These 3 Accounts Are Invisible to the ATO — Most Retirees Never Use Them

Описание: These 3 accounts are invisible to the ATO, and most retirees never use them. "Invisible" doesn't mean hidden. It means the earnings don't go on your tax return and you pay no personal tax on them, legally. One of them is even exempt from the Centrelink assets and income tests, so it can boost your Age Pension. Robert explains all three, who they suit, and the catches.

In this video: ✅ #1 The funeral bond: tax-paid (not on your tax return), and Centrelink-exempt up to $16,250 each (2026). How it could add about $1,267 a year to an assets-tested Age Pension, plus prepaid funerals and burial plots ✅ #2 The investment bond: taxed inside at 30%, tax-free and not declared after 10 years, the 125% rule, estate planning, and who it DOESN'T suit ✅ #3 Super in pension phase: tax-free earnings and payments after 60, the 15% accumulation tax many retirees still pay, the $2.1m transfer balance cap, the $300,000 downsizer contribution, and the "death tax" on super ✅ BONUS: what's NOT invisible (ATO data matching)


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💬 Is your super in pension phase yet? Tell me in the comments.

⚠️ IMPORTANT: This video is general information only, not financial, tax or legal advice. Tax and Centrelink treatment depends on the specific product and your circumstances. Check each product's PDS. The funeral bond limit is as at 1 July 2026 and indexed yearly. The super example uses an illustrative return. Investment bonds and funeral bonds have fees and access restrictions. Downsizer contributions can affect your Age Pension. Speak to a licensed financial adviser or registered tax agent before acting.

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