Maturity investment options uk

Maturity investment options uk

By: pooqle.com Date: 03.06.2017

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Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. Some investment bonds run for a fixed term, others have no set investment term. When you cash investment bonds in, how much you get back depends on how well — or how badly — the investment has done. You have a choice of two types of funds — with-profits or unit-linked. Both have the same tax rules where tax is paid on both growth and income accrued in the fund by the insurer.

Insurers often offer a range of charging structures. Make sure you are happy and understand how your money will be charged. However, your tax bill does not disappear entirely.

Instead, the tax is deferred and any additional tax due will be payable at the time you cash in the bond, or when it matures. All capital gains are treated as income at this point. Top slicing works by dividing your profit over the lifetime of your bond including withdrawals by the number of years the bond has been held. If the resulting figure, when added to your other income for the tax year, is below the higher-rate tax threshold, there is no extra tax to pay.

maturity investment options uk

However, if the top-sliced profits still push you over the higher rate tax threshold for the year, then additional tax must be paid on the entire gain. Investment Bonds are also known as Insurance Bonds, With-profit Bonds, Unit-linked Bonds and Single Premium Bonds.

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Investment bonds Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. When might investment bonds be for you? How investment bonds work Risk and return Access to your money Charges Are investment bonds safe and secure? Tax on investment bonds Where to get investment bonds If things go wrong When might investment bonds be for you?

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maturity investment options uk

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maturity investment options uk

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