An investment bond is a single premium life insurance policy that can hold numerous investment funds in one place. The attachment of life insurance means trust planning is available.

It is a long term financial commitment but has no fixed term.  It provides a way of investing in funds of different assets from property or stocks.

There are often minimum investment levels that may range from £1,000 upwards and can be a tax efficient method of investing, depending on your circumstance.

Withdrawing up to 5% of each investment every year can provide tax efficient income.

The offshore bond allows greater tax efficiency as the growth on the bond ‘rolls up gross’ creating greater gains and useful in some situations for ex-pats or higher rate tax payers who expect to become lower rate before encashment.

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