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A wealth management bond for the UK investor
Private Estate Life has developed what we feel is the best investment bond for investors looking for a medium to long-term investment with £25,000 or more available to invest. This multi-manager policy caters for investors seeking:
- A clear and competitive charging structure
- A range of quality funds
- A reduction in the tax burden
- A flexible investment bond
- Free switching
- Additional top-ups
- Regular income facilities
The Prime Investment Bond in brief- Substantial capital growth
- Wide range of funds
- Full flexibility
- Tax efficiency and planning
- Simplicity
- Possible integrated death cover
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| Key Features | |
| Legal form | - Capital redemption bond |
Policy term | - 99 years |
| Currency | - £, US$, € and Sfr |
| Minimum premium | - Initial £25,000
- Additional: £4,000 |
| 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
- Maximum of 12 surrenders per policy per year |
| Death and maturity benefits |
At maturity (after 99 years):
The amount paid is 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 Prime Investment 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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