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DISCOUNTED INVESTMENT BONDS

WITH SEYMOUR SINCLAIR

gold-egg

An investment bond is generally a single premium life insurance policy. They have a small element of life insurance that is paid out after your death. However, it is an investment rather than insurance in the general sense.

An insurance company will take the premium and invest it for income and or capital gains which accrue until a policyholder withdraws money from the policy. As a policyholder does not receive income from the policy, personal income tax is deferred until certain events occur and the insurance company calculates any gain on a bond. As a result, an investment bond is a potentially tax-efficient way of holding a range of investment funds in one place.

Benefits of an Investment Bond

  • Offers diversity to your investments
  • Tax Benefits
  • 5% p.a. tax deferred income option.
  • Flexible monthly, quarterly or annual withdrawals
  • Only 0.50% initial fee payable to Seymour Sinclair Investments

Seymour Sinclair Investments offers a wide choice of Investment Bonds from the leading product providers. If you would like a product that is not listed please contact us at admin@seymoursinclair.co.uk

Investment CompanyProduct - Prospectus & Key Features FeeApplication Forms
Aviva Select Investment Bond0.5%Investment Bond Application
healthy_investmentHealthy Investment Bond0.5%Application Form
CanInvest Select AccountN/ASelect Account Application
Prudential Investment Plan0.5%Investment Plan Application
lveLV Guaranteed Flexible BondSeries 20.5%Application Form
Scottish Widows Investment Bond0.5%Investment Bond Application Form
Standard LifeStandard Life With Profits Bond0.5%With Profit Bond Application
Standard Life Tailored Investment Bond0.5%Standard Life Tailored Investment Bond Application Forms

HOW DO I INVEST

Simply print your chosen Investment Bond Application Form from the list above and complete together with our Appropriateness Questionnaire (below). Please send your completed forms to our Freepost address:

Freepost RTUS-RXEY-BJSJ
Seymour Sinclair Investments Limited
2 Blade Mews, London SW15 2NF

 

Appropriateness Questionnaire  –  (Please click here to complete and return with your application form)

How does an investment bond work?

You can usually buy investment bonds from life insurance companies and they can be a good way of allowing you to invest in a mixture of investment funds that are managed by professional investment managers.

Each bond is usually designed to provide benefits for different types of investors but a common element is that they aim to produce long term capital growth and/or generate a long-term return.

The value of your investment in a bond can fluctuate and you may not get back the full amount of your original investment.

Early cash-in charges may apply on some investment bonds.

There are often minimum investment levels that may range from £1,000 upwards and can typically be set at £10,000.

When you invest in a bond you will be allocated a certain number of units in the funds of your choice or those set out by the conditions of the bond.

Each fund will invest in a range of assets and the price of your units will normally rise and fall in line with the value of these assets.

What are the main benefits of an investment bond?

Throughout life, financial objectives will change, therefore you will need an investment bond that can adapt to their changing needs. Investment Bonds puts the investor in control, whether their objective is to create, grow, distribute or protect wealth.

  • Regular withdrawals can be taken, usually 5% per annum tax deferred for 20 years.
  • You can choose to invest in a range of funds, you can choose a portfolio, or you can choose a mixture of both.
  • You can usually switch between funds within your bond.
  • Tax planning benefits.

This is based on our current understanding as at March 2014 of current tax legislation and HM Revenue & Customs practice, both of which may change without notice. The amount of tax relief actually received will depend on your individual circumstances.

Some other key features of Investment Bonds are:

  • Potential for capital growth and tax-deferred cash withdrawals to supplement income.
  • Simple, clear and transparent charging structures.
  • A wide range of investment opportunities available managed by the life company’s internal investment team and a number of external fund management companies.
  • Free switching and phased investment facility available.
  • Loyalty bonuses paid for those investors who hold the investment for the longer-term.
  • A range of trusts for you to use as part of an estate planning exercise. A bond can be placed into a gift trust at any time and trustees can set-up a bond under our gift and loan trust. Bare and discretionary versions are available.
  • The ability to invest through a share exchange facility.
  • Up to four owners and four lives assured with the only age restriction being that a life assured is below 90 years of age at outset. For joint life first death, this must be the eldest life.

Companies that provide investment bonds:

  • AEGON
  • Aviva
  • Aegon SE
  • AXA Sun Life
  • Canada Life
  • Clerical Medical
  • Friends Provident
  • Legal & General
  • Liverpool Victoria
  • Prudential
  • Scottish Life
  • Standard Life
  • Sterling

 

All investment bonds are offered on a non-advice basis with a discount off the normal fee. Please read our terms of business before investing. If you are unsure about whether an investment is right for you please seek independent financial advice before investing.

Investment bonds are offered with a fee of to us of just 0.5% of the invested amount. This can either be paid separately or deducted from your investment.

Risk Warning:  As with any investment, the value of investment bonds can fall as well as rise. You might make more than you would from a savings account, but you could also lose some of your money.  Some investment bonds guarantee that you won’t get back less than you originally invested, but this type of bond will cost you more in charges.

IMPORTANT INFORMATION:  Remember that the value of investments and the income from them can go down as well as up and that past performance is no guarantee of future returns.  Key Feature documents give full details of aims, risks and charges – these should be read before you invest.  Whilst we provide product information, guidance and fund research, we cannot know which of these products or funds, if any, are suitable for your particular requirements and must leave that judgement to you.  Tax treatment depends on your individual circumstances and may be subject to change in the future.  If you are unsure about the suitability of an investment, you should seek expert financial advice.

 receptionist

Here to help

If you require any product information or need help with your application we are waiting to take your call.

020 8870 7072

We’re here Monday to Friday, 9:30am to 5pm.