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Collective Investment Bond.

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in a unit-linked bond?.

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	Bonds Our range of investment bonds currently includes: Collective Investment Bond (CIB). The CIB requires a payment of a single initial sum, which is used to buy units in the funds you have chosen. It is known as a single premium unit-linked whole life bond. 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. The assets of the unit-linked funds will be subject to life assurance company taxation which will affect investment growth. Trusts can be used to help with IHT planning and bonds can be held in trust. Find more information on: Collective Investment Bond through Skandia MultiFUNDS Assurance Limited, available via our Skandia Investment Solutions platform.	Printer friendly version. Glossary. Our online services Adviser site. UK Client. Swedish Client. Download this month's fund ranges brochure. Check today's fund prices and the latest performance and factsheets
	Information on this website is not intended for Hong Kong residents. Information on this website about Skandia Group Companies is intended for UK residents only, unless it relates to Royal Skandia, Skandia Life Norge or Suomen Sivuliike. Skandia Group companies do not offer investment advice and no information on this website should be construed as such. Calls may be monitored and recorded for training purposes and to avoid misunderstandings.	©2008–2010 Skandia Legal and regulatory information (including product legal information)