The Investment Bond

A Bond you can tailor to your needs and adapt as your circumstances change.

What is it?

• It is designed for investing a lump sum of at least £15,000 over the medium (at least five years) to long-term (over 10 years) and includes a small element of life assurance, also known as life cover.
• The Investment Bond is provided by AXA Wealth Limited which is part of the AXA Wealth proposition, and a member of the AXA Group.

Who can invest?

• Those aged 18 or over and resident in the UK at the start of the Bond.
• You can invest individually, jointly with someone else or as a Trustee.
• Those looking to access a wide range of funds, through a product that offers the flexibility to switch between funds and make withdrawals in a tax efficient manner.

What's special about our Bond?

• Our Bond offers a wide fund choice and flexibility, so you can tailor it with the aim of meeting your individual needs.
• Access to a broad range of investment funds through the Tailored Selection, AXA Family Fund Range and the Multi-Manager Range.
• Move and access your money easily. We currently impose no fund switching or early cash-in charges.
• Complementary range of Trusts to help with inheritance tax planning. 
• Allocate segments of your Bond for specific purposes and manage each segment independently. You can have different fund choices and withdrawals across the segments.

Before making any decisions please read the ‘What should you bear in mind?’ section below.

Charges

Charges are taken to pay for the cost of setting up and administering your Bond, professionally investing your money and an element of life assurance cover. Depending on which funds you select, there will also be fund expenses and management charges.

Your Financial Adviser may charge for advice and support.

Full details of the current charges payable can be found in the Investment Bond Fund List.

Access your Bond online

Take an active part in your investment by using our online services where you can view your Bond details.

What should you bear in mind?

Before making any decisions you should consider the points below:

• You need to be aware that the value of your initial, and any additional, investment could fall as well as rise and is not guaranteed. You could get back less than you invest, especially if you cash-in the Bond in the early years.
• You should be willing to invest for the medium (at least five years) to long term (over 10 years). It may not be suitable if you wish to invest for a short period of time or if you need easy access to your cash.
• The Bond can be a tax effective way of investing depending on your individual circumstances – your Financial Adviser will be able to help you determine whether it is right for you. 
• The information contained on this page is based on our interpretation of current law and HM Revenue & Customs practice, although tax legislation may change in the future.
• Taking regular withdrawals reduces the potential for capital growth and could cause your Bond to fall below the original investment amount, especially if taken in the early years.
• There are no early cash-in charges and switches are unlimited. However, we could refuse or delay switch requests, limit the number of switches, and impose a switch charge in the future. Full switching details are given in the Investment Bond Fund List and the Investment Bond Policy Provisions.

Find out more

Making choices about your investment options is an important decision and should not be made on the basis of this information alone. To find out more we recommend you speak with your Financial Adviser. If you do not have a Financial Adviser follow the link below to locate one near you.

Please note that Financial Advisers use a variety of different ways to charge you for their services and you will be liable for any charges incurred.

Further information

• Find a Financial Adviser
• Investment Bond Policy Provisions
• Investment Bond Fund List