Whether you're saving for life in retirement or want to save money for long-term goals, our guides, products and tools can help you save efficiently for the future. From Stocks & Shares Individual Savings Account (ISA) to personal pensions there's a range of options for your needs.
Pensions are a tax-efficient way to save for retirement. We can help you get a pension plan, prepare for retirement, and understand the ways you can take your pension money when you come to retire.
We believe good financial advice can make a difference when it comes to achieving your goals. In this section you can find out what you could gain from taking financial advice, when you might need it and how to find the right adviser for you
Our helpful articles are full of tips and information to help you make the most of your money. Whether you're starting to save for life's big moments or you're getting close to retirement, there's something for everyone.
Whether you're an existing customer or new to Standard Life, we're here to help you. We have information to help you contact us, get the most out of our website and find the information you need.
This field is required
Understanding investments and ways to save smarter
Manage your money with these tools and calculators
Save money for retirement and your long-term goals
Invest money flexibly with a range of investment options
Understanding pensions and planning for retirement
See if your pension savings are on track and more
Understand the different types and what you can do
Explore ways to take your savings at retirement
Get started with financial advice
Find out how you could benefit from working with a financial adviser
Speak to one of our specialist retirement advisers
Get professional advice from 1825, our financial planning business
Tips to help you start saving for big life moments and ways to keep on track with your goals
Find out how to make the most of your regular income with these helpful money guides
Learn more about retirement planning and how to take your life savings
Need to speak with us? Find the best way to contact us.
Find out how we can support a range of your needs
Learn more about our services and manage your account
We use cookies when you visit our websites to give you the best experience possible and to keep things secure.
We'd also like your consent to set other cookies to help us further improve our website and to tailor the marketing you see on apps and other websites you visit.
Select "Accept all" to agree to all cookies, or "Manage" to choose which cookies we use.
Offshore Bonds are also known as International Bonds. They're a tax-efficient way for you to invest money over the medium to long term. This is usually over five years or more.
With an Offshore Bond you can invest a lump sum or invest regular payments. Investing your money means it could potentially grow tax efficiently over time because you won't normally pay tax on investment growth, which could give you more savings for the future.
When you feel ready, the money you've saved can be taken as a regular income to pay for life in retirement. Or you can choose to pass it on to your family. An International Bond can be fully or partially surrendered at any time.
Offshore investing can be a tax-efficient way to plan for your future, as you normally won’t pay any tax until you decide to take money out of the bond. The amount of tax you’ll have to pay will be based on your situation at that time.
Offshore bonds can be a useful if:
You can choose from a wide range of investments to help you meet your goals, including funds, discretionary investment managers and bank deposits. You can also switch investments whenever you like.* You may also be rewarded with discounts for investing more money.
*You can switch in and out of investments at any time, although conditions may apply depending on the type of investment.
Standard Life International offers two different options for the International Bond.
You can choose for your bond to be set up on either a Life Assurance or Capital Redemption basis. Before you decide to buy you need to understand the different options available to you, and the risks and commitments involved.
You should speak with a financial adviser to understand which option would best suit your needs. There's likely to be a cost for this.
For more information on offshore investing please check out our guide:
Read our Offshore investing guide (738KB)
We have more information on the funds you can invest in with an International Bond. You can learn more in the Supplementary Information Documents (insured funds) and Key Investor Information Documents (mutual funds) on our check your funds tool page.
To apply you need to speak with a financial adviser. We can help you find one here.
We offer other savings and investment options to help you reach your goals.