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Bonds

Our range of award-winning investment bonds includes:

  • Skandia Investment Bond

  • Capital and Income Bond

  • Collective Investment Bond.

These bonds are vehicles to house all your unit-linked investments in a simple, tax-efficient manner.

All of Skandia's bonds are known as single premium unit-linked whole life bonds.

Unit-linked bonds are normally invested for the medium- to long-term, which means you should be intending to keep the bond for a minimum of five years. They can be used in isolation or in conjunction with other products, such as ISAs and pensions, to help you manage your investments in the best possible way.

Skandia’s bonds can only be purchased through a financial adviser.

What is a single premium unit-linked whole life bond?

    Single premium

  • you invest a lump sum of money into the bond

    Unit-linked

  • you have access to a vast selection of unit-linked funds, each linked to a variety of investments (for example equities, property, fixed interest, cash etc). For more information on unit-linked funds, select this link.
    Unit-linked funds are offered by life assurance companies as a way of making a range of investment opportunities available to their customers within an insurance product.

    Skandia's unit-linked funds invest on your behalf in a wide range of collective investment schemes, such as unit trust funds, and also directly into stocks and shares. These are known as 'underlying funds' or 'underlying assets'.

    We work out the value of your bond on a daily basis, based on the total number of units you have in each unit-linked fund. If the value of the underlying fund rises or falls, so will the value of Skandia's unit-linked funds and your bond.

    The charges and tax applied to unit-linked funds are different from those applied to the underlying funds, meaning that the prices quoted in the press will differ.

    In spite of these differences the amount you get back is directly linked to the performance of the underlying funds in which Skandia has invested your money.

    • Whole life

  • you benefit from a small amount of life cover.

Unit-linked bonds allow you to take regular, tax-deferred withdrawals and, when used in association with a trust, bonds can help to reduce your inheritance tax (IHT) liability.

We have two award-winning bond ranges available through each of our investment routes:

 

     
Adviser Extranet.
UK Client Extranet.
Swedish Client Extranet.

what does it take to be a 5 star provider?

Skandia has three of only six Defaqto 5 Star rated onshore bonds in the market

and more Financial Adviser 5 Star Service Awards than any other provider

Find out more about Skandia's top quality onshore bond range

Download this month's fund ranges brochure.
Check today's fund prices and the latest performance and factsheets