Investments : Investment Bonds

Single premium life assurance contracts, so called Investment Bonds, have been popular for a very long time. These give some shelter from taxation for higher rate tax-payers, on investment growth within them.

There is now a huge number of Bonds with good track records and favourable charging structures. There are a number of reasons to choose a Bond for your investment, tax deferral being only one of them.

The Investment Bonds offer

A wide range of investment funds, ranging from the Safety Funds to the more speculative
Good capital growth
A steady tax-efficient income
Financial security in retirement
Financial flexibility.

A number of these Bonds have also been engineered to provide Inheritance Tax advantages.

Equities are generally a higher return investment compared to other classes of assets over the long term. But you need to be aware of the following risks:

The capital value of units purchased through these plans, and the income which they can produce, can fall as well as rise depending on Stock Market conditions and the demand for the security on the open market.
Investments for equities should be considered for the medium to long term, as if you encash the investment in the early years or at a time when the markets have moved against you, you may get back less than you originally invested.
Past performance is no guarantee of future returns and independent advice should be sought as to the best investment route for your personal circumstances.

Charlwood Leigh Limited
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