Bonds

We offer a range of bonds to suit different investment needs. Our options include:

  • International Bond (offshore)
  • Tailored Investment Bond (onshore)

International Bond (offshore)

Offshore Bonds offer the potential to grow your money over the medium to long term and could help you with your kid's or grandkid's university costs, provide a source of income when you retire and provide a way to put comforting plans in place if you want to pass your money on to your loved ones.

To apply you need to speak to an adviser.

Offshore investing can be a tax efficient way to plan for your future, giving your money greater potential to grow, and you normally won't pay any tax until you decide to take money out of the bond. The amount of tax you'll be liable for will be based on your circumstances at that time.

Choose from a wide range of investments with the flexibility to shape your bond around your goals, including the ability to take withdrawals if you need them. Switch your investments when you want to* and be rewarded with discounts for investing more money.

For more information on offshore investing read our guide.

  • * You can switch in and out of funds at any time, though there may be conditions for doing this.

Tailored Investment Bond (onshore)

Our Tailored Investment Bond may suit people who want an investment which offers the opportunity for growth in the medium to long term (usually over five years or more). This can be used for taking regular income or for passing money to your loved ones.

To apply call   0345 272 8826

Add or withdraw money when you like, choose from a wide range of funds to invest in and switch funds whenever you want*.

  • * You can switch in and out of funds at any time, though there may be conditions for doing this.

Investing your Onshore Bond in the Distribution fund?

The distribution rate is set every six months. In August 2017 the distribution rate was 2.5% and the pence per unit rate can be found in this table:

Tailored Investment Bond 2.7p
Capital Investment Bond (level charging option) and Distribution Bond (level charging option) - for contracts set up before and after 13/09/04 2.7p
Capital Investment Bond and Distribution Bond (stepped charging option) - for contacts set up after 13/09/04 2.5p
Fidelity 2.2p

Important information

As with any investment the value can go up or down and may be worth less than what was paid in.
Remember that laws and tax rules may change in the future. The information here is based on our understanding in April 2017. Your personal circumstances also have an impact on tax treatment.