Skip to main content

  • Home
  • About Us
    • - Company History
    • - Our values
    • - Our Team
  • Our Services
    • - Financial Planning
    • - Savings & Investments
    • - Inheritance Tax Planning
    • - Pensions
    • - Business Protection
    • - Wealth Management
    • - Equity Release
    • - Long Term Care

    Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.

    You will almost certainly have goals of one kind or another and these have financial implications and leaving it to chance isn't an option.Read More

    When someone talks about savings and saving money, it could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts or term bonds.

    Investing is what you can do with the savings you have created - if you are looking to generate a greater return on your money than is available to you through your savings instruments.Read More

    No tax is popular but Inheritance Tax seems to provoke the most resentment.

    After all, having built your capital suffering tax at up to 45% your heirs will lose another 40%.

    The good news is this tax is designed to be avoided, provided you take action early. Government policy is to get capital moving down the generations so gifts made regularly from income or more than seven years before death are not taxed at all. Read More

    When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so you need to provide yourself with a secure income for the rest of your life.

    A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement.Read More

    Every business needs to protect itself. For most businesses the most valuable asset it has is its people. Without them, a company’s survival could be at serious risk.

    With that in mind we can help you take the right steps to protect your people and your business.


    Read More

    If you're over the age of 55, equity release offers you a way to use the value of your home to raise money which can be used for any purpose. Some examples might include to provide an additional income, for home improvements, to fund long term care or to provide lifetime gifts to relatives.


    Read More

    Needing long term care can be a difficult and worrying time, both for the person needing care and for family or legal representatives such as attorneys.

    Some people choose to go into a care home; others reach a point where there is no choice. However you reach this point, a deep financial understanding of the costs and resources with which to pay is essential.

    Read More

  • Useful Links
    • - Research
    • - My Portfolio
    • - Market Data
  • Client Portal
  • Weekly News
  • Privacy Policy
  • Contact Us
Menu
  • Home
  • About Us
    • Company History
    • Our values
    • Our Team
  • Our Services
    • Financial Planning
    • Savings & Investments
    • Inheritance Tax Planning
    • Pensions
    • Business Protection
    • Wealth Management
    • Equity Release
    • Long Term Care
  • Useful Links
    • Research
    • My Portfolio
    • Market Data
  • Client Portal
  • Weekly News
  • Privacy Policy
  • Contact Us
Related Topics
Home    Capital Investment Bonds
  • Unit Trusts
  • Collectives
  • Endowments
  • Equities
  • Fixed Interest Investments
  • Introduction to Savings & Investments
  • Investment Trusts
  • ISAs
  • Junior ISAs
  • National Savings Products
  • OEICs
  • Offshore Collectives

Capital Investment Bonds

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

Capital Investment bonds are life insurance contracts used for the purposes of investment. They are designed to give capital growth and/or income over the medium to long term with access to your money by taking regular or one-off withdrawals. Most bonds are designed for investment over at least five years. If you cash in your investment before that time, you are likely to be charged an early-surrender penalty.

Bonds are set up through insurance companies without the need for a check on your health status and normally people of any age can hold a bond. Bonds can be opened onshore (within the UK) or offshore (usually in the Isle of Man or the Channel Islands) to take advantage of tax concessions. The decision will depend on your personal tax situation.

Most bonds have no upper limit on how much you can invest, but barriers to entry can start higher than other investments, with a £10,000 minimum contribution being typical.

Drawing down income from a capital investment bond can be an option, though obviously any income drawn down will deplete the original capital. You may be able, depending on the policy, to make additional payments to the bond at any time, as well as one-off withdrawals.

Capital investment bonds have management charges and these vary greatly. They are usually levied as an annual fund charge or even as an initial charge and early encashment charge.

THE VALUE OF INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE. YOU MAY GET BACK LESS THAN YOU INVESTED.

TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

Capital Investment bonds are life insurance contracts used for the purposes of investment. They are designed to give capital growth and/or income over the medium to long term with access to your money by taking regular or one-off withdrawals. Most bonds are designed for investment over at least five years. If you cash in your investment before that time, you are likely to be charged an early-surrender penalty.

Bonds are set up through insurance companies without the need for a check on your health status and normally people of any age can hold a bond. Bonds can be opened onshore (within the UK) or offshore (usually in the Isle of Man or the Channel Islands) to take advantage of tax concessions. The decision will depend on your personal tax situation.

Most bonds have no upper limit on how much you can invest, but barriers to entry can start higher than other investments, with a £10,000 minimum contribution being typical.

Drawing down income from a capital investment bond can be an option, though obviously any income drawn down will deplete the original capital. You may be able, depending on the policy, to make additional payments to the bond at any time, as well as one-off withdrawals.

Capital investment bonds have management charges and these vary greatly. They are usually levied as an annual fund charge or even as an initial charge and early encashment charge.

Read less

Wealth Management

Long Term Care

Business Protection

QUICK LINKS

  • Home
  • About Us
  • Our Team
  • Testimonials
  • Research Links
  • Client Login
  • Privacy Policy
  • Contact Us

NEWSLETTER

CONTACT US

Square One Wealth Management LLP
Maple Barn
Beeches Farm Road
Shortbridge
Near Uckfield
TN22 5QD
T: 01273 921990
Email Us

The Financial Conduct Authority does not regulate Inheritance Tax Planning.

Square One Wealth Management LLP is an appointed representative of Quilter Financial Limited which is authorised and regulated by the Financial Conduct Authority. Quilter Financial Limited are entered on the FCA register (http://www.fca.org.uk/register) under reference 497604.

Square One Wealth Management LLP is registered in England and Wales, No. OC304412. Registered Office: Maple Barn, Beeches Farm Road, Shortgate, Near Uckfield, TN22 5QD.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

© Copyright 2021 - Adviser Pro - All Rights Reserved

Design and Developed by Adviser Pro © 2021