A poor performer in the market

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Investment bonds can provide useful tax deferral opportunities for higher rate tax payers, and are now offering increasing investment choice as many UK investment bond providers offer some degree of external investment choice

Investment bonds get a bad press. A leading commentator observed recently that ‘they are often regarded as complicated poor performers that allow rapacious advisers to extract huge commissions from naïve savers.' The reality is different and investment bonds continue to offer significant benefits to investors. As always, it is up to advisers to decide whether these benefits suit a particular client's personal circumstances. Criticisms fall into two categories: that the perceived tax advantages over other investments, such as unit trusts, are not all they are made out to be, and secondly ...