Flexible Guarantee Bond
A single premium unitised with-profits whole of life investment, with an option to buy a five year capital guarantee at any time.
The Flexible Guarantee Bond gives your clients the option to protect their investment and their growth. And, as the name suggests, the flexibility clients need for a longer term investment.
This bond is designed for clients who are happy to invest a lump sum for at least five years and ideally 10 years or longer.
Main features
- a choice of three fund options
- a five year capital guarantee option for bonds in our cautious fund or balanced fund to protect and lock in growth
- switching capability for evolving investment needs
- averaging, to protect your client from the ups and downs of short term market movements
- option to take ad hoc or regular withdrawals
- withdrawals of up to 5% of the original investment each year without an exit penalty (any unused amount each year can be rolled forward for later years)
- option to write the bond in trust as part of an IHT planning strategy
- the investment expertise from a team of investment professionals
- potential for additional mutual bonus to be added to the value of the bond
Important things you should know
This is a stock market investment so your client isn't certain to make a profit and may get back less than they invested. If your client buys a guarantee, on the fifth anniversary of the date the guarantee started, we guarantee that the value of their Bond will be at least the value on the date the guarantee started, less any money they've taken out since then.
Early encashment charges apply if your client cashes in all or part of the investment in the first five years. These charges are explained in the bond conditions.
If your client takes money out of their bond, this will eat into the original investment if it is more than the growth on their bond.
To invest in the Flexible Guarantee Bond your client must invest £5,000 or more, be aged 17 to 89 and be a UK resident.
Call Us For A Quote
0800 0234 173
Lines open: 9am-5pm, Mon to Fri.
For textphone, dial 18001 first.
We may record and/or monitor your calls for training and audit purposes.
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