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A new horizon for your wealth
The Pharos Bond provides a tax efficient home for investments and helps to achieve optimum capital growth, giving access to an extensive range of top performing external funds from leading international fund managers. This multi-manager policy caters for investors seeking:
- A medium to long-term investment,
- A substantial capital growth,
- A reduction in the tax burden,
- A simple way to monitor the investment’s performance
Pharos in brief- Simplicity
- Flexibility
- Capital growth potential
- Tax efficiency
- A range of quality funds
- No surrender fees
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| Key features |  |
| Legal form | - Capital redemption bond |
Policy term | - 99 years |
| Currency | - £, US$, € and Sfr |
Minimum premium | - Initial £5,000
- Additional: £2,000 |
| Types of fund available as underlying assets | - Money-market funds
- Bond funds
- Equity funds
- Mixed funds
- Profiled funds
- Protected capital funds
- Absolute Return funds |
Switches between the funds | - Possible at any time
- No charge |
Regular withdrawals | - Available monthly, quarterly, half-yearly or yearly in arrears
- Subject to a minimum of £500 per payment |
| Partial or total surrender | - Possible at any time - there is no penalty nor surrender charge. |
| Death and maturity benefits |
On maturity(after 99 years):
Private Estate Life will pay an amount equal to twice the value of the original investment, plus an appropriate multiple of subsequent additional lump sum investments, reduced appropriately to allow for any partial surrenders, less the amount of any outstanding charges at this date.
In the event of death:
The Pharos Bond does not automatically end on death of the policy holder: it may be surrendered at the discretion of the legal heirs or the trustee(s).
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