Investment examples - Investments & advice

Investment examples

To make it easier to decide which investment option is right for you, we've created the following examples.

Mary and her husband both earn over $70,000 p.a. (therefore are on the 38% income tax rate) and have recently inherited $50,000.

They'd like to have easy access to their money with tax efficient, competitive returns.

If we compare an ANZ Call Fund PIE with a standard call account, these are the returns:

Fund details	ANZ Call Fund	ANZ Online Call Account
Investment amount	$50,000	$50,000
Example rate of return per annum	4%	4%
Tax paid on returns	30%	38%
Total after-tax income per annum	$1,400	$1,240

Joy's current salary is $90,000. Her salary puts her on the top income tax rate of 38% so any additional income she earns will be taxed at that rate.

Joy has $300,000 to invest from the sale of her house for the next 12 months as she plans to rent over that time.

Comparing the ANZ Term Fund with a Term Deposit produces the following results:

Fund details	ANZ Term Fund	ANZ Term Deposit
Investment amount	$300,000	$300,000
Example rate of return per annum	4%	4%
Tax paid on returns	30%	38%
Total after-tax income per annum	$8,400	$7,440

These examples are for illustrative purposes only. Rates of return are subject to change. Actual rates may differ.

More information

Visit the Inland Revenue website

If in doubt, you should seek your own independent tax advice on your applicable Prescribed Investor rate (PIR).

How to apply

For more information or to apply for an ANZ PIE Fund:

Call 0800 ANZ 2 YOU (0800 269 296)

Visit your nearest ANZ branch

Download an investment statement (PDF 564kB) to find out further information.

The ANZ Term Fund and ANZ Call Fund are unit trusts issued and managed by UDC Finance Limited ("UDC"). Trustees Executors Limited is the trustee. ANZ National Bank Limited is a promoter of the Funds. UDC is a wholly owned subsidiary of ANZ National Bank Limited. The terms and conditions of the Funds set out in the Investment Statement apply. A copy of the Investment Statement (PDF 564kB) and a copy of the Disclosure Statement prepared under the Securities Markets Act 1988, are available on request from any branch of ANZ, free of charge.

Units in the Funds do not represent deposits or other liabilities of ANZ National Bank Limited, are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No person guarantees (either partially or fully) UDC or the capital value or performance of the Funds.

ANZ National Bank Limited.

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