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HSBC Life – Onshore Investment Bond


Onshore Investment Bond

Type: Open architecture bond

Minimum investment: Lump sum £5,000

Investment choice: Around 2,000 Oeics and unit trusts from over 100 fund managers.

Options: Phased investment, portfolio rebalancing

Charges: Select version – phased investment £25, portfolio rebalancing £25 at each rebalancing date, additional charges for investment funds, flexible version – establishment charge 0.8% a year for first five years, annual 0.25%, phased investment £25, portfolio rebalancing £25 at each rebalancing date, additional charges for investment funds

Allocation rates: Investments up to £50,000 – 100%, 50,000-£100,000 – 100.5%, over £100,000 – 100.1%

Commission – Select version agreed between adviser and client, flexible version initial up to 6.5% or sliding scale of initial and fund-based commission equivalent to 6.5% initial

Tel: 02380 722 197


Future tense

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