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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.
Enjoy lower investment charges for you and your family
Speak to your adviser about how our Family Linking benefit can reduce the cost of investing for you and your family members when you all invest with Quilter.
The Collective Investment Bond could be suitable for customers who:
- are aged 18 or over and must be able to invest a minimum of at least £10,000
- want to invest, individually or jointly, a minimum of £10,000 over the medium- to long-term in funds with the aim of potentially growing your money, subject to relevant taxes. While investing can help your money grow over time, it’s important to remember that the value of investments can go down as well as up.
- are a UK resident individual aged between 18 and 90, or a company or trust
- are using the bond as part your tax planning either because you have used up your other allowances or as part of inheritance tax (IHT) planning
- want the option of taking regular withdrawals
- want the option of protecting your capital using the ‘Capital Protected Death Benefit’
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.
Approver: Quilter May 2026