If you want to invest for your future, our Investment Bond might be right for you. You can invest for yourself, your children or grandchildren and get the return and security you are looking for.
You can invest from just £500 up to a maximum of £250,000. Investments can be made in a single name or in joint names with your spouse, or partner, or your children, or grandchildren. The choice is yours as long as they are UK residents.
The modest minimum investment makes it an affordable investment and offers you the opportunity for regular bonuses every year.
An Ethical Investment
Formed in 1835 Healthy Investment has a long history of being an ethical provider of ethical savings and investment products.
Sustainable and responsible ethical investing is at the heart of all of our investment decisions.
At Healthy Investment our aim is to offer the potential for long term growth for the increasing number of investors seeking to combine investing for a financial return with a positive contribution to the environment.
Our vision is to invest for a better future, deliver good financial returns and make a difference to society and the environment.
Sustainable and Responsible Investing
We avoid investing in companies in certain industries and those whose activities are not in accord with our members’ personal values.
Examples are the tobacco, armaments, alcohol and fur manufacturing industries, gambling and pornography providers and companies that manufacture products or ingredients that have been tested on animals.
We seek to invest in companies that are explicitly involved in activities that benefit society and the environment.
Examples are companies that are tackling climate change, promoting a low carbon economy, promoting diversity and equal opportunities, and improving energy efficiency.
The amount you invest increases through the regular annual bonuses that are added to your investment. You start to earn bonuses from the day that you invest with us and if you withdraw from your bond part way through a year you will get a bonus for the time your money has been invested.
Bonus rates can change every year and in exceptional circumstances there may be no bonus. The rate of bonus depends on the investment performance of our With-profits Fund.
When you withdraw from your bond we might also add a final bonus to increase the amount you receive. These bonuses are not guaranteed and the value of a terminal bonus can change at any time. They are designed to ensure that the amount you receive is fair and fully reflects the final value of your investment.
Guaranteed life cover
Life cover is included as part of your bond. If you die whilst you have money invested in the bond we guarantee to pay out at least what you invested plus any bonuses that have already been added less any withdrawals you have made.
This life cover is important, especially for older investors who want to make sure their legacy is protected from investment market volatility. For bonds held in joint names the guaranteed life cover applies to the last remaining bondholder.
Protecting your assets
The Healthy Investment Bond is an insurance based investment bond which means that, unlike some investments, it can be used as an investment vehicle placed in a trust to help with Inheritance Tax planning. You should consider taking professional financial, tax or legal advice if you are thinking about setting up a Trust.
Invest for as long as you want
When you invest in a Healthy Investment Bond you do not have to decide how long you want the money to remain invested. However it should be viewed as a medium to long term investment as it includes early withdrawal charges in the first 5 years of the investment. It might not be appropriate for investors who do not have some bank or building society savings they can access instantly.
Guaranteeing a fair return
Every year you can withdraw up to 5% of your initial investment without any withdrawal charges and without any immediate tax consequences, something that is really useful if you are looking to take a monthly income from your bond.
On occasion it may be necessary, when you withdraw all or part of your investment, to apply a Market Value Reduction (MVR) which would reduce the amount you receive. We would do this if, after you have made your investment, there has been a significant fall in the value of the stock market or other investments. This is to ensure that the amount you receive is fair and reflects the value of the various investments in our Ethical With-profits Fund.
With-profits that works
The Healthy Investment Bond is a With-profits investment.
Your money is invested in our Ethical With-profits Fund. We invest this in a wide range of different assets including stocks and shares, government and corporate bonds, commercial property and bank deposits. The value of these investments can rise and fall.
We aim to smooth out these rises and falls so that you do not experience the day to day ups and downs of stock and bond markets and so provide you with a consistent investment return. You should however be aware that this smoothing will not protect you against long term substantial falls in the value of your investments, which means that you might not in these circumstances be able to get all of your investment back.
Ask for more information
Healthy Investment does not offer any advice on the suitability of their Investment Bond for your personal circumstances.
We can however answer questions regarding this investment. You can telephone us free on 0161 762 5790 or email us at firstname.lastname@example.org
Apply online or request a postal application pack here
Whilst Healthy Investment can’t give financial advice on the suitability of any savings or investment product for personal circumstances and attitude to risk, our dedicated membership team can answer your questions. You can telephone free on 0161 762 5790 or email us at email@example.com
If in any doubt about the suitability of any product you should contact your financial adviser.