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Financial planning
The 2025 Guide to Repatriation Tax Wrappers in Australia
Whether you’re an Australian heading home or an international professional relocating down under, understanding how Australia taxes investment-linked life policies and personal portfolio bonds is critical. Residency status, wrapper choice and timing can mean the difference between tax-efficient growth and an unexpected ATO bill.
This guide demystifies the rules, shows you the traps, and outlines proven strategies to preserve and grow your wealth before, during and after your move.
What You Will Learn:
- When you become an Australian tax resident — and why that puts your worldwide income in the ATO’s sights.
- How the 10-year “tax-free window” on investment-linked life policies works — and when gains turn fully exempt.
- Section 26AH made simple — how withdrawals are taxed during years 1-10.
- The 25 % top-up trap — and the easy way to avoid restarting your bond’s tax clock.
- Pre-departure vs post-arrival tactics — timing surrenders, moving cash and syncing offshore investments with super.
- Real-life expat case studies showing how portfolio bonds defer, reduce or wipe out Australian tax.
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