How do investment bonds for kids look now with the CGT discount gone?

I have about $25,000 earmarked for my kids house deposit, it's currently in DHHF in their name+TFN, the plan was to transfer it to them at 18 and sell down between 18-20 to utilise their tax free threshold.

Holding it under the old system, it was 47% on dividends, but CGT disposal would have been 0-22% depending on their marginal tax rate at disposal (likely 0% or closer to). Now that it's 30% minimum on CGT disposal taxes, that changes things a bit, especially since investment bonds have a flat 30% tax for both dividends and CGT.

I would appreciate if anyone could help me reassess something like Gen Lifes Child investment bonds product wrapping Vanguard all growth fund.

**Downsides:**

  • Additional fee of 0.40% - not inconsiderable
  • Lack of flexibility in adding lump sum/windfalls
  • Lower taxes on dividends
  • Unable to make use of bringing forward capital gains (I think)

**Upsides:**

  • My kid can't touch until 25 if I specify
  • No need for them to handle taxes on disposal when they need to claim
  • No yearly annual tax return admin for me
  • Asset protection
  • Lower taxes for dividends - 30% vs 47%

Is there anything I'm missing? Wrong assumptions?

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u/KaleidoscopeLegal348 — 28 days ago
▲ 106 r/redrising+1 crossposts

MIT CSAIL researchers have built a functional three-sided zipper called the Y-zipper, realizing a concept originally conceived by MIT Professor William Freeman in 1985, when his proposal was rejected by the Innovative Design Fund after he submitted it in response to a Scientific American advertisement offering up to $10,000 for textile and home decor prototypes. The device, developed by a nine-person team led by MIT postdoc Jiaji Li and senior author Associate Professor Stefanie Mueller, is published in the Proceedings of the 2026 CHI Conference on Human Factors in Computing Systems. Funding details were not disclosed in the available materials.

The Y-zipper works by interlocking three flexible 3D-printed plastic strips through a triangular slider mechanism, transforming them from a loose, tentacle-like configuration into a rigid rod-like structure in a single motion. CSAIL paired the physical fastener with a custom software tool that lets users specify strip length, bend angle, and one of four motion profiles, including straight, arched, coiled, or twisted, before the system autonomously fabricates the zipper on a standard 3D printer. The team identified target applications across camping equipment, medical gear, robotics, and art installations, all contexts where rapid, reversible transitions between soft and rigid states offer practical value.

The current implementation uses plastic fabricated on a 3D printer, which limits material flexibility, durability under repeated stress, and scalability to industrial manufacturing without further development. No performance benchmarks, load-bearing data, or comparative testing against existing rigid-to-flexible mechanisms were reported in the available summary. The logical next step is durability and load testing across the proposed application domains, particularly medical and robotics contexts where mechanical reliability under repeated cycling is a hard requirement.

u/InterstellarKinetics — 1 month ago

When I say it's unusable, I don't mean it has lower quality output or less efficient output for the cost.

I mean, when I put it in Claude code, I get fully repeatable error responses from the harness about how the request failed. Prompts that return workable changes or plans from sonnet 4.6 will spin for a minute and then time out with things like *"Error: Response too large"*.

Burns a ton of tokens and I don't get a single line of code. Haven't touched it the first week of release.

Yes, I know I can rollback to opus 4.6. Thanks, you've missed the point. Anthropic needs to do a permanent rollback and take steps to prevent this happening again.

reddit.com
u/KaleidoscopeLegal348 — 1 month ago