Investment Bonds

Portfolio from Aviva is an investment bond that allows you to invest a single lump sum into a range of different funds. It's intended as a long-term investment with the potential to benefit from stock market growth. But remember, your investment can go down as well as up and you may get back less than you originally invested. Here are some guidelines to help you decide whether this type of investment may be right for you.

Are you eligible for Portfolio?

Portfolio can be taken out by one or two people aged 12 or over. For anyone aged between 12 and 15, we'll need the signature of a parent or guardian. There must be one or two lives assured on the bond - these are the people covered by the bond's death benefit.

Regardless of whether there are one or two lives assured, a maximum age of 89 applies at the start of the bond. However, for policies where two lives are assured the age limit will be dependant on whether the death benefit is payable on the first or second death. For more information around eligibility for Portfolio, please read our Key Features brochure (PDF 120KB) and Information pack (PDF 929KB).

It may be the right investment for you if:

• You have at least £5,000 to invest over the long term and you've used up your ISA allowance for this tax year.
• You won't need to access the money you invest for at least five years. If cashed in within the first five years, an early exit charge applies.
• You're a basic or higher rate income tax payer.
• You want to be able to choose from a wide range of investment funds with the potential for growth.
• You're prepared to accept some risk with your investment and accept that the value can go down as well as up and you may get back less than you originally invested.

It may NOT be the right investment for you if:

• You might need access to some of the money you're investing within five years.
• You don't want to take any risks with your investment.
• You don't pay income tax.
• You'd prefer the certainty of the interest earned from a bank or building society account.
• You want to be able to make regular payments to your investment.
• You need to clear debts

What's the next step?

If you think a bond is the right choice of investment for you, find out more about how to apply for Portfolio from Aviva. You may also want to talk it over with your financial adviser. If you don't have an adviser, you can find one in your area at www.unbiased.co.uk.

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WC02065 12/2011