Altavero Capital Education Investment Plan – Insurance Bond
Investing in your Childrenʼs Education
Why the Altavero Capital Education Investment Plan?
The Altavero Capital Education Investment Plan is designed to help families build and manage funds for future education expenses through a structured and tax-efficient approach.
Disciplined Investment Approach
Managed using structured investment processes supported by experienced professionals and a focus on long-term outcomes.
Tax Efficiency
Offers tax advantages, including potential benefits for education-related expenses and favorable treatment of investment gains.
Control and Flexibility
Maintains control over investments, with the ability to adjust beneficiaries and access funds when needed.
Estate Planning Benefits
Structured to support efficient transfer of wealth, with beneficiary nominations managed through the investment framework.
Asset Protection
Designed to provide a level of protection for education funds under applicable legal structures.
Financial Privacy
Investment structure supports confidentiality and separation of assets within the plan.
Investment Options
| INVESTMENT OPTIONS | EXPECTED LONG TERM RETURN PRE TAX P.A. | INCOME / GROWTH |
|---|---|---|
| Altavero Capital EUROPE CREDIT FUND | 4%-5% | INCOME |
| Altavero Capital EUROPE HYBRID INCOME FUND | 4%-5% | INCOME |
| Altavero Capital USD HYBRID INCOME FUND | 4%-5% | INCOME |
| Altavero Capital REAL INCOME FUND | 6% – 8% | INCOME + GROWTH |
| Altavero Capital EUROPE PROPERTY FUND | 8%-10% | INCOME + GROWTH |
| Altavero Capital MULTI-ASSET CLASS GROWTH FUND | 6%-10% | GROWTH |
Investment Structure
The Altavero Capital Education Investment Plan is structured to provide flexibility, control, and clarity over how funds are managed and distributed.
Plan Owner
The Plan Owner is the legal holder of the investment bond and has full control over all investment and transaction decisions. The plan can be held individually, jointly, or through entities such as trusts or companies. Individuals over the age of 16 are eligible to invest.
Nominated Student
A student can be nominated by the Plan Owner to benefit from the plan. To access reimbursements, eligible education expenses must be incurred. The nominated student does not hold ownership rights over the investment.
Plan Guardian
A Plan Guardian may be appointed to manage the plan in the event of the Plan Owner’s death. If no guardian is nominated, the plan is administered through the owner’s estate. The Plan Guardian cannot change the nominated student.
Beneficiaries
The Plan Owner may nominate beneficiaries who will receive the proceeds of the plan under defined conditions, such as completion of studies or other qualifying events.
Eligible Expenses
The plan covers a broad range of education-related expenses, including: School fees (pre-school, primary, and secondary) Tertiary education (universities, colleges, and training institutions) Books, uniforms, and equipment Government-supported education fees (e.g., HECS/HELP) Living expenses related to education
Investment
Investments are made through regulated structures, with funds allocated into professionally managed portfolios. The plan allows flexibility in investment duration and allocation, within defined guidelines.