Portfolio Bonds

A portfolio bond is a unit linked, whole of life insurance policy, that provides an easy, cost effective and manageable way of bringing together a wide choice of saving strategies into one portfolio structure or ‘wrapper’.

It is designed to provide the flexibility and diversity that savers demand along with potentially significant tax efficiency, giving you the ability to choose differing asset selections managed according to your own criteria and the ability to ‘do your business confidentially’.


Advantages of a portfolio bond are:

  • With the help of Expatriate Financial Advice and our business partners, portfolio bonds are easy to establish and easy to operate with online valuations to keep you fully informed of the progress of your investments.
  • With the expert help of our partners, you will select the underlying assets from some of the world’s leading financial institutions.
  • Buying and selling is made easy for you. Tell us what you want and we will do the rest.
  • You can adjust your holdings simply, as your needs or the markets change.
  • You are allowed to draw an ‘income’ from your assets within the bond on a monthly, quarterly or yearly basis.
  • Easy access to your savings if your personal circumstances change.
  • Add additional investment amounts when you want to.
  • You are allowed to have multiple lives insured within the bond so that your dependents will be provided for in the event of your death.
  • It is possible to borrow against the value of your assets within the bond at advantageous rates.

If you have a ‘lump sum’ of more than 40,000GBP, Euros, USD or many other leading currency equivalents and are looking at totally outperforming bank ‘deposit’ rates, then complete our 'online financial planner' and an experienced advisor from an approved partner will contact you to discuss your options further.

If you would like further information on ‘ portfolio bonds ’ written in ‘plain English’, please register for access to our ‘information library’ where you will find many documents written by industry experts to help you in your decision making.