Investment Bond

Great returns, with the security you need

Our Guaranteed Anniversary Bonus Bond offers the best of all worlds - exposure to stocks and shares, government and corporate bonds, property, and cash deposits, while smoothing the investment return you receive.

An investment you can afford to make

With just £500 you can start growing your long-term investments today - a great alternative to bank or building society accounts.

A bond for everyone

No age restrictions - making it the perfect investment choice, whether for you, your children or your grandkids. And it’s ethical too - we never knowingly invest directly in the alcohol, tobacco and arms industries or gambling and pornography providers.

Invest up to £250,000 in bonds in one name, and up to £500,000 for joint bonds, via a cheque or by bank transfer.

Life assurance is included when you open the bond, meaning that we’ll pay out 101% of the original investment (less any withdrawals) or the current value (whichever is greater) if you die.

Earn regular bonuses from day one on your investment. You might also get a final bonus when you cash in the bond. Bonus rates can change every year.


Protect your capital and growth through our generous capital and bonus guarantees. On the 10th anniversary and every subsequent 5th anniversary your guaranteed to get back your initial investment plus all the bonuses that have been added (less any withdrawals).

Important Points

UK residents of any age can invest in a Healthy Investment Guaranteed Anniversary Bonus Bond.

You might consider this bond if you already have savings in a bank or building society and you are now looking to put some money in to an investment that has some risk but the potential for higher returns.

Invest anything from £500 up to a maximum of £250,000 in your own name or £500,000 in joint names.

You can take 5% (of your investment) withdrawals penalty free each year from your bond and without any immediate tax consequences.

You can make one off or set up regular (monthly, quarterly or annual) withdrawals from your bond.

You should see this bond as a medium to long term investment.

Although the bond grows through bonuses, bonus rates are not guaranteed and in exceptional circumstances could be nil.

If you have to cash in, or make a withdrawal over 5% of the investment, from your bond within the first 5 years, an early surrender penalty will apply. The early surrender penalties reduce each year the bond has been invested, as follows:
Year 1 – 5%
Year 2 – 4%
Year 3 – 3%
Year 4 – 2%
Year 5 – 1%
Year 6 plus – nil

If you cash in, or make a withdrawal, a Market Value Reduction (MVR) may also be applied, which, if not made on one of the guaranteed MVR free dates, could reduce the amount you receive and you might receive back less than you invested. A MVR may be applied if there’s a significant fall in the value of the stocks and shares, or other investments we have invested in.

Inflation will reduce what your investment will buy in the future.

Your personal tax position and the way investment bonds are taxed could change.

If you have any doubt whether this bond is right for you, you should seek financial advice.

If you decide to invest in a Healthy Investment Guaranteed Anniversary Bonus Bond, you will be investing into our Ethical With-profits Fund, which includes a mix of stocks and shares, fixed interest bonds, commercial property and cash deposits. The mix of assets held changes over time.

Our Ethical With-profits Fund does not knowingly invest directly in companies in the alcohol, tobacco and arms industries and gambling and pornography providers.

The Society aims to provide a consistent return by smoothing the investment return to avoid volatile fluctuations in the value of your investment. Smoothing may not protect you against long term or sustained falls in the value of investments.

For further information on our Ethical With-profits Fund please click here.

Reversionary bonus
A reversionary bonus is an annual bonus, which once added to your bond, can never be taken away.

The level of bonus depends on investment performance, our expenses and our solvency margin over the previous year as well as the Board’s expectations of future performance. The level of bonus also reflects the capital and bonus guarantees. The rate of bonus can change every year and could in exceptional circumstances be nil.

All reversionary bonus rates are net of charges. The bonus rate declared is the bonus rate you receive.

Interim bonuses
Unlike declared reversionary bonus rates, which can never be changed, interim bonus rates can be increased or reduced by the Board at any point during the year. The current interim bonus rates are based on a prudent view of future investment performance, solvency and expenses over the year. Interim bonus is paid on policies paid out within the year on both full withdrawal and death.

For our current interim bonus rates please contact our office.

Terminal bonuses
A terminal bonus is an additional final bonus which may also be added on partial and full withdrawals or in the event of the death of the investor. The rate of final bonus can be changed at any time or can be withdrawn altogether.

Life cover
If you die the bond will pay out the higher of 101% of the amount you invested, less any withdrawals of course, or the full value your bond, including any terminal bonus payable at the date of death.

The Healthy Investment Guaranteed Anniversary Bonus Bond comes with important capital and bonus guarantees to ensure that you receive back your initial investment plus all the bonuses that have been added to your bond, less any withdrawals of course, providing you withdraw on one of the key anniversary dates.

The first guarantee anniversary date is on the 10th anniversary of the date you invested in your bond, and every 5th year after that.

MVRs are never applied on death. This means that if you die your estate is guaranteed to receive more than you invested.

The level of bonus depends on investment performance, our expenses and our solvency margin over the previous year as well as the Board’s expectations of future performance.

The Key Information Document includes examples of what you might receive back based on different investment scenarios. It also helps you understand the nature, risks, costs, potential gains and losses of this product and to help you compare it with other products.

Download our latest Key Information Document for our bond.


Important Documents


"I would definitely consider investing again in an Investment Bond with Healthy Investment."
Thomas from Coleraine

"I would definitely consider using Healthy Investment again for an Investment Bond or for other savings and investment policies."
Carol from Newton

If there's anything
you don't understand,
we're here to help.
Call Jerrol on 0161 762 5790

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send us a message
using our contact form.

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Opening a Healthy Investment Guaranteed Anniversary Bonus Bond is really easy.

If you have any questions now or whilst you are applying just give us a ring or send us a message and we will help you.