Investment Bond

Long-term investment bonds with the option of penalty free, annual withdrawals.

Looking for a medium to long-term investment? Our Investment Bond allows you to invest a lump sum into our expertly-managed With Profits fund that invests in shares, property, bonds and cash, and allows for 5% penalty free annual withdrawals should you need it. 

Money back Guarantee
On the 10th anniversary of the Investment Bond or each subsequent 10th anniversary, we guarantee you will be able to withdraw all money paid into the Bond as well as all bonuses added.

Key features

  • For investors of all sizes - invest between £1,000 and £250,000 per year.
  • Money back Guarantee - receive 101% of the initial investment, plus any bonuses on the 10th anniversary, or each subsequent 10th anniversary.
  • Penalty-free withdrawals - up to 5% of the initial investment per year can be withdrawn without tax liability.
  • Joint option - the Bond can also be held on a joint life basis.

At Kingston Unity, we combine a forward-thinking service with our member first values in order to provide you with a long lasting financial relationship while making the most of your lump sum investment.

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Other Important Information

Tax liability
Under current legislation, any gains, including any 5% partial withdrawals, from this Investment Bond will be chargeable for tax on its closure. Tax should only be payable if when you withdraw this Bond you are in a higher tax band or if the proceeds push you into a higher tax band. Basic Tax has already been paid on this fund.

If you withdraw more than 5% in one year that will trigger a chargeable event, for that year, for tax purposes.

Tax legislation may change in the future. If you’re in any doubt, please take advice from a professional tax advisor – you may be charged for this advice.

Please read all the available information before you apply for our Investment Bond.

Request An Investment Bond Application Pack From Us

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.