Investment Bonds

There are two type of Investment Bond, those marketed by UK based Life Offices and those marketed by Life Offices based in places or countries outside of the UK such as Jersey, Guernsey, Isle of Man, Dublin, Luxemburg and Gibraltar. These investments are suitable for:

• Individuals who have utilised their ISA allowance
• Prefer to make regular fund switches
• Individuals who may wish to time the surrender of the Bond in line with a period when income is likely to fall to below the higher rate threshold
• Gifting the Bond to other beneficiaries such as spouse, children and grandchildren
• Inheritance tax planning

Which Type of Investment Bond is right for me?

Determining whether to invest in an onshore of offshore bond is largely down to your current and future tax position. For further details of the benefits and disadvantages of each type of bond click here.

How Do I Invest?

Step 1: Complete the appropriate Investment Questionnaire depending on whether or not you wish to receive an income from your investments.

Step 2: We will check through your questionnaire, assign you a client number and email you links to the appropriate product application form(s) and compliance documentation.

Step 3: Upon receipt of your completed documentation and funds, we will invest your monies into the recommended products as per your stated risk profile.

Step 4: Once the policy is set up, we will provide our excellent ongoing support package. For more details, click here.

 

Why Invest with Heritage?

Heritage offer a great range of investment with market leading savings, excellent initial support and ongoing product management. Click here for further details.

The value of investments can go down in value as well as up. It is therefore important that you understand the risks and commitments. So you can make informed decisions yourself we aim to provide you with the best information, best service and best prices. If you are unsure about the suitability of an investment please contact us for advice.