To increase the value of money you invest. To let you take the money out of the investment bond if you choose, either as one-off payments or as regular withdrawals.

To allow you to choose, with help from your adviser, from a range of funds to match your investment objectives and attitude to investment risk. To pay a cash lump sum when you die.

Your consideration:

• Consider your investment bond as a medium to long-term investment - you should be looking to invest for at least 5 to 10 years.
• This means you should make sure that you have some cash savings that you can use in an emergency.
• You should monitor the value of your investment.
• You should speak to your your adviser when your circumstances change.