This site is for financial advisers only, Click here for the consumer site.

Share
Print
Print Share

Onshore Collective Investment Bond (CIB)

The CIB is a single premium, unit linked bond. With access to over 1,600 funds with multiple share classes, a beneficial Product/Service Charge for multiple investments and client linking, it’s no surprise that the CIB has been consistently placed top for Defaqto comparisons against other providers’ unit-linked bonds.

The CIB allows your client to take tax-efficient withdrawals, whilst providing a small amount of life cover. It can be set up on a single life or joint life last death basis with up to 10 lives assured.
Other Benefits of the CIB include:

  • a structure of 1,000 life assurance policies, allowing withdrawals to be managed tax-efficiently, helping to mitigate chargeable events
  • access to a portfolio optimisation tools for onshore bonds
  • automatic rebalancing functionality, allowing the funds within the bond to be switched automatically at a frequency you choose
  • access to our outsourced investment solution, the WealthSelect Managed Portfolio Service, which offers both passive and growth portfolios optimised specifically for the onshore bond.

Financial Adviser Verification