Today’s challenging markets mean that investors need to look for smarter ways of leveraging their money, rather than relying on interest rates available on the high street. Expert advice and management is key to securing long-term returns and we can provide you with the first-class guidance you are looking for to secure your financial future.

[imageCaption]

What is right for you?

Bonds are traditionally seen as a safe investment: although their value can vary according to inflation and interest rates, they can provide investors with a regular income which incorporates a level of protection. Investment bonds are a good choice if:

  • You have a lump sum to invest (usually at least £5,000)
  • You are happy to tie up your money for at least five years
  • You understand that the value of investment can go down as well as up.
[imageCaption]

How do they work?

Most investment bonds last for a lifetime. Usually, there is no minimum term, although you may incur a penalty if you cash in early. Each year, you can withdraw up to 5% of the amount invested without paying any income or capital gains tax.

They are usually classed as a single premium life insurance policy because they payout upon death, but are also an investment product as they can grow in value over time.

At surrender, or on death, a lump sum will be paid out – the amount depends on the bond’s terms and conditions and on investment performance. Tax may be due on any capital gain made.

[imageCaption]

What do I get?

Investment bonds can be onshore or offshore: the main difference being their tax liabilities. Onshore bonds are subject to UK corporation tax; offshore bonds are usually issued from tax havens outside of the UK where little or no tax is charged on the funds until the money is brought back onshore.

When you invest in a bond, you are allocated a certain number of units in the funds you have selected. You can choose to invest in a range of funds. Each fund then invests in a range of assets – such as shares and property – and the price of your units will rise and fall in line with the value of these assets.

Investing in a diverse range of funds can be an advantage in weathering the storms of market fluctuations but different assets carry different risks which need to be taken into consideration. We will consider your attitude to risk and help you if you are not sure what type of investments would suit you best.

You can also put either an onshore or offshore bond into Trust to protect it for future generations.

[imageCaption]

How can we help you?

Whether you are looking to achieve capital growth over the medium to long term (saving for retirement or for future university fees) or aiming to generate a sustainable level of income, we can help you achieve your financial goals at the risk level you are happy with.

We pride ourselves on our global investment strategy: we have access to the entire market so we can select different providers, funds and fund managers to create a balanced and diverse portfolio. We are completely independent with no ties, which means the advice we give will always be best for you. We can provide advice on the funds to invest in.

We also offer online access to your portfolio, which means that you can see your accounts 24 hours a day, 7 days a week.

Secure long term returns for your investments, at a risk you're happy with.

Get email updates

Your details

By signing up you agree that we can process your information in accordance with our privacy policy.

© 2022

Macbeth Scott & Co Limited is authorised and regulated by the Financial Conduct Authority (FRN 303928). Registered in England and Wales Company No. 01058241 at 3 New Road, Kendal, Cumbria, LA9 4AY.

You can find Macbeth Scott & Co Limited on the FCA register at https://register.fca.org.uk/

close

Contact us

Send us a message and we'll get back to you as soon as possible.

Your Details

We will treat your personal information with respect and process it in accordance with our privacy policy.

Top
Accept Cookies