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Our Collective Investment Bond

Our investment bond is simple, flexible and gives you and your financial adviser a range of options to help you achieve your investment goals.

The Collective Investment Bond (CIB) has been designed as a medium- to long-term investment, which you can take regular tax-efficient withdrawals from if you need to.

Features and benefits

  • The CIB can be opened by a single investor, joint investors, a company or a trust.
  • It provides access to over 2,600 funds to potentially grow your money.
  • It includes an element of life cover, which can be boosted by choosing our Capital Protected Death Benefit.
  • You can take income on any day from 1st to 28th of the month.
  • Withdrawals of up to 5% can be taken from the bond, for up to 20 years, potentially without creating an immediate tax liability.
  • The bond gives you a range of additional options that can be used with our suit of trusts to help you and your adviser reduce the impact of inheritance tax.

The Collective Investment Bond could be suitable for customers who:

The Collective Investment Bond might not be suitable for customers who:

Next steps

Because we believe in the value of financial advice, all of our products are only available via a financial adviser.

Contact your financial adviser to discuss how this could be the right product for you.

Don't have a financial adviser?

Our 'find an adviser' tool will help locate a suitable expert for your needs.