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  • Home
  • About Us
  • Services
    • Financial Planning
      • Introduction to Financial Planning
    • Mortgages
      • Introduction To Mortgages
      • Mortgage Repayment
      • 1st Time Buyer
      • Remortgaging
      • Standard Variable Rate
      • Fixed Rate
      • Tracker Mortgages
      • Cashback Mortgages
      • Offset Mortgages
      • Buy to Let
      • Self Build
    • Pensions
      • Introduction to Pensions
      • National Employment Savings Trust (NEST)
      • Occupational Pensions / Auto Enrolment
      • SSAS
      • SIPP
      • Executive Pension Plan
      • State Pension
      • Annuities
      • Stakeholder
      • Personal
    • Taxation
      • Introduction to Taxation
      • Capital Gains Tax
      • Income Tax
      • Inheritance Tax
    • Savings & Investments
      • Introduction to Savings & Investments
      • Unit Trusts
      • Collectives
      • With-profits
      • Fixed Interest Investments
      • Capital Investment Bonds
      • National Savings Products
      • ISAs
      • Junior ISAs
      • OEICs
      • Investment Trusts
      • Offshore Collectives
    • Life Assurance
      • Introduction to Life Assurance
      • Investment Linked
      • Family Income Benefit
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      • Introduction to Health Insurance
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Give us a call on 01304 832722 or drop us a message

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Capital Investment Bonds

Capital Investment bonds are life insurance contracts used for the purposes of investment. They are designed to give capital growth and/or income over the medium to long term with access to your money by taking regular or one-off withdrawals. Most bonds are designed for investment over at least five years. If you cash in your investment before that time, you are likely to be charged an early surrender penalty.

Bonds are set up through insurance companies without the need for a check on your health status and normally people of any age can hold a bond. Bonds can be opened onshore (within the UK) or offshore (usually in the Isle of Man or the Channel Islands) to take advantage of tax concessions. The decision will depend on your personal tax situation.

Most bonds have no upper limit on how much you can invest, but barriers to entry can start higher than other investments, with a £10,000 minimum contribution being typical.

Drawing down income from a capital investment bond can be an option, though any income drawn down will deplete the original capital. You may be able, depending on the policy, to make additional payments to the bond at any time, as well as one-off withdrawals.

Capital investment bonds have management charges and these vary greatly. They are usually levied as an annual fund charge or even as an initial charge and early encashment charge.

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE .

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE ON SOME CAPITAL INVESTMENTS BONDS.

Capital Investment bonds are life insurance contracts used for the purposes of investment. They are designed to give capital growth and/or income over the medium to long term with access to your money by taking regular or one-off withdrawals. Most bonds are designed for investment over at least five years. If you cash in your investment before that time, you are likely to be charged an early surrender penalty.

Bonds are set up through insurance companies without the need for a check on your health status and normally people of any age can hold a bond. Bonds can be opened onshore (within the UK) or offshore (usually in the Isle of Man or the Channel Islands) to take advantage of tax concessions. The decision will depend on your personal tax situation.

Most bonds have no upper limit on how much you can invest, but barriers to entry can start higher than other investments, with a £10,000 minimum contribution being typical.

Drawing down income from a capital investment bond can be an option, though any income drawn down will deplete the original capital. You may be able, depending on the policy, to make additional payments to the bond at any time, as well as one-off withdrawals.

Capital investment bonds have management charges and these vary greatly. They are usually levied as an annual fund charge or even as an initial charge and early encashment charge.

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE .

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE ON SOME CAPITAL INVESTMENTS BONDS.

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Registered Office: Lancaster-Hill Investment Management, The Paddocks, Meadow View Road, Shepherdswell, Dover, Kent, CT15 7PL

Lancaster-Hill Investment Management is an appointed representative of 2plan Wealth Management Ltd, which is authorised and regulated by the Financial Conduct Authority. Lancaster-Hill Investment Management is entered on the FCA register (www.FCA.org.uk) under reference number 181211.

Registered office: The Paddocks, Meadow View Road, Shepherdswell, Dover, Kent, CT15 7PL, United Kingdom

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Partners: Michael Hillary and Joanne Hillary

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