- Helps you plan for the future, with potential for capital growth and income
- Medium to long term investment for lump sums of £7,500 or more
- Invest in a choice of funds, including Wesleyan's flagship With Profits Fund
- Can be used in combination with a trust to plan for your family’s future
How our Capital Investment Bond works
Bear in mind the value of investments and any income can go down as well as up and you may get back less than you invest.
Investment Team of the Year 2023
Our investments team was named Investment Team of the Year in 2023. When you invest with Wesleyan, you can be confident your money is in safe hands.
How you can invest in a Capital Investment Bond
The minimum initial investment into the Capital Investment Bond is £7,500. This can be topped up at anytime with further investments of £1,000 or more.
If you prefer to make smaller, regular payments, it might be worth looking at our Flexible Savings Plan, where you can build your investment with just £100 per month.
If you want to invest in a Capital Investment Bond, speak to a Specialist Financial Adviser from Wesleyan Financial Services. They will assess your finances and help you to decide if the product is right for you. If you choose to proceed, an initial advice charge will also apply.
Key details about the Capital Investment Bond
Holding your investment in trust
It’s worth noting that the Capital Investment Bond can be held in trust, to make sure your plan is treated the way you would wish when you die. This can help with estate management and inheritance tax planning. It can also be a way to control how and when your assets are used by beneficiaries. For example, if you plan to leave an investment behind for your children.
When you speak to a Specialist Financial Adviser, they will be able to provide more detail on how trusts work.
Please note that inheritance tax planning is not regulated by the Financial Conduct Authority (FCA).
Capital Investment Bond and life cover
When you invest in a Capital Investment Bond, you can choose to cover the life of one or two people. If the person(s) covered under the plan dies, we will pay out 101% of the plan's value.
If you choose to cover the life of two people, you can also decide whether you want the plan to pay out when one person dies, or when both do.
Are you eligible for a Capital Investment Bond?
You can take out a Capital Investment Bond if you're aged 18 or over and are a UK resident for tax purposes.
If you choose to cover the life of one person (or two people and you want the plan to pay out when one person dies), all the people covered need to be aged 79 or under when the plan starts.
If you choose to cover the lives of two people and you want the plan to pay out when both people die, only one of the people covered needs to be age 79 or under when the plan starts.
It’s worth noting that the Capital Investment Bond can be held in trust, to make sure your plan is treated the way you would wish when you die. This can help with estate management and inheritance tax planning. It can also be a way to control how and when your assets are used by beneficiaries. For example, if you plan to leave an investment behind for your children.
When you speak to a Specialist Financial Adviser, they will be able to provide more detail on how trusts work.
Please note that inheritance tax planning is not regulated by the Financial Conduct Authority (FCA).
When you invest in a Capital Investment Bond, you can choose to cover the life of one or two people. If the person(s) covered under the plan dies, we will pay out 101% of the plan's value.
If you choose to cover the life of two people, you can also decide whether you want the plan to pay out when one person dies, or when both do.
You can take out a Capital Investment Bond if you're aged 18 or over and are a UK resident for tax purposes.
If you choose to cover the life of one person (or two people and you want the plan to pay out when one person dies), all the people covered need to be aged 79 or under when the plan starts.
If you choose to cover the lives of two people and you want the plan to pay out when both people die, only one of the people covered needs to be age 79 or under when the plan starts.
What you need to know before investing
Initial Advice Charge
Where you receive advice from Wesleyan Financial Services, an Initial Advice Charge of 3% is deducted from each payment to pay for providing that advice.
Annual Management Charge
An Annual Management Charge (AMC) applies, the percentage of which depends on the fund or funds that you invest in. Find out more in the fund factsheets.
If you opt into Wesleyan Financial Services’ . If opted into the Ongoing Advice Service (OAS), the cost is 0.5% of your plan value each year. We may also charge you for switching between funds. The first switch each year is free.
Ongoing Charges
Some Wesleyan funds invest in the funds of third-party fund managers. For these, an Ongoing Charge Figure (OCF) is applied by these managers to cover their cost of managing the fund. These charges are disclosed on fund factsheets.
Key documents
Please read the following documents before applying. For details of the tax treatment of the Capital Investment Bond, refer to the Key Features Document:
- Key Features Document (PDF, 313KB)
- Plan Document including Terms and Conditions (PDF, 1.6MB)
- Key Information Documents