Who is Futurity?



Established in 1974, we are an independent and mutually structured financial institution and Australia’s leading issuer of tax-effective, life-event Education Bonds.



With total assets of $1.01 billion, our financial strength and capital reserves enable us to meet our long-term commitments to members through all investment cycles. Since our inception nearly 50 years ago, more than 570,000 children have received education benefits and $3.8 billion paid to our members and their education beneficiaries. Futurity is an APRA regulated and supervised financial institution.

Futurity Awards and Ratings

We are proud to have received the following Awards and Ratings for the Futurity Education Bond product

For better education access

We use our voice to lobby for better education access for everyone, and we’re active with education-focused philanthropy to support the community, including:

  • Investing in The Smith Family's Learning For Life program, supporting the education needs of Australian children facing disadvantage.
  • Running our flagship annual National Excellence in Teaching Awards (NEiTA) to recognise exemplary and inspiring teachers across Australia.
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For extra tax benefits

Our mutual structure means our clients benefit from significant tax advantages. As a non-distributing investment and while accumulating, the investment growth doesn’t add to the Bond Owner's personal taxable income. Plus an extra Education Tax benefit which amounts to an additional $30 for every $70 withdrawn from investment earnings.

  • Tax-effective funding for a full range of lifelong education courses, from pre-school right through to adult education.
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For every life moment

There’s so much more to us than education. Your clients have access to a wide range of investment options to fund the things that really matter – from lifelong education to a home deposit to establishing a secure inheritance that can’t be challenged.

  • We offer sector-specific options or pre-set diversified options
  • Clients can change their investment mix at any time
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Zenith Approval – Education Bond:

The Zenith Investment Partners (ABN 27 103 132 672, AFS Licence 226872) (“Zenith”) rating (assigned 10/2022 referred to in this piece is limited to “General Advice” (s766B Corporations Act 2001) for Wholesale clients only.  This advice has been prepared without taking into account the objectives, financial situation or needs of any individual, including target markets of financial products, where applicable, and is subject to change at any time without prior notice.  It is not a specific recommendation to purchase, sell or hold the relevant product(s).  Investors should seek independent financial advice before making an investment decision and should consider the appropriateness of this advice in light of their own objectives, financial situation and needs.  Investors should obtain a copy of, and consider the PDS or offer document before making any decision and refer to the full Zenith Product Assessment available on the Zenith website.  Past performance is not an indication of future performance. Zenith usually charges the product issuer, fund manager or related party to conduct Product Assessments.  Full details regarding Zenith’s methodology, ratings definitions and regulatory compliance are available on our Product Assessments and at Fund Research Regulatory Guidelines

 

Lonsec Rating – Education Bond:

The rating issued 04/2023 is published by Lonsec Research Pty Ltd ABN 11 151 658 561 AFSL 421 445 (Lonsec). Ratings are general advice only, and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and Lonsec assumes no obligation to update. Lonsec uses objective criteria and receives a fee from the Fund Manager.

Visit lonsec.com.au for ratings information and to access the full report. © 2023 Lonsec. All rights reserved.