There are some excellent comments re Insurance Bonds at long term invst for kids however I thought I would create a new thread without the reference to "kids" in the title to attract a wider audience. I'm in the very early stages of considering Insurance Bonds as an alternative to additional concessional Super contributions and/or long-term holds of LIC/ETF style investments. The concessional tax treatment is certainly appealing for someone on the 39% (inc Medicare levy) tax rate, and the 10 year hold requirement is acceptable (especially compared with Super which I can only access in more than double that time frame). I am also encouraged that there are some providers that offer reasonable choice of the underlying investments (eg Austock options included Magellan for international shares, Investors Mutual + Fidelity (as a bundle) for Australian shares and Vanguard international and Australian share index options amongst others. I still need to do a lot of sums to work out if this is a worthwhile strategy for me. Meanwhile, does anyone have any comments / experiences not captured in the earlier thread? Thoughts on risks of Insurance Bonds vs directly investing in the underlying products? Thanks, Mim.