Investment bonds are lump sum investments used to invest in a wide range of
funds and assets with the aim of providing capital growth. Your investment
is pooled together with other investor’s savings and managed by a fund manager.
Investment bonds are seen as medium to long-term investments, typically greater
than five years.
All investment bonds are enhanced
Investment bonds from £5000
Qualified investment bond specialists
Our investment bond service
Our investment bond service reduces the up front charges you normally pay when
you invest directly with an insurance company. We research all of the leading investment
bond providers and enhance your investment by discounting our commission or enhancing the
product terms to provide you with the very best terms for your investment bonds. This
discount is not available when you invest directly with an insurance company. Request a
and application pack.
Choice of bonds
Our discount service is available for
with profit investment bonds,
guaranteed equity bonds,
unit linked bonds
and offshore bonds. This wide choice of investment bonds provides you with the
opportunity to invest with the leading investment management groups and inline with
your investment objectives.
Choice of funds
An explanation of the different funds available and the risk associated with each
fund and asset class, together with online past performance data and detailed fund
fact sheets for all qualifying investment funds can be obtained from our fund performance
pages. You can also download our
ethical investment questionnaire from our document centre.
Choice of structures
Investment bonds are designed around two basic charging structures; an initial
charge structure and an establishment charge structure, both offering the choice
of with and without early exit penalties. Initial charged investment bonds are
designed to take all of the costs from your bond upfront, whereas establishment
charged bonds are designed to spread the charges, normally over the first five years.
Investment bonds containing early exit penalties are normally establishment charged
bonds, and the exit penalty is designed to recover costs if you withdraw your savings
in the early years.
Enhancements & discounts
Our enhancements and product discounts for investment bonds change on a regular basis
and depend on the terms we negotiate with the investment management groups and insurance
companies. Typically our enhancements range from 3% - 6%. This represents an immediate
enhancement of between £1,500 and £3,000 for a £50,000 investment. Our enhancements are
in addition to any product discounts
and special offers available from the investment management groups or insurance
Offshore investment funds
Offshore investment bonds allow you to invest into a much wider range of specialist
investment funds. Many offshore bonds provide you with access to the worlds leading
specialist fund managers; a service normally only available to professional investors
Investment bonds can be used as a tool to mitigate or reduce both
and personal tax. A wide range of UK and offshore trusts are available. Use our
inheritance tax calculator
to see if you have an inheritance tax liability.
Taxation of investment bonds
UK investment bonds pay the equivalent of basic rate tax at source within the fund.
This can be very beneficial for higher rate tax payer’s who defer any potential liability
to higher rate tax. It is tax neutral for basic rate tax payers, but can be a disadvantage
to non tax payers as they can not reclaim the tax paid on the fund.
Offshore investment bonds do not pay UK tax within the fund. This provides you with
the benefit of gross investment growth. You may be liable to taxation when profits
are transferred back into the UK depending upon your tax situation at the time.
Taking regular withdrawals
Investment bonds allow you to take regular monthly, quarterly or annual withdrawals
from your fund. If these withdrawals total 5% or less of your original investment
in any one year they are treated as a return of capital and are not subject to taxation.
This facility can be used to create a tax efficient “income” for higher rate
taxpayers and people over 65 with age related tax relief as it defers, or removes
totally, the tax liability until the bond is finally surrendered. Subject to the
investment bonds terms you are free to take higher regular withdrawals but these may
be subject to taxation.
Poor investment performance or high charges can result in underperformance of your
investment bond. Our investment review service is designed to assess the investment
performance of your existing investment bonds and their charges against their peers,
and your attitude to investment risk. If your investment bond funds are underperforming
or your funds are out of line with your attitude to investment risk, a revised profile
will be provided.
allow you to structure your investment in a different way.
These investment plans can provide tax efficient income and capital growth and can
allow you to offset gains against your capital gains allowances.
Traded endowments, known as second hand endowments, allow you to invest
into a plan with underlying guarantees with opportunities for capital growth.
Guaranteed equity bonds allow you combine the growth potential of the
stockmarket with 100% capital protection of your investment.
To request a quote
Complete our online investment bond
or call one of our specialist
investment advisers to request your free investment bond quote. As an internet
based firm of
independent financial advisers
we provide advice over the telephone,
via email and through the post. Dealing with you in this way allows us to discount
our charges and commissions to provide you with the very best discounted investment bonds.
Help & advice
There are many different options to consider when choosing an investment bond and
it makes sense to take advice from a qualified investment specialist who is independent
and can offer you products and services from the whole of the market place. Please call
one of our
to discuss the different options available
to you and to request a quote for your investment bond.