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  • About Us
  • Services
    • Financial Planning
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      • Introduction to Business Insurance
      • Pensions & Capital
      • Key Person
      • Employers' Liability
      • Professional Indemnity
      • Income Protection
      • Share Protection
      • Directors' & Staff Benefits
    • Wealth Management
      • Introduction to Wealth Management
      • Relationship Management
      • Lasting Power of Attorney
      • Trust Information
      • Wills
    • Mortgages
      • Introduction to Mortgages
      • Mortgage Repayment
      • First Time Buyer
      • Remortgaging
      • Standard Variable Rate Mortgages
      • Fixed Rate Mortgages
      • Tracker Mortgages
      • Cashback Mortgages
      • Offset Mortgages
      • Second Charge Mortgages
      • Buy to Let
      • Self Build Mortgages
    • Life Assurance
      • Introduction to Life Assurance
      • Level Term
      • Increasing Term
      • Decreasing Term
      • Renewable Term
      • Family Income Benefit
    • Health Insurance
      • Introduction to Health Insurance
      • Private Medical
      • Critical Illness
      • Income Protection
    • General Insurance
      • Introduction to General Insurance
      • Household
      • Shops & Commercial
      • Holiday Insurance
      • Motor
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      • Marine
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    • Equity Release
      • Introduction to Equity Release
      • Types of Equity Release
      • Lifetime Mortgage
      • Drawdown Lifetime Mortgage
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      • Home Reversion Plan
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      • Occupational
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      • National Employment Savings Trust (NEST)
      • SSAS
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      • Executive Pension Plan
    • Savings & Investments
      • Introduction to Savings & Investments
      • Unit Trusts
      • Collectives
      • Equities
      • With-profits
      • Fixed Interest Investments
      • Capital Investment Bonds
      • National Savings Products
      • ISAs
      • Junior ISAs
      • OEICs
      • Investment Trusts
      • Offshore Collectives
    • Taxation
      • Introduction to Taxation
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      • Inheritance Tax
  • Online Services
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Give us a call on 033 33 447 300 or drop us a message

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Capital Investment Bonds

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

Capital Investment bonds are designed to give capital growth and/or income over the medium to long term with access to your money by taking regular or one off withdrawals. Most bonds are designed for investment over at least five years. If you cash in your investment before that time, you are likely to be charged an early-surrender penalty.

Bonds are set up through insurance companies without the need for a check on your health status and normally people of any age can hold a bond. Bonds can be opened onshore (within the UK) or offshore (usually in the Isle of Man or the Channel Islands) to take advantage of tax concessions. The decision will depend on your personal tax situation.

There are no maximum limits to invest, but barriers to entry can start higher than other investments, with a £10,000 entry point being not untypical.

Drawing down income from a capital investment bond can be an option, though obviously any income drawn down will deplete the original capital. You may be able, depending on the policy, to make additional payments to the bond at any time, as well as one-off withdrawals. With a capital investment bond an investor could make a profit from any stock market upturn and in some bonds their capital can be protected should stock markets fall but this protection comes at a cost.

Capital investment bonds have management charges and these vary greatly. They are usually levied as an annual fund charge or even as an initial charge and early encashment charge.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

INVESTMENT ENQUIRY FORM

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THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

Capital Investment bonds are designed to give capital growth and/or income over the medium to long term with access to your money by taking regular or one off withdrawals. Most bonds are designed for investment over at least five years. If you cash in your investment before that time, you are likely to be charged an early-surrender penalty.

Bonds are set up through insurance companies without the need for a check on your health status and normally people of any age can hold a bond. Bonds can be opened onshore (within the UK) or offshore (usually in the Isle of Man or the Channel Islands) to take advantage of tax concessions. The decision will depend on your personal tax situation.

There are no maximum limits to invest, but barriers to entry can start higher than other investments, with a £10,000 entry point being not untypical.

Drawing down income from a capital investment bond can be an option, though obviously any income drawn down will deplete the original capital. You may be able, depending on the policy, to make additional payments to the bond at any time, as well as one-off withdrawals. With a capital investment bond an investor could make a profit from any stock market upturn and in some bonds their capital can be protected should stock markets fall but this protection comes at a cost.

Capital investment bonds have management charges and these vary greatly. They are usually levied as an annual fund charge or even as an initial charge and early encashment charge.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

INVESTMENT ENQUIRY FORM

Your Address

Investment Information

Marketing Information

Submit your Information

From time to time, we would like to contact you with details about our services, products, business updates and events. If you consent to us contacting you for this purpose please tick to say how you would like us to contact you:

Email
Telephone
Post
Yes please, I'd like to hear about offers and services.
No thanks, I don't want to hear about offers and services.
I have understood and read the privacy policy.

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