Investors will buy one or more second hand endowment policies issued by AMP, AXA and MLC when they order a portfolio of T-Zero or T-Zero Plus.

T-Zero and T-Zero Plus are the brand names we give to traded endowment policies.

We don't have a product disclosure statement (PDS) as investors purchase existing financial products, namely traded endowment policies.

T-Zero or T-Zero Plus do not pay regular income but are exclusively a growth bond which pays the capital growth at maturity.

The cash growth in T-Zero or T-Zero Plus will be either tax free or fully tax paid at the company rate (30%) depending on whether you are a Superannuation Fund or a Non-Superannuation Fund investor.

Investors are given:

• Statutory title to their policies
• Significant capital guarantees from AMP, AXA and MLC
• Written ATO opinion on the gain at maturity

THE MINIMUM INVESTMENT IS $10K AND ITS AS SIMPLE AS COMPLETING THE ORDER FORM

We will need to identify if you are a Superannuation or a Non Superannuation investor at time of purchase.

We pay between 1 - 1.5% upfront brokerage to licensed advisors.