Sterling Investment Bond | Zurich

Sterling Investment Bond

The Sterling Investment Bond is sold under our Sterling brand and provided by Zurich Assurance Ltd.

Invest a lump sum for growth, income or both

  • to save for the medium to long-term (usually longer than 5 years) for example a house deposit, retirement

  • get access to your money at any time

  • take a regular income

  • potential growth by taking some risk with your money

  • invest in different types of funds

  • plan for inheritance tax

  • get some life cover to make sure your loved ones receive money when you die.

It might not be right for you if you...

  • haven't used up your yearly ISA allowance - you should consider saving in an ISA before investing in a Bond

  • want to take no risk with your money - the value is not guaranteed as it may go down and you may get back less than you pay in

  • want to save tax-free

For risks and benefits download and read the key facts

  • Things to think about
    • Investing in stocks and shares offers the chance of greater returns than cash but it also carries more risks. Your investments can fall in value and you may get back less than you invest.

    • Charges and fees apply to the management of your investments and for certain transactions. These can affect the return you may get.

    • We may apply an early cash-in charge if you make a one-off withdrawal or close your investment bond within five years of making a payment.
  • Who can invest?
    • You can take out an investment bond in your own name, jointly for you and someone else, or as a trustee for someone else.

    • One life insured must be aged 79 or less at the start of your investment bond (this applies to the younger life insured for joint life bonds).
  • How to apply

    You can apply through a financial adviser who will advise you whether this is right for you. Bear in mind, you will have to pay for the advice you receive.


Who provides the Sterling Investment Bond?

The Sterling Investment Bond is provided by Sterling. Sterling is a trading of Zurich Assurance Ltd.

Compare our saving and investment plans

Get a snapshot of the features available on our savings and investment plans

All of these products are only available through a financial adviser.

​Features Zurich Cash ISA Zurich Stocks and Shares ISA Zurich Investment Account Sterling Investment Bond
  Plan details Plan details Plan details Plan details
Suitable for short term saving (less than five years) Yes No No No
Suitable for medium to long term investment (5 years or more) No Yes Yes Yes
Gives access to your money  Yes Yes Yes Yes
No yearly limits on amounts you pay in No No Yes Yes
Offers the choice to invest in different asset types No Yes  Yes  Yes
No tax applied to growth Yes Yes No No
No tax applied to income Yes Yes No No
Available through Zurich Portfolio Yes Yes Yes No
Zurich Investment Life Cover available (accessed through Zurich Portfolio) No Yes Yes No

Find out more about the Zurich Portfolio and Zurich Investment Life Cover.

Tax information is based on 2015/16 tax rules which may change in the future and depends on your individual circumstances.

Find a financial adviser

We can't give you advice but we can help you find a financial adviser and give you some hints on how to prepare for your first visit.

 

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If you don't currently have a financial adviser, you can find one near you at: unbiased.co.uk


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Or you can read reviews of financial advisers at: vouchedfor.co.uk


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