Investment Bonds Allow you to invest in a variety of investment funds managed by professional investment managers. They are designed to produce long term capital growth, and can also be used to provide an income. Each fund will hold a portfolio of investments inline with your attitude to risk and the value of the bond will normally rise and fall in line with the value of these investments.

Fund Supermarkets Enable you to invest in funds from different product providers all in one place. Fund Supermarkets do not themselves manage your portfolio or any of the funds you have selected. Your portfolio or any of the funds you have selected. The fund management company for each fund you have chosen handles the day-to-day management of your investments. The supermarket provides you with a platform to use to enable you to benefit from a spread of investments in one place.

Individual Savings Account (ISA) Are tax efficient ways of saving on a regular basis or investing a lump sum. ISA’s can be made up of an investment in cash, or longer term investments like stocks and shares or insurance. Certain rules and investment amounts apply to ISA’s which we will be happy to supply on request. You are able to transfer ISA’s from one provider to another, thus potentially taking advantage of lower charges and a wider variety of investment funds.