay zero tax on these payments.  

You can also opt for a reversionary spouse nomination so that the person you nominate (generally a spouse) will continue to receive the payments after your death.

We recommend you discuss your individual needs with a financial plannerbefore commencing any retirement strategy. 

For more information, read the Fixed Term and Lifetime Guaranteed Income PDS or contact us. You can also read the Target Market Determination for this product.

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