We offer a range of bonds to suit different investment needs. Our options include:
An International Bond from Standard Life could help you to help your kids or grandkids with university costs, could provide a source of income when you retire and provides a way to put comforting plans in place to pass your money on to your loved ones.
There is no tax on the amount your bond grows by. Tax is only payable when you withdraw money - and the amount of tax you’ll be liable for will be based on your circumstances at that time. Choose from a wide range of funds, switch funds when you want to* and be rewarded with discounts for investing more money.
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.
Add or withdraw money when you like, choose from over 170 funds (as at November 2014), to invest in and switch funds whenever you want*.
These options are only open to current Capital Investment Bond and Distribution Bond customers.
Our Capital Investment Bond may suit people who want to invest over the medium to long term (usually at least five years). You can withdraw money when you like and postpone your tax payment on it for up to 20 years.
If you have £10,000 or more to invest and want to be able draw a regular income from your investment, our Distribution Bond may suit you. You'll be able to take a regular income every month, every three months or every six months - whatever suits you best. Like our Capital Investment Bond, you can switch funds whenever you like*.
If you are invested in the distribution fund for any of our offshore bonds, the distribution rate is set every six months. in February 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) - pre/post 13/09/04||2.7p|
|Capital Investment Bond and Distribution Bond - (stepped charging option) after 13/09/04||2.5p|
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 2016. Your personal circumstances also have an impact on tax treatment.