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The valuable features of your bond.
As a with profits customer, you should consider the following when:
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Switching investments
- The value of your plan may be subject to the application of a market value reduction. For more information, see our Understanding Market Value Reductions (PDF: 292KB) factsheet.
- If your bond has a guaranteed minimum annual growth rate (Contractual Annual Interest / Contractual Minimum Addition) you may get a lower investment growth rate from the fund that you switch into. Contractual Annual Interest is available on plans taken out between 13 February 1989 and 3 June 1993 inclusive. Contractual Minimum Addition is available on plans taken out between 1 January 1995 and 27 July 1997 inclusive. You can see if a contractual addition applies to your bond by checking your annual bonus statement.
- You may be giving up valuable guarantees.
Cashing in your bond
- The value of your plan may be subject to the application of a market value reduction. For more information, see our Understanding Market Value Reductions (PDF: 292KB) factsheet.
- Some of our bonds have a guaranteed minimum amount by which they’ll grow each year, called a contractual addition. The amount depends on the year in which we received your investment. If you cash in your bond you’ll lose this guaranteed growth amount. Contractual Annual Interest is available on plans taken out between 13 February 1989 and 3 June 1993 inclusive. Contractual Minimum Addition is available on plans taken out between 1 January 1995 and 27 July 1997 inclusive. You can see if a contractual addition applies to your bond by checking your annual bonus statement.
- You may be liable for tax.
- You may be giving up valuable guarantees.
There are other things you should consider in addition to the above.
An early surrender charge may apply if you cash in all or part of your bond. Details can be found in your policy documentation.
If you need help understanding any of this information, please speak to your adviser.
If you want to contact us, please give us a call.
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