

Investment bonds are provided by life insurance companies. They are flexible and can be used to produce capital growth or to generate an income and the minimum investment is typically £5,000 or £10,000.
When you buy a bond you will be allocated a certain number of units in the fund(s) of your choice. The value of your capital will normally rise and fall in line with the value of these units. They also include an element of life insurance, typically an extra 1 per cent.
Competitive charges - typically 1 - 1.5% annual management charge
All investment returns are determined by performance, marketing conditions and overall economic factors which may not be repeated in the future. Therefore, past performance is not necessarily a guide to future returns.

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