Why invest in our Capital Investment Bond?
The Wesleyan Capital Investment Bond (CIB) is designed to help you plan for the future. Providing access to a range of asset classes, it allows you to invest a minimum of £7,500 over the medium to long term, with the potential for capital growth and income.
- Can be used in combination with a trust
- An effective way to grow, manage and control your capital
- Invest in a choice of 14 funds, including our flagship With Profits Fund
- Switch between funds, and top up your investment at any time
Please note initial and ongoing charges apply.
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.
How it works
With the Capital Investment Bond, you can invest in up to 12 investment funds from a choice of 14.
While our award-winning team professionally manage the funds, you control your investment. You can move your money into one or more different funds at any time, making up to 12 fund switches in a 12-month period (switching fees may apply).
Investment Team of the Year 2023
After winning Responsible Investor of the Year at the Insurance Asset Risk Awards 2022, 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.Key details
The minimum initial investment into the Capital Investment Bond is £7,500. This can be topped up with further investments of at least £1,000.
If you prefer to make smaller, regular payments, it might be worth looking at our Flexible Savings Plan. You can build your investment with just £100 per month.
It’s worth noting that the CIB 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 more information on trusts, please speak to a Specialist Financial Adviser from Wesleyan Financial Services.
Please note that inheritance tax planning is not regulated by the Financial Conduct Authority (FCA).
When you invest in a CIB, 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.
Apply for a Capital Investment Bond
Alternatively, call us on 0808 239 0218 or request a call back to speak to a member of our team.
Important information
Charges
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, which is a percentage of how much your plan is worth each year. The AMC percentage depends on the fund or funds that you invest in, and can be found in the fund factsheets.
If you are opted in to Wesleyan Financial Services’ Ongoing Advice Service (OAS), the cost of the OAS will be 0.5% of your plan value each year.
We may also charge you for switching your money between different funds, though the first switch each year is free.
Tax summary
Please refer to the Key Features Document for more details of the tax treatment of the Capital Investment Bond.
Eligibility
You can take out a CIB if you are 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 of 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.
Key documents
Please read the following documents before applying: