The Winterthur Investment Bond

The Winterthur Investment Bond offers your clients choice and flexibility so they can tailor it to their specific needs and adapt it as their circumstances change.

What is the Investment Bond?

  • It is a single premium investment bond designed for investing your clients money over the medium to long term (at least 5 to 10 years).
  • The Bond may be a tax effective way of investing, depending on your clients individual circumstances.
  • Your client can hold a variety of investment funds within your clients Bond, which can help to spread investment risk.

What is special about our Investment Bond?

Real flexibility – our Bond is designed so your client can adapt it as their needs and objectives change. Your client can allocate segments of their Bond to each of their investment goals and manage them separately.

Investment choice – access to over 180 carefully selected funds from our Tailored Selection and 12 funds from our Elite Fund of Funds Range, expertly constructed by our Investment Manager.

Transparent charges – with free fund switches, top-ups, withdrawals and no exit penalties, we do not tie your clients in and they can see exactly what they are getting for their money.

Your clients will pay Fund Management Charges and Fund Expenses depending on the fund choices they make. Flexible Adviser Remuneration means that they can agree with you how you wish to be paid for your advice.

Complementary trust range – our Bond offers a comprehensive range of trusts to assist with inheritance tax planning.

What should you bear in mind?

Before making any decisions your client should consider the points below, along with their individual circumstances:

Investing – all investments carry varying degrees of risk. When deciding where to invest your client should bear in mind that:

  • the value of funds may go down as well as up,
  • fund values are not guaranteed, and
  • they may not get back the full amount invested.

Tax – this is a complex area and both your clients personal circumstances and the way they Investment Bond is managed can affect its tax effectiveness.

Please be aware that tax and legislation are likely to change in the future. The information contained on this page is based on our understanding of current law and HM Revenue & Customs practice.

The value of any tax benefits will depend on your personal circumstances.

Want to know more?

For more information please log in to our dedicated Winterthur Adviser Extranet or talk to your Business Development Manager. You could also take a look at our product key features and product literature which is available on request.