Capital Investment bonds 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. Bonds can be opened onshore (within the UK) or offshore to take advantage of tax concessions. The decision will depend on your personal tax situation.
There are no maximum limits to invest, but barriers to entry can start higher than other investments, with a £15,000 entry point being not untypical.
Drawing down income from a capital investment bond can be an option, though obviously any income drawn down will deplete the original capital if the amount withdrawn exceeds the capital growth of the bond. You may be able, depending on the policy, to make additional payments to the bond at any time, as well as one-off withdrawals. With a capital investment bond an investor could make a profit from stock market upturns.
Capital investment bonds have management charges and these vary. 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 FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED. TAX PLANNING ADVICE ISN’T REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
“Fantastic financial guidance again by John. His assistance has proved invaluable in our house move. The clerical support was also great and nothing was too much trouble.”
“As always, excellent service from John. Faultless and always on hand to answer all of our questions and address any concerns we had. Thank you.”
“Many thanks John! I’ve really appreciated your availability outside of normal working hours.”
“I would highly recommend JWC Financial Solutions. Extremely professional and very helpful. Willing to go the extra mile. Thank you!”
“Thank you John. Very helpful, compassionate and professional.”
“John has handled all of our most important financial matters over many years and is a trusted friend. He always gives the most appropriate advice to match each given situation rather than just what someone may wish to hear.”
“I found John to be very helpful and conducted himself in a very professional manner. I would recommend his services to other friends and family.”
“Excellent service, listened to our needs and swiftly found us an appropriate mortgage.”
“I feel John Connor listened to what I required, acted fairly and established a good level of trust between us.”
“Excellent service – dealt with all queries promptly and efficiently.”
“Thank you for the beautiful roses and card delivered by hand to our new home! It was a lovely surprise and welcome! You have been very patient too over a process that seemed thwart with difficulty throughout. Thank you for all you have done in arranging the mortgage. Very best wishes.”
"We remain eternally grateful for the very valuable, sound advice and help you gave to us during one of the most stressful and traumatic periods of our lives – when we had to help our son in his efforts to secure a home. We always keeping you mind and we always recommend you. We wish you every success."
"Many thanks for sorting us out. You’ve been great!"
"Thank you for all your help, guidance and expertise. You have been a real help guiding us through the unknown. We are very grateful."
"I met John Connor - IFA to discuss the purchase of a property and the various mortgage options available to us. John was incredibly knowledgeable of the products available, listened and understood our financial situation, and offered us simplified advice that we could understand in order to make relevant choices. John even advised us on planning for the future with policies that did not cost extra money but meant our property and assets were safe. John was always available and went the extra mile on several occasions.
"We have always found the service John provides to be reliable, honest and professional.
He is extremely conscientious, hardworking and we would highly recommend him."
"We have used Mr John Connor's services over many years to arrange both mortgages and insurances for all of our family.
We have found him to be honest, efficient and able to find the best products to our needs.
We will certainly use him again and would happily recommend him to anyone.
Regards,
Bryn Davies"
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JWC Financial Solutions
1 Hagley Mews
Hall Drive
Hagley
Worcestershire
DY9 9LQ
T: 08435 070097, 07730 070097 or 01384 660097
Email Us
Registered Office: Hartle Croft, 20 Hartle Lane, Belbroughton, Worcestershire, DY9 9TJ
Registration Number: 08317734
Registered in England
JWC Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority. JWC Financial Solutions Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 649801.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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