Guaranteed selection bond options
Our guaranteed funds available through our investment bonds run for five years. So, when your investment reaches its fifth anniversary, you'll need to make a decision about what to do with the investment in the guaranteed fund. There are a number of options available which we will confirm to you in writing three months before the fifth anniversary date.
Your guarantee date
Your guarantee date is when we apply your money-back guarantee. It’s the fifth anniversary of the date you moved into a guaranteed fund. If you take your money out of a guaranteed fund at any other time, the guarantee won't apply so you may not get back what you paid in.
Please note if you invest in the Guaranteed 90 Fund, only 90% of your investment is guaranteed at the fifth anniversary, so you may get back less than you paid in.
You could choose to switch it to another guaranteed fund or to or to our other investment funds. Alternatively, you can choose to take some or all of your money.
If you don't choose one of the options at the fifth anniversary of the guaranteed fund you are invested in, we'll automatically move your money out of the guaranteed fund into our Deposit Fund at the guarantee date. The Deposit Fund aims to protect your capital, however, returns and fund values are not guaranteed and you should be aware the management charges may be more than the investment return you receive and this may cause fund value to go down.