INVESTMENT BONDS

What are investment bonds?

Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. Some investment bonds run for a fixed term, others have no set investment term. When you cash investment bonds in, how much you get back depends on how well – or how badly – the investment has done.

Investment Bonds are long-term investment products which allow investors to spread risk and allow easy switching between funds as their needs change over time.

With low levels of interest being paid on bank and building society deposit accounts for some time now, many long-term investors are looking for a better return on their investments. They are also concerned that the income they receive will fail to keep pace with inflation.

The Palatine FP Investment Bond is one solution. It offers a simple yet flexible solution to income needs, capital growth and tax planning by offering access to a wide range of asset classes.

Why choose a Palatine FP Investment Bond?

  • Access Investment management services and fund management expertise, distinctive in the UK
  • Diversify investments and spread risk
  • Access a flexible range of options to take a regular, tax-efficient income
  • Freedom to switch funds easily as your needs change
  • Manage and potentially reduce your personal liability to tax
  • Minimal administration.

The value of an investment with Palatine FP will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

Equities do not provide the security of capital associated with a deposit account with a bank or building society.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.

Key Investor Information

You should be aware that an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you initially invested.

The favourable tax treatment given to Junior ISA is subject to changes in legislation and may not continue in the future.

What to expect

We help you get the most value out of our services by getting to know you and your situation and reviewing all of your options.

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Testimonials

I have known her as our family Financial Advisor for about 10 years. She has always put my interests first and given sound advice. I found her to be pleasant and trustworthy. Her service and support has always been an unbiased and exceptional. I get great pleasure in recommending her to anyone.
Thurairatnam Kathirgamakarthigeyan
Eye Surgeon
Andrea has been wonderful, and I feel confident in discussing my financial matters with her as I know she will treat my affairs confidentially. She has always been there whenever I needed - literally with a click of a button and the support, she provides is extraordinary. She has gone out of the way to help me on a few occasions. I will not hesitate to recommend her to anyone.
Sandy Shiralkar
Consultant Vascular Surgeon
Andrea has provided us with exceptional service and advice. We feel that Andrea has listened to what we want and need and has helped us to build a robust retirement plan. We would recommend Andrea to our friends and family.
Claire Richards
Manager

Get in touch

Phone: 01902 333333
Email: Andrea.cloughley@sjpp.co.uk
24 NEVERLAND WV5 2BS
MON-FRI 09:00 - 19:00, SAT-SUN 10:00 - 14:00